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<article article-type="research-article" dtd-version="1.3" xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xml:lang="ru"><front><journal-meta><journal-id journal-id-type="publisher-id">uzria</journal-id><journal-title-group><journal-title xml:lang="ru">Ученые записки Российской академии предпринимательства</journal-title><trans-title-group xml:lang="en"><trans-title>Scientific notes of the Russian academy of entrepreneurship</trans-title></trans-title-group></journal-title-group><issn pub-type="ppub">2073-6258</issn><publisher><publisher-name>JSC “Publishing Agency “Science and Education”</publisher-name></publisher></journal-meta><article-meta><article-id custom-type="elpub" pub-id-type="custom">uzria-570</article-id><article-categories><subj-group subj-group-type="heading"><subject>Research Article</subject></subj-group><subj-group subj-group-type="section-heading" xml:lang="ru"><subject>ОТРАСЛЕВОЙ СЕКТОР КАК ОСНОВА ЭКОНОМИКИ РОССИИ</subject></subj-group><subj-group subj-group-type="section-heading" xml:lang="en"><subject>INDUSTRY SECTOR AS THE BASIS OF THE RUSSIAN ECONOMY</subject></subj-group></article-categories><title-group><article-title>Оценка доступности платежных услуг и способы ее повышения: международный опыт и российская практика</article-title><trans-title-group xml:lang="en"><trans-title>Assessment of availability of payment services and ways increaseing it: international experience and Russian practice</trans-title></trans-title-group></title-group><contrib-group><contrib contrib-type="author" corresp="yes"><name-alternatives><name name-style="eastern" xml:lang="ru"><surname>Криворучко</surname><given-names>С. В.</given-names></name><name name-style="western" xml:lang="en"><surname>Krivoruchko</surname><given-names>S. V.</given-names></name></name-alternatives><email xlink:type="simple">SKrivoruchko@fa.ru</email><xref ref-type="aff" rid="aff-1"/></contrib><contrib contrib-type="author" corresp="yes"><name-alternatives><name name-style="eastern" xml:lang="ru"><surname>Брагина</surname><given-names>Т. С.</given-names></name><name name-style="western" xml:lang="en"><surname>Bragina</surname><given-names>T. S.</given-names></name></name-alternatives><email xlink:type="simple">bragina.tamara.94@mail.ru</email><xref ref-type="aff" rid="aff-1"/></contrib></contrib-group><aff xml:lang="ru" id="aff-1"><institution>Финансовый университет при Правительстве РФ</institution><country>Russian Federation</country></aff><pub-date pub-type="collection"><year>2017</year></pub-date><pub-date pub-type="epub"><day>13</day><month>08</month><year>2021</year></pub-date><volume>16</volume><issue>4</issue><fpage>175</fpage><lpage>183</lpage><permissions><copyright-statement>Copyright &amp;#x00A9; Криворучко С.В., Брагина Т.С., 2021</copyright-statement><copyright-year>2021</copyright-year><copyright-holder xml:lang="ru">Криворучко С.В., Брагина Т.С.</copyright-holder><copyright-holder xml:lang="en">Krivoruchko S.V., Bragina T.S.</copyright-holder><license xml:lang="ru" license-type="creative-commons-attribution" xlink:href="https://creativecommons.org/licenses/by/4.0/" xlink:type="simple"><license-p>Данная работа распространяется под лицензией Creative Commons Attribution 4.0.</license-p></license><license xml:lang="en" license-type="creative-commons-attribution" xlink:href="https://creativecommons.org/licenses/by/4.0/" xlink:type="simple"><license-p>This work is licensed under a Creative Commons Attribution 4.0 License.</license-p></license></permissions><self-uri xlink:href="https://www.scinotes.ru/jour/article/view/570">https://www.scinotes.ru/jour/article/view/570</self-uri><abstract><p>Авторы поднимают проблему повышения доступности финансовых услуг, как одну из задач решаемых сегодня как в мире, так и в России. Оценка проводится на примере доступности платежных услуг, что позволяет предложить меры по их дальнейшему развитию.</p></abstract><trans-abstract xml:lang="en"><p>Authors lift a problem of increasing of availability of financial services as one of tasks solvable today as in the world, so in Russia. Assessment is carried out on the example of availability of payment services that allows to propose measures for their further development.</p></trans-abstract><kwd-group xml:lang="ru"><kwd>финансовая доступность</kwd><kwd>платежная услуга</kwd><kwd>электронные платежи</kwd><kwd>транзакционные счета</kwd></kwd-group><kwd-group xml:lang="en"><kwd>financial availability</kwd><kwd>payment service</kwd><kwd>electronic payments</kwd><kwd>transaction accounts</kwd></kwd-group></article-meta></front><back><ref-list><title>References</title><ref id="cit1"><label>1</label><citation-alternatives><mixed-citation xml:lang="ru">Всемирный банк [Электронный ресурс] - Режим доступа: http://databank. worldbank.org/.pdf (дата обращения: 21.10.2017).</mixed-citation><mixed-citation xml:lang="en">Всемирный банк [Электронный ресурс] - Режим доступа: http://databank. worldbank.org/.pdf (дата обращения: 21.10.2017).</mixed-citation></citation-alternatives></ref><ref id="cit2"><label>2</label><citation-alternatives><mixed-citation xml:lang="ru">Обзор состояния финансовой доступности в российской федерации [Электронный ресурс] - Режим доступа: http://cbr.ru/finmarkets/files20161110.pdf (дата обращения: 12.11.2017).</mixed-citation><mixed-citation xml:lang="en">Обзор состояния финансовой доступности в российской федерации [Электронный ресурс] - Режим доступа: http://cbr.ru/finmarkets/files20161110.pdf (дата обращения: 12.11.2017).</mixed-citation></citation-alternatives></ref><ref id="cit3"><label>3</label><citation-alternatives><mixed-citation xml:lang="ru">Global payments 2020: Transformation and convergence // Банк BNY Mellon. - 2016.</mixed-citation><mixed-citation xml:lang="en">Global payments 2020: Transformation and convergence // Банк BNY Mellon. - 2016.</mixed-citation></citation-alternatives></ref><ref id="cit4"><label>4</label><citation-alternatives><mixed-citation xml:lang="ru">Digital Financial Inclusion: Emerging Policy Approaches // GPFI. - 2017.</mixed-citation><mixed-citation xml:lang="en">Digital Financial Inclusion: Emerging Policy Approaches // GPFI. - 2017.</mixed-citation></citation-alternatives></ref><ref id="cit5"><label>5</label><citation-alternatives><mixed-citation xml:lang="ru">Building inclusive digital payments ecosystems: Guidance Note for Governments// GPFI for the German G20 Presidency. - May 2017</mixed-citation><mixed-citation xml:lang="en">Building inclusive digital payments ecosystems: Guidance Note for Governments// GPFI for the German G20 Presidency. - May 2017</mixed-citation></citation-alternatives></ref></ref-list><fn-group><fn fn-type="conflict"><p>The authors declare that there are no conflicts of interest present.</p></fn></fn-group></back></article>
