Cashless Payments in the Russian Federation: Problems of Terminology

The article analyzes in detail the terminological apparatus in the field of cashless payments. On the one hand, in the context of the development of the digital economy, the turnover of cashless payments in Russia and around the world is gaining momentum and, therefore, needs high-quality legal regulation. This is confirmed by a number of strategically important documents of Russia, identified in this article. The relevance of the sphere of non-cash payments is confirmed, among other things, by the statistical data provided in the article, obtained by comparing the indicators of demand for non-cash funds compared to cash. On the other hand, the analysis of this sphere shows gaps in the legislation already at the stage of determining its key elements. Legal experts and economists express a diverse position on the issue of understanding and legal definition of cashless payments, which, in the absence of the necessary legal regulation, affects the quality of legal regulation of relations in this area. In this regard, the author carried out a detailed analysis of modern Russian legislation, as well as the legal and economic doctrine, in order to identify key signs of cashless payments and forms of cashless payments. The methodological basis of this study includes the following methods: deduction, system analysis, comparative analysis, description, theoretical and legal forecasting. The scientific novelty of the study lies in the development of recommendations for improving the regulatory legal framework for non-cash payments. The main conclusions of the study were the author's definition of cashless payments and forms of cashless payments, reflecting all the key features, and allowing to structure the understanding of these two terms. These terms may be included in articles 861 and 862 of the Civil Code of the Russian Federation.

forms of cashless payments, terminology, legal regulation, digital economy, signs of cashless payments, legislation, law, economy, economic indicators, financial system

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