PROSPECTS FOR THE DEVELOPMENT OF PAYMENT AND PAYMENT SYSTEMS AND ASSESSMENT OF RISKS IN NEW EXTERNAL AND INTERNAL CONDITIONS

The object of the research is the interconnections arising in the process of operation of Russian and foreign payment systems. The goal of the study is to conduct a comprehensive assessment of the risks faced by the settlement and payment systems operating in the context of the global recession, mounting sanctions against Russia, as well as the expected economic recovery and growth and the reorientation of production to new energy sources. Research methodology. In the course of the study, methods of scientific abstraction, economic and statistical analysis, functional and structural analysis, a systematic approach, a comparison method, graphical and tabular visualization techniques for statistical and other data, generalization and formalization were used. The project was carried out as part of the research work carried out by the Laboratory for Structural Research of the Institute of Applied Economic Research of the Russian Presidential Academy of National Economy and Public Administration in 2021. Research results: Description of the mechanisms of influence of organizational and technical factors on the state of the payment system and the implementation of cashless payments by commercial banks, Building a system of dependencies between the introduction of the latest payment systems and the development level of the financial market, as well as the main macroeconomic indicators, Analyzing traditional methods of risk assessment and management, proposing approaches to their improvement, Development of a methodology for backing up system-wide risk