Savchenko A. Risks management in payment systems

The dissertation researches the problems of risks management in payment systems, which are based on electronic payments and electronic turnover of money. On the basis of complex research of risks and factors of their occurrence the classification is made and the concept of management of financial and non-financial risks in payment systems with electronic money turnover is grounded. Considering the specificity of development of Ukrainian banking system the economic, technical and technological aspects of organization of payment systems and the conducting of electronic payments are detailed. On the basis of system model of management of the information protection and bank safety the methods of analysis and forecasting of risks are offered; some propositions concerning the methods of account of insurance and reserve funds are made with the purpose of the risk reduction of payments of the participants of mass electronic payments system. The technological and program aspects of the risks management during the conducting of interbank payments are grounded. The validity of the recommendations and offers is substantially proved by their practical use in the activity of the National bank of Ukraine and commercial banks. Key words: information, system of payments, electronic money, risks, bank safety, bank services, payments, transaction, terminal.