Dissertation is devoted to the generalization of scientifically based theoretical provisions and the development of practical recommendations regarding the formation and management of a business portfolio of EPS in the e-commerce market.
The author's structuring of the evolution of e-commerce as a socio-economic phenomenon is proposed, which, unlike the existing ones, is formed on the basis of the criterion of "key events and innovations" that contributed to the emergence and growth
of e-commerce. The main result of the application of the proposed conceptual approach was the identification and comprehensive characterization of the stages of the origin, formation and development of e-commerce from the original state of local episodic
online trade operations to the global socio-economic phenomenon – the driver of the development of the digital society and digitalization of financial services.
The analysis of the evolution of EPS as a factor in the formation and development of the e-commerce market, which, in turn, ensures an increase in the efficiency of economic activity and the convenience of all commercial operations, is carried out. The e-commerce market reflects society's constant desire for improvement and convenience in economic activity. Therefore, millions of individuals and legal entities pay special attention to conducting e-business and working in the electronic payment system, expanding the use of Internet banking and Internet marketing as more profitable than traditional trade. It has been established that financial institutions as
providers of payment instruments will continue to play an important role in the further spread of payments through EPS (Visa, MasterCard, UnionPay, NPS "PROSTIR", etc.). In the future, the main trends that show the dominant role of EPS in the development of the e-commerce market will be updated, namely: the increase in the number of electronic payments and e-commerce; increase in the
percentage of coverage of the population of EPS that cooperate with commercial banks; investing in innovative development that contributes to both qualitative and quantitative improvements in the e-commerce market; further investment in the development of digital capabilities, which include site-based payments using various mobile devices and applications, instant fund transfers, contactless payments, biometric payments, shopping in stores without salespeople and payments with Internet-connected (IoT) devices, etc.
