STATE OF MONETARY AND PAYMENT INFRASTRUCTURE IN UKRAINE

Today, in the developed countries of the world, there is a completion of the transition to a state characterized by the dominance of services in the economy and the introduction of information technology that greatly facilitates people's lives, while these countries are forming a consumer society. The emergence of the global Internet and providing easy access to it, the development and implementation of modern mobile technologies, significantly reducing the cost of Internet use has significantly changed the world economy and people's lives, leading to digital (information) revolution in the world. Under these conditions (development of digital economy) one of the most important factors in the stability of the financial and credit system of Ukraine and its national economy is an effectively functioning payment system. In addition, the modern payment system is one of the most important elements of the monetary and payment infrastructure of the state, which has been developing rapidly in Ukraine recently. Settlements with the help of monetary and payment infrastructure are spreading more and more in Ukraine, while their share in the segment of Ukrainian payments is constantly increasing. The development of monetary and payment infrastructure plays an important role in the formation of new mechanisms for the functioning of the country's payment system, the introduction of new payment instruments and forms of cash and cashless payments, has a significant impact on society, while stabilizing economic growth in various industries and economies. in general. It should also be noted that the country's current monetary and payment infrastructure affects various transformational changes in the country's economy and can eliminate various potential and real threats from the macro and micro environment, which in general forms a secure component of the state payment system. Given the above, in today's world, the development of modern monetary and payment infrastructure in our country is very important. Studies of the state's monetary and payment infrastructure are becoming even more relevant now that Ukraine has suffered military aggression from the Russian Federation. Characteristics of the current state of monetary and payment infrastructure, analysis of its impact on various areas of activity, assessment of its sufficiency for comprehensive demand for both businesses and individuals for these services, as well as its reliability, which can ensure financial security of all users and economic security of the Ukrainian economy.