Bank of russia «Prospective payment system» as aplatform to build the bank's competitive advantages

In the article “Bank of Russia "Prospective payment system" as a platform to build the Bank''s competitive advantages” shows the relationship between the planned innovations of the Bank of Russia to introduce a prospective payment system and preparae commercial Bank to work in an increasingly competitive and promising implementation of open interfaces to Bank accounts of third parties. The article explains the thesis about necessity of development of market-oriented commercial banks business model, which includes both banks and non-Bank payment services. The shortage of resources for the development of information technology (IT) to work on creating the business model required in the early stages to involve the it departments to allow efficient use of scarce resource, the timely adoption of appropriate decisions and to maintain or increase the Bank''s share in the market of payment services.