L. A. ANDREEV
Post-graduate student of the ISAA of Lomonosov Moscow State University
Keywords: Iran, finance, payment system, non-cash payments
Computer technologies have a major impact on the performance of private companies and public institutions, contributing to their growth. The impact of such technologies on payment systems is particularly great, since they provide convenience of settlements for all types of transactions, as well as a multiple increase in the speed of payments for the needs of all sectors of the economy. Significant progress in this area is characterized by modern payment systems of the Islamic Republic of Iran.
Information and computer technologies (ICTs) are developing very intensively in this country. Modern information transfer mechanisms are being actively implemented in various spheres of life. According to the World Bank, from 2009 to 2012, the share of Internet users in the Islamic Republic of Iran (IRI) more than doubled , from 11% to 26%.1 At the current rate of growth, about half of the country's population will join the Internet audience by 2020, which will lead to significant changes in the socio-economic sphere. Today, it can be argued that the fifth information revolution has reached Iran*. Naturally, this process also affects such an important branch of the economy as finance.
The use of computer systems by Iranian banks began in the 1970s, when the first ATMs were installed in the country. However, due to the US embargo imposed after the 1979 Islamic Revolution and the Iran-Iraq war that began in 1980, the ATM network did not develop for a long time.2
Worldwide, the most extensive and significant actions on the introduction of ICTs in the banking sector date back to the late 1980s and 1990s. 3 At that time, the creation of electronic systems was aimed at solving security problems and exchanging information about checking operations, which had to be taken into account in a timely manner, as well as to preven ... Read more