00470naa#a2200169#i#450# EN\INFRA-M\bibl\6753 20240828081657.3 1998-0701 20140625b2014####ek#y0engy0150####ca RUS RU Payment system in Russia: Problems and Prospects Journal article Moscow INFRA-M Academic Publishing LLC. 2014 8 с. Journal article local Smirnov E. E. naukaru.ru