TY JOUR TI OPTIMIZATION AND DEVELOPMENT OF NON-CASH PAYMENT SYSTEM IN COMMERCIAL BANKS KW non-cash payments KW remote banking system KW transaction KW electronic payments KW a common platform KW electronic invoicing KW cost effectiveness JO Vestnik of Astrakhan State Technical University. Series: Economics AU Sokolova, E.. AU Turgaeva, A.. PY 2017 IS 2017 PB Astrakhan State Technical University