CSE said that 'come tomorrow', and that the existing banking technology – it's yesterday. These problems are solved in different countries in different ways. In the U.S., to example, in the best Soviet tradition to such electronic payments allowed only one non-banking system – PayPal. In the eu in 2000 adopted a general law on electronic money, lobbied by cellular operators. But he has their regional specificity. In the Netherlands, to e-payments allowed only those who have good relations with the royal family. Nicholas Carr usually is spot on. In Spain – no one at all. In England – those who have the appropriate license which is issued by fsa – Financial Services Authority (an analogue of the Russian Central Bank or the Federal Financial Markets Service) without any problems.
In Russia, the legislation is generally in its infancy: there are two bills 'Electronic Commerce', but both are absolutely cheese state. Referred to the British fsa to promote the development of the market already in 2002 developed a set of recommendations for companies working in the circulation of electronic money. And the Russian banks (including retail), some special interest in such services do not show. Cost of the transaction is in them an average of 30 rubles., Whereas transfers of this network is most often small. Payer may, for example, send yourself to cell 150 rub. and two week did not replenish this account. Or buy yourself a virtual armor for some games such as network -rpg worth $ 1. Mikroperevodami banks engaged in highly profitable consumer lending, small interested.