In Perfect Money system there are many independent players, such as money exchange points. They are necessary to enter and withdraw funds from the system. For most users it is convenient, therefore, Perfect Money regularly gets such partners. On the other hand, if one receives a salary in the PM, then it is reasonably for him/her to find someone who prefers to make purchases in Internet shops, and change e-money into dollars or rubles at their own rate. And as exchange points are not everywhere, it is likely that for those who want electronic money, cheaper to buy it on the spot.

Withdrawal of money from the system (transfer of electronic funds into dollars or rubles) is also very complicated and time consuming. Official services suggest putting an application with contact information and the terms of exchange. The counter party pays the same insurance premium payment and during for two days carries out a money transfer to the payee’s account in determined currency. After confirming the success of the transfer via the Website exchanger to an electronic purse of a payee necessary amount automatically added (with commissions of cause). Otherwise, there are proceedings with the administrator, who acts as an “independent” arbiter. May be it is easier to use a credit card? Insert in the nearest cash dispense and get money. And here one needs to make an application, go to the bank…

There is also a difficulty with the conversion of one type of currency into another. Direct transactions between purses of different types are impossible. However, there are situations where there is a dollar purse, but a payee accepts payments only in gold. In this case one has to look for democratic exchange point or wait for a long time while someone shows an interest to the product. But there is no main advantage of electronic money here – the simplicity and transparency of use.

Today the state of the market of payment systems can be characterized as «at the beginning of rapid development». Electronic payments are a natural stage in the development of telecommunications. Demand is high in those spheres where there is a high-graded product – digital goods, whose properties are well “imposed” on the properties of online payment: payment instantaneousness, instant delivery, simplicity and irrevocability. As with use of e-mail one need not to go to the post office to send letters as electronic payments save time and efforts. Also electronic payments demanded for payment of small sums, because credit cards have a rather high value of transactions.

Obviously, the speed of Perfect Money’s distribution does not depend only on the development of payment systems, but also from increased public access to the Internet. Now not all people in the world have such opportunity to use Internet resources, and even those who have it use the network at least once a week and some people – every day. The growth of the Internet audience is four to five million users a year. Users increasingly turn to the Internet and what is more important such communication via Internet becomes even easier than the phone call. Naturally, this fact stimulates the growth of payment systems. But a growing market of electronic payments would be constrained by security development, because e-payment system hacking is not a myth, but a harsh reality. It is unreal to protect oneself completely, even if one is an expert on security. There is always a risk of contracting the virus through the hole in the operating system or browser. If backup safe from a loss of operational data to a hard drive, physical disconnection from the Internet network helps from the disclosure of confidential data, but there is nothing what can help to safe electronic money from a thief.

Summing up the above, we can add that the number of intermediaries of the Perfect Money is increasing, except already existing companies. This expands abilities of ordinary users and increases competition. Accordingly, the more partners Perfect Money will have, the less percents will be charged to its customers.