Effectiveness of the urban services electronic payment systems on the example of silesian card of public services

Electronic payment systems used for urban services are implemented and funded by the public sector. Those are rather big investments, characterized by high costs, but they also allow for gaining profits – mainly connected with the transport offer optimization and with more effective price management. When preparing the documents, among other papers concerning functionality or technical and technological solutions, it is necessary to prepare a feasibility study, in which the assessment of the effectiveness of such investments is an important part. To do so, one ought to identify and assess the costs and the profits connected with the realization of such projects. Such assessment ought to be performed within the frame of financial analyses (from the perspective of the unit implementing and using the solutions) and of economic analyses within which the external costs and profits should also be considered.