Project Manager at Tochka Bank Daria Shchenikova explained

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Freedom Finance Global broker analyst Vladimir Chernov explains that the increase in the volume of payments via the SBP is directly related to the integration of the payment service in small and medium-sized businesses. "Businesses can pay banks from 1.5% to 3% commissions on purchases using bank cards, commissions for transfers via the SBP have been limited to 0.5%, and when transferring digital rubles, the commission is planned to be 0.3%. Businesses usually honduras whatsapp resource include these commissions in the final cost of products for consumers and will encourage consumers to actively switch to payments in digital rubles, which in the long term can reduce the volume of cash in the Russian Federation," Vladimir Chernov is sure.

that money is credited via the SBP 24/7/365, which helps avoid cash flow gaps. "The widespread use of the SBP can already be called a trend for 2023. The National Payment Card System actively promotes the SBP by launching various promotions for customers. Many banks have also started to accrue cashback when paying via QR codes, since the lack of cashback is one of the main reasons why customers refuse to pay via the SBP. At the same time, it cannot be said that everyone is ready to switch from cards to the SBP, but the share of payments via the SBP will constantly grow," Daria Shchenikova believes.

Artem Klyukin, an expert at the investment company IVA Partners, predicts that the share of non-cash payments will continue to grow, but it will not be possible to completely abandon cash very soon, since some representatives of older generations will not switch to smartphones and will not even use cards.

NSPK, the Bank of Russia, Sberbank, Alfa-Bank, Rosbank and Promsvyazbank did not respond to questions from a ComNews correspondent.