Question

Почему россияне сегодня еще мало пользуются услугами банков и втом числе возможностью безналичных расчетов за покупаемые товары?

Answer 1

1. По вкладам низкие процентные ставки при высокой инфляции, выгоднее хранить деньги дома.

2. По кредитам высокие процентные ставки, не каждый может осилить платежи по кредиту.

3. По услугам банковских карт стоимость годового обслуживания высокая, населению (особенно пенсионерам) легче рассчитаться наличными 

Answer 2

Варианты:
1) большое количество населения не умеют пользоваться современными информационными  технологиями и не доверяют им. Здесь же можно отметить ,что в структуре населения - много пожилых,которые не доверяют банковской системе
2) достаточно часто появляется инфа о мошенниках с банковскими картами
3) единицы банков могут предложить доступный и понятный сервис по  он-лайн сервису

Answer 3

Reasons for Low Usage of Banking Services and Non-Cash Payments in Russia

There are several reasons why Russians still have relatively low usage of banking services, including non-cash payments for purchased goods. These reasons include:

1. Lack of Trust in Banks: One of the main reasons for the low usage of banking services in Russia is the lack of trust in banks. This lack of trust can be attributed to several factors, including past financial crises, bank failures, and corruption scandals.

2. Preference for Cash Transactions: Another reason is the cultural preference for cash transactions. Cash has traditionally been the dominant form of payment in Russia, and many people still prefer to use cash for their daily transactions. This preference for cash can be attributed to a variety of factors, including a lack of awareness about the benefits of non-cash payments, concerns about privacy and security, and a general preference for tangible forms of money.

3. Limited Access to Banking Services: Access to banking services can also be a barrier to their usage. In some regions of Russia, especially rural areas, there is limited access to banking infrastructure, such as ATMs and bank branches. This lack of access can make it difficult for people to open bank accounts and use banking services.

4. Low Financial Literacy: Another factor contributing to the low usage of banking services is the low level of financial literacy among the population. Many Russians lack the necessary knowledge and skills to effectively use banking services and understand the benefits of non-cash payments. This lack of financial literacy can be attributed to a variety of factors, including a lack of education and awareness about financial matters.

5. Technological Barriers: Technological barriers can also hinder the adoption of non-cash payments in Russia. While the use of smartphones and internet banking is growing, there are still segments of the population that do not have access to these technologies or are not comfortable using them. This can limit the usage of non-cash payment methods, such as mobile payments and online banking.

6. Government Initiatives: The Russian government has been taking steps to promote the usage of banking services and non-cash payments. For example, the Central Bank of Russia has implemented measures to improve the security and efficiency of payment systems, such as the introduction of QR codes for payments. Additionally, the government has set targets to increase the share of non-cash payments in the country by 2030.

In conclusion, the low usage of banking services and non-cash payments in Russia can be attributed to factors such as a lack of trust in banks, a preference for cash transactions, limited access to banking services, low financial literacy, technological barriers, and ongoing government initiatives to promote the usage of non-cash payments