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For the Bank of Russia, it is more important

More convenient for citizens. We see that in some list to data countries p2p and p2b transfers (from an individual to a legal entity. – Vedomosti) take up a larger share of non-cash payments than cards. I think that p2p will win over card transactions in 5-7 years.

“We are developing programs to promote the Mir card”

— At Rosbank, you were also responsible for retail business. How would you sell a Mir payment system card to those who are not required by law to receive their salary on it?

A  card with lower rates than for cards

of international payment systems. And banks should sell service packages for Mir cards at lower prices. Not all do this. And we interact with banks on this issue. The second advantage international practice: lessons we can learn of the Mir card is the loyalty program, which allows you to receive a refund from the transaction amount in monetary terms, and not in points, which is important for the client.

— You mentioned that the Mir card is cheaper. For america email whom? Retail chains have not seen a reduction in their rates for accepting cards. For holders, the rates for the Mir card are identical to the rates for international system cards.

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