I-Boston Consulting Group isandula ukukhupha ingxelo yophando ethi “Imarike yeNkonzo yeNtlawulo yeHlabathi ngo-2021: Ukukhula okulindelweyo”, ithi izinga lokukhula kweentlawulo zamakhadi eRashiya kwiminyaka eli-10 ezayo liza kudlula elo lehlabathi, kwaye izinga lokukhula eliphakathi lonyaka lomthamo wentengiselwano kunye nesixa sentlawulo liza kuba yi-12% kunye ne-9%, ngokulandelelana. UHauser, intloko yeshishini lovavanyo lwetekhnoloji yedijithali leBoston Consulting Group eRashiya kunye neCIS, ukholelwa ukuba iRashiya iza kudlula ezona qoqosho zinkulu kwihlabathi kwezi zikhombisi.

Umxholo wophando:

Abantu abangaphakathi kwimarike yokuhlawula yaseRashiya bayavumelana nombono wokuba imakethi inamandla amakhulu okukhula. Ngokwedatha yeVisa, umthamo wokudluliselwa kwamakhadi ebhanki yaseRashiya ubekwe kwindawo yokuqala kwihlabathi liphela, intlawulo yeselula ethokheniweyo ikwindawo ephambili, kwaye ukukhula kwentlawulo engenakho ukuchukumisa kudlule okwamazwe amaninzi. Okwangoku, ama-53% amaRashiya asebenzisa intlawulo engenakho ukuchukumisa xa ethenga, ama-74% abathengi banethemba lokuba zonke iivenkile zinokuxhotyiswa ngee-terminals zokuhlawula ezingenakho ukuchukumisa, kwaye ama-30% amaRashiya aya kuyeka ukuthenga apho intlawulo engenakho ukuchukumisa ingafumanekiyo. Nangona kunjalo, abantu abangaphakathi kushishino nabo bathethe ngezinto ezithile ezithintelayo. UMikhailova, umlawuli ophetheyo we-Russian National Payment Association, ukholelwa ukuba imakethi isondele ekugcwaleni kwaye iya kungena kwixesha leqonga emva koko. Ilungu elithile labemi alifuni ukusebenzisa iindlela zokuhlawula ezingenakho ukuchukumisa. Ukholelwa ukuba uphuhliso lweentlawulo ezingenakho ukuchukumisa lunxulumene kakhulu nemizamo karhulumente yokuphuhlisa uqoqosho olusemthethweni.

Ukongeza, imakethi yamakhadi etyala engaphuhliswanga kakuhle inokuthintela ukufezekiswa kwezalathisi ezicetywayo kwingxelo yeBoston Consulting Group, kwaye ukusetyenziswa kweentlawulo zamakhadi edebithi kuxhomekeke ngqo kwiimeko zoqoqosho zasekhaya. Abantu abangaphakathi kushishino babonise ukuba ukukhula kwangoku kweentlawulo ezingezizo zemali kufezekiswa ikakhulu ngemizamo yemarike, kwaye kufuneka izibonelelo zophuhliso olongezelelweyo kunye notyalo-mali. Nangona kunjalo, imizamo
abalawuli kusenokwenzeka ukuba bajolise ekwandiseni ukubandakanyeka kukarhulumente kushishino, nto leyo enokuthintela utyalo-mali lwabucala ngaloo ndlela ithintele uphuhliso ngokubanzi.

Isiphumo esiphambili:
UMarkov, uprofesa oncedisayo kwiSebe leeMarike zezeMali kwiYunivesithi yezoQoqosho yasePlekhanov eRashiya, uthe: “Ubhubhane omtsha we-crown pneumonia ogqugqise ihlabathi ngo-2020 ushukumise amashishini amaninzi ukuba atshintshele kwiintlawulo ezingezizo zemali, ingakumbi iintlawulo zamakhadi ebhanki. IRashiya nayo ithathe inxaxheba ngokukhutheleyo koku. Inkqubela phambili, zombini ubungakanani bentlawulo kunye nesixa sentlawulo zibonise izinga lokukhula eliphezulu.” Uthe, ngokwengxelo yophando ehlanganiswe yiBoston Consulting Group, izinga lokukhula kweentlawulo zamakhadi etyala aseRashiya kwiminyaka eli-10 ezayo liza kudlula elo lehlabathi. UMarkov uthe: “Kwelinye icala, xa sicinga ngotyalo-mali kwiziseko zophuhliso zamaziko entlawulo yamakhadi etyala aseRashiya, uqikelelo lusengqiqweni ngokupheleleyo.” Kwelinye icala, ukholelwa ukuba kwixesha eliphakathi, ngenxa yokuqaliswa ngokubanzi nokusetyenziswa kweenkonzo zentlawulo, iintlawulo zamakhadi etyala aseRashiya ziya kunyuka. Izinga lisenokuhla kancinci.