Iqela laseBoston Consulting kutshanje likhuphe i "Global Payment Service Market ngo-2021: Ukukhula okulindelekileyo" ingxelo yophando, ebanga ukuba izinga lokukhula kweentlawulo zekhadi eRashiya kwiminyaka eyi-10 ezayo liya kudlula ihlabathi, kwaye umyinge wokukhula wonyaka womthamo wokuthengiselana kunye nesixa sentlawulo siya kuba yi-12% kunye ne-9%, ngokulandelanayo. UHauser, intloko yeshishini lovavanyo lwetekhnoloji yedijithali yeQela leBoston Consulting eRussia kunye neCIS, ukholelwa ukuba iRussia iya ngaphaya koqoqosho olukhulu lwehlabathi kwezi zalathisi.

Umxholo wophando:

Abangaphakathi kwimarike yokuhlawula yaseRashiya bayavumelana nombono wokuba imarike inamandla amakhulu okukhula. Ngokutsho kwedatha yeVisa, umthamo wokudluliselwa kwekhadi lebhanki yaseRussia ubekwe kwindawo yokuqala kwihlabathi, intlawulo yeselula ethotyiweyo ikwindawo ehamba phambili, kunye nokukhula kwentlawulo engaqhagamshelwana nayo igqithile kumazwe amaninzi. Okwangoku, i-53% yabantu baseRashiya basebenzisa intlawulo yoqhagamshelwano ekuthengeni, i-74% yabathengi banethemba lokuba zonke iivenkile zinokuxhotyiswa ngee-terminals zokuhlawula uqhagamshelwano, kwaye i-30% yabantu baseRashiya baya kulahla ukuthenga apho intlawulo yoqhagamshelwano ingekho. Nangona kunjalo, abangaphakathi kwishishini baphinde bathetha ngezinto ezithile ezinciphisayo. UMikhailova, umlawuli olawulayo weRussian National Payment Association, ukholelwa ukuba imarike isondele kwi-saturation kwaye iya kungena kwixesha leqonga emva koko. Ipesenti ethile yabahlali abafuni ukusebenzisa iindlela zokuhlawula ezingezizo ezemali. Ukholelwa ukuba uphuhliso lweentlawulo ezingeyomali lunxulumene kakhulu neenzame zikarhulumente zokuphuhlisa uqoqosho olusemthethweni.

Ukongeza, imarike yekhadi letyala elingaphuhliswanga linokuthintela ukufezekiswa kwezalathi ezicetywayo kwingxelo yeQela le-Boston Consulting, kwaye ukusetyenziswa kweentlawulo zekhadi lebhanki kuxhomekeke ngokuthe ngqo kwiimeko zoqoqosho zasekhaya. Abangaphakathi kwishishini bachaza ukuba ukukhula kwangoku kweentlawulo ezingezizo ezemali kuphunyezwa ikakhulu ngeenzame zemarike, kwaye uphuhliso olongezelelweyo kunye nenkuthazo yotyalo-mali iyafuneka. Nangona kunjalo, iinzame
zabalawuli kusenokwenzeka ukuba zijolise ekwandiseni ukuthatha inxaxheba kukarhulumente kushishino, olunokuthi luthintele utyalo-mali lwabucala kwaye luthintele uphuhliso lulonke.

Iziphumo eziphambili:
UMarkov, unjingalwazi osebenzisana naye kwiSebe lezeMali kwiYunivesithi yasePlekhanov yezoQoqosho eRashiya, uthe: "Ubhubhani omtsha we-pneumonia ogqugqise ihlabathi ngo-2020 uye watyhala amaqumrhu amaninzi ezorhwebo ukuba atshintshele kwiintlawulo ezingezizo imali, ngakumbi iintlawulo zekhadi lebhanki. Uthe, ngokwengxelo yophando equlunqwe yiBoston Consulting Group, izinga lokukhula kweentlawulo zekhadi letyala laseRashiya kule minyaka ili-10 izayo liya kudlula elo lehlabathi. UMarkov uthe: "Kwelinye icala, xa kujongwa utyalo-mali kwiziseko ezingundoqo zamaziko entlawulo yekhadi letyala laseRussia, uqikelelo lusengqiqweni ngokupheleleyo." Ngakolunye uhlangothi, ukholelwa ukuba kwixesha eliphakathi, ngenxa yokwaziswa okubanzi kunye nobukhulu obukhulu kunye nokusetyenziswa kweenkonzo zokuhlawula, iintlawulo zekhadi letyala laseRashiya ziya kwanda. Umlinganiselo unokuhla kancinci.