Retail outlets, and we expect that they can start encouraging customers to pay in digital rubles, as is currently happening with the SBP. I think that in the near future we will be able to see the development stability and low latency of loyalty programs specifically from companies in addition to bank loyalty programs. This will increase competition and push banks to offer more interesting loyalty programs for their customers. In this competition, the consumer will win in any case, who, I repeat, will be able to use the entire set of cashless payment tools.
Addition, in the future we plan to develop
a technology that will allow paying with the digital ruble where there is no Internet. Isn’t that an incentive?
— How will this work?
 You will have a special offline wallet
You will be able to top it up in advance and keep a certain amount on it. Our country is large, and the Internet coverage is not yet good everywhere. If you went, for example, on a tourist trip to the mountains and want to buy a souvenir, but there is no connection, then you will be able to pay.
— If the digital wallet is in the bank’s mobile app, how will it run targeted sms marketing campaigns for different customer segments work offline? After all, the app cannot be opened where there is no Internet…
— We have to develop the offline technology itself. There are no america email ready-made solutions in the world yet. But we believe that we will be able to solve this problem in the near future.
