Translation. Region: Russian Federation –
Source: Central Bank of Russia
An important disclaimer is at the bottom of this article.
By the end of 2025, the regulator will, for the first time, calculate the level of satisfaction with payment services and the digitalization index of the national payment system. Both indicators will be determined annually and will help assess the current state of the payments market, the impact of innovations, communicate user opinions to market participants, address shortcomings, and adjust regulations if necessary.
Digitalization Index The index is calculated based on five subindices, including 15 diverse indicators related to the competitive environment, security, import substitution, accessibility and speed of payments, the range of payment services, alternative payment methods, transaction activity, conditions for startup development, and more. It will be calculated using information the Bank of Russia already receives from credit institutions, as well as survey results. The digitalization index, calculated based on the results of 2025, will serve as the baseline for assessing trends in subsequent periods.
Payment service user satisfaction level Surveys of citizens and businesses will help determine this. Their responses will reveal how easy and convenient it is to make payments to partners and everyday payments—at a cafe or on a marketplace, for housing and utilities, for tuition, and so on. Based on this assessment, the Bank of Russia will, if necessary, provide recommendations to payment market participants and adjust regulations.
Both indicators will be published for the first time in summer 2026.
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