The Bank of Russia together with representatives of the banking community is discussing the possibility of payment of salaries through the system fast payments (SBP). Supporters of the project claim that it will allow to increase competition and solve the problem of “wage slavery”. Opponents say that the problem of “wage slavery” was solved long ago, and today, in order to change the established order of payment of wages, no economic or social justification.The Bank of Russia prepared answers to the questions and suggestions of the Association of Russian banks to the new draft regulation “On the payment system of the Bank of Russia” (from them “b”). 9 of the 39 proposals bankers were taken, the rest of the explanation. In particular, the regulator reported that payment of wages is excluded from the draft regulation because it contains the minimum set of services that the Bank is obliged to provide. The Bank of Russia jointly with the National payment card system (NPCs) already develops special tools, and a discussion takes place between the ADB and the Association of “FINTECH” (aft). The latter has prepared a presentation (familiar with it “b”), according to which the largest banks, including VTB, Alfa Bank, OTKRITIE, ROSBANK, Sovcombank, Tinkoff, support the idea of salary payments through SBP, because it will increase competition in the market and will allow to solve the problem of “wage slavery”.According to the Director of corporate sales Department of the Bank “Opening” Dmitry Krishtopa, “salary differs from b2c payments (from entities to individuals. — “Kommersant”), as it has peak dates (middle and end of any month) in which all working citizens of the country will come to data validation”. Therefore, a necessary service, “which will be able to handle a huge number of requests per second and that on certain days,” he said. In addition, as noted by Executive Director of development Bank “Russian standard” Elena Petrova, the companies “will be much easier and simpler to send a single registry funds intended for the payment of salaries, from different banks.” In “Tinkoff” note that some services “will allow banks to implement in the framework of this project and a b2b transfers with SBP — for example, to list the employers of the turnover in the form of Commission of salary payments”. However, in VTB consider that the payment of wages in the framework of the SBP must be an alternative, “while there is no technical description of the scheme and implementation of the functionality on the side of all participants.”According to the presentation of aft, banks offer a variety of plans payroll service URS. Most favour for him in equal shares paid as a Bank employee and the Bank employer — three rubles per transaction. However, the Bank “Tinkoff” believes that for all platit Bank employee, moreover, in addition to payouts, the provisions of the Central Bank (6 RUB), he still will have to pay 0.1% of the transfer amount to the employer and the employer himself. In this case, the employer there is a financial incentive to meet the needs of the employee.As reported by “Kommersant” in one major Bank, “the”wage slavery” was abolished a long time ago, the payment of salaries through URS carries significant risks, both technological and financial, to participants of process”. And the problem, according to experts, is somewhat exaggerated. According to the Director on Bank ratings “Expert RA” Ivan Uklein, many customers have two or three debit cards from different banks: one can be credited to the salary, the other higher the percentage of the remainder, according to a third advantageous conditions cashback. There are always ways to overcome the remnants of “wage slavery” in the most inertial employers — to withdraw money in cash or use a “reverse payment” to another Bank. Moreover, in order to quickly transfer money, including their cards, and SBP was created, and it does not need not only a special service b2c are fairly standard transfer between accounts of individuals.Maxim Bailovo data of the Association “FINTECH”.*Management.**The final calculation.
