According to the survey, the average user of the electronic wallet is a young male 25-44 years whose monthly income is between 20-60 thousand. He often uses the electronic purse (weekly or monthly), mainly for paying bills and online shopping. The average amount of payments – 2.5-5 thousand rubles per month.
the Main advantages of e-wallets the Russians no need to carry a wallet (42%) and faster payments in comparison with card or cash (34%). It is available by authentication with the mobile phone and the ability to make purchases with wallet on the websites of major online retailers. Respondents also noted the convenient management (30%) at the expense of easy navigation in your wallet with the necessary financial instruments and the possibility of quick remote release and use of virtual cards having a total balance with a digital wallet (30%).
“Electronic purses has gained tremendous popularity due to its simplicity and availability. They increase the penetration of financial services even in remote regions and serve as a driver for the development of certain markets – in particular, e-Commerce due to its convenience and security. In the future, electronic wallets are more and more technology will be artificial intelligence and cryptography that will allow consumers to better manage expenses and protect your finances” – said Martin Stiller, financial sector analyst, IDC Financial Insights.
Most users of electronic purses trust your provider and feel that their data are safe (86%). When users are not more interested in the additional functionality of the wallets (chat-bots, the classification of transactions), and the expanded list of capabilities the payment of additional services (Concierge service in Annex, access to airport lounge) – this was stated by 39% of respondents.
most Often e-wallets are used to pay for mobile communications and the Internet (74%), online shopping (64%), utilities (41%), purchases at retail stores (40%), as well as for replenishment of a credit card (32%).
