Measuring Financial Literacyin all regions of Russia

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Head of Research Projects. HR Research Direction

«Самым большим интересом пользуются инновации, отражающие популярные веяния повседневной жизни – использование цифровых технологий, увлечение ЗОЖ и заботой об экологии. Так, «умный» дом позволяет вносить свой вклад в заботу об окружающей среде. Персональный консультант способен облегчить жизнь, в которой в разы увеличился информационный поток, и стало сложно найти нужную информацию не потому что ее нет, а потому что информации слишком много. Браслет, измеряющий состояние здоровья, и тесты на выявление предрасположенности к генетическим заболеваниям – атрибуты вдумчивого отношения к собственному здоровью и здоровью будущих детей, а также повсеместному увлечению здоровым образом жизни».


Head of Research Projects. HR Research Direction
High interest in obtaining remote medical services and in using bracelets that measure health status and transmit data to a doctor is the result of digitalization and passion for healthy lifestyle, especially among young people.
Deputy CEO
 The research results, as well as similar data from the FCS, demonstrate the weak participation of Russian small and medium-sized business in the system of international trade relations. At first sight, the economic sanctions imposed on Russia and the related restrictions on imports of Russian products seem to be the main reason for such situation. 
Head of Financial Research Projects
A specific feature of the insurance market is the low dynamics of the digitalization level: for example, the share of Russians who obtained an online insurance policy did not change from 2016 to 2019. The dynamics of digitalization of consumer behavior on the banking market is more obvious. For example, the proportion of Russians who prefer a non-cash payment method tripled - from 16% to 46% - over a similar period (2015-2019).
Head of HR and Energy Industry Research
Searching for work through acquaintances remains popular among Russians. Despite the fact that this method has significant advantages: easier to adapt to the future team, opportunity to get first-hand information about working conditions, salary and corporate management culture, there are some disadvantages: people could miss chance to find a better job if he or she widen the circle of job search.
Head of Financial Research Projects
Some barriers to the use of cashless payment remain today. They include uneven development of infrastructure: territorial and the other one associated with the type of seller of goods and services (for example, market traders, self-employed, working for cash, etc.), (b) low digital literacy of some segments of consumers, including those who can afford to pay (for example, retirees), on the one hand, conservative and accustomed to cash, and on the other, those who do not understand how non-cash payment works, who do not know how to protect against digital fraud and who are afraid of losing money using fintech solutions. 

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