In my view, an important development factor today is the growing synergy with the state in terms of digital services. There is objectively a considerable gap between banking services in Russia and those we see in Western Europe, the USA, etc. The state is now going in this direction, too. The state is providing a large number of digital state services and there are many diverse opportunities. And at the juncture between private business and the state, we can develop many services convenient for the public — Kirill Tsarev, First Deputy Chairman of the Board, Sberbank.
We thoroughly discussed today creating a joint infrastructure, with the Bank of Russia playing the main role, of course, as it has well justified itself. <…> This, it seems to me, would guarantee that each specific bank would undoubtedly supplement its competitive component, create this framework for renewed life and the opportunity to offer the client quality services, but according to a somewhat different paradigm — Petr Fradkov, Chairman, Promsvyazbank.
It is important that we are all geared, in the good sense of the word, to making it convenient, comfortable, reliable and preferably cheaper for the public and businesses. The battle for clients, also in a good sense, is rising to a new level. When, on the one hand, we can truly, as synergy between state services and commercial ones, really supplement one another when it comes to services quality and opportunities. A unified mobile app – it was stated categorially a couple of years ago that this should not even be considered as the unique perception of each participant’s mobile app would disappear. I think we are now reaching a different level of understanding. It is not a question of the mobile app but of the service provided by each participant. Maybe some unified mobile app should also be created — Olga Skorobogatova, First Deputy Governor, The Central Bank of the Russian Federation (Bank of Russia).