OREANDA-NEWS   The Russian financial market will react differently to the launch of the digital ruble - after its introduction, banks can lose 50 billion rubles a year, and retailers, on the contrary, will be able to save at least 80 billion rubles a year. Such an assessment of RBC was provided by analysts of the consulting company "Yakov and Partners" (formerly McKinsey in Russia).

The crypto ruble is another form of money along with cash and non-cash rubles. A new form of payment may appear in Russia this year. Experts warn that the launch of the digital ruble may negatively affect not only banks, but also consumers — they risk being left without cashback accrued for purchases, since it is paid from funds that banks receive as income from card payments.

Analysts note that at the moment, the crypto ruble is unlikely to take the bulk of the volume of retail payments. "It has no obvious advantages in terms of convenience of everyday use, and it is not as profitable for end users as other means of payment, since it does not involve accrual of interest on the balance and, most likely, cashback," the company explains. Other experts agree with this point of view. For example, Stanislav Volkov, managing director of the NKR rating agency, believes that, most likely, the digital ruble will be used mostly in settlements between legal entities, including those working with budget organizations and state-owned companies, or in servicing foreign trade operations.