Russians don't consider electronic money to be real
The Public Opinion Foundation (FOM) published the results of a nationwide study called “Financial behavior on the Internet: practices, problems, expectations” , which was compiled based on a survey of 6,000 respondents in 200 locations in Russia. The task of the study is to find out what the project participants think about Internet money and online purchases, as well as to present thematically structured reflections and arguments of the project participants (in a special discussion group ).
The survey showed that people's trust in virtual money is still low: only 28% of users consider electronic payments reliable and secure, while 45% hold the opposite position.
The survey also showed that the Yandex.Money system is much more popular than Webmoney. In addition, further research has found that users find e-money not quite real, and therefore spend it with greater ease.
The share of users who bought any goods or services via the Internet is only 15%. Among them, the most popular types of payment are payments for using a mobile phone (32%) and the Internet (29%), for goods and for downloading music, video, books (30%). One fifth was paid for by various Internet services (21%), and another 18% were paid for software and computer games. From 12% to 15% paid for getting books, information and participation in online games, 10% each bought tickets for a train or a plane, to a theater or to concerts. Other types of online payments were made by less than 10% of respondents who shop online.
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When paying for goods, services and other payments, the majority of respondents used bank cards (25%) and Yandex.Money (22%). Only 16% used the WebMoney system, 8% each - Dengi@Mail.ru and "Mobile Wallet". Other online payment methods were used much less frequently.
At the end of the online discussion, the researchers identified several major advantages and disadvantages of electronic money. The advantages of the respondents attributed the anonymity of the payment, efficiency, the ability to quickly settle with the client or employee "without regard to geographical location." Among the shortcomings are high commission, legal insecurity, a limited list of goods and services available for Internet money, the inability to use Internet money when making purchases in real life.
According to the participants of the discussion, electronic money is perceived differently than real banknotes: "As soon as money flows from a pocket into an electronic wallet, they cease to be money." This perception, according to respondents, gives rise to at least two consequences. First, they prefer to pay with “virtual” money for services (Internet and mobile communication), rather than for real goods. Secondly, virtual money is easier to spend.
The survey showed that people's trust in virtual money is still low: only 28% of users consider electronic payments reliable and secure, while 45% hold the opposite position.
The survey also showed that the Yandex.Money system is much more popular than Webmoney. In addition, further research has found that users find e-money not quite real, and therefore spend it with greater ease.
The share of users who bought any goods or services via the Internet is only 15%. Among them, the most popular types of payment are payments for using a mobile phone (32%) and the Internet (29%), for goods and for downloading music, video, books (30%). One fifth was paid for by various Internet services (21%), and another 18% were paid for software and computer games. From 12% to 15% paid for getting books, information and participation in online games, 10% each bought tickets for a train or a plane, to a theater or to concerts. Other types of online payments were made by less than 10% of respondents who shop online.
')
When paying for goods, services and other payments, the majority of respondents used bank cards (25%) and Yandex.Money (22%). Only 16% used the WebMoney system, 8% each - Dengi@Mail.ru and "Mobile Wallet". Other online payment methods were used much less frequently.
At the end of the online discussion, the researchers identified several major advantages and disadvantages of electronic money. The advantages of the respondents attributed the anonymity of the payment, efficiency, the ability to quickly settle with the client or employee "without regard to geographical location." Among the shortcomings are high commission, legal insecurity, a limited list of goods and services available for Internet money, the inability to use Internet money when making purchases in real life.
According to the participants of the discussion, electronic money is perceived differently than real banknotes: "As soon as money flows from a pocket into an electronic wallet, they cease to be money." This perception, according to respondents, gives rise to at least two consequences. First, they prefer to pay with “virtual” money for services (Internet and mobile communication), rather than for real goods. Secondly, virtual money is easier to spend.
Source: https://habr.com/ru/post/15329/
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