Opinion: The National payment card system has no prospects
Created by the Central Bank of the National Payment Card System (NBTS) has no market prospects, and dedicated her money will be used efficiently. Such inference, writes "News"It follows from the request of State Duma deputy, chairman of the board of trustees of the Institute of Innovative Development Ili Ponomareva head of the Bank of Russia Elvira Nabiullina.
"Creation of the National Payment System (NPS) has been provided by the existing law, the Central Bank developed and entered into force a few years ago - he points out in the letter. - His system developed Sberbank, as well as a consortium on the basis of mainly state-owned company "Rostelecom". A lot of discussion on this subject was held with the participation of the Russian State Duma and the profile of experts from different countries. Now, however, the Central Bank said the need to create a system, which requires the expenditure of substantial sums. This creates a model, the market outlook is very uncertain".
The Central Bank has already allocated to the creation of NBTS 500 million rubles, having decided to create a system from scratch. In this case, the charter of the new company is allowed to increase the authorized capital to 4.5 billion rubles. Previously, the project on creation of the Central Bank of NBTS estimated at 9-10 billion rubles. Director General of OAO created NBTS became head of the United Card Service (UCS) Vladimir Komlev.
"By mezhhostovye connection between the banks as a whole have to protect the payment system from a possible shutdown of cards Visa and MasterCard, and a single of this does not need - said Mr. Ponomarev "Izvestia". - It is unknown whether there had any marketing research and how it will provide international compatibility of the NPC and its support with the already installed base of financial and trade institutions. Is there some kind of responsibility for the inefficient use of taxpayers' money? These are the questions I would like to get an answer from the head of the Central Bank. While it is obvious that there is no market for a new "national" card, nor a sufficient number of points, where it will be served. And it is a prerequisite for effective running NPS".
As he notes in a letter to the Central Bank of the chapter, countries experience before implementing their NAP (JCB - in Japan and UnionPay - China), confirms its view. "Although their example can be named more successful, the cost of these systems for customers is many times higher international, and the prevalence is considerably lower"- he points out. Most of the respondents "the news" bankers shared the concerns of the deputy Ponomaryov.
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