Ordinary citizens pay not only their purchases, but part of other expenses. Fever bonus and other benefits of holders of plastic “premium” emptying the wallets of the majority of Russians faster than inflation.
The growth of prices for all goods will continue and not because of inflation and exchange rate fluctuations, and due to policies of banks and retail. Recently, retailers explained that the stable economic indicators, they are forced to raise the prices of goods, but of course, not their fault.
The fact that banks emit (release) too many premium cards (PK of Platinum and above), and the Commission in the calculations of such cards through the terminals may be significantly higher than for the normal map that leads to the losses of the seller, so the cost of goods is growing, but not only for cardholders premium, and other buyers. Further more.
Retailers demanded banks to reduce the Commission, promising even higher to raise prices, but experts fear that the banks will not want to increase the cost of their VIP customers. For the last reporting period, banks sold five times more cards in the premium class. Financial institutions this service is very profitable, because the owners of these cards generate revenue in carrying out transactions abroad, in Internet and produce many more profitable for the Bank manipulation. And the cost of the card and annual fee is much higher than on cards segment of the “masses”.
That is, the Bank for the losses retailers will not take, but may change the fees for acquiring (service cashless payment by means of electronic equipment), demanding that the retailer pay for the installation and cost of such equipment, which again will lead to higher prices, because they will be laid and the cost of banking services.
Thus, the Russians became hostages of the technologies. Retailers will continue to absorb losses on premium cards at the expense of others, and to stop the growth of the Russians will have to refuse from convenient and safe plastic and back to cash, but it can be expensive. Prices in the retail sector will still rise, because stores will have to hire cashiers, pay the cash collection to the Bank, to pay for additional services on the current account and a bunch of other expenses.
So anyway, while the poor will pay for itself and for the holders of premium cards, because it always has been. By the way, all the bonuses and cash Becky are paid according to the same scheme.