Consumer associations: cash is undeservedly deprecated as obsolete


According to them, this is due to the fact that public finance discourses are shaped by well-paid banking analysts and public information dissemination centers run by the banks themselves. Banks promote what is based on a one-sided report on the seemingly rapid end of the "dead end of life" is referred to as "beech" by consumers and suggests that it bases the facts.

The popular stereotype of banks about the lack of signs of our society, changing the network with new forms of settlement, is also not criticized, simply by comparing Lithuania with other EU countries, says the statement of the Alliance of Lithuanian Consumer Organizations.

"The data show that Lithuanians use bank cards on average to the same extent as residents of other European countries, for example even more than Germans or Italians, and a bit less than Irish or Spanish. The amount of our payment card is 13.3%. approaching the average for the euro area of ​​14.8% GDP We are not the backbone because we are trying to "cling" to our heads. Banks seem to limit people access to cash – mass closing of banking departments, not providing cash services, increase in rates for cash services – lead to very selfish incentives to take advantage of people's mediation in paying for goods or services "- quoted the report of the Association of Lithuanian Banks Customers (LBKA) General Director Rūtenis Paukštė.

Representatives of consumer organizations pay attention to the benefits of non-cash settlements. However, in their opinion, measures based on the principle of honey are not necessary for the consumer to be promoted.

"The use of electronic money should be encouraged by showing their advantages rather than by blocking access to cash." The network must remain in the consumer's portfolio if the same choice of users is available. talk about your ability to protect yourself from cybercrime. "Nevertheless, the use of electronic money is an advanced and promotional form of payment, but it is only one form, not the only form" – emphasizes the head of LBKA.

R. Paukštė is convinced that electronic payments in trading systems will become more extensive, while the network will remain a reserve rather than a basic payment option if both the buyer and the entrepreneur are interested in not using the network, that is, if they both benefit from such a settlement.

"Look at the grain, as at the end of the change in the era of electronic communication, the cashier is still filling up the cash register, which is stored as the holiest relic in accounting safes." Such old-fashioned practices from the past may already enter a lack of space and give way to modern systems "- says R Paukšti as the executive director of the association "For the banking market" Kęstutis Kupšys.

In his opinion, it would be quite easy to introduce another one-time fixed for discounts on both sides of the transaction – buyer and seller, when the end-user transaction is in new electronic and cross-checking electronic payment systems, implementation of which in Lithuanian business enterprises is supported by the State Tax Inspection, passes through the cashier

"Suppose a buyer would save 1 percentage point of VAT if he was not paid in cash and the buyer receives a personal income tax rebate on the side of the paid card," explains Kupsys sales representative. – Regarding the possibility of tax deduction for housework, why not set a higher goal – to reduce the network, as well as the size of the shadow economy, through tax incentives to use electronic money? The saved VAT percentage point is already a big incentive for the investor to invest in maintaining the payment terminal. "

By creating such incentives, the state risks not initially charging a small part of the tax, but is compensated by a significant increase in income later, when consumers are aware of the benefits of electronic settlements. By reducing cash settlements, the gray zone decreases with the tracking and tracking of more transactions.

"However, this should not be aimed at prohibitions, for example by limiting the use of net use, by imposing a" cash ceiling "on transactions and similar measures. Promotional measures that give the user tangible benefits of non-profit use are better. really does not work propaganda repeatedly repeated by the bankers, the Lithuanians cling to the head that the network is gone and we have to go to the Swedish path (while silencing that Sweden is probably the only country in the world considering a radical possibility of total net refusal.) People feel faked they know about banks, they still appreciate net benefits, and they even deliberately remain connected to the network in order to keep banks as small as possible "- notes the head of the association" For honest banking ".

According to K.Kupšys, gathering information about taxpayers and decision-makers at the highest level could bring benefits from South Korean expert opinions. Two years ago, the introduction of tax incentives for electronic money reporting proved to be effective in this country. Similar tests, including VAT deductions, are available in Brazil, Colombia and Argentina. "Perhaps these Latin American countries will go too far to look at other cultural environments and people's mentality, but South Korea is a very real example," says my consumer advocate.

According to Kupšisa, Korea plunged from other countries a decade ago: already in 2007, the value of settlement cards in this country accounted for around one-third of the gross domestic product. According to the latest data from 2016, this indicator is already 47%. GDP (compared to 8% in Germany, 19% in Belgium, 32% in the United States and only around 23% in Sweden). The effect of Korea is estimated at around 1 billion. (net) income received in addition to the budget.

According to the report of the Lithuanian Consumer Alliance, Bulgaria allows the deduction of 1% of income tax purchases, if it is paid electronically, but limits this incentive, placing an annual ceiling of 500 levs (around 255 euros). There are other restrictions in this Member State: the state has established that if the citizen wishes to receive the benefit, his / her annual electronic money amount must be at least 80%. income from work.

The Alliance of consumer organizations in Lithuania is an association of 10 non-governmental consumer organizations operating since 2012. Alliance is the only consumer umbrella organization representing Lithuania, a member of the European Consumer Organization BEUC.


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