A study by MAR Consult, conducted in September 2026 among 1,200 respondents, reveals that only 7% of Russians have practical experience with digital wallets. While 47% of participants are aware of the digital ruble, 84% have not opened a wallet. Awareness is higher among men and individuals with higher household incomes.
Only 30% of respondents view the implementation positively, while 49% remain undecided. Regarding future usage, 25% are likely to use the currency within the next year, while 50% state they will not. Acceptance is highest for QR-code payments and peer-to-peer transfers, but low for receiving salaries.
The primary barriers to adoption include fears of technical failures (41%), habituation to traditional banking (39%), and concerns over state surveillance (37%). Half of the respondents believe the project's main goal is to increase government control over personal spending, rather than improving convenience.
The transition to digital currency could impact the banking sector by causing liquidity outflows, as funds move directly to Bank of Russia wallets. This shift may force commercial banks to restructure business models and reduce interest rates. Businesses may benefit from lower transaction costs and automated settlements.
