Consumer associations: money is undeserved 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-holding centers maintained by the banks themselves. Banks, which is based on a one-sided report on a seemingly rapid end to life's "deadlock," is referred to as "buka" by consumers and suggests that it resists the facts.

The popular stereotype of the banks about the lack of signs of our society, changing the network with new forms of liquidation, also does not support criticism, simply comparing Lithuania with other EU countries, says the statement of the Alliance of Consumer Organizations of Lithuania.

"Figures 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 slightly less than Irish or Spanish. GDP is therefore close to the euro area average of 14.8% GDP So we are not the backbone as we are trying to "cling" to our heads. banks restrict people's access to money – the massive closure of banking departments, do not offer cash services, increase rates for cash services – lead to very selfish incentives to profit from mediation of people to pay for goods or services " , says the report of the Banking Clients Association of Lithuania. (LBKA) Director General Rūtenis Paukštė.

Representatives of consumer organizations point to their own beliefs about the benefits of non-monetary agreements. However, in its view, measures based on the principle of honey are not necessary to promote the consumer.

"The use of electronic money should be encouraged by showing its merits rather than blocking access to money." The network should remain in the consumer's wallet if the same choice of users. few opportunities to use electronic money to talk about their ability to protect themselves from cybercrime.However, using electronic money is an advanced and promotional form of payment.However, it is only one way, not the only way to " , – emphasizes the head of the LBKA.

Mr Paukštė is convinced that electronic payments in trading venues will become more extensive, while the network will remain a back-up, rather than a basic payment option, if both the buyer and the trader are interested not to use the network, that is, if both feel the benefits of such an agreement.

"Look at the grain, as at the end of the shift in the age of electronic communications, the cashier is still filling a cash register magazine, which is then held as the holiest of relics in the accounting coffers. drag on a lack of place and give way to modern systems, "- R. Paukšti is quoted as executive director of the association" For Fair Banking "Kęstutis Kupšys.

In his view, it would be very easy to introduce another single constant for rebates on both sides of the transaction – the buyer and seller when the end-user transaction is in the new electronic payment accounting and cross-transaction system whose implementation in Lithuanian companies is urged by the State Tax Inspectorate, passing through the

"Suppose a trader saves 1 percentage point of VAT payable if it is not paid in cash and the buyer receives a personal income tax rebate on the part of the card paid," explains consumer representative K. Kupšys. – When it comes to tax deductibility for domestic work, why not set a bigger goal – reduce the network, and also the size of the parallel economy, through tax incentives for the use of electronic money? The percentage point saved from the VAT tax is already a great incentive for the merchant to invest in the maintenance of the payment terminal. "

The State, in creating such incentives, initially risks not charging a small share of the tax, but is compensated for by significant increases in revenue later when consumers are aware of the benefits of electronic agreements. By lowering cash settlements, the parallel economy is shrinking as more transactions are tracked and traced.

"However, this should not target bans, for example by restricting the use of the network, imposing a" maximum cash limit "on transactions and similar measures. Promotional measures that give the user tangible benefits of non-profit use are better And really does not run the propaganda repeatedly repeated by the bankers, the Lithuanians are clinging to the head that the net is gone and we have to follow the Swedish path (silencing that Sweden is probably the only country in the world that considers a fairly radical possibility of total net refusal.) People feel the fake knowledge of the banks, they still value the net benefits and even deliberately remain affiliated to the network, so as to keep the banks as little as possible, "- notes the head of the association" For Fair Banking " .

According to K. Kupšys, the collection of taxpayers and policy makers can benefit from the South Korean experience. Two years ago, the introduction of tax incentives for electronic money reporting proved to be effective in this country. Similar tests, including deduction of VAT, are available in Brazil, Colombia, and Argentina. "Perhaps these Latin American countries seem very far away for a different cultural environment and people's mentality, but South Korea is a very real example," says my consumer advocate.

According to Kupšis, Korea plummeted from other countries a decade ago: as early as 2007, the value of clearance cards in that country was about one-third of gross domestic product. And, according to the latest data for 2016, this indicator already reaches 47%. Of GDP (compared to 8% in Germany, 19% in Belgium, 32% in the United States and only about 23% in Sweden). The effect of Korea is estimated at about 1 billion. revenues (net) received in addition to the budget.

According to the report of the Alliance of Lithuanian Consumer Organizations, Bulgaria also allows 1% of purchases to be deducted from the tax due if it is paid electronically, but restricts this incentive by placing an annual ceiling of 500 leva (about 255 euros) . There is another restriction in this EU member state: the state has determined that if a citizen wants to take advantage of a benefit, their annual amount of electronic money must be at least 80%. income from work.

The Alliance of Consumer Organizations of Lithuania is an association of 10 non-governmental consumer organizations operating from 2012. The Alliance is the only consumer organization representing Lithuania, a member of the European Consumer Organization (BEUC).


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