And to what extent does the fact that there are no really large companies affect development?

[[email protected]]

There is no hypothetical company with a capitalization of, say, $100 billion.
And these are interconnected things. If we think about what online trade will be like in 20 years, and if we expect that it will take up not 2-3%, but 12-15%, then we need to invest in it. And invest both retailers, the state, and investment structures - banks, for example. If we don’t do this, where will it come from? There won’t be 15%, because there will be no one to process it, and this void will be filled, naturally, by our Western and Eastern competitors who are ready to invest in it. And both at the state level - a typical example is China, and at the level of private companies, which are already stronger and bigger than us. And we will simply be absorbed, we will be small participants in this online trade, selling felt boots.

— How actively are Russians buying now?
Active: 2%. Moreover, it is very visible in the last 2-3 years that list of united arab emirates cell phone numbers retail chains are actively engaged, especially in the electronics and children's clothing segments, which are already transferring part of their turnover online. These are Euroset, M.Video and other stores that have really started paying attention to this. But this requires money and time.

— In order not to go into detail on the big topic of acquiring, I’ll just ask: when will we be able to pay with mobile phones everywhere? At least in big cities.
I don't want to be an astrologer. This is still a question for mobile operators, banks and the cost of acquiring. I would ask another question: when will we start paying with cards in all stores? Because the cost of acquiring is high in Russia today, because the risks of banks and stores are transferred to the user. This is wrong, it hinders the implementation of cashless payments. And phones are only one of the components, unfortunately.