Russian citizens slowly but steadily cease to use cash and switch to e-payments instead: in the last 10 years, the number of active bank cards has increased 2.8-fold, and by the end of 2017 their number had reached 157.6 mln, as reported in “Monitoring of the economic state in Russia” by the Gaidar Institute for Economic Policy and RANEPA. The transaction volume has increased 6.8-fold during the same term. Their structure also changed: in 2008, the share of cash withdrawal was 75.5% and that of payments for goods, 24%, whereas in 2012 the ratio changed to 48.2% and 48% respectively. In 2017, payment transactions made up three-fourths of all card transactions. Cash withdrawal is more popular only in seven regions, and in Moscow, there is one cash withdrawal transaction per 20.7 payment transactions.