Natalia Rakova

Natalia Rakova

Partner, Head of Financial Services Advisory

KPMG in the CIS

Natalia has over 13 years of experience in advisory services and over 17 years of experience in the financial sector. In 2016-2018 she led a group advising banks on the optimization and digitalization of operating processes in the UK. Natalia has extensive experience in digital business transformation, optimization and digitalization of banking processes, cost reduction, development and implementation of strategies for major Russian and international banks.

In the Media


Comments for Kommersant on the competition of banks for retail clients.

Comments for Izvestia on the effectiveness of the initiative to ban financial operations in digital channels to prevent fraud.

Comments for Izvestia on the outlook for expanding the client base of the national payment system.

Comments for RBC on the statistics of using transfers from card to card as a payment method.

Comments for RBC on the timing and cost of implementing solutions for remote opening of accounts, deposits and issuing loans using the Unified Biometric System.

Comments for RBC on the reasons for the lag of ecosystems in the increase in non-cash payments.

Comments for Vedomosti on the technology for determining the user by their behavior on a smartphone.

Comments for FRANK RG on the projected reduction of ATM networks.

Comments for Kommersant on the digital services' penetration rate in banking.

Comments​ for Kommersant on the costs of creating the bank branches of a new type.

Comments for Vedomosti on the recognition of bitcoin as a legal currency in El Salvador.

Comments for Izvestia on the interest of individual investors in bank deposits.

Comments for Izvestia on the launch of a dispute mechanism in the fast payments system.

Comments for Kommersant on banks' interest in self-employed borrowers.

Comments for Kommersant on staff reductions by banks.

Comments for Kommersant on the number of purchases ​with Apple Pay and Google Pay going up.

Comments for Kommersant on the attitude of the population to the delivery of biometric data.

Comments for Vedomosti on the rise in banks’ expenses as a result of a bill that would force foreign technology companies to set up local offices in Russia or face punitive measures such as restrictions on money transfers and payments from Russian individuals and legal entities.

Comments for Kommersant on banks attracting new clients with the help of agents –​ employees of unrelated enterprises.

Comments for Kommersant on the outlook for automatic card issuing machines.

Comments for RBC Pro on the Central Bank's plans to regulate non-core assets.

Comments for Kommersant on the application of the internal rating approach in the assessment of credit risks.

Comments for RBC on a bank enabling a QR-based payment system.

Comments for RBC on the reduction in the number of cash withdrawal transactions.

Comments for RBC on the proposal to compensate small businesses the commission paid in the Central Bank's fast payment system.

Comments for Kommersant on personnel reduction in major banks.

Comments for Sputnik on the reason for the decrease in the cost of money transfers.

Comments for Kommersant on the possible reduction in the number of banks in Russia.

Comments for Izvestia on connecting Mir cards to Apple Pay.

Comments for RBC on the demand for the money transfer service by phone number in ATMs.

Comments for FRANK RG on possible reduction in the number of banks.

Comments for FRANK RG on the advantages of financial ecosystems created by retailers.

Comment for Kommersant on the prospects for crowdfunding in Russia.

Comments for Vedomosti on the possibility of biometrics collection via an app.

Comments for Kommersant on the decrease in the number of active credit cards.

Comments for RBC on the reduction in the number of ATMs.

Comments for Kommersant on the cost of ATMs' maintenance.

Comments for on the outlook for loan rates.

Comments for Vedomosti on the proposal of the Ministry of Economic Development to the Central Bank to adjust regulations for banks on the valuation of intellectual property.

Comments for Kommersant on the decrease in the volume of cross-border transactions of individuals.

Comments for Izvestia on keeping the key rate at 4.25%.

Comments for RBC on the Central Bank's intention to obligate banks to close online access to accounts at clients' requests.

Comments for RBC TV​ and RBC on money transfers via Faster Payments System.

Comments for VTimes on the interest of companies in developing their own payment services.

Comments for Kommersant on the plans of a major retailer to create a separate organisation to provide various financial products to the retail group's customers.

Comments for Izvestia on the outlook for a shift to digital currency. ​

Comments for Kommersant on investments to promote the Halva instalment card brand.

Comments for RBC on whether it is possible to achieve 90% non-cash payments in Russia.

For an archive of the speaker's earlier comments, interviews, and articles for the media see here

Education and qualifications
  • Plekhanov Russian University of Economics

Areas of expertise
  • Strategy, digital transformation, transformation of business and operating models of banks, banking processes