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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 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.


Comments for RBC on demand for a universal payment address mechanism aimed at simplifying the procedure for changing banks and boosting competition.

Comments for RBC on the outlook for digital banking cards.

Comments for Kommersant Supplement on creating a digital rouble in Russia.

Comments for Izvestia on the popularity of the Fast Payments System.

Comments for RBC on the allocation of functions during the implementation of the digital rouble project.

Comments for Kommersant on issuing loans secured by intellectual property.

Comments for VTimes on the attractiveness of financial marketplaces for banks.

Comments for RBC on rapid growth in the popularity of QR codes as a payment method.

Comments for RBC TV and Kommersant on the results of the Retail Lending in Russia survey.

Comments for RBC on the preferences of banking clients.

Comments for RBC on the idea of creating a digital rouble.

Comments for RBC on the reasons behind the popularity of non-cash settlements in Russia.

Comment for Kommersant on increasing the frequency of use of banking applications in the future.

Comments for RBC on how banks are using the Faster Payments System.

Comments for Kommersant Specials on the digitalisation of the banking sector and the impact of the pandemic on the industry.

Comments for RBC on the launch of a service allowing legal entities to transfer employees' salaries to the Visa cards of any Russian banks.

Comments for RBC on the international payment system changing the rules for currency conversion on cards in USD and EUR.

Comments for RBC on using the Faster Payments System for b2c transfers.

Comments for Vedomosti on bank deposits with investment plans.

Comments for Kommersant on a tightening of requirements when issuing loans during crisis periods.

Comments for RBC on difficulties in activating the Faster Payments System function in one of the banks.

Comments for RBC on the launch in Europe of Vivid Money – a mobile app and a plastic card for managing personal finances via smartphone.

Comments for Kommersant on a psychological approach to credit scoring in banks.

Comments for Kommersant on the reduction in the number of requests for credit holidays.

Comments for Forbes on the accelerated adoption of digital solutions by banks against the backdrop of the pandemic.

Comments for Kommersant on returning money under the chargeback programme.

Comments for RBC on the decrease in banks' revenues from card payments.

Comments for RBC on a change in banks' operating hours.

Comments for RBC on a joint project between the Federal Penitentiary Service of Russia and Sberbank on employing convicted individuals.

Comments for RBC on commissions paid when originating car loans in dealership centres.


Comments for RBC on the Russian national payment system's first steps into Europe.

Education and qualifications
  • Plekhanov Russian University of Economics

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