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Natalia Rakova

Natalia Rakova

Partner, Head of Financial Services Advisory

KPMG in Russia and 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 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