Popular services and leading regions
According to VTB, among SME clients,the greatest demand for self-employed services is observed in the following industries:
- Construction and repair
- Transportation services
- Information Technology
The average check in these categories amounted to65 thousand rubles. The largest volume of settlements falls onMoscow, the Moscow region, and St. Petersburg. Among other regions where there is a high demand for self-employed services,the Republic of Tatarstan, Sverdlovsk and Irkutsk regions, Krasnodar Territory, and Rostov region are the leaders.
Growth in the audience of the self-employed and their activity
In addition to the increase in the number of settlements,the audience of VTB's self-employed personal account has doubled. This service provides users with access to the following features:
- Confirmation of self-employed status.
- Automatic registration of income with the Federal Tax Service.
- Formation of checks for clients.
- Using tools for doing business.
More than 130 thousand clients are already using this service, and the number of checks issued in 2024 increased2 times - almost300 thousand for the amount of 4.2 billion rubles.
"Not only is the interest of business in the self-employed growing, but also the number of specialists themselves. We are seeing a twofold increase in the audience of the self-employed personal account. Thanks to convenient digital tools, entrepreneurs can conduct their activities, and companies receive reliable contractors. VTB will continue to develop services for this segment," - saidSpartak Solonin, Head of the Corporate Digital Business Department, Senior Vice President of VTB.
New opportunities for the self-employed
In 2024, VTB expanded the functionality of settlements with the self-employed, adding the following options:
- Transfers by account details (previously, only payments via the Faster Payments System by phone number were supported).
- Accepting payments by QR code from clients of any Russian banks through VTB Online.
- Automatic issuance of checks after making a payment.
The growth in the number of self-employed and the active interaction of business with them reflectsa global trend towards flexibility and digitalization of entrepreneurship.