Money is often and completely wrongly portrayed as an outdated social error, according to representatives of the Alliance of Consumer Organizations in Lithuania. This is due to the fact that the public speech on financial issues is shaped by well-paid bank analysts and the centers for the dissemination of information held by the banks themselves. Banks propagate, which is based on a one-sided report on a seemingly quick end to the "impasse of life", reported by consumers as "buka" and proposes to resist the events.
The popular stereotype of banks for the lack of points in our society, changing the net with new forms of settlement, is also not a critique, just by comparing Lithuania with other EU countries.
"Evidence shows that Lithuanians use bank cards on average to the same extent as residents of other European countries, for example, even more so than Germans or Italians, and slightly smaller than Irish or Spanish. […] So, we are not the backbone, as we try to "stick" to our heads. It seems that banks are restricting people's access to a cashier – closing bank branches, no longer providing cash services, increasing fees for cash services – leads to very selfish incentives to take advantage of people's mediation to pay for goods or services " , says the Secretary General of the Lithuanian Banking Association Director Rūtenis Paukštė.
Representatives of consumer organizations point out their own beliefs about the benefits of seasonal settlements. However, in their opinion, measures based on the principle of honey are not necessary to promote the consumer. According to Mr. Kostitis Koupsidis, Executive Director of the Fair Trade Association, the introduction of new electronic purchasing and selling and crossing systems, the application of which to Lithuanian companies is addressed to the State Tax Inspectorate, should be relatively simple and introduce a more stable discount price for both sides of the transaction – the buyer and the seller when the transaction with the end user takes place via the cash register.
"Suppose a trader saves 1% of the VAT paid if it is not paid in cash and the buyer receives a personal income tax deduction from the paid card.If we are talking about a tax deduction for domestic work then why not set a higher target – to reduce the net, but also the size of the shadow economy, through tax incentives for the use of electronic money? Saving VAT rate is already a great incentive for a trader to invest in the maintenance of the terminal payment. "
The state, by creating such incentives, initially risks not receiving a small portion of the tax but is offset by significant revenue increases later when consumers know the benefits of electronic settlements. With the reduction in cash settlements, the shadow economy is declining as more transactions are identified and traced. "However, this should not be aimed at prohibitions, for example by restricting the use of net use by imposing a" cash cap "on transactions and similar measures. Advertising measures that give the user tangible benefits from non-profit use are better And the propaganda that is repeatedly repeated by the bankers does not work, the Lithuanians are clinging to the head that the net is gone and we have to go to the Swedish path (while making sure that Sweden is probably the only one a country in the world considering rather a radical chance of total net denial.) People feel the false knowledge of banks, still appreciate the net benefits and even remain deliberately connected to the net, so as to keep as little as possible of banks " , notes the head of the union "For Fair Banking".