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Free transport cashless

South Korean investors will invest 1,8 billion rubles in the translation of passenger traffic in Primorye for a cashless settlement

Free transport cashless
At the end of September, the Far East Development Corporation announced the receipt of the first applications for the placement of projects in the TOPs and the Free Port from companies representing the interests of South Korean investors. In total, three projects were announced for the amount of 2,6 billion rubles. The largest project in financial terms - 1,8 billion rubles of investments - has been announced in the Free Port of Vladivostok. Within the framework of the project, the South Korean company Gideon Sistek, together with the Russian City Transport Company, plans to implement a program to introduce electronic payment for services in urban transport. The details of the project were found out by the correspondent of EastRussia.

All cache luggage in the box
Despite the fact that investors have only now decided to apply to the Far East Development Corporation for obtaining the status of a resident of the Free Port and all the benefits due, the project itself is not new. Thus, a program in the field of transport and the provision of electronic payments services, developed by Russian partners on the basis of technological developments in the field of electronic payments by a South Korean company, was launched in pilot mode together with the city administration of Vladivostok in August last year. The program is designed for 10 years and includes the introduction and development in Primorye of a universal unified plastic settlement electronic system. The first stage in its implementation is the equipping of city and regional transport (buses, trolleybuses, trams and funiculars) with a specialized automated device that allows you to pay for public transport without the physical participation of drivers or service personnel. The device, the so-called cash-box, is an automatic terminal capable of accepting coins, bills from passengers, and withdrawing money from a contact plastic card. The machine is able to issue change, and the flexible software infrastructure allows you to automate accounting and reporting. In addition, the system is equipped with all kinds of time and space sensors, video cameras and a protocol for online data transmission to a central server.

General Director of Gideon Sistek Choi Ji Yong shared with EastRussia the experience of introducing a modern payment system in public transport in the Republic of Korea. According to him, cash boxes through which fare payments are made have been used in public transport in most major South Korean cities for more than 10 years, making life easier for many, many thousands of passengers every day. This makes it easier not only for drivers or vehicle operators, but also significantly reduces the factor of accidents on the road and even crime. After all, it is no secret that public transport drivers in Russia usually independently carry out calculations, sometimes becoming victims of fraudsters or criminals.

In addition, - Mr. Choi Ji Young is sure, - the operation of cash boxes makes the financial component of the transport business transparent, which should be beneficial to the owner: getting rid of gray schemes and avoiding cash payments allows the company to use banking financial and leasing instruments more freely. ... For South Korea, this is a passed stage. The country's transport passenger fleet today consists of 90% of modern buses that meet the highest environmental standards, comfortable, reliable and pleasant for the passengers themselves. Of course, this level is not ensured without government support. But the role of payment automation in this cannot be underestimated.

Fully excluding drivers from the system of financial calculations is one of the main tasks of innovation at this stage. Therefore, in the urban enterprise public transport call for passengers to consciousness: even if the driver offers to transfer the fare in the old-fashioned way, from hand to hand, you should use the cash box.

"As a directorate of the bus company, this innovation gives, first of all, transparency of the cash flow. With a cache box, the driver does not have access to money at all. To date, the revenue from each bus, operating in the mode of the experiment, has increased to five thousand, - comments Director of BNPAT-1 Andrey Pilipchuk. - For the administration, this gives the transparency of passenger traffic. New areas are emerging, people move from place to place, the center becomes office - they go to work, the traffic pattern changes. You have to see where there are how many passengers, when they use public transport, so that you can, for example, add buses to the route. In addition, with increasing profits, more taxes will go to the treasury of the municipality. "

Correspondent EastRussia tested know-how on one of the city's routes. And overall I was satisfied, although it was not possible to use the card when paying: they are not sold, and in the test mode a limited edition is used. A slot for notes does not accept banknotes worth 500 rubles or more, so I had to prepare a trifle. Kopeyki also does not accept, the minimum worth of a coin is 1 ruble. For the sake of justice, the device gave the delivery neatly - dumped in coins in a special slot.

Large scale economy
The second stage of the program implementation, according to Dmitry Gritsenko, General Director of LLC City Transport Company, the Russian partner of South Korean businessmen, is the introduction of a single plastic payment card and its integration with international banking systems Visa, MasterCard and the Russian Mir. This will expand the capabilities of the card itself. As the card develops, it will be possible to pay not only in transport, but also in stores, and pay for services in various areas. Such a system, for example, has been successfully implemented in Hong Kong, where the OCTOPUS card is popular among the local population: it is accepted almost everywhere: when paying a bill in a cafe or restaurant, in a store, in any type of public urban transport, with the exception, perhaps, of a taxi. The Korean investor in Vladivostok also thinks big - businessmen want to enter the transport markets of other Russian cities through the seaside capital, the next city is called Khabarovsk.

It is clear that the success of an enterprise largely depends on the convenience the system offers to passengers and on the level of penetration of new technology into the transportation market. Actually, the business plan submitted for consideration of the application to the Vladivostok Freeport provides for a total investment of 1,8 billion rubles. Such large sums will go to hardware, software, maintenance and other infrastructure. At the beginning of October, preparations for the installation of technological equipment will begin, and by the beginning of next year all city buses - about 600 pieces of equipment - will be equipped with cash boxes.

The investor has not yet disclosed the details of the return on investment - in what time frame and how exactly the invested funds will be returned - in the form of a share from transactions, service charges from a carrier or other instruments. At the same time, the investor already at the first stage guarantees operators an increase in profitability from transportation by 35%. Also, negotiations are currently underway with three large Russian banks, which can partially take over the financial infrastructure of the system by acting as partners.

Dolphin sailed?
Today the stars are clearly in favor of Gideon Sistek: a company representing Korean capital, and even entering the system of state support for investments in the Far East immediately after the South Korean leader's landmark visit to the Eastern Economic Forum, can certainly count on administrative favored treatment. Whether the benefits granted to the resident of the Free Port will help the Korean investor implement the project will probably be clear as early as next year. And maybe even earlier - when the fate of the competing system of non-cash payment for transport - the project of the Primorye Bank called "My Dolphin", will finally become clear.

So, the payment system "My Dolphin" was initiated in 2012 year. The payment terminals for a special plastic card already had more than 99,8% of the Vladivostok bus fleet. The payment system continues to operate to this day, despite the fact that on the Internet there are regularly opinions on her care from the market. According to the representative of the Bank "Primorye" Eugenia Sologub: “The Bank continues to service the previously issued cards“ My Dolphin ”and the infrastructure for their acceptance ... The project“ My Dolphin ”from the very beginning was focused mainly on paying for public transport. But, unfortunately, we had to face technical restrictions: the connection required for making payments “fails”. Despite this, many of the Bank's customers continue to use My Dolphin cards to pay for travel, noting the convenience of such a means of payment ”.

According to EastRussia, in general, the "My Dolphin" payment system coped with the load, although in the process various subjects arose, including fraudulent ones. So, for example, the story is alive about how savvy drivers thought of taking out the check tape from the terminal and requiring passengers to apply the card several times in a row, allegedly because of poor communication, but in fact achieving multiple write-offs.

How both these systems - "My Dolphin" and "Gideon Sistek" will coexist or interact - given that each of them uses its own payment terminals - is not yet clear. Neither the bank nor the investor company of the new EastRussia payment project was able to get a clear answer.
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