Almost half of Russians have taken control of the finances of their elderly relatives.

      Almost half of the respondents (46%) admitted that they have effectively become "financial directors" for their parents or older relatives. In the capital, this figure is even higher — 49%.

      Every third participant in the study stated that their parents confidently manage their money independently. For every fifth respondent, it is a team effort: the older generation discusses major purchases with their children in advance, while everyday expenses are monitored without outside help.

      What protective measures do Russians choose?

      To safeguard the savings of elderly relatives, survey participants use various digital tools:

      49% have set up a self-ban on loans for their older relatives;

      19% have limited certain types of online transfers and set limits;

      14% have disabled the ability to withdraw money from an ATM without a card;

      10% have already connected or plan to connect a "second-hand" service (joint account management).

      Most respondents use several restrictions at once. Among these users, there is an equal number of people in middle and older age groups: 38% are in the 30–50 age group and 37% are in the 50–70 age group. Interestingly, among those who restricted early withdrawals from deposits, the highest proportion is among Russians aged 60–70 (19%), reports mkset.ru.

      Digital services — the main assistant

      Almost 70% of respondents use digital services to protect their money. This confirms the trend: technical solutions are becoming the main barrier between fraudsters and citizens' savings.

      Experts note that the combination of self-bans, limits, and joint control significantly reduces risks, especially for elderly people who may not always quickly recognize a threat.

      What should residents of Kirov do?

      Although the study was conducted in large cities, the recommendations are also relevant for the Kirov region. Specialists advise discussing basic financial safety rules with elderly relatives, installing apps on their phones that provide notifications about withdrawals, and considering the possibility of adding additional restrictions if the elderly person does not actively use online banking.

      The main thing is not to leave the older generation alone with fraudsters, but to offer help and jointly monitor large expenses. As practice shows, this approach significantly reduces risks and helps preserve the family budget.