
AI-generated summary
The concept of “dopamine banking” was launched by T-Bank in 2024.
As noted in the report, the main idea of the new generation of “super apps” is to avoid complexity and reduce the cognitive load on the user. The banking application is now easier to use, while its functionality is fully preserved and new services have been added. The bank suggests that this approach could become the next stage in the development of banking applications in Russia within the framework of the “dopamine banking” concept, which was launched in 2024.
According to Vice President, Director of Product and Technology at T-Bank Konstantin Markelov, the mission of banking applications is to effectively solve the client’s problems, while staying ahead of his requests and not overloading him. “You may not even understand what exactly happened, but you will definitely see how much easier and easier it has become for you as a client in every task,” his words are quoted in the message.

From September 29 to October 5, inflation in Russia amounted to 0.96% against the background of the planned indexation of housing and communal services tariffs from October 1. Since the beginning of the year, price growth has reached 5.94%. A significant increase in the cost of housing and communal services offset the reduction in prices for fruits and vegetables.

The Iraqi Cabinet of Ministers officially devalued the national currency. The Iraqi dinar depreciated by 13-14.5 percent against the US dollar amid declining oil exports and regional instability caused by the conflict with Iran.

The Russian Government has prepared a bill allowing legal entities to register a business through Russian Post email. The initiative is aimed at simplifying communication and saving on office rent.

The share of gold in the international reserves of the Bank of Russia decreased in September to 41.22% amid a general decrease in the volume of reserves to $731.8 billion and a fall in the value of gold reserves.

Russia's National Wealth Fund reached 12.98 trillion rubles ($151.85 billion) by October 1, 2026, representing 5.5% of projected GDP. Liquid assets decreased to 3.8 trillion rubles, with holdings including 184.4 billion Chinese yuan and 131.7 tons of gold.

Russia's international reserves fell by 4.85% to $731.76 billion as of October 1, 2026, driven by a decrease in both foreign currency holdings and the value of monetary gold, according to the Bank of Russia.