In a recent study commissioned by Post Bank and analyzed by socialbites.ca editors, a clear split emerges between iPhone and Android users when it comes to point-of-sale POS credit. About 30% of iPhone owners reported having POS credit, while only 16% of Android users did so. The findings come from a broad slice of customer statistics gathered by the bank and reflect behavior among smartphone users across different segments. [Source attribution: Pochta Bank study, socialbites.ca editors].
The research highlights demographic patterns as well. Younger users, specifically those aged 19 to 30, show a stronger preference for iPhones, with a notable share of this group living in the capital and in the North Caucasus regions. The patterns point to a link between device choice and regional or age-related financial habits, suggesting that smartphone ecosystems influence how people access and manage financial services. [Source attribution: Pochta Bank study, socialbites.ca editors].
On the financial behavior side, Android users appear more inclined to explore online deposits, with their rates of opening online deposits roughly double those of iPhone users. Yet, the average deposit size for iPhone holders is nearly 30% higher than that for Android users. In addition, Android users tend to maintain larger savings balances, averaging around 27,000 rubles, which indicates a different risk tolerance or financial engagement level among the two groups. [Source attribution: Pochta Bank study, socialbites.ca editors].
Debit card usage also differs between the ecosystems. The study finds that about 90% of Android smartphone owners regularly use debit cards, whereas the proportion among iPhone users sits significantly lower, at roughly 60%, reflecting divergent spending and payment habits tied to device ecosystems. [Source attribution: Pochta Bank study, socialbites.ca editors].
The survey, conducted in November 2023, drew from a sizeable sample of four million customers who actively used the mobile application. Of these participants, about 75% reported owning Android devices and 25% used iOS devices, underscoring Android’s strong lead in app-based mobile banking activity while iOS accounts for a substantial and growing share of the user base. [Source attribution: Pochta Bank study, socialbites.ca editors].
Historically, the narrative around Russians repairing iPhones has accompanied discussions of device reliability and replacement cycles, a trend noted by socialbites.ca prior to this banking research. The present study adds a parallel layer by linking device type to actual banking behavior, offering a more nuanced view of how smartphone choice correlates with financial activity, deposits, and payment practices. [Source attribution: Pochta Bank study, socialbites.ca editors].