RBC daily newspaper writes today that "Unistream" commercial bank owning the money transfer system of the same name will become a universal bank.

Monday was the last working day of "Unistream" CEO Suren Hayriyan who worked in the bank for 12 years. He will be replaced by Kirill Palchun who took the post of Financial Director of "Unistream" in 2009 and was involved in elaboration of the company's strategy and products.

Kirill Palchun told RBC daily that the new strategy of development of "Unistream" is meant for a period of 3 years.

"Our customers are very mobile, they need other financial services besides transfers. That's why we decided to start universal banking", noted Kirill Palchun.

The company's first step was the launch of "Unistream-Money" service within which a customer may get banking and payment services online. "In fact, it's an e-wallet for transfers and not only", noted Kirill Palchun.

"The service is meant for our loyal customers which are over 2mln in number. These are the people having IDs for money transfers", added Mr. Palchun. "Unistream" plans the e-wallet will have 1.5mln customers.

The online payment market doubts "Unistream" will be able to convert its customer base into e-wallet users. "Consumers who are used to making money transfers to CIS in cash have little in common with active internet audience. They are not accustomed to paying online that's why it will be hard to "retrain" them on a large scale", RBC daily was told in the press service of "Yandex. Money".