almost all at once and although he was a nobody, he was a nobody until that moment, the next day some kind of agenda came to all oppositionists, external to internal, everyone recognized him, the same could happen with navalnaya, that is, it doesn’t matter who it just doesn’t matter, but this is really the world of information wars, where an image is taken, where some sign is taken, and if necessary, everything will be concentrated on this sign, they can try to do it. her victim, a new victim, one navalny is not enough, send the second one here, and or just start promote like tekhanovskaya in the west, make her the head of the government in exile, these are all strategies, by and large they seem ridiculous, because they take no one there, some kind of nonentity, he says, this is now your future president, and as if by magic shelves , this is recognized by both supporters of the west and opponents of the west, they begin to rush around and change and... somehow persecute, imprison,

release, the main thing is to get rid of this haze, this fog of information wars led by them, if both navalny, the deceased, and julius navalny, everything else the environment is simply a group of terrorists working for the cia and hating russia in an animal way, then we must treat them this way, in my opinion, this is not a question of political choice, this is a question of the war that is being waged against us, it’s simple. cartridges, these are gunners, these are saboteurs, these are drgs, the enemy, and here they now want to tell us that we need to start terror against supporters of the regime inside russia, this is what panomariov announces, who openly took responsibility for the attempted murder of me, the murder of my daughter, this is a former deputy the communist party of the russian federation, an employee of khodorkovsky, in fact he does not change, he is an enemy, he is a principled enemy of the country, he is a terrorist. and not the most important thing

is that he became like this, when he was in the state duma, when he went to the kremlin for a reception, who was he, was he some kind of normal panomariov, or was he such an agent for a long time, so if we are surprised that suddenly a state duma deputy becomes a theorist and practitioner of terrorism directed against russia, it seems to me that this must be concluded, let’s see who else we don’t have right now there, not already in the open, as there is no reading today. declared a criminal community with let's see - who was connected with these networks, circles, this did not happen in empty space, there are economic, political, information, lobby structures, there are business structures, there are corrupt communities, it seems to me that it should now, as it were, your acting colleagues, what should you pay attention to, they are far away, of course, you need to hold the defense against them. but there are a lot of networks

left here and it won’t take much effort them, in my opinion, to identify them to save the lives of those people who, from my point of view, this is one of those situations when there is no need to complicate it, because the situation is simple, so far we have been talking about radical opposition, especially when they found... .

they are on the side of the enemy, not only that they sympathize with the enemies, but they feel sorry for the unfortunate ukrainians, but no, they say that in this war, they want victory for ukraine and not only do they want it, they want to help so that this victory can happen. place, they say that this victory should not come through some negotiation process, not just any,

that many ordinary vlasovites at least had extenuating circumstances, they were recruited in german concentration camps, this does not justify them, but at least...

this is the easy money podcast, me and its host mikhail khanov, today we are dealing with national payment systems, with new means of payment, and most importantly with new technologies, which is everything. this is ensured by olga nikolaevna skorobogatova, first deputy chairman of the bank of russia, visiting us. hello olga. hello michael. thank you very much for coming. there are no comments from market participants, from commercial banks, first of all, that the central bank is pulling the blanket on itself. here, let’s say, if the payment system of the world, which, by the way, no one believed in either, yes, with what difficulty and squeak it was launched, now de facto we have already become so accustomed to it that it stands on a par with global payment systems , card here the role of the central bank is, let’s say, supportive, regulating, and if we are talking about such things, we will now talk in detail, like the digital ruble, how a single qr code, as far as here you get from market participants the remark that the central bank wants to become the main bank, that is, why is

all this, and how will we feel in this paradigm? you know, in general the attitude of market participants is very different, for example , by the way, remember the world map at the beginning of the journey, well, in addition to skepticism. then it is impossible to do this in the time frame in which we did it, and there was also skepticism, why is this necessary at all, our cards of international payment systems work perfectly, there was certainly skepticism, but why is the central bank doing this, let one of the commercial players do this , well, history puts everything in its place, and i must say that we probably answered all three questions, why are we doing this, why are we doing this did what it gave us in the situation we faced, but when we talk about some other such... in structural, centralized decisions, of course, some of the participants always try to interpret that we are trying to enter into the commercial activities of commercial players which is wrong for one simple reason: the central bank cannot and should not serve clients, that is, servicing

clients, individuals, legal entities, has been and will be provided by banks or financial market participants depending on the operations, trying to say that the central bank has become a commercial... player, to put it mildly, incorrect, because it inherently cannot become a commercial player, what a central bank should and can do is create an equally remote infrastructure when all participants can use it services, and by all participants, here i mean not only participants in the financial market, but certainly citizens and businesses, the central bank does not take commissions, let’s say for our audience, but the central bank takes commissions from banks or financial participants if they make payments, for taking part. due to connection there to one or another system, here are the tariffs themselves, there are limits on transactions or some package services or cashbacks, this is already established by the commercial players themselves, that is, we as consumers are used to everything, i think that these are all our both spectators and listeners, at least once in have used sbp in their lives, everyone knows these

famous colored triangles, and we won’t even name the different banks, and even they now put them at the forefront, they can be found right away, not like before, but there had to be... often to himself, is this established by the bank or is this established by the security council as the regulator of this platform? the commercial player sets the tariffs and limits himself, but we can, and in some cases we do, set a threshold, that is, no more than, how much is that now? in your example, by the way, with 100 thousand, if we are talking about sbp, 100,000 per month is free, over 100 thousand no more than 0.5 by the way. people, yes, now we are talking about c2c transfers, the so-called, when a person transfers to another person, in this frame, over 100,000 to 0.5, in fact, if you look, banks also set very different commissions, some 0.2 , some 0.3, some 0.5, this is right on topic, that yes, we set the threshold, but then, as far as the bank works with the client,

it makes this decision itself, but now and just recently a law was passed that regarding transfers to myself, i’m talking about 30 million, which you or i can transfer to... within a month for free to another bank account, that is, i will repeat once again what olga said, from zampre dcb it was said that now c2c users themselves are obviously entering the sbp system. in fact, this applies to absolutely all types of payments, that is, you can transfer it simply according to your payment order, that is, from the account , it doesn’t matter. or through sbp. are there any limits? pieces, that is how many 1 million, 2, 3, you know, we had no restrictions on transferring the amount to sbp per day,

there was really a division there of one operation of 1 million, we even removed that, because we believe that it should be convenient for the client to transfer any the amount is directly 30 million per month, you can 30, you can 15, you can 25, if more then there is a commission or a ban, there is most likely a commission, we are now looking at how the banks will solve this issue, but 30 million

to any person, or you pay, for example, a retail and service point, i think that everyone who regularly visits stores, pharmacies, in general, everywhere we go, yes, pay attention to the fact that the number of stickers on the glass in front of the cashier is growing by leaps and bounds, and to be honest, when there were two or three of them, well, people somehow we were guided, now in some places it reaches 5-6 and will be 7, 8, 9, 10, if nothing further is done in this regard, the person will definitely get lost and stop altogether. understand that he must pay with what and at what moment, on the other hand, why do we want

this payment service through sbp via qr-ru and not only through sbp, now i’ll tell you that universal qr is not only a technology for sbp, let us explain once again: a qr code is such a square of drawings, it is now pasted, often it is pasted, it says , for example, pay with a power supply or pay with such and such a bank application or such and such a qr code application - but if everything works and you don’t give the opportunity to create something new, then you can very quickly

become outdated, and we are just like a country, well, we want to always be among the top three leaders in innovation and payments and generally take first place, even there is no second third, but that’s why it appeared, so we just realized that technologically it is necessary to develop a qara standard, when a person does not think how to pay him, well, or...

and confirms the payment, but the most remarkable thing is that when he then, for example, he goes to some other store, if he wants to pay with the same instrument and the same banks, he simply confirms the payment, that is , we... will also create a technology that will allow the client to remember the last bank that he convenient, long platform wrote, you know, in general in our country the principle always works, but i paraphrased it a little for myself, before it was a five-year plan in 3 years, for me it always sounds like a five-year plan in a year, that’s basically fair with good organization of inspiration and

the right with the project structure , even the most complex projects can be completed from scratch within a year. in terms of qara - it’s less time, it took us, it took us about four months, you as a person who a manages these projects, b actually creates them there, almost by hand from scratch, compiles them together and at the same time looks at how they fit into existing realities, attention to the question: 10 years pass, do you think people will use cards more often? when paying for goods and services or with a universal qr code? i think that in 5 years people will use a qr code and a digital ruble. eh, zakhar andreevich, why don’t you, let’s go into the frame, into the frame, your son is convicted, you yourself understand what a shadow he casts. i think love is joy

that this is happiness. what is this, you better teach me to ride a horse, there’s no point in coming here. they turned away that brother, things are bad, she’s driving me crazy, leave these thoughts, she’s a stranger to us, please don’t be offended, tosya, you’ll come tomorrow, listen, i don’t want you to communicate with him, you’re only meant to cripple fate people can, tosya, tosya, wait, two shores, the premiere of a serial film, tomorrow after the program it’s time, i’m glad to see you, father, we have nothing to talk about with you, go away.

miracles on friday on the first, this is the podcast lungs money, i am its presenter mikhail khanov, today we are talking about national payment systems, about new tools, about the technologies that these tools allow us to implement, our guest, first deputy chairman of the bank of russia, olga nikolaevna skarbogatova, helps us with this, a terrible word for everyone - bioequiring, olga, what is this? also one of our new projects, it became possible, among other things, due to the fact that a law was adopted to create a state biometric information system, which is called a unified a biometric system, this is not 115 not a law on protection, this is not 115, there are several laws, 115 including changes, yes, but once again a unified biometric system, to

explain in simple terms, yes it is voluntary, this is the key , which is also extremely important for us. i’ll tell the whole audience that it’s voluntary, now it’s voluntary , at your request, the opportunity to submit biometrics to this system, that is, your photograph , well, let’s simplify the photograph, the photograph, roughly speaking, the photograph, the voice is included there the voice is included there, and that is, photographs of the voice in those branches of the bank who provide this service, you need to look at it on the bank’s website; they directly give specific addresses where you can go to do it for what if you want. then use, for example, your biometrics, that is, your sample, you can use this when making payments in a store, that is, even now you sometimes see that there are terminals like pay with your face or pay with a smile, yes, but we are talking about that when we talk about a unified biometric system, then all participants, well all banks will be able to provide such a service to their clients, not one or two participants, but all

banks, again, if the client wants, that is , you have submitted your biometrics once, your... this is the second, second check for you, you want a system, further, if you sign up yourself, do you want to use your biometrics when paying, do you want to use, for example, when going to the business lounge at the airport, do you want to use, for example, when going to russian railways, that is, there will be many services there, not only financial, but also non-financial, which can be to do, precisely according to the previously submitted biometrics, but they use this...

organizations that can work with encrypted information must undergo accreditation of their systems that work with already encrypted information, only after accreditation it is very difficult there, a huge number of security parameters are checked, they will be able to work with this, that is, there is a lot of echelon security system in different areas, which, well , makes this system, let’s say, as secure as possible, let’s go... i’m being philistine i’ll say with my tongue everything that you said, and you will correct me, whether i’m right or not, that is, if, our dear listeners, viewers, if suddenly it seems to you that having submitted your biometrics, the data

of your photo, voice, and some other things are not i know, cutaneous eyes, you are afraid that you will become a victim of scammers, then the scammers, if they suddenly somehow get your photograph, a sample of your voice, they will not be able to come with this, they will say, here i am, it’s you, yes, because... the first and most important thing about what olga said is coded information, that is, this is not just a photograph, a voice sample, they are encrypted in a certain way, modified into some completely assembled code, a number, yes, which still needs to be obtained in this way, but even if suddenly, although this is still unlikely, if you can encrypt your biometrics in this way, no matter who this system takes it from, that is, it takes it.

let's go now to the real pilot, and this, well , it seems to us, this is an amount that, plus or minus, is very comfortable for one more protection, that is, there is a limit on top, it is worth the limit is from above, when i naturally communicate with everyone there, including in normal life, they also ask me questions about biometrics and security and so on, i probably nine out of ten hear more reviews on how quickly you can launch it , i would like to try it, well because in principle, of course, paying in person is very convenient. you're standing in line, i'll just give examples, coffee, a sandwich, your hands are full, you need to reach for a card somewhere, a phone - again, judging by the size of the phone, these are two hands, here

smile, pay for coffee, but at the same time there is a risk when it costs a limited 20 thousand, really all small purchases, well, it’s hard for me to imagine going to a grocery store there, usually it’s several thousand rubles, but if you don’t buy for a month right away, yes, then , in principle, when you go, we’ll tell you that it’s always digging, especially in winter in a bag with a phone. i’m kidding, there are winter fingerprints and summer ones, because the structure of the fingerprints changes, yes, in fact , that’s what you say: convenience, average receipt it seems to us that this amount fits perfectly, that is, this is such a common story, a good figure, this is an easy money podcast, i am its host, mikhail khanov, today we are talking about national payment systems. new payment instruments, new technologies that make it possible to provide all this, our guest is the first deputy chairman of the bank of russia

olga nikolaevna skorobogatova, well...

and non-cash funds in banks, payment services work great, why? yes, and the first question we owe ourselves is were to answer, why? why at all? we will go further into this story, because it is certainly complex both from the point of view of organization and the construction of this system. we were prompted to do this, in fact, by statistics and the love of our people and businesses for non-cash payments. i’ll explain why: in 10 years we have come such a fast way from... a cash society to a non-cash society, now we have roughly about 83%, and we predict growth for the next 2-3 years, that is, i think that in 5 years we will definitely reach the numbers are 93-95, percent of payments in non-cash form, well, here you know, i’m judging by myself, i’m interrupting from the inside, i was just trying

to remember the last time i had a cat. if we survey everyone, i think that 90% will answer the same thing, i myself am in the same condition, the service did not work here when i needed to pay in a restaurant - tips, tips, and i was really surprised, because cash i didn’t have it, exactly the same story, yes, well, but in fact this means that of course... 10 years with one on the other hand, this is a long period of time, on the other hand, for behavioral characteristics and in general for you and me it is a short period of time, but i must say that the uniqueness of our citizens lies in the fact that we are very adaptive and in general we are very loyal in fact to innovation and to new technologies, we quickly accept them and begin to use them, because, for example, if you look at some european countries or look at japan, there, at the level of mentality, people cannot cross this

border of life. and checks are still being written, and i also know these countries, and of course, when we looked at this picture, we realized that people really don’t have any cash left in their wallets, after all, this is the property of cash, when you pay at any time and don’t even think at all, it doesn’t matter what tariff you have, big or small or zero when, what bank, this is the property of cash, which in non-cash, in any form, in one form or another, yes, it’s still there.

pay, this is the first remark, the second remark, what i started with is here, i think that you should experience much greater pressure from banks, commercial ones, who say: well, in general, well , okay, a qr code has not gone anywhere yet, but here with the digital ruble, guys, you 100% climb into our clearing and become a full-fledged player who it also makes payments, and without covering it up with any technologies, and a qr code, universal or sbp, declares directly to the forehead that you are imitating, well, the state is imitating currency, you are on your platform, and this is exactly how it works, yes, you store it, hold it, carry out transactions until... great, for you, this cost is practically zero, but what are we going to do, commercial banks, we are like who are speaking here, well, firstly, from a cost point of view, this is definitely not, well, not zero costs, and none of the players

objectively can issue a national digital currency, because only the regulator can issue it, and objectively, even if such an option was considered there, it would impose costs on the entire country from the entire infrastructure. well, to be honest, i also don’t believe that anyone would decide to do this, but returning to your first to the question that you just said that from the point of view of tariffs, yes, today it’s zero, and tomorrow, you know, in general, well, firstly, in fact, i always like to judge by the result, so in words we can say that whatever you want, yes, but the best argument is to look at what actually happened, happens, yes, we have never increased tariffs even for our services for participants, as a rule, we lower them over time. well, because we understand that, in fact, yes, we incur some costs, of course, there are some the small commissions that we take or have taken from participants in the financial market are precisely needed so that over the long

horizon, not over the short horizon, this is important, over the long horizon, we still cover our costs, but at the same time, as soon as we understand that we have the opportunity to reduce, we are just reducing, and in general the whole philosophy, here’s the hut before the digital one. now it is precisely based on the fact that once again, for us now payments, as you rightly said, are no longer something that i want to use, i want, i don’t use, it’s really, just like you and i drink coffee in the morning or tea, yes, well, that is, it is so natural, it has become a natural habit of life, it should be free for a person, this is our deep conviction, yes, we have tariffs for business, when he accepts non-cash payments, here, as i said, why is it important to have a different line? be able to, the business itself determines what instrument it, for its part, will accept, well , more there, for example, they promote it, but it is always obliged to accept some instruments, such as the digital ruble, because it national currency, just like if

someone has cash left, of course, if there is an isps card, then the person should also be able to pay with it, that is, there should be no restrictions, so in my opinion, this is some kind of artificial story about that , which is just... the central bank will then somehow increase the tariff or, on the contrary , change them, a much more unpredictable story is the opposite with commercial players, because the commercial player is directly interested in the tariffs being, preferably high, so that in fact the maximum profit was at the end of the year, so this is precisely the role of regulators here, and we, as i said, are not alone here, the same european union, when it published its report on the digital euro, other regulators, they all emphasize that... for human transfers for free, how do you refute the accusation of total control, that now every ruble of ours, where it went, everything is visible, everything is under a magnifying glass, yes, it’s one thing when budget money is allocated to a specific governor for a region

and so on, and there yes , please, make sure that all the rubles go where it is necessary that these are real constructions of playgrounds, yes there, and not some kind of corruption schemes, but it’s a different matter when we are private people. and that someone is under the illusion that there is no control at all with non-cash payments? yes, this is my answer, i know it, i mean yes, i just know, i just know how accurate the central banks are and which ones, i won’t upset everyone now. i just know what amounts, as a person who has worked in the banking industry for decades, i just know what amounts the central bank can control, yes, because it can and controls, these are different things, you and i understand, yes, it’s the same thing, just like we all think that telephone conversations

are recorded there, operators store all this data, it’s one thing to record, another thing to use, the same thing here, yes, so, because this, look, in fact, everything that everything that is stored in one form or another in electronic form or passes in... electronic form certainly leaves its mark, and it seems to me that any person , who, as it were, simply asks himself a question, and answers it himself, how only you are entering the electronic space, this applies not only to payments, but to any... you have conducted telecom operators, there are a lot of other things, yes, that’s it, the trace remains, then in fact it’s a question of what control procedures and supervision exist in general, who is doing this, who is doing this, with regard to the digital ruble, we have always answered, i will repeat our answer again, it does not change with us and should not change, because well, we really think so, these are the same procedures that work we have non-cash payments, here are similar ones procedures must work with the digital ruble, because once again the logic, if we start from the topic of combined properties, then

the property of electronic payment, which the digital ruble will have, is exactly what the digital ruble has, that’s exactly what plan is similar to non-cash payments, so the methods, principles and approaches will be the same, with the digital ruble we not only saved, but this was also our completely conscious decision that to open a wallet in a digital ruble and make payments in a digital ruble, a person can through any mobile application of the bank where he has an account, that is, we preserve both the bank and the person the habit of working with each other, well, because it has already been formed, then you are not acting as a retail agent? we are in no way acting as a retail agent, once again, this is not our mission, and we do not see ourselves here and do not want to, your platform, our platform is our service, which allows you to make payments in digital rubles for free, from a business point of view , we provided for a commission there, by the way we have already approved it in general minimal, by the way, what the business asked us about, well, the last one... well, that is , if you look at the fact, then again, you are like mana from heaven for business, so

mikhail, for example, go to bank x, you are there you have accounts, loans, cards and so on, you say, but i also want to open a digital wallet in digital rubles on the bank of russia platform, your bank through a mobile application is the same with which you... have already grown together, and you love it, you like it, finds it, you find the option in this mobile application bank x, open a wallet in digital rubles, transfer money from your non-cash account to your digital wallet, and there, that ’s how much money you have in your digital wallet in digital rubles, this is exclusively your diocese, that is, we will set a limit of 300,000 per month with non-cash account, well , just so that the banks can actually manage liquidity and we... rubles

in your wallet, then your mother or daughter or wife transferred another 200,000, someone else 500, that’s the whole amount that you have on your digital account wallet, you can manage without any restrictions at all without commission, and i think this is actually very cool, i really want a digital wallet to appear in my life in the lives of our citizens as quickly as possible, well, de facto, de- in fact, i now tell you, well, for sure you...

if i let you go without any plans for the future, and preferably also the news that they will learn first from this program, what is in the plans for the near future, then i will tell you about the digital ruble, because which is true, and last year we had a pilot with twelve banks we started with real clients, of course, since we created the infrastructure ourselves, this is important, we created it ourselves with our resources, the main backbone is... it of the central bank, in fact, there are major technical

improvements between us and the banks in order to ensure the ability to log in through the mobile application of banks, and just these 12 banks that entered into real operations with us, they went through the journey with us so far on a very small number of clients and a small number of operations, why we needed to debug all the nuances, this it is extremely important, we have now made sure that everything works functionally for us, exactly as we want, from the point of view. client - it’s fast, and this is very important, that is, we naturally compare ourselves in terms of response and how quickly you will complete the payment with the best systems, which should work there for a few seconds, no more, preferably 1-2 seconds. here we are, too, in the timing that we have set for ourselves, and we just recently decided that we will expand the number of business citizens, which in these twelve banks will be able to connect to the digital ruble project, and we will expand it tens of times, wait for news from us, we will soon say more precisely, and this

will be literally within 2 months according to your plans, when the digital ruble, as they say will it be for everyone? we are not in a hurry, but we are not late for anything, so i think that the twenty -sixth year is already such a full-scale story, banks are joining in groups, and we also built this work absolutely consciously, but the second group we already have 20 banks, they now all technical tests are being carried out with the platform, and i think that they will be connected by the end of the year, then there will be a third group, and in the twenty-sixth year i believe that most banks will already be able to provide cpc to clients. universal qr code: this year, we’ll live right now, this year, this year, great, thank you, olga, this was the easy money podcast, me and its host mikhail khanov, today we dealt with national payment systems, with means of payment, with new technologies behind which central stands

bank of the russian federation. you can find all episodes of the easy money podcast on the channel one website. hello everyone, on the first channel of the podcast everyone wants to fly, i’m its host leonid yakubovich. i feel a special feeling today, my guest is a legendary person, and i say this without quotes, because i know the attitude of so many people towards this person, here in the studio... lieutenant general of aviation, hero of russia, nikolai fetrovich gavrilov. hello, hello, well, i'm glad to see you, let's not hide it, we know you almost 30 years and i have the honor to call you my teacher because you gave me heaven. what did you finish? i graduated from the sizran higher military aviation school of pilots in 1979. and

how did a boy from a small chuvash village suddenly end up in a military aviation school? the clan raised worthy sons, also our representative became cosmonaut number three, this is andrian grigorevich nikolaev, and i was just a little boy, as you said, and this message struck us all when they asked the boy, what will you be when you grow up, all the boys answered, an astronaut, and the path to space then lay through a flight school, usually a military school, so since childhood i dreamed of going along this path.

fighters, helicopters fly there, i, naturally, was upset at first, but now i realize that this is god’s decree, i was lucky that this is a very wonderful type of aviation and i became a helicopter pilot, you have been the eighth all my life, i can conventionally say that i am a graduate passed the exam at the syzarinsk higher military aviation school on the mi-8, began to serve in in the armed forces, and from lieutenant to lieutenant general i flew on the mi-8, i retired from civil aviation, i fly on the mi-8, there are probably no such people, i was lucky with this helicopter, it is a unique aircraft that will certainly be included in the guinness book, and it has been flying since sixty -one and is now the best helicopter on the globe, you graduated as a lieutenant,

naturally, so it’s clear, you went to your unit, how did you end up in afghanistan, my unit was located in the south of the country, in the mountains and... certainly one from