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, not only financial, but also non-financial, that can be done, precisely according to the deposited earlier than their biometrics, but they use this biometrics when they identify you, when you go somewhere, exclusively, you said correctly, this is already encoded information, that is, they do not use your photograph, it is there. and is stored, all safety requirements are ensured in a single biometical we will now separately emphasize, but directly what this or that organization works with, and for example a bank or there , for example, in the subsequent russian railways, and so on, this is encoded information, that is, it is not a direct photograph in any case, but the so- called hashed information that this or that organization uses, when you said: you are taking biometrics, who am i taking it to, who is the owner of this database?

form, yes, because everyone right there who is watching or listening to us now, yes, yeah, well now, that means the scammers called me, it’s clear, now they listened to my voice, and also added from social networks, since they know everything there, including nn with news and so on, they found my photo on social networks, compared it, now they are there based on my biometrics, not only will they collect credits, and even there the account will be emptied, there is no such thing, why not, because organizations that can work with your encrypted information, that is, the first point is encrypted.

as protected as possible, let me say in the buwa language everything that you said, and you correct me whether i’m right or wrong, that is, if our dear listeners and viewers, if suddenly it seems to you that - having submitted your biometrics, your data, photographs, voices, i don’t know what else, cross-linked eyes, you are afraid that you will become a victim of scammers, then scammers, if they suddenly they somehow get your photo, a sample of your voice, they won’t be able to come up with it, they’ll say... i’m you, yes,

because the first and most important thing about what olga said is coded information, that is, it’s not just a photograph, a voice sample, they are in a certain way, well consider, encrypted, 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 unlikely for now, it turns out to encrypt your biometrics in this way, then whoever has this its system is not...

well, when are we going to go to the real pilot now , and this, well, it seems to us that this is an amount that, plus or minus, is very comfortable for consumers; another protection, that is, there is a limit on top, yes there is a limit on top when i, well, naturally communicate there with by everyone and in that in normal life, i also get asked questions about biometrics and security, and so on. i probably hear nine out of ten more reviews about how quickly you can launch it . i would like to try it, because in principle, of course, you have to pay. it’s very convenient for your face, of course, you put in a queue, i’m just giving examples, coffee, sandwiches, your hands are full, you need to reach for cards somewhere, the phone is again, judging by the size of the phone, it’s two hands, smile here , pay for coffee, but at the same time the risk, when the cost is limited to 2000, is really all small shopping, well, it’s hard for me to imagine going to a grocery store there, usually it’s several thousand rubles, well, if you don’t buy for a month right away, then, in principle , when you go, we’ll always tell you this is especially digging.

called the state cryptocurrency, the digital ruble, yes, let me remind you, we already had it . well, let’s talk sweetly about several issues on this topic, roughly speaking, this is a cryptocurrency, in fact

, its issuer is simply the state, this is true, we certainly don’t think so that this is a cryptocurrency, because for us, cryptocurrency is just a private currency in digital form, like bitcoin, ethereum and so on, we... believe and the law says so, and for us, of course, it is our national currency, but in digital form. and, probably, before i say and give an explanation about some advantages , including answering about fears, i remember very well when we initiated this project, started discussing it, when it was, it was, well, somewhere 2 years ago, not so long ago, in fact, in principle, like you you say, at that moment everything was already fine, the map of the world. from bp, non-cash funds in banks, payment services work great, where else, why, yes, and the first question that we had to answer for ourselves, why, why at all, let’s go further into this story, because it is certainly complex, both from the point of view of the organization and

the construction of this system, we were pushed towards this, in fact, statistics and the love of our people and businesses for non-cash payments, i will explain why, and in 10 years we have come such a... fast way from a cash society to society in non-cash transactions, now we have roughly somewhere around 83%, and we predict growth for the next 2-3 years, that is, i think that in 5 years there at this rate we will definitely reach the figure of 93-95 percent of payments in non-cash form, well, here you know, i’m judging from myself , i’m interrupting, i tried it before. remember the last time i had cash in my wallet, olga, and i couldn’t, i really couldn’t, that is, it’s been more than a year, i have an empty wallet, cards and phone everything, if you and i interview 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 i didn’t have cash, exactly the same story, yes, well, actually that's what it says. is that, of course, 10 years, on the one hand , 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 business is that we are very adaptive and in general we are very loyal in fact to innovations and new technologies, we quickly perceive them and begin to use them, because for example, if you look at some countries in europe, or look at the same japan, there at the level of mentality people cannot...

for me, honestly, when you are somewhere so that you can, well, you want to pay with some money from some bank, well , pay, you want to pay for zero and not think at all.

climb into our clearing and become a full-fledged player who also makes payments, and without covering up any technologies, yes, a universal qr code or sbp, you directly state that you are imitating, well, the state is imitating currency, you have it on your platform, and this is exactly how it works, yes, you store it, hold it. 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 whole country from the entire infrastructure, well, i’m honest too i don't believe that anyone would decide to do this, but

returning to your first question, which you just said, that from the point of view of tariffs, yes, today it’s zero, and tomorrow, you know, in general, well, first of all, in fact, i always like to judge by the result, here you can say anything in words, 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 usually lower them over time, but 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 is... here are the huts up to 100 thousand and the digital ruble now, it is precisely based on the fact that

once again, for us now payments are like you said correctly, this is no longer what i want to use, i want to, i don’t use it, it’s real, just like you and i drink coffee in the morning or tea, yes, well, that is, it’s 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 a business when it accepts non-cash payments, like i did here... i said why is it important to have a different line? the business itself determines what tool it, for its part, will accept, well, more there, for example, it promotes, but it is always obliged to accept some tools, such as digital ruble, because this is the national currency, just like if someone has cash left, of course, if there is an isb 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... the story is that the central bank will then somehow increase tariffs or

, on the contrary, change them, a much more unpredictable story on the contrary with commercial players, because the commercial player is directly interested in ensuring that tariffs are, preferably high, so that in fact the maximum profit will be at the end of the year, so it 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. regulators, they all emphasize that transfers are free for a person, how do you counter 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 it’s budget money allocated to a specific governor to the region and so on, and there yes, please, make sure that all the rubles go where they need to go, that these are actually the construction of playgrounds, yes there, and not some kind of corruption schemes, but it’s another thing when... here we are, private people, they’ll just be completely watching us too , where did we

pay 20 kopecks, i just know the answer to this question, but i would like to hear it from you, you will explain and even now i will first have a question to a question, and then the answer, and the next question is, what is someone then he experiences illusions that with non-cash payments no control at all? yes, this is it, this is my answer, i know it, i mean yes, i just know, i just know how accurate the central bank is and which ones. i won’t upset everyone now, i just know what amounts, as a person who has worked in the banking sector for decades, i just know what amounts the central bank can control, yes, because it can and controls - these are different things, we and you.

space, this concerns not only payments, any kind, you conducted telecom operators, there are a lot of other things, yes, that’s it, the trace remains, then, in fact, this is the question, what control and supervision procedures 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 once again, it does not change with us and should not change, because well, we really think so, these are the same procedures that work for us with biznal, and similar procedures should work with the digital ruble, because once again. logic, if we proceed from the topic of combined properties, then the property of electronic payment, which the digital ruble will have, is what the digital ruble will have ruble, in this regard it 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

to open a wallet in the digital ruble and make payments in a digital ruble a person can do it through anyone. 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, that is, you are not acting as a retail agent, we are in no way we act as a retail agent, once again, this is not our mission, and we don’t see ourselves here and don’t 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 have provided a commission there, by the way they have already approved the minimum, by the way, what is it about... i asked businessmen, well, for the last 15 years , for sure, yes there is 0.3% and against 1.8.2%, which is now, well, that is, it’s really real for business mana is heavenly, so if you look at the fact, then again, you’re like mikhail, for example, you go to bank x, you have accounts there, loans, cards, and so on, you

say, and i also want to open a digital wallet in digital rubles on the bank of russia platform, your bank via mobile.

that is, these are exclusively means of payment, so we just believe, you very correctly said, that banks will begin to compete more, deposit rates, we expect, will be more interesting, and higher, yes, and the products and services that they should offer you , and there will be limits too, yes, absolutely, in fact, just an example of sbp showed us that when we

add elements like these that increase competition, it is definitely better for the consumer. olga, our audience will not forgive me 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 are your plans for the future? then i’ll say about the digital ruble, because indeed, last year we started a pilot with twelve banks with real clients, and of course, since we ourselves created the infrastructure, this is important, we they themselves made it with their own resources, the main... backbone is the it of the central bank, in fact there are major technical improvements between us and the banks to ensure the ability to log in through the banks’ mobile applications and how... 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 not a large number of operations, why did we need to debug all the nuances, this is

extremely important, we are now convinced that everything works for us functional, just like us we want, from the client’s point of view, it’s fast, and this is very important, that is, we compare ourselves naturally 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. 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 citizens and businesses that in these twelve banks will be able to connect to the digital ruble project, where to sign up and we will expand it tenfold , wait for news from us, we will soon say more precisely, and this will be literally within 2 months of the next, according to your estimates, plans, when will the digital ruble, what is it called? for everyone, you know, we are not in a hurry, but we are not late for anything, so i think that 26 is already such a full-scale

story, banks are joining in groups, and we also built this work absolutely consciously, here is our second group there are already 20 banks, they are now passing all technical tests with the platform, and i think that they will be connected by the end of the year, next there will be a third group, and in the twenty-sixth year i believe that yes, the majority. this year, let's live this year right now. great. thank you, olga, this was the easy money podcast, i’m its host, mikhail khanov, today we dealt with national payment systems, with means of payment, with new technologies behind which is the central bank of the russian federation. you can find all episodes of the easy money podcast on the channel one website.

hello, this is a psyche podcast, today we will talk about how to build a life, be happy, even in the situation when , well, let’s say, sexualized violence happened...

happened, let’s tell, we’ll probably talk about what’s been stopping us from that moment from asking for the details of what life is like for you talk about what difficulties arose in your personal life. and how did you try to deal with the consequences of this terrible experience? well , first of all, it’s a feeling of some kind of guilt , it’s just that it’s probably still going on, although i’ve already worked through it for myself i explained, i listened to a lot of videos, i talked to people, there was a feeling of such guilt that i was wrong, it was my own fault. that this happened to me, it was as if some heavy blanket or coat was thrown over me, or something was smeared with some kind of paint, that i

had no right to approach society, then there was a consequence, well, it happened in childhood, that is, there kindergarten, school, and then, when there was already a music school, in principle, somehow i could get closer to... i wrote musical dictations in solfa, everyone writes there for 10-15 minutes, i write for a few seconds, less than a minute of me, if more minutes, i’m bad, less than minutes, i quickly ask, due to this i somehow get company.

i noticed and the girls consulted there and came up to help, but for example, the general girls didn’t take me to some parties and i wasn’t interested, i didn’t understand where i needed to be happy, where i needed to do what, somehow i was also withdrawn, and seeing how can people, for example, communicate without a topic, that is, sit down...

i immediately want to run very quickly , hide in a corner, hug and sit like that, now, what would you like to change? well, firstly, to change my attitude, to now, maybe some water, no, now my attitude towards people, in general about... that it seems to me that i’m still at that age, it pops up, regardless, you are still in danger from the place, it’s somehow, well , uncomfortable, terrible, because even due to my age, i can’t, say, cry without consequences, it’s a surge in pressure, my hands start sweating, it’s uncomfortable for me, and this is stupid, because adults they...

well, they’re not so whiny, i’d also like firstly, i have three children, two girls, and i really wanted in my children, girls, firstly, to protect them from this strange world, which can be kind, or can turn out so wrong that god forbid , so i can see that i have children now, they are already grown up, i have 30-year-old girls. and the younger ones are 19 very, so i just yesterday had an agreement that mom, you’re raising us wrong in general, you’re not traumatized yourself, and you’re traumatizing us by the fact that you talk about sex very very much with it’s too early for us, i say, well, it’s better earlier than, well, what do i have to do with it all in a very veiled way, as it seemed to me, i conveyed to the children that if you feel something wrong, just yell

and drive.

a lot, when i’m a child, i can’t do anything, when i’m an adult, i can do a lot, and we can restructure our perception of reality, that’s what you’re talking about, the main consequence is the loss of the security of the world, that the world somehow all unsafe, but at the same time you seem to even think that it’s wonderful that you are children in this we were brought up in a certain system that was a little different, but it was such an effort on oneself, it was such a constant anxiety. so when you talk about meeting men, it’s as if you don’t see safe men, that is, you understand, not everyone needs to go to a hotel right away, it sounds strange at 20, at 30 at 40, well, that’s it just a certain type of man with whom, in general, in

theory, you don’t need to contact, but i attract, it seems to me, there were even some moments that made me feel like i was i’m wearing the image of some kind of victim on myself, someone , a certain type of man, sees this for some reason in the form of sweat, is she really there , right? 30 people can approach you, you see, we are, there are 7 billion of us, yes, a man constantly walks past you, you are a very bright woman, you constantly communicate, but, but we send some signals, if a man approaches you well, it’s like, here he is, well, outside of this guy, he behaves differently, he looks different, it’s as if he doesn’t exist for you,

the consequences of this trauma that i’m very i know well what it looks like, and that’s why my psyche does everything, yes, well, the predator needs to be singled out, so i highlight him, our psyche doesn’t care, and therefore it’s very important to start by shifting the filters, that the world is in general it’s safe, but as adults we can do this with ourselves. the old choir and take our favorite lam major, we don’t have much nostalgia, because it seems to me that we live in such an atmosphere, for me it’s something special, to be in russia for the first time in my life. people go to paris not only

fashion models, but also film directors. this is a very ancient method of telling parables, writing fables, so the content of my paintings obviously has not changed. i was amazed that in the death certificate of this person, the last phrase: blood type zero. a very sharp turn onto the bridge, where the teytuka river was, it was as big as... a cannon shot. motador is on first tomorrow. in the new season on the first. a woman is killed and we are talking about the devil and our hearts are not broken. do you know how it breaks? so only the shoulder gives and the elbow pulls. okay, let's think about it. let's say you're a mole, you're wanted. there are targets for you in all parts of the soviet union. no matter how good your preparation is, sooner or later you

will still be identified, and this is a mortal danger, or you have a second very well thought out option of escaping abroad, well , of course, i would run in, what will choose the moles, that’s the question, be careful, i am always careful, major, find the head of security, have him immediately report to the control room, and mobilize all our personnel. everyone you can, full version flies to hell, the man was a stutterer, suddenly he speaks like cecerone, i really hope that you don’t have to blame yourself for not wanting to help us, you are a very good shooter, hello, colonel kostenko,

this is a psychic podcast, and today we are talking about sexualized violence and its victims, there is such a very good technique, yes, when anxiety begins to grow, you have a wonderful niche where you are a queen, i can’t say it any other way, well, just a queen, but not a queen , but at least he feels confident.

from that person who is mentally ill, that this is not mine, i’m not responsible for it, it was such a funny, stupid experience, these are the problems of that person, you know why, why i intervene, you know, tatyana, when i read the monograph one american psychotherapist who just worked with such women, what struck me was that when they all talked about themselves, they spoke in exactly the same words: with a discount on the translation that

elena said today: i’m dirty, i’m unworthy, i’m not i deserve a relationship, i don't deserve communication neither with boys nor with girls, i'm not normal, and i don't fit into this world, yes, that is, i'm not like that, i'm bad, i'm guilty, i'm dirty, i'm guilty, here's this little child against whom a crime is happening, remains... with the feeling that he is to blame, so now these words of yours were simply priceless for me, as i understand it, elena took a step, yes, i worked a lot on this so that. this is how someone should really help a woman rethink this experience , remove from herself this disgusting monstrous feeling of guilt for something that you, of course, did not do guilty. in general, it is desirable for outside specialists to help, maybe psychologists,

i don’t know, if this is a religious family, but people there are included in the religious community, some consultants, some friends, why? they say, they don’t tell adult women about this at all, because here the thing arises, how many children talk about this, not this feeling that i’m dirty, it’s my fault, this happened to me through my fault, and this position is correct, that i’m testifying to what happened to me, i am a witness to in this process, and i may not even be a victim witness, but in no way an active participant in all this, why is this happening? you said correctly, this is a transmental problem, it is not only for our society, it is, in general, in principle , the experience of a person who has experienced trauma, because this trauma, it splits our psyche for us, we can no longer communicate normally with people, and any trauma we let’s take it now, but there is post-traumatic stress of any spectrum, and some other, i don’t understand what’s wrong

me, and my loved ones, they are the most strangers, wow, why, because i changed, but they remained the same, that is, imagine a child , here he is... on the street, yes, he comes home, and everything is there well, they also communicate with him there, this is a muteness that occurs for a very long time, it’s just not easy, there the mouth does not form to pronounce these words, even though we take some very loving, accepting, caring parents before react, i once complained, to whom did you complain, to your mother in the morning and you said what happened to you, yes it did, because i had a lot of pain in some places and... and my mother hit me very hard on the cheeks, and i realized that i would never talk about this again, thank you for what i want about this with my relationship with my mother, she is now 80 years old, she is in italy, i have a sister, we are 10 and a half years apart, i became

a mother, i taught her to walk, all sorts of diapers, bottles, i raised her, basically she doesn’t know what happened to me . i never talked about it while it was happening, i thought there was no need to talk about it, that’s what i’m talking about at all i started talking only after i was 30 years old, i didn’t tell anyone, i think that well, i think it’s great happiness, yes, that elena, in principle , started talking about it, because many women don’t allow it, why should we talk, because you know, we when we live alone with this whole huge drama, it’s essentially a frightened child in a dark room who doesn’t see a way out, and as soon as we talk about it... we start talking about it, you know, we turned on the light in the room, immediately it all begins to be perceived differently, there is also immediate support, that is, because it seems to us that this is my unique case, this has never happened to anyone else, so i’m sure when you talked about the girls in the class, and after one, that’s just in my experience, yes, this is something to some

extent, maybe not so often, but something happened there from relatives, there just on the street, and therefore from elders. it’s thanks to what they started saying that this will be restored, in our generation it’s just like the norm of some kind of behavior like this, tatyana, look, if this happened, for example, to a teenage child, and where should the teenager go, to the school psychologist, to the mother, well, first of all, the children are afraid, these girls are afraid. what will a mother or a psychologist say: you put on a short skirt, but here’s a common formula, went where there was no need to go, for example, another fear, i know it for sure from the cases that i read, the information leaks, yeah.