83% and we predict growth for the next 2-3 years, that is, i think that in 5 years at this rate we will definitely reach the figure of 93-95 percent of payments in non-cash form, well , you know, i’m judging by myself, sorry why interrupt, i was just trying to 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.

then the uniqueness of our citizens lies in the fact that business is that we are very adaptive and in general we in fact, they are very loyal to innovations and 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, what are they prescribed , and i also know these countries, so of course we looked. in 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 you don’t even think at all, it doesn’t matter what tariff you have, big or small or zero, when, which bank, this is the property of cash, which is in non-cash forms in one form or another, but it still has some restrictions, it is absent, let's put it mildly, yes, we just understood, in fact, other regulators came to the same thing, we came to this. time, maybe, i

mean country by country, someone else is moving towards this, but in principle the main point is to leave the person to retain this opportunity to choose, but you no longer have cash for fact in your paper wallet, yes you can say, but you will have digital cash in your digital understand, excuse me for blocking that the digital ruble is an alternative, this is not another non-cash ruble, but this is an alternative to cash due to the absence of restrictions that stand on our non-cash money in a specific... this is a combination, mikhail, i would say that this is a combination, this is a property of cash, exactly as you said, plus, if we talk about how payments are made, then of course they are closer to electronic money here , that is, right here the second property is non-cash, i said the original idea by birth, it was going yes, and we certainly want you, mikhail , honestly, when you are somewhere, so that you can, well, do you want to pay somehow we drink from some bank there, so pay, do you want it? pay for zero and

don’t even think about what your balance limit or something else is, you paid from your digital wallet in digital rubles, you know what objections from ordinary people, and now it’s zero, okay, and then, who cares? everything is coming, and then the central bank introduces a commission, we are all already accustomed to using it, then they introduce a commission we will all be forced to pay, this is the first remark, the second remark is where i started, this is where i think you should have. to 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 a straw ruble, guys, you absolutely climb into our clearing and become a full-fledged player who and makes payments, without covering it up with any technologies, yes, a universal qr code or sbp, you state directly 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, yes, great, for you this cost is practically zero, but what are we going to do, commercial banks, we are the ones who act 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 a regulator can issue it, and objectively, even if there were one...

even for our services for participants, as a rule, we lower them over time, but because we understand that, in fact, yes, some then we incur costs, of course, there are some small ones... the commissions that we take or took from participants in the financial market, they are precisely needed so that on a long horizon, not on a short one, this is important, on a long horizon , 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 of sbp up to 100,000 and the digital ruble now, it is precisely based on the fact that once again, for us now payments, as you rightly said, are no longer what i want to use , i want... 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 business rates when it is accepts non-cash payments, here, as

i said, why it is 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. commercial players, because the commercial player is directly interested in ensuring that tariffs are, preferably high, so that in fact the maximum profit is 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 the european union, when it published its

report on the digital euro, other 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 for the region and so on, and there, yes, please, make sure that all the rubles go where they need to, that these are actually the construction of children’s playgrounds, and not some kind of corruption schemes, but it’s another matter when we, private people, are for we will simply also be completely monitored where we go why did they pay 20 kopecks, i just know the answer to this question, but i would like to hear it from you. even now, i will first have a question to answer a question, and then an answer, and the question is the following: does anyone have the illusion that there is no control at all with non-cash payments? yes, this is it, this is my answer, i know it, i mean yes, i just know, i just know how much the central bank is and what, 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... the answer is, as soon as you enter the electronic space, this applies not only to payments, any kind, you conducted telecom operators, there are a lot of other things, yes, that’s it, the trace remains, then it’s really a question of what procedures control in general, supervision exists, who is in charge of 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 the same procedures that we work with non-cash transactions, so the procedures should be similar. work with the digital ruble, because once again, logic, if we proceed from the topic of combined properties, then the properties of electronic payment, which the digital ruble will have, and the digital ruble has, are in this regard similar to non-cash payments , therefore, 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 do payments in digital ruble. a person can through any mobile application of the bank where he has an account, that is, we preserve the habit of working with each other for the bank and the person, well, because it has already been formed, that is, you are not acting as a retail agent, we are not acting in any way 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 the point of view of business there we have provided for a commission. by the way, they have already approved the minimum, by the way, what the business asked us about, well, for the last 15 years , for sure, well, the cost allows, yes there is 0.3%, and against there 1.8.2%, which is now according to the card, that is this... it’s literally mana from heaven for business, so if you look at the fact, then again, you, like mikhail, for example, go to bank x, you have accounts there, loans, cards, and so on, you say, and i still i want to open a digital wallet in digital rubles on the bank of russia platform, your bank through the mobile application is the same one with which you have already grown together, and you love it, you like it, finds, you find an option in this mobile application of the bank x to 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 on

your digital wallet in digital rubles, this is exclusively your diocese, that is, we will set a limit of 300,000 per month from a non-cash account, well, just to really really and banks could manage liquidity, and we could forecast, i i think that this is important for the liquidity of banks, but, for example, when you have 300,000 digital rubles in your wallet, then your mother or daughter or wife transferred another 2000, someone else 500, that’s the whole amount that you have in your digital 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 facto , i’ll tell you now, well, you’re probably already using with this explanation, you can also answer the question, i am now playing on your side, that by doing so you are pushing the banks. reduce commissions and be more mobile, more flexible in relation to their non-cash, your

funds in their accounts, and give you the best offers to compare with digital currency, too, and despite the fact that per wallet, per balance in the wallet, in digital we will not charge any interest in rubles, that is , this is exclusively a means of payment, so we just think that you are very correct they said that banks will begin to compete more on deposit rates. we expect they will be more interesting, yes , higher, yes, and the products and services that they have to offer you, and the limits will also be higher, yes absolutely, in fact, just the example of sbp showed us that when we supplement such elements that increase competition, this 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 the plans for the near future, well, i’ll probably say about the digital ruble then, because

indeed, last year we started a pilot with twelve banks with real clients, of course, since we created the infrastructure ourselves, this is important, we made it ourselves with our 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 just ensure the opportunity to enter. through mobile applications of banks, and just these 12 banks that entered into real operations with us, they are with us we went through this journey so far on a very small number of clients and a small number of operations, why we needed to debug all the nuances, this is extremely important, we are now convinced that everything works functionally for us, exactly the way 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, like... which should work there for a few seconds, no more, preferably in general 1-2 seconds , we are here too

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 it is recorded and we will expand it tenfold, wait for news from us, we will soon say more precisely, and this will be literally within the next two months, according to your estimates. plans when the digital ruble, as they say, will be for everyone, you know, 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 connecting in groups, and we also built this work absolutely consciously, here is the second group, we already have 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, then there will be a third group and... and the twenty-sixth year, i believe that yes, most banks will already be able to give cpc to clients, a universal qr code, this year,

right now, we’ll live, this year, this year, great, thank you, olga, this was a podcast easy money, i'm its host, mikhail khanov, today we dealt with national payment systems, payment methods, new technologies behind which the central bank of the russian federation stands, all episodes of the easy money podcast can be found on the website of the first channel. larisa guzeeva, let's get married, good afternoon, today the brides are alisa, marusya and diana, and our groom is igor. igor, 33 years old, founder of the all-russian society for the development of automobile culture, organizer of automobile festivals, is proud ability to think creatively, dreams of opening an educational center for youth,

admits that he is not witty enough, they warn that he has a tattoo on his body with the image of another woman. igor doubted that he had a serious relationship with his beloved when she decided to celebrate her birthday without him. igor avoids women with the inclinations of feminism and does not tolerate a showdown in the presence of strangers. his ideal is a creative, well-read woman, the owner of thick hair, a neat nose, intelligent relatives and good genes. hello. hello. like a good boy, he looks good, no, but he’s no longer a boy, he’s kind of old enough, but at the same time he looks young, tell me, you’re a good guy, handsome, from a good family, educated, you have all sorts of schools and so on, why didn’t you come to your girlfriend’s court, why didn’t she invite you to her birthday, she was embarrassed or something, maybe i’m not

as perfect as i seem at first glance, well, not filthy, not the vilest, we’re worse ...

there are special courses where they are told that you must motivate your man, let ’s say he maintains or is the founder of some club of car enthusiasts, yes, and you want him to become the president of some kind, well, for example , airlines, you have to motivate him for this, she crosses out all your past present, buys you blown airplanes and so on and pushes her or not, now they are being pumped up like that, it seems to me that a woman should motivate a man. turn support and no, she doesn’t owe you at all, she’s in yours the male appearance should not interfere, i’m being ironic, this is not igor’s case, because he specifically wrote in the questionnaire that if a woman is unproductive in his life and does not inspire, he removes this woman from his life . innovation is very important, it seems to me that i should look at admire the girl, be inspired so

that she can do something for her sake, that is, this, and if she wakes up, she says, “i want you to be a leader.” or not, i’m taking pictures, yes, here she is lying with you looking at this portrait, how does she like it? well, this is probably not very pleasant, but here’s the question that at one time, well, i had this situation, this person influenced my perception, including women, showed me what

i would like to have next to me, well, to be honest, i have a question about the tattoo another woman on the body, because... the girl is dying, and you are in intensive care, yes, yes, how many years ago did this happen, but there will still be some situation when you, for example, remove this portrait if i have a child if i am with my wife. i’ll come to what i need, yes, how can i do it, and i i’ll think about it, you admit, if a girl hits her ex, well, it depends on what she puts into it, i ’m calm about tattoos and... and if these things mean a lot to him, he wants to keep it in himself as much as possible longer, but he needs to understand that anyone, absolutely any

normal girl will not like this. igor, i read in your profile that you are a terrible faultfinder, and that it is very difficult to please you even externally, and you rarely like anyone, the girl must match some of your image, either to herself or in no case, no, she must be with herself. it seems to me that in general in our life i have seen a lot - unhappy, i see happy relationships, yes, sometimes there are such relationships around, but this is very rare, there are a lot of unhappy relationships, it seems to me that they are a consequence of the fact that people initially do not care of the end they come up to each other and just put up with some, why did you put up with insults addressed to you and your friends, here are the girls, she called them morons, some kind of nonentities, idiots, well, for me, probably this was a big mistake, but at some point... it seemed to me that i had found something that i had lost a long time ago, probably these were some kind of psychological blocks of mine, well, they worked there, you like complex people, girls

are complex, yes, of course, it’s interesting when a person is engaged in something, gets carried away, purposefully goes towards something, does not waste his life, but loves something, her character was so difficult, yes, but it seems to me that if with there is some kind of person.

i'm alice, it's very nice to meet you, let's build our route, what a voice, alice, 23 year, a singer, is proud to be an honored artist of the chechen republic, dreams of opening a vocal studio and becoming the minister of culture, admits that she is prone to emotional purchases, warns that she is ready to enter into intimacy with a man only after marriage. alice accepted the courtship of an adult man for a year. as soon as she realized that she had fallen in love, she found out that the gentleman was married, hoping that igor would turn out to be a decent man. hello, hello, here's

the lady. well, i’ll tell you right away, i don’t like her. i don't like this style of clothing that’s why my initial first impression of clothes is that i don’t wear this, i don’t like this, i don’t understand this. for what merits did you become an honored artist? in general, i sing in different languages, i get to know different cultures. i write songs myself, and it so happened that i started this activity on the internet, and now i was noticed in the chechen republic, the first ones so happened that they celebrated this with an award, you have a certificate, i have a passport, and an honored artist at the age of 19, the novel that you studied there, no, and the accent in general, probably it’s not because he wasn’t free, it’s because...

he would say, listen, well, it’s not all serious, give it to me, after all, you’re a woman, stay at home, with him, well naturally, we would live together, yes, that is, i had to then that he was married, at some point i began to understand that the person was not free, that he was losing contact, that he was not writing to me, and some calls were incomprehensible and in general, this is a very unpleasant story, but you had no idea, no, and how did you find out? it scared

me right away, it became a reason for a breakup or did the relationship drag on later? the very first reason was that the person didn’t take me seriously as a creative person; in the end, she dated a man for a year, didn’t understand that he was married, it seems to me that this was simply said so that, given that she needed money for some development, perhaps she didn’t want to notice it, but you made money with your creativity, of course i make money, and i will continue to do so. necessarily, so as a result, after all, a ban on creativity, but it became the reason that you broke up, it was very surprising, because a man of such rather modern views, in the end this even very strong conservatism came into play, well , you provoked him after all, so that your relationship would reach another level, for example, so that he would get a divorce and marry you, no , this didn’t happen, well, there was a story with

a ring, but do you remember it? they sent a ring and said, look, with someone else, tell me differently, very clean, courteous, seemingly cheerful, looked after him very, very well and everything, everything, everything was there, but he could, for example, there for some little thing, start judging me , scolding me, what am i doing wrong, for example, there i sang some song about a freedom-loving girl, and he sent me this letter, saying that this is impossible, it’s bad, well, it’s very complicated, was, with a ring, yes, this is also the same story: i sent the ring, he didn’t like it, and he himself sort of decided to come to me, when i flew with my mother on vacation, he decided to come there, bought what he himself wanted , uh, he rented a yacht, and was waiting for me, and wanted to make an offer, i didn’t expect this at all, and of course, be careful

refused.

yes, for some reason it seems in your eyes, it’s not true, you dated a man for a year, and you didn’t have chaste sex, no, and they gave you diamonds on a yacht, they invited you to rent a yacht, and there was nothing between you, the fact is that, uh, this is not my initiative was to be given something, to be presented with something, in exchange for something, the feelings were just sincere, i liked to go somewhere with this person, i... understood that everything was fine with him is going towards something serious, but the initiative should come from me, but as you said, no, until i get married, don’t even change, they agreed, accepted, everyone, no, we won’t wait, and each of them already said, everything will be soon, let’s get married soon, that’s it, now you won’t sleep until the wedding either, i don’t want yes, mendelssohnchik, please tell me, is this chastity before marriage actually

a relic of the past? or is it real? well, i’m interested in just asking him. sex after marriage was the first time in their lives for only 11% of russian women surveyed, while 5% said that before marriage they had from 21 to 50 men. no, i understand that everyone who is not first is second to us. show me the surprise, please, let’s say, theoretically, she will find someone who will agree before the wedding. they get married, they have their wedding night and there is a discrepancy, in many respects, there are connections, discrepancies that cannot be corrected, for the sake of songs you can be patient, oh, you are a wide steppe,

here... a distended naryn.

oh, mother volga is free,

she’s great! not great, i don’t argue, very patriotic, i just need another man, in in general, damn it, i’ve never seen anything like this, but it’s very cool, it’s really real, very beautiful, we really had a blast, she’s a very talented girl, i wish her in any case that she will be able to develop further, i hope , that this particular program will also give her some help, well, on the first channel, of course , to prove herself like that is not yes, but very cool , thank you, don’t consider it as a quality.

it’s very cool that a person has principles, she has willpower, she has principles, she has talent, that’s all, we don’t have to discuss anything further, meet the second bride, come. hello, my name is marusya, i’m a tv presenter, i actually ran away from my live broadcast today for you, so let’s get to know each other, since this is the case, hello, it’s very nice, thank you, marusya is 24 years old, presenter

of an author’s program on television, master’s teacher classes in journalism, dreams of earning money for an expensive car, is proud of the fact that she won a grant to study in another country, admits that she is the daughter of wealthy parents. warns that always listens to his father's opinion. marusya decided to break up with her lover after she realized that for him she was just a pill for his past love, hoping that igor had broken with the past. hello, hello, she’s interesting, she’s interesting, she has nice lips like a bow, but i don’t know, it’s considered a break with the past, the fact that he has a portrait of his former lover on his chest. i can speak directly, i can speak directly. i have questions, to be honest, for me this is not a very normal story, i have i myself have four tattoos, they all mean something, but i would be uncomfortable dating a person or entering into even a simple relationship, i’m not talking about marriage, if he has his ex-

girlfriend tattooed on his chest, honestly for me this is not very normal , i understand you, this doesn’t surprise me, it’s normal, you know, when a portrait of your mother is on the whole body, it’s even scarier, so by the way, she directly came to him with a complaint, in a new relationship, it doesn’t matter whether the relationship is serious or frivolous, no matter what he calls it, he talks about an ex-girlfriend, the ex-girlfriend calls him, he begins to tell him what problems they had, because of what, she has never been an ex-girlfriend, you know, yes, to a psychologist, ex-psychologist, programs, no, it’s a matter of me i’m not a fan of psychologists, but my ex-boyfriend, and he went to a psychologist, this psychologist was his ex’s girlfriend, that is, to what extent...

i’ll tell you straight, i didn’t love him, i did very badly, i jumped from a previous relationship into new, trying to forget the past of the young man, and he tried from a previous relationship forget mine, but i forgot, what kind of scandals were you making in the bar, screaming, yelling, and there is a video, in fact it was a very unpleasant story, we went once to his friend’s birthday, if i’m not mistaken, it was the day birth, and he tried to introduce his friend to my friend, a completely healthy situation, i called my friend, she blew herself up, came, i think, well, now we’ll bring him together, it will be beautiful, the two couples are friends with each other, as a result, this friend, he just stood on the sidelines, he didn’t do anything, he was kind of uptight, he just looked, and my ex the young man began to actively pester my friend, my friend began to provoke him, and going out with me on the street, saying, if he comes to me... like that, you understand that i provoked you, what is

he doing himself in the club , and she continues to be your friend, she continues to be my friend, but despite the fact that she told me that she provoked, i made a decision for myself not to meet her anymore with my new young people, but she seems to have character girl, well, you can see right away same, but she is so vulnerable, then he left for bali, yes, yes, he took tickets, said that he needed to reboot and flew off to rest . i’m on probation for a month, at that moment i was doing his work here to rest, well done, what about work, i was a complete fool, marusya, by the way, marusya is a pseudonym or according to my passport, according to my passport i’m maria, yes, and what did you find , when he returned, i discovered the betrayal, i realized that the person cheated, cheated more than once, but in your relationship, yes, i just got up in the morning, took my things and left, the man didn’t help me returned, didn’t call, didn’t write anything, so... i think everyone understood that this story was over and i didn’t get in touch in any way, i

deleted the person everywhere, blocked everything, and you warn that you won’t get back together with the men until they get away, keep this in mind, and if you don’t propose within six months, marusya will leave, uh-huh, timing, that is, you need to find out in six months, she also warns that the groom also needs to know in advance that she is allergic to all flowers, except... there are large quantities of roses and peonies here, please warns that she cares very much about her health, every month and a half she goes to the doctor, to a therapist, to different doctors, well , to a therapist, then in the direction, in principle, because i have a schedule, that she is a daddy’s daughter, while dad will not give consent, nothing will actually happen, how wealthy are your parents, you live in moscow, in moscow, yes, that’s enough, you live with your parents or a separate apartment, and at one time i lived alone in a rented apartment, i rented half-and-half with my dad, i'm talking about this right away, now

i moved in with my parents for a couple of months due to the fact that they are constantly flying, i need to sit with the pets, we can’t leave the dog alone, so soon i’m planning again in a different place, i didn’t like the location there, rent an apartment , because i need it, i’m not little anymore, and i needed to leave my parents earlier, in fact, i did it quite late, and parental care is theirs, i think that for a girl, until she gets married, it’s possible. .. we need to write them down, please move away

so, in short, now the plan is this, if they interfere, now the text is launched, whoever managed to read it, let me write, good, good, super, this is so that he understands in advance, the tv presenter is imbued with supplied cooking, cleaning, washing, understood , how difficult it is, there is good news on the air, good afternoon, we are happy to inform you that the let’s get married program has returned to the screens of our country, i can’t do this. charismatic larisa guzeeva again helps lonely women and men find their love, and you have good diction, don’t imitate the frost, she’s already testing the brought treats are scanned by the groom with his peeping eyes.

hello, my name is diana, i was invited here a long time ago, the first time was 5 years ago, i agreed only now, i hope it’s not in vain, hello, very nice. a fourth-year student at the faculty of international business, loves italian cuisine and is a fan of cska, dreams of learning to pilot a light aircraft, admits that all her tattoos have a deep meaning, and warns that she will not allow her lover to drive a car faster than 100 km/h. to to take a break from the constant pressure from

her lover, diana had a friendly meeting with her ex-boyfriend, but instead of a reboot she got big problems, she hopes that igor will understand her. hello, hello, they, in short, two heartbreakers came out to different people, guess who, they are really similar, they are similar, they are similar to each other, you were also looking for your pill from suffering, yes, to somehow recover from your ex, and what happened , new man in your relationship, no? i was in a relationship, then something happened moments that stressed me so much that i didn’t find any other choice, a way out, and just bought a plane ticket - with my ex, flew to my home in sevastopol and spent it there with him...