well, but nevertheless, it is often very effective, yes, paradoxically, if there is such a large, look, macro-philosophical context, yes, that is, it is clear that well , if we look through, say, religious and philosophical glasses, then any such aspirations, they will ultimately stumble upon the imperfection of human nature and its fallen state from a christian point of view, yes, that is, we understand that this is an unattainable ideal, all the same, yes, which... we have a certain teaching about means the transformation of man is pre-christian teaching and christian worldview and from this point i did not try to say yes. this is what

transforms a person, i’m a little afraid of the teachings about society about the possibility of changing, transforming this society, within the framework of certain given ethical systems, as if pulling people under these, well, as if created by someone, ethical systems, which are partly rational, partly irrational, it will create all the morality, some other benefit, well, some kind of combination, why , because i’ll return to mars a little, this is important, this will be the answer to this question, because in the time of marx it was very tough. the dispute between communists and socialists, it consisted in the fact that the communists said that it was necessary to destroy capitalism and immediately build communism, that is, the city of the sun, and the socialists, therefore, seemed to be against this, that is, these were different views in general on the development of society , and marx, as it were , reconciled them, he said that after capitalism, communism cannot be built, because man is dilapidated, he is not ready, he is still a wolf, as if yes, he will be a wolf, yes, so we need to build socialism, socialism - this is changing relationships and changing a person.

there is already a beautiful one, that’s right, like the same socialism, relatively speaking, yes, but people are not ready for it, they are too shabby, yes, here an element of violence appears, which gradually develops there, which means in the harsh into terror there and so further, and today we have gathered our thoughts about capitalism and its current state, as well as what we can do about all this, ilya kuzmenkov, sergei ivanov, i am vladimir ligoida, let’s continue, and if we return a little bit to still here... topic capitalist, correct me if i’m wrong, after all, there is such a thing as competition, it is fundamental, but for these free market relations, competition, it is actually an incentive for growth and so on, that ’s how much for that system, and for that , well , let it not be the system of how you want to see it built and, as you wonderfully said, we need to move somewhere, for the country in which we want to move, it poses risks, it is more a risk or an opportunity, but in what what are the risks then? we

we can’t refuse it, or can we? this is an interesting question - because competition can be different. do boxers compete with each other? how else? what's the point of knocking out so that everything human leaves the enemy? here is a competition, a boxing match, a duel maybe there are wrestlers , samba wrestlers, but there is already something else, there are already pain points, there, well, as if the rules of competition are structured differently, chess players also compete, that is, the very concept of competition and, well, a modern interpretation. but rather boxing to destroy, probably even tougher than boxing, yes, these are more like fights without rules, and here the question is interesting, that’s it, if we start from the fact that our life energy is nourished by our cultural cat, yes, that’s who we are, even the word empathy, when we pronounce it, doesn’t mean anything to us at all, it’s someone else’s, yes, it’s not ours, well , to be honest, i don’t like it, of course, but if we add, and if we say about that, what we mean is the prefix with, yes, here with, which almost every verb does here,

empathy, compassion, when i feel the pain of another as my own, this is part of ours, our national trait, such people are not competitive in competition, because they... push them to the sidelines, because they are fighting over their throats they don’t want to bite into intrigues there, they will go aside, and aleksandrich auzan did a study, he counted 75% of them among us. he says, we have two hearts, collective russia and individual russia, these are collective, this is what they are, it turns out that this thing is kind of controversial, three civilizations, so we try somehow among ourselves. inside, learn to think about who we are, yeah, we’re talking about the fact that, in principle , different worldviews can be divided by immanence, forgive me for this one more word, that is, naturally inherent, well, internally inherent, and greed, vanity and hedonism, so we get three groups

of worldviews, well, roughly, we use the word civilization, first, greed is the engine of progress, meaning, well, the most successful are those who have the most money in their accounts. meaning of life you can call it becoming the richest in the cemetery, well, the worldview dominates now, it, in principle , feeds this social economic idea to a greater extent. the second civilization, it does not argue with the fact that greed is the engine of progress, but it says that money in general has sacred power, money is a measure of correct service to god, and maybe even your chosenness by god, and here is the third civilization, it she attacks the greed of vanity and hedonism, and she... calls them in her own words, voluptuousness, love of money, selfishness, she says no, it is, of course, naturally inherent, but there is nothing good in it, you need to fight it, it’s mainly christianity there, it’s traditional religions, and if you let third

civilizations float freely, the third one you will always lose, they must lose some other force precisely in the competitive struggle, because they cannot do the same, and in order to give them strength and opportunities. it is necessary to create some conditions, special ones, to protect them, rules, perhaps some more formulate clear, transparent, create some conditions for them, that is, this, but, but there is vital force there, there is a lot, a lot of it, even lotman was asked who a cultured person is, and lotman, yuri mikhailovich, ours, great, outstanding compatriot, he said that we all have our own circle of pain, yes, there are people who feel pain when they are offended, when they are hurt, yes, there are people who experience pain, their family is hurt, there are relatives there, so he says: a cultured person is one who is hurt by the pain of others, that’s what you they said, you feel someone else’s pain as if it were your own, well , probably, this is generally an ideal of holiness, when it’s like your own, but when you basically feel someone else’s pain, yes, when you are in pain, because you can

experience pleasure from someone else’s pain, yes, what that’s what he needs, yes, i really don’t know how to connect all this with our topic, but of course the issue of competition in our history

is one pill, possible, as an option that can protect from this, this is the order of nikolai fedorovich fedorov , which i'm here just like a businessman, an order i perceive how to do business, not for myself, not for others, but with everyone and for everyone, well, somehow you try to fit yourself into this logic, it gives you a system of guidelines, so imagine that there is a certain young people,

areas in medicine, in education, in more traditional industries, that is, find your own business, succeed in this business, become a professional, load subject knowledge into yourself. it’s entrepreneurship, he’s already somehow oriented, no, well, in this business you can try to start and entrepreneurial, and projects, you can start right from the first year, here there are no restrictions at all today, but to find your own business, that is, well, that’s my calling, that’s what i am for i’m for society, that’s what i want, that’s what my place in society should be, well, when i’m there in 10 or 20 years, what kind of benefit should i create, what kind of social utility, this is my business, what is it around? will be built, if i have an image of this vision, or at least a thirst for searching, then i will try, try,

try and when you find it, it will feed you with energy, and form vital forces, and be such a guiding star, thank you, but i would probably formulate two things, two things, the first is, when starting to engage in entrepreneurship, keep in mind, maybe maybe it’s not even necessary to directly formulate it and write it on the wall, but to keep in mind some kind of supergoal, mission, that is, for what? not in order to earn money, not in order to become number one, there is number two, these are false goals, who decided to become number one, never number one will not become, why are you doing this, what do you want to change, there in the world for yourself, that is, to have a mission, no matter how trivial it may sound from the point of view of such textbooks, but this is really so, the second one is to remain christian under any circumstances, that is, put your christian dignity in the first place, not to drop it under any circumstances, and business takes a person through different circumstances, through different temptations and when... it goes well, when it goes badly, when there is a team around you , many temptations,

many challenges, don’t lose your christian dignity, under no circumstances, can i add about christian dignity, about metaphysics in general, we got into this topic, a year and a half ago i ended up in costa rica, same event, fate abandoned you too, too yes, also some kind of conference, i had a slide there, i wanted to end it with it, and i show this slide to the consultants, and they told me: take this slide away: why is it very indecent, it’s uncivilized, you’ll offend half the room, and generally in polite society they don’t do that, but biblical quotes , yes i’m like that, well, okay, i’ll remove it, i did a poll on my channel, it’s decent, it’s not decent, 30% of me says take it away, i’m a quote from the gospel, i’m among the believing businessmen i ask my comrades, what was the quote: seek first the kingdom of god, its truth, everything else will be added to you, i ask, can i have a 50/50 like you? well, where are you going anyway, and i still have to redo it, i’ll redo it, uh, well, in

general, i’m on a 36-hour flight, well, like someone, well, the priest has one for me blessed, says, well, it’s possible, it’s possible to redo it like this, yes, i’m going, well, put it, don’t put it, put it, somewhere in the middle of the road, yes, but won’t you call me again, well, i’m returning this slide, well and as if at the end of the speech i say, i don’t read what ’s written there, i just say the words, i say, i’m an orthodox christian, for me this is... a very important system of meanings, but it seems to me that it generally concerns everyone present, because this is the success formula of a modern creative leader, or how at least a message about something important from the past for us, how it can be translated into our modern language, look first to do something useful for others, for whom for others, for the clients of your customers and for employees, everything else, what else, business, revenue, profit, amen. thank you very much, dear friends. sergey ivanov, entrepreneur

and public figure, ilya kuzmenkov, media manager, entrepreneur. me, vladimir. today we gathered our thoughts about capitalism. well, in general, we talked about a lot, it was very interesting to me. all the best. this is the podcast easy money, me and its host mikhail khanov, today we are dealing with national payment systems, new means of payment, and most importantly, new technologies that provide all this, our guest is the first deputy chairman of the bank of russia olga nikolaevna skarobogatova, hello olga, hello mikhail, thank you very much for coming,

code, as far as here you are receiving comments from market participants that the central bank wants to become the main bank, that is, why is all this, and how we will feel in this paradigm, you know, the general attitude. why is the central bank doing this, even if one of the commercial players would have done this, well, history puts everything in its place,

and i must say that we probably answered all three questions, why is it us, why are we did they do it? what did this give us, in the situation in which we are faced, but when we talk about some other such infrastructure centralized solutions, of course, some of the participants always try to interpret that we are trying to go to commercial activities of commercial players, which is not true 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 carried out.

from commissions from banks or from financial participants, if they make payments, for participation and for connecting to this or that system, here are the tariffs themselves, there are limits on transactions or some kind of package services or cashbacks, this is established by the commercial players themselves, that is, we are like consumers are all used to it, i think that all of our viewers and listeners have used sbp at least once in their lives, everyone knows these famous colored triangles, and we won’t even name the different ones... central bank as a regulator of this platform? the commercial player sets the tariffs and limits himself, but we can, in some cases we do,

set a threshold, that is, nothing more. how much is it now? in your example, by the way, from 100. we are talking about sbp 100,000 per month for free, over 100,000, no more than 0.5, by the way, yes, now we are talking about c2c transfers, the so-called, when a person transfers to another person, in this frame over 100 thousand to 0.5, in fact, if you look, banks also set very different commissions, some 0.2, some 0.3 , someone 0.5, this is just on topic, that yes, we have established a threshold, but then, as far as the bank works with the client, it makes this decision itself, but now literally... a law was recently passed, which concerns transfers to yourself, i'm talking about 30 million that you or i can transfer within a month for free to another bank account, that is, i will repeat once again what olga said, from uz zampre dcb it was said that now c2c users themselves are castomer to castomer from english abbreviation can transfer

up to 30 million rubles without commission for free from any .

we saw the results of introducing fast payment systems when paying, that is, there are two parts, either you transfer to yourself, or to another 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, they 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, but people somehow got their bearings, now in some places it reaches 5-6 and it will be... 7 8 9 10 if nothing further is done in this regard, a person will definitely get lost and generally cease to understand what and at what moment he should pay, on the other hand, why do we want this payment service via ups via qr and not only via sbp, i’ll tell you now, that universal qr is not only a technology for sbp, let’s explain once again, a qr code is a square like this that is pasted on now, often it is pasted on, it says, for example, pay there or... with such and such a bank application or there, with such and such an application, the sbp and the qr code are different mechanisms, tools, and this is not like different tools. sbp is like a payment

infrastructure, and a qr code is a technology that will allow you to make payments both through sbp and through other payment services of banks. the universal qr code initiative comes from central bank? yes. so, let's continue. why did she leave us? and we still decided on it, although i’ll be honest, we thought for a long time, as you rightly say, it still works, but if everything works and you don’t give the opportunity to create something new, then you can very quickly become outdated, but we definitely as a country, well, we want to always be in the top three in innovation and payments and generally take first place, even there it’s not second to third, that’s why it appeared, so we just realized what needs to be developed technologically. start qr when a person doesn’t think how to pay him, or a payment instrument like a bank to pay him - deciphers yes,

that is, how it will look there for you and me as a consumer, we come from the consumer, we come from the consumer, and you come in , for example, in some store, you have one sticker with a qr code, or it is generated dynamically on the terminal, there are different technologies, but it doesn’t even matter what with a simple one, yes, here’s one sticker pasted. stickers, well, the sticker is right here, actually, someone should fill in the amount that i have to pay for goods, if it is a fixed sticker, it is not dynamic, of course there is interaction with the cash terminal, yes, but if we simplify it, then the person simply points his phone at the qr code, he chooses not only which tool to pay himself, but the key word here is himself , but he is not forced, yes, that is , he can pay, as i said from the bp, or he can pay with a payment order from some bank...

i paraphrased a little for myself, before it was a five-year plan for 3 years, it always sounds like that to me like a five-year plan in a year, that’s basically it honestly, with a good organization of inspiration and the correct structure of the project , even the most complex projects can be done from scratch in a year, in terms of qara - this is less time, it took us, it took us about four months, you are the person who manages these projects ? b actually creates them there, well, almost from scratch by hand, c compiles them together and at the same time looks at how they fit into

existing realities, attention to the question: 10 years pass, people, as you think, will do you use cards more often when paying for goods and services, or a universal qr code? i think in 5 years people will use qr codes and digital rubles. hello, this is news from the first, studio maria vasilyeva and at the beginning of the issue, briefly about the main topics: the assassination attempt on donald trump, he was shot at a rally in pennsylvania, the republican presidential candidate was wounded. the attacker was killed; he won’t tell why he shot. a strong beat.