yes, yes, that is, the artificial intelligence will not ask this, and the patient will not ask this question to the artificial intelligence, so this is pulling out information - this is a medical consequence and this medical consequence is like cards in a puzzle, they put together the whole picture, and even after carefully questioning and examining everything about a person, you still won’t treat him, well, unless it’s vital. situation, right now, yes, not some kind of appendicitis or something else, bleeding, then you will send the person it’s also mandatory for an examination, and you know what he needs to take and what he doesn’t need, if you just score, let’s say, abdominal pain, abdominal pain, yes, well, this artificial intelligence will give something out there, and if you describe the symptoms or suppose there is a lump in the throat, but patients often come with this symptom of a lump in the throat, they typed this symptom into the search engine.

after some time they were given the possibility that they had hypothyroidism, hypothyroidism is a disease in which a condition in which the synthesis of thyroid hormones is reduced glands, production of thyroid hormones, hypothyroidism develops, from the word hypolow thyroid gland, and there are also all the same symptoms that i listed, except for the stomach, head, weakness, well, in my opinion there is no cough there, maybe, maybe maybe he could be, there yes, a sore throat that...

constipation, constitutional syndrome, when it ’s all like this, then the stomach can hurt, so here you go, this logic, it’s still built by a human head, and an experienced head, where there is and knowledge, experience gained, many patients in the past, this picture is taking shape, so on the one hand it’s good for the doctor, he has survived a lot in detail. yes, he gets it, he grows professionally faster this way, but for the patient it’s a dump where he can find something useful in a huge pile, but everything else can be harmful, so understand whether he took what he needed, whether he went into some wrong side, and god forbid, they can also give out treatment there, and we have some drugs available that you can buy, some at recipe, self-medication begins. well, yes,

this is actually a real problem, when everyone, as we found out, has a headache, a stomach ache, and so on and so forth, the same with a neighbor, a girlfriend, and so on, and they share pills, by the way, this older generation is all over the place, little green, little blue, little red pills, and it definitely helped me, it will help you too, and for some reason no one thinks that this can even lead to very serious consequences, and to someone directly. .. take readings this, well, let's go back to this person who came with a lump in his throat and decided that he, yes, you ask questions, you understand that there is nothing related to hypothyroidism, but the person has this - an emotional state, increased anxiety, there is straight up anxiety syndrome, this is this feeling, it is not associated with an increase in the volume of the thyroid gland, or sometimes it happens... a node

that, well, on something important, there, let’s say, puts pressure, this feeling arises, this is absolutely neurological situation, sometimes you can help with this yourself situations when you are really sure that everything is connected precisely with this, sometimes you send a person to a neurologist, and there they actually make an appropriate diagnosis, prescribe the appropriate treatment, the situation ends, that’s why no matter how it seems... it’s simple, it is sometimes much more more complex and interesting, and not only that, when a doctor looks at a patient, examines him, he can find something else that doesn’t hurt at all, at all, it’s more dangerous than the lump he came with, it happens that you you start ask a person, and he is so suspicious that he immediately starts to get sick here, that’s what you ask him about, about that and how to deal with it, so when you see that a person is so suspicious, you... immediately explains that

this is not at all what you thought about, because there would be this, this, this and this, but this is nothing, so forget and don’t even think about it anymore, at the same moment the same people say, doctor, what? what should i wait for, now, what will happen next? i never program such patients, i always i say, don’t expect anything, only good things, it will be like this, like this, for some period , pay attention to this a little, here , pay attention to this, phone number, if something happens, write, don’t be afraid of anything, sometimes this phone number - it’s just like a life preserver, that’s all, a person knows that if anything happens, he has this opportunity, and he calms down, that ’s why any doctor is not yet... a little bit of a psychologist. zukhra, please tell me, what do you think, are there such areas of medicine, that’s where 100% artificial intelligence works? better than a person. of course, well, science, medical science, statistics, everything will be calculated much better there, and what’s more

, people involved in science have this peculiarity: when they believe in something, they really want the statistics to work out. in the right direction, this is where artificial intelligence is indispensable, because it doesn’t have these kind of emotional attachments, it will consider that there is probably also the production of medicines, yes, too, too, probably, artificial intelligence should help here , well, he has some options collects, well, if artificial intelligence can collect salad recipes, then why can’t it offer some options, now there’s a big problem with antibiotics, then what an antibiotic. stop working, bacteria get ahead, yes, yes, the current popular antibiotics stop working, but there are a huge number of other antibiotics that we don’t know about yet, we haven’t identified them yet, and so on, yes, we still have remedies that , i think that i hope that they will still show themselves

very, very well, well, monoconal antibodies - this is already everywhere, but bacteriophages are not everywhere yet, on the one hand they seem to have been experienced, but it seems to me that this is still an unsolved story with... everything, so he is artificial intelligence, but he can help here, bacteriophages are microorganisms that feed bacteria, these are viruses that destroy bacteria, viruses, that is, these are antibiotics on the other hand, but not antibiotics, they also fight, this is a medicine that, well, they have a kind of viral nature that feeds, let's call it that, bacteria , bacteria are often ours.

search engine - whatever one may say, it is still a help, a serious help, a serious one, but it should still be a help, someday, perhaps, yes, artificial intelligence will reach such heights that it will be able to become more effective than a doctor, well, for example, i had a dream, in such a huge space, a wall, a large one, with a large wall of a hangar, to try to... push all the relationships of hormones with each other, in the end i realized that no wall would be enough, this is a cosmic this should be the story, there are a million stars there, they are all friends with each other are interconnected, and these connections are very difficult to trace, that is, useless, but artificial intelligence will most likely be able

to hold all this information in the head to understand what affects what, how to prevent it, and so on, but the customer must still be a person , and a person is well... like a specialist, this is, first of all, of course, a doctor, there is such a whole profession, now prompt engineers, these are special people who know how to make requests to artificial intelligence in order to receive the necessary answers , this is not just like that, repeat what they are called, prompt engineers, and i didn’t know , thank you, that’s because, of course, well , you have a headache and you ask what to do, i have a headache and you get a whole ku ... rospotrebnadzor strongly dissuaded you from self-medicating during

the flu and covid epidemic, because both flu, covid, and orv have absolutely the same symptoms, you feel bad, you have a headache, you are most likely nauseous...weakness, throat, nose , there and so on and so on, but they are treated is radically opposite, and if you treat the flu the same way as covid, then... there is no effect, and in the opposite direction, despite the fact that symptomatic treatment is the same everywhere, tea with raspberries, drink a lot and lie wrapped up, in general here and there, there were people who wanted to hack the system, let’s take drugs for both the flu and covid, and that means we’ll kill two birds with one stone, but this ultimately leads to a disastrous result, because it’s not even a matter of the liver . there are some treatment regimens, they are antagonists, yes, that is, they can lead,

a weakened body, in fact, to death, of course, so, i googled myself, well , yes, you have snot, why, another one, which, unfortunately, here... more and more often in our society, well, it’s somehow decreasing, this human communication. simashka said that if after communicating with a doctor a person does not feel better, the patient does not feel better, then this is a bad doctor, and the human factor is difficult to cancel, firstly, the explanation, there is, there is a small category of patients who say: doctor, it’s okay for me don't tell me all this is scary, can i give a treatment plan and i’ll go, uh-huh, most people... ask: why is this, and why, here i have such and such a parameter highlighted in bold, here i wrote something

ultrasound specialist, could you explain to me, and by explaining, you reduce the person’s level of anxiety, moreover, you explain in what time frame, what we must achieve, how some symptoms will go away, or vice versa, we need to explain what will happen first deterioration, this also happens, and then everything will decline, when a person received these explanations, he it’s clear, well, sort of... such a road map has been formed, he perceives this whole situation completely differently, in general he will calm down, this is already half of the treatment, he will understand that professionals have taken care of it, everything will be done in reliable hands, everything that only possible, if only, if only he would feel better, but in fact there are a whole bunch of medical specializations that you can’t do without people, for example, nurses, this is important, care, of course, in many places, we have operating robots, but the operator is still a person, for now somehow it’s difficult to do without a person,

it’s even difficult to imagine this situation for now, although in the future anything is possible, but in our time doctors are still needed, yes, well, probably artificial intelligence is important where it’s needed there, relatively speaking, a sharp eye when you need to look at the pictures, well, some changes, i read a study where artificial intelligence surpassed diagnostic doctors, radiologists, and made diagnoses more accurately, yes, but again, but no one was happy about it , judging in everything, well, what i mean is that let there be this duplicating function, yes, because a person is a person who may be tired, sick, he may have some kind of stressful situation, he may miss something, absolutely no... it’s stupid to even discuss variations here, but if artificial intelligence will be

an assistant, then why not, the only thing that’s a little scary in this situation is that, like with a calculator, when we didn’t have a calculator, we all counted perfectly in our minds, when we had a calculator, this function is lost, the same thing, if artificial intelligence does everything for us, we will simply lose a lot of skills and then , in my opinion, it will be impossible to get them from anywhere. yes, well, there is such a dilemma, on the one hand, i always imagine myself in the patient’s place, if i start treatment, i may have some kind of adverse reaction, or, well, whatever, they didn’t sell me the medicine, there or they gave me a replacement, and i don’t understand whether it’s the same thing or not, and i want to have access to a doctor so that at least briefly write and get an answer, on the other hand, someone gets sick of it, yes, and the doctor too, again, this is a person who, when he comes home, also has to forget about work, switch off,

relax, so that he can work fully tomorrow, that’s why i give my patients a phone number, but even so, sometimes, here’s one of these situations that will probably remain in my head forever, and a wonderful patient, such a sincere lady, who was embarrassed to ask me, having... a phone, she went to the internet, googled, searched, yes, in this on the internet itself, in a search engine for information, and read that these are the... side effects, most likely associated with such and such a medicine, she simply canceled it, but she had complex therapy, in this complex it was impossible to take out some medications and leave others , then it was already necessary to cancel everything, against the backdrop of this hormonal imbalance, we got

a side effect, an unpleasant one, the absence of a good result, and we got a bad result on... the youth are very, very helpful in our work, because we not so clever we take advantage of the opportunities, when i defended my doctorate, i have a very large list of references, one of my opponents asked: have you really read all these articles, well , even smiling, i said, yes, but some are only abstracts, he says, why? but i say, they are paid, now there are a lot of paid articles, you don’t have enough finances to buy all these articles, they are worth it, it’s not always even somehow accessible, so the guys help with the help of artificial intelligence, and to create a drawing like this, so that it reflects the essence, but i didn’t copy, yes, i wouldn’t have been able to do that myself, or they find articles,

well, in a slightly larger, let’s say, volume, when you can... get more information and understand, because the abstract is sometimes, well, not completely reflects the essence of the research or some very important details are hidden, therefore , in terms of intellectual and professional development, artificial intelligence is an absolutely amazing thing, we have never had such a volume of knowledge as we have now, because we are constantly we are constantly, constantly improving our professional skills, this... saturation, say, in that we can take the most, most valuable, you can use the world, including experience, in general there is such a very interesting figure that plowed me: for in order to be equal in erudition, let’s say, with one of the variants of artificial intelligence, if you read one page of

a certain book every minute, then in order to be equal in erudition, you need to read a circle. you need it on the internet because you, when you come to an appointment with a doctor, you may not tell him something, well, simply because you forgot, didn’t see it as important or something like that, when you start reading, something may form in your head, for example, here it is known that antidepressants cannot be taken with certain dietary supplements, yes, because

they cause panic attacks and all sorts of severe symptoms, yes, yes, yes, but this is nowhere directly. so to speak, it’s not written, and in general dietary supplements are considered frivolous things, people generally take them like vitamins, which which is completely unacceptable and wrong, imagine a serious doctor prescribed an antidepressant to a person, and at the same time the person takes these vitamins, he begins to have the most terrible panic attacks, this means that the drug did not work well, no, this is just the addition of this dietary supplement, here ...someone so special, i literally communicate with the person either every day or once a week, because i see that she can get out of control, it helps a lot, because the person, well, such a person, is a rebus , it will have manifestations that you do not

expect, so you know for sure that something will happen, but you cannot predict what exactly. and timely correction - solves such issues, but this is unlikely, because well, you are alone, there are many patients, in this regard it is good when there are students, they need to gain experience, they are active, they are so eager for it all, that’s when you include them in this process, it works absolutely wonderfully, another thing is that patients begin to react, well, what am i telling you here , some kind of experiment on me, no, in my opinion it’s the other way around good, because students are picky. they are so very interested, especially medical students, well, in general, they go into medicine for a reason, these are people of a very special type, there is also one very famous one. the story is that if a person takes statins, these are drugs to reduce cholesterol in the blood and they are lifelong, as they say, they are, that is

, these are drugs that in no case can be canceled, no amateur activity is allowed there, if the doctor prescribed, they must be taken, so under no circumstances should they you shouldn’t take it next to grapefruit juice, it just aggravates the side effects, although in my opinion there aren’t that many of them, but still, why? well, yes, it’s better without it at all, because it scares a person, sometimes some manifestations of the medicine there is a fairly effective remedy, such a universal antioxidant, acid, it’s called acid, well, there’s a certain theoctic acid, and if you drink it with less water , then he can, a large tablet is enough if he gets somewhere in the esophagus, there such terrible pain begins. with a burning sensation, uh-huh, a man calls and says: i have a burning sensation behind my sternum, an adult, it seems like it’s a heart attack, yes, yes, and you start

asking this and that, that’s where there’s even the slightest doubt, there’s no need to risk an ambulance here , well, one day a patient said, he barely swallowed this, he also barely swallowed this pill, what pill, such a pill, yeah, i agree, many, many different combinations, incompatible, and impossible to predict, provide for, but when a person takes medicine, i always say

take it with water, there is a small list of medications that it would be advisable to take with milk, for example, yes, but it’s right there, everyone who prescribes these medications knows, they will tell you, and others, on the contrary, should never be taken with milk , nuances, but if you take the medicine. as a rule, nothing bad will happen, this is correct, i know, zukhra, i really love your story, about a girl who was forced to take thyroid hormone due to hypothyroidism, and then she decided to improve them must be accepted exclusively on an empty stomach, half an hour before meals, she decided to improve. her story, she, uh, decided to wash them down with a protein shake, because there is always a lack of protein in the body, yes, it brings life and

so on, she also hacked the system, it turned out that this is an absolute fiasco, because it is not absorbed, yes , there will be no effectiveness, the endocrinologist will increase the dosage because it does not work, high hormones that should have decreased. so the dose increases, the effect may already be negative from this dose, but the doctor doesn’t can’t understand what is actually happening, or else, this is very often associated with people who work with a schedule: you get up, take a pill, then you have to wait half an hour, you may not be able to get to work on time, so everyone is trying to somehow... then this is how this is to improve this and - to simplify the situation, someone else, adults take cardiac medications, which they also need to take on a daily basis, they think that if you combine them, then everything will be fine,

unfortunately not, so if the doctor said strictly natasha, not combining with anything, then even you don’t need any water with anything acidified or sweetened with anything, just water and everything will be fine, and again, returning to the topic of our conversation today - this woman, well, would not have found the answer anywhere, in any search engine and she would never ask this question correctly to artificial intelligence in order to get the correct answer, she doesn’t even know what to ask, but in this situation, everything seems to be correct, except for the doctor who will get to the bottom of it, who will conduct a survey, who will compare one and the other, maybe that, well, in general, as i understand it, doctors will be safe for a long time, in such a life, as long as they are safe, so when scientists... say: yes, soon everything will be replaced by artificial intelligence, i say: enough for your life, you know, this is also, of course, such a small off-topic, they also say the same thing about journalists, nothing

like that, a good... journalist, a person who knows who to ask what question, who has information, who will be able to package it all so that it can be read there, looks, listens, there with enthusiasm, he will never in his life be replaced by any artificial intelligence, well, yes, there is no soul in this, but here yes, no, the point, the point is not in the soul, there are too many introductory, which, which it is necessary to compare, yes, i wanted to say, there is no soul, but there is intellect, it’s not about the soul, you know, that’s when digital photography came to our world, film photographers, they were stubborn, they said, there is nothing alive in this digital photographs, impossible, everyone has a dead look, glass eyes, this is horror, what is it, it hasn’t even passed there, i don’t know how many 10-15 years, everyone just forgot, great, so it’s about the same thing, artificial intelligence, search engines and

so on, these are... red helpers for a good doctor, who nevertheless knows how to work with a patient, how to help him, how to prescribe everything for him, and in the end write out a prescription, the machine will definitely not write out a prescription, he will write it out, it will still be clear, legible, well, i think everything will be fine ok, so with the addition of some things, i think that after all, a person will still be needed... using artificial intelligence, maybe in the future, but for now he will be needed. zukhra, do you actually use search engines yourself so that, of course, of course, well, it’s very difficult to do without it, because even the same medicine has so many names that a patient comes and i ask him, what are you taking? he says this, that, that, that, that, some drugs i’m hearing for the first time, but i can’t ignore them, what if they, well, as

they say, i haven’t encountered this, i don’t know , some there is a syndrome, so i forget, read, watch, sometimes i write something out for myself, on weekends or in the evening i look through it, i have all sorts of interesting books, and i sit, compare, solve, i also have some puzzles of my own, so these are professional, i’m preparing for an appointment, by the way, i once had a patient, there are 15 such people all over the world, can you imagine how many

letters i shoveled. i didn’t say lucky, but that’s the opposite story, yes, unfortunately, there ’s a lot of trouble there, it’s a very complex disease, it also has all sorts of different components, and i sat straight for a while, didn’t raise my head, because it’s very rare, very tricky, everything is very complicated, that’s why search engines help a lot without them, like without hands, everywhere on the phone and well, sometimes you find yourself somewhere in in the place where it needs to be provided. help, but this is the first time you’ve encountered this, you need to understand how to help a person, this also happens, and in moscow, by the way, that’s what’s very cool, medical help based on artificial intelligence has been developed, and so on and so forth, because the pictures x-ray artificial the intellect looks through and so on, but in the end the doctor still makes decisions

one after the other, one does not replace the other at all... it only successfully complements, yes, it is complementary, then this is good, indeed, it also seems to me, quite an important story, why google, well, it’s not quite the right story, because you enter your personal data on the internet, in fact, this is also such a sensitive topic, i had patients from america, they were very indignant, saying that yes, we... we now everything is somehow very complicated, complicated, can you imagine, i came to the doctor, i asked him questions, and he said: wait, he sits, searches in a search engine, writing down my symptoms, what it is, well, this is a disaster, he says, i can do this too, well, you calm the person down, as best you can, although, of course, it doesn’t look very professional, yes, you can look at some medicine

that you weren’t prescribed, but... looking for symptoms based on them to make a diagnosis, well, to be honest, it’s a little strange, in any case now it looks strange, maybe in 20 years it will be like this, i don’t know, i don’t presume to judge, but... but if, let’s say, adding up all the complaints and symptoms i can’t figure it out, i’ll say, dear patient, i have questions, i can’t reliably say that this is what with how can i cope, or is this not at all according to my profile, and come on, what can i do here, i can send it to someone who is doing this, yes i am now... that this is professionally honest, i can ask my colleagues to help, there is doctor chats, i post information there without any names, and they can tell me well, such situations happen, certainly not every day, this is a very rare story,

but it happens, well, this is probably the same story as with clinical recommendations, clinical recommendations have been issued for almost every disease, in principle this is the same as deny. she said that she had a huge dream that all medical histories, all medical practices, would all be united into one database so that a person, a doctor,

beginner or not, could look into this database, something... then compare already understand, what to start from, which direction to look in, again in order to help the person as much as possible, yeah, there you go. yes, it’s a good dream, i join you, well, now it’s actually practically, one might say, yes, it’s being realized little by little, and the databases are being united, and that was a great point, olesya nosova and zukhra pavlova were with you. this is the easy money podcast, i am its host mikhail khanov, and today we are dealing with new classes of digital assets, with a new instrument, such as the financial ruble, with new investment, individual accounts for citizens of the russian federation, and the chairman

of the state duma committee on financial markets, anatoly gennadivich oksakov, will help us figure it out , hello, anatoly gennadivich, hello, well, let's get this out of the way, let's talk about what a digital ruble is, and what now everyone cares about what... everyone hears, no one knows what it is, let's try to figure out what it is? there is a ruble that we carry in our pocket for personal use, we pay with it in cash in stores, other retail outlets, in pharmacies, there is a ruble that accesses the banking system, that is, it moves from one bank account to another, for example, if you came to a pharmacy, a store, paid for a service or product with a card, then, accordingly , the ruble with...

well, those who want to use digital ruble - this is not necessary, that is, if you want to use it, use it, if you don’t want to, don’t use it, respectively, if he pays for a product or service, then the ruble located in the central bank’s computer is simply moved from one account in the same computer to another account, here's the difference from cashless only in this, can the digital ruble be called a central bank cryptocurrency, to some extent? you can say so, but still, in general , it turned out that way, we agreed that cryptocurrency is private money that circulates, where the issuer is not the state, but where the issuer is some kind of

private organization or a private person, and he also circulates to a computer, but the issuer is not the state, not the central bank, but a private one, that is, there will be no backdoor, but the first thing is that we ourselves... are already there almost 84% of private turnover, when individuals pay for goods, services are carried out using payment cards, only 16 percent is cash, well, you know, like the politician with balsttar, and just an experienced person, what for in order for people to start using something en masse, there must be some advantages, these are the advantages of the digital ruble, well, we are not talking about cash, this is understandable, before... non-cash money, why is it for me, the

more convenient it is for me ? i said that many they now use payment cards, while the theft of money from the accounts of citizens who use payment cards is quite large, more than 15 billion rubles were stolen last year, and for this they use various tricks , psychological pressure on people, sometimes even the person simply does not know, so somehow the data was taken over. his payment accounts transferred money remotely, the digital ruble is protected from this, the digital ruble, well, from my point of view, is 100% protected, and since its circulation occurs in the central system bank, in the computer of the central bank, obviously he sees, and the operations for the central bank will be transparent and understandable and he will track the movement, and since the system of the central... bank, well, is protected, much

more powerful, so to speak, all the power of the state is on this is aimed, therefore the central bank guarantees, yes, and in principle i can still safely say that if suddenly, due to the fault of the central bank , money is stolen from your digital ruble account, then the central bank will have to be responsible for compensating for the damage that you suffered due to what was stolen money from a computer account in an information system. let's call it information computer somehow, i think that our audience imagine there is some kind of computer in the central bank, that is, this is a huge platform that will say an information system, and there can be a lot of computers, a tricky question, let’s say i have there are digital rubles, i transferred them to the account - it’s not digital, that’s all, that is, the trace is gone or something, or digital rubles are somehow marked, that is, if he went to the banks, he turns to the banking system, yes the trail is gone, that is, the trail is moving. well , let’s just say that its coloring appears

only inside the platform of the central bank, when it is in digital form, so what is the benefit, that is, it turns out that the scammers motivate the victim to transfer money somewhere to their accounts not in the digital space, it turns out, what is it that i transfer from a regular bank account, what from a digital platform the difference, the benefit is that if your money is in the central bank platform. then, firstly, they cannot be pulled out from the platform itself, but here it happens that there is money in the bank, it was stolen because they gained access to this system, well, unfortunately, there are such cases, this is a significant plus, yes, secondly, the central bank, it has such a special system , called rt, which has information about unreliable accounts that have not yet been blocked. well, since the legislation requires

progressive action, you won’t be able to react quickly, but the central bank’s system instantly gives a signal, if the money is transferred to an unreliable account, then you need to suspend the operation, give the person the opportunity to cool down, not transfer money, and if this money is in the information system of the central bank, then accordingly this signal will reach faster, it will be responded to faster and the efficiency will be higher than any. another system, loans, deposits using the digital ruble? not yet, not yet provided for, this is the minus of the digital ruble, and these are only means of payment, payment for goods, services, well, that is, it is clear here that if the state, for example, transfers to some region a certain amount, yes, is it a subsidy or a refund of tax revenues, something else, it doesn’t matter if it’s a federal program, yes, then every ruble will actually be tracked, where it... went, how it went, what was it really spent on? well, yes, we want

to implement this, so-called smart contracts, in order to track the intended use of money so that they cannot steal it somewhere else, this will obviously be implemented, moreover, i so persistently propose to the central bank start in chuvash, since the deputy from republic, yes, and the head there is a former banker, minister of finance, former banker. minister of economy, former insurer, that is, people are familiar with this world, yes, well aware, naturally, they are interested in trying, judging by what we have already discussed. in fact, the central bank is becoming a new player in the retail financial market, or am i wrong, why are there a lot of indignation from commercial banks that the central bank is taking on the role of such a large player, while at the same time being a controlling supervisory body for banks, and actually plays on their field and

takes away their stake, or is that not so? well, it is clear that for credit institutions the digital ruble is a risk, a threat. in my understanding, that a period will come when they may lose their role, they will not be needed, since the mission they are performing will simply disappear, that is, the central bank will issue loans, deposits all over the world, well, at least not the central bank, there may be some authorized body, we will specifically deal with this, that understands this, because banks make money from that money. that citizens and enterprises bring to them, they put them in bank accounts, banks having certain amounts, issue loans, carry out transactions, for this they receive either interest, or there are some kind of commission payments, well, they live off of this, the more money, the more

money people and businesses bring to them, the more they have the opportunity to earn, so... money leaves the banking system, is pumped into the information system of the central bank, accordingly there is nothing to earn, nothing to use to earn money, this is understandable, because banks, when i answer what banks do, they buy and sell money, this is the essence of the banking business, yes, as you said, absolutely right, this is additional earnings on loans, the so-called risky profitability, risk-free return is commissions for payments, opening accounts, and so on, who will pay for all this.

this system, well, let’s say, well, a priori they shouldn’t, because it creates a competitive environment for their work, someone has to do this, here is the central bank, which has the power financial, who has intellectual potential and who, in a certain sense , wants to create competition for the banking

system so that it begins to develop even faster, well, actually competition, but this positive aspect of the digital ruble, as soon as it receives its... development will begin compete with the banking ruble, then banks will begin to come up with various other options - luring customers and these services will become cheaper, better quality, this is a plus, including, by the way, the digital ruble, that is it turns out that the central bank will dump in order to attract participants to this system, that is, give minimum rates for settlement and cash services, so well, the central bank. is already dumping, yes, he created a system of fast payments, so he set lower tariffs for physicists, yes, there, some tariffs are even zero and thus, and many have started an active system of fast payments there, in my opinion, 50%.