internal security system in different areas, which, well, makes this system, let’s say, as secure as possible. let me say in shoe language everything that you said, and you correct me, whether i’m right or not, that is, if our dear listeners and viewers, if suddenly it seems to you that by submitting your biometrics, your photo data, voice, and some other... then i don’t know, it’s an eye infection, you’re afraid that you will become a victim of scammers, then scammers. if they somehow got hold of your photo and a sample of your voice, they wouldn't be able to to come, they will say: here i am, it’s you, yes, because the first and most important thing about what olga said is encrypted information, that is, it is 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 well for now...

probably nine out of ten i hear more reviews about how quickly you will launch it, i would like to try, well, because in principle, of course, paying in person is very convenient, of course, you put in a queue, i’m just giving examples, coffee, sandwich, your hands are full, you have to go somewhere to get a card, the phone is again, judging by the size of the phone - it’s two hands, here you can smile, pay for coffee, but at the same time the risk is limited to 20,000, really all small purchases, well, it’s hard for me to imagine going to a grocery store there, usually. several thousand rubles, but if you don’t buy for a month at once, yes, then, in principle, when you go, here you, say, always have this digging, especially in winter , they took someone’s phone in a bag, yes, all this is inconvenient, as we know, there are also fingerprints there that need to be changed to winter ones, yes, the skin changes, you know, i always joke, there are winter fingerprints there and summer ones, because the structure of the prints changes, yes, in fact, yes, what you say is convenience, the average bill seems to us to fit perfectly into this amount, that is, this is such a common story. this is the easy

money podcast, i am its host, mikhail khanov, today we are talking about national payment systems, new payment instruments, new technologies that make it possible to provide all this, our guest is the first deputy chairman of the bank of russia olga nikolaevna skorobogatova, well, let’s have a sweet talk about the so-called state cryptocurrency, the digital ruble. yes, let me remind you that we have already had several issues on this topic, roughly speaking, this is a cryptocurrency , in fact, it is simply issued by the state, is that right? of course, we don’t think that this is a cryptocurrency, because for us, cryptocurrency is just a private currency in in digital form, like bitcoin, ethereum and so on, we believe, the law says so, and for us, of course, this is our national currency, but in digital form, probably, before saying:

we were to answer, why, why at all, let’s go again into this story, because of course it is complex both from the point of view of 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 gone through such a fast the path from a cash society to cashless society, 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 we will definitely reach the figure of 93-95 at this rate. percent of payments in non-cash form, well, you know, i ’m judging by myself, excuse me for interrupting, 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 more years, 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 any cash, it’s exactly the same story, but in fact it shows that, of course, 10 years, on the one hand, is a long time, on the other hand, for behavioral characteristics and in general for us it's a short time for you, but i have to say that...