the whole team worked on recording each of the requests, of course, there will be, maybe a lot of garbage, because people will call, maybe with not entirely adequate questions, but there must be a recording in some way, including artificial intelligence , so that it is used not only by swindlers, but also by law enforcement officers, yes, that means we need to build a system in which all this could be accumulated, structured, systematized and...

stops within, if i’m not mistaken, 2-3 days, and after it turns out because even if we wait, i think half an hour is enough psychologically, no, you have to find out, the point is that you need a longer time, the only thing is that you can’t go overboard, because if in fact the payment is authorized, and you will block it for 3 days , then there will be complaints from the client, what the hell did i do, the banks are working. girls or

boys find out, that is, if you are of sound mind, if you speak calmly, if you provide, the bank will already call there is adequate information about the passport, about registration and so on, some questions, then the operation is unblocked in 5-10 minutes, that is, they say that if the operation is relevant, no in some cases yes, but in others, when i say that traffic light, which is being implemented within the framework of regulatory policy, supervisory policy, it implies: that with a red traffic light, these accounts, which already raise questions, they can be blocked for some time, but most importantly, yes, but the most important thing is that there are still different forms of opposition eat when we have to accordingly, exchange information between the banks themselves about questionable transactions, that is, the final beneficiaries-recipients, and so on.

with the participant, then blackmailing, then you are drawn into other financial frauds, that is, even before law enforcement agencies present claims against you, having revealed your involvement in this, there is still a serious risk when for 500 you agreed,

gave the card, then you they say that you know that such and such operations were carried out using this card, in this i mean, now you have to, otherwise.

person as a person, so-called p2p payments for the purchase of cryptocurrency carry a similar risk, that is, it is possible to include some kind of fraudulent scheme in order to also, for example, hook on blackmail, a very important factor that will warn you against many risks associated with these scams, when you do something, you must understand what you are doing, if you have opened an electronic wallet, you must understand how you open it, how you use it, and in what volumes you use it, because it has its advantages, it has its disadvantages, if you have opened a credit card, then of course it is a convenient tool or a deposit card, yes, respectively, a payment card, you have

an advantage, if you have opened internet banking and use it, then this is of course a lot provides you with convenience, especially now you know that you can...

no, if you, if we are talking about a pin code, when you log into your phone using a pin code, then in the end it will just tie you hand and foot and present the phone to your face and...

protection is important to you, if protection is important to you, then you say: yes, let the sms come, i will enter it, it is more reliable than just a payment from the fact that i gave the corresponding one via internet banking, because when you provide internet banking, then by licking your data, in principle, a hacker can use your internet banking, well, codes, passwords without your phone.

let’s say i know some of my friends who just walk around with these push-button phones,

let’s do this, i’m in this block right now with fraud, confrontation, i will record for our audience three main rules from the koran academy of gorigi nashotichunyan. so, first, do not enter into any negotiations at all, as soon as they seem suspicious to you, conversations, do not rely on yourself, on your knowledge, experience. just stop, stop communicating, because one way or another, you are giving a reason to get hooked, to become again a victim of some sociological schemes, some other kind of manipulation, just stop talking. thank you, leave your information and i will call you back. rule number two: if you it seems like a quick, some kind of immediate benefit, this is especially true for our young audience, when they offer you 5-10 thousand for opening it. card and handed it over, nothing more, remember that in addition to the fact that you

become participants in a scheme to deceive people, because the card will not be used just like that, no one just gives money, you automatically become an accomplice in much more serious crimes, up to criminal penalties, up to heavy sentences for, for example, if some transactions were carried out from this card in favor of prohibited persons. succumbed to the tricks, you followed some commands from the scammers and you realized that you did something wrong, immediately call the bank, you should have, like ambulance services, like gas services, police and ambulance, you must have digital... coordinates, that is, the telephone numbers of your banks, the cards of which accounts you have open, and

you must immediately call these telephone numbers, tell the situation to the real security service and real employees bank, and then, together with them, take the necessary actions that we are advised to do. by the way, i wanted to say that this is a system of involving students, well, students, young people, even the term is professional. not used by a lot of people , yes, so this term is already professional, let’s say a few words about the current situation in the banking system, well , first of all, i would like to talk about the rate, so i heard your opinion that the rate is 16% - this is not only bad, but also

good, why is this good? no, just me i usually put more emphasis... on the fact that this is unacceptable, double-digit interest rates, not only on deposits, on loans, especially the refinancing rate, this is generally a terrible thing, this is a necessary measure, we know that the consolidated forecast of entrepreneurs is 5%, this is a forced measure, it can be justified in different ways, but on the other hand, when it comes to the fact that this is a very high rate, it provokes high interest rates on loans. i, of course, remind you that at the same time it gives the opportunity to those our fellow citizens and those bank clients who have free funds, there are few of them, unfortunately, the layer of people who have free funds is very thin, but there is, and for them, of course, there is an opportunity to at

least save, increase, because that banks are real today. well, they give a period of up to six months, somewhere around 16%, some banks said, a number of banks even earlier up to 13% and even for a year and a half they gave the opportunity to be higher than the official inflation, no, this is not higher than the official inflation of 7.8%, that’s all -it's the past year is that there is still.

they are told: hurry up, transfer it to other instruments, buy something, in this sense, this is a kind of tool for accumulating funds in the banking sector. at the same time, there are many opponents who say that there is no need to accumulate in banks at all, there are thousands of other options , in principle, they offer many alternatives, and even many claim that the banking system has no future, banks will die out and their place will be ... especially right there was such as the youth say hype around the topic of the digital ruble, despite the fact that the central bank says that it is only testing the platform, a number of banks have announced that they are taking part in this testing, 30 banks this year will be

involved in this experiment, but the digital ruble is still not from this series, digital ruble.

but the digital ruble has another meaning; who should be afraid more than the digital ruble, if at all? that every step is being monitored or the banks, that in general the institution of banking will die out, as you said?