director of the institute of communication management of the higher school of economics alexander pushko alexandrovich goodndrovich , please tell us in the scheme proposed by the central bank when will it operate in cooling period 2 days she fits into the scheme. actually, banks have the right to communicate with each other for three days, that is, in principle, without violating laws. but we have achieved this in recent years, what about online payments? they fly in instantly. i sent elena immediately received or vice versa, on the contrary, look and sent. and elena sits and waits for 2 days. so look, uh, any antidote to, shall we say, cheating. she can't be the only one. yes , it should always be a set, let's say 2 days. yes e so to speak, the so-called cooling period. in what cases can it help? it can help in cases where, let's say, scammers imagine the situation, a divorced a person was lured from him, so to speak. e consent to withdraw money or receive a loan. and in this case, so to speak, these 2 days can decide. uh, let's say a problem, if we are talking about the use of bank cards. then there, if