technologies that provide all this, in our guest is the first deputy chairman of the bank of russia olga nikolaevna skorobogatova no comments from market participants, from commercial banks, first of all, that the central bank is pulling the wool over its shoulders. here, let’s say, if the mir payment system, which, by the way, no one believed in either, yes, with what difficulty and squeak it was launched, now, de facto, we have already become so accustomed that it stands on a par with the global payment systems, card systems, here the role the central bank is, let’s say, supportive, regulating, and if we are talking about such... to what extent do you get the remark from market participants that the central bank wants to become the main bank, that is, why is all this, and how will we be in this paradigm of ourselves? feel? you know, in general, the attitude of market participants is very different, for example, by the way, you remembered the world map, at the beginning of the journey, well, in addition to skepticism that this could not be done in the time frame in which we did it, and there was also skepticism

of payment, and most importantly with new technologies, which is everything. this is ensured by olga nikolaevna skorobogatova, first deputy chairman of the bank of russia, visitinglga. hello michael. thank you very much for coming. there are no comments from market participants, from commercial banks, first of all, that the central bank is pulling the blanket on itself. here, let’s say, if the payment system of the world, which, by the way, no one believed in either, yes, with what difficulty and squeak it was launched, now de facto we have already become so accustomed to it that it stands on a par with global payment systems , card here the role of the central bank is, let’s say, supportive, regulating, and if we are talking about such things, we will now talk in detail, like the digital ruble, how a single qr code, as far as here you get from market participants the remark that the central bank wants to become the main bank, that is, why is all this, and how will we feel in this paradigm? you know, in general the attitude of market participants is very different, for example , by the way, remember the world map at the beginning of the journey, well, in additio

implement these tools, ours helps us with this. guest first deputy chairman of the bank of russia olga nikolaevna skorobogatova called a unified biometric system. not a protection law. this is not 115, there are several laws, including 115, changes were made, yes, but once again the same thing. biometric system, to explain in simple language, yes, it’s voluntary, this is the key thing, which is also extremely important for us, let me also talk about all this voluntarily now, voluntarily at your request, the opportunity to submit to this system biometrics, that is, your photograph, well , let's simplify it, well, a photograph, a photograph, roughly speaking a photograph, the voice enters there, the voice enters there, and that is, photographs, the voice in those bank branches who provide this service is: you need to look at the website banks, they directly give specific addresses where you can go, do this, for what? so that if you later want to use, for example, your biometrics, that is, your sample, you can use this when making payments in the store, that is, even now you sometimes you see that there are termi

and our guest is the first deputy chairman of the bank of russia olga nikolaevna skorobogatova.t the so-called state cryptocurrency, the digital ruble, yes, let me remind you, we have already had several issues on this topic, roughly speaking, this is a cryptocurrency, in fact , its issuer is simply the state, that’s true ? we certainly do not believe that this is a cryptocurrency, because for us, cryptocurrency is just a private currency in digital form, like bitcoin, ethereum and so on, we believe this is written in the law, and for us it is certainly... our national currency, but in digital form, probably , before i say and give an explanation about some advantages , including answering about fears, i remember very well when we initiated this project, started discussing it, when it was, it was, well, about 2 years ago , not so long ago, in fact, in principle, like you say, at that moment everything was already fine, map of the world, huts, non-cash funds in banks, towards a cashless society, now we have roughly somewhere around 83%, and we predict growth for the next 2-3 year

it possible to provide all this, our guest is the first deputy chairman of the bank of russia olga nikolaevna skorobogatovaweet 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