hello gorigin ashotovich. thank you very much for agreeing to take part in the conversation. our readers and listeners, work with banks in one way or another. what motivates them to do this, firstly, material interest, because customer losses one way or another, although not completely, are largely reflected in the banks themselves. here are all the types or main types of fraud thanks to the led with the help of which tens of billions of rubles, huge sums per year, flow away, this is largely technical or , let’s say, technological methods, or psychology or psychology. blinkered and acting according to a certain false algorithm, you don’t hear these words, there is a whole series of measures to combat fraud, this is firstly detailed explanations, booklets are made by banks, now one regional bank has made a request, we have created a working group, because other banks supported this , to... with psychologists, sociologists, prepare some forms that will help clients throughout throughout the interaction, explain what cannot be done, competently, structuredly, clearly explain, th