sergey vladimirovich khodorsky first deputy chairman of the board of sovcombank can be said to be theodiment of an entrepreneurial initiative, his first business, opened his student years. that's when sovcombank began to grow very rapidly in the banking business. it was in those years when many uh, just bankers wanted to retire , apparently, and our uh, license revocation policy somehow tuned in to this, even the definition of a tired banker appeared, but this is not just in combo and uh, we hmm see how confident its founders are in the strategy despite various crises and difficulties. maksut shadayev minister of digital development of communications and mass communications igorevich was engaged in professional projects of digitalization of the state state when no one believed in the success of this business, and everyone believed that the state service and the state system. they are completely stuck in the last century. e, but the fact that today the public sector is becoming one of the flagships and a conductor of digitalization has become possible because that maybe someone once de