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Date: a month ago   Category: Technologies

Digital conveniences — for people or the state? Semyon Novoprudsky's comment


The USSR joked: what car we assemble at the plant, all the same there is a tank. Approximately also in Russia with digital economy. Whatever new "super-pupersky" technology, convenient for people, we begin to introduce, only to the state Semyon Novoprudsky conveniently turns out. Photo: Tatyana Frolova Clients of banks began to complain that credit institutions without fail demand to hand over biometric data even when opening deposits or debit cards, the Kommersant newspaper reports. Though people thought that the biometrics is entered only for their convenience and, the main thing that this service — especially voluntary. I will tell at once: banks and clients, strangely enough, are in this story on one side of barricades, and the state — on another. It is indicative that even public authorities definitely do not know whether the biometrics is inalienable right of the person or his sacred duty upon purchase of financial services. Rosfinmonitoring says that the 115th federal law "About Counteraction of Legalization (Washing) of Income …" grants to clients the right to hand over biometric data, but does not impute them it a duty. The Bank of Russia which, actually, also forced credit institutions to introduction of biometric services treat the law a little differently. As notes Kommersant, according to the Central Bank, banks are obliged to place the information about the client in the uniform system of identification and authentication and the unified information system of personal data, but only with the consent of the client. Formally it does not mean that people are obliged to hand over biometrics. But the Central Bank did not answer a direct question whether this service is voluntary for clients. In general new financial technologies and digital economy in general are in more and more obvious conflict with the essence of state policy in the financial sphere. And not only politicians of Russia — any states. The states got used to have complete control over monetary issue. They try to control all payments of natural and legal entities. Desire to avoid this control also generated the world fashion for offshores and optimization of taxes in the different smart ways. And here — an opportunity to mine cryptocurrencies in any apartment! Banks got used to look in the passport of the person a fixed look of the operator directly at office. "Where the card was taken, there and go". And here the removed identification! As a result banks appeared between two fires. On the one hand, the state demands from them to toughen fight against doubtful operations. As a result of one hundred thousands of Russians blocking of accounts in banks faced a problem — and then try prove that you are not a camel. On the other hand, the state forces banks to introduce the same biometrics. And time forces, and banks demand from people to study it — to them then to report to the regulator. At the same time in Russia legislatively what financial transactions are doubtful still did not find time to define. Therefore banks are forced to work in fight against them at own risk. Invent criteria, block accounts. Better feather

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