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Trust in the digital economy - how to achieve it?
Material posted: Publication date: 04-11-2019

About digital environment of trust and difficulties in the way of its creation is told, and made a lecture to the students of the faculty of integrated security TEK State Duma Deputy, member of Committee on financial markets Alexey Izotov.

In the beginning, it was about the basic elements and directions for building a digital economy in Russia. Program "Digital Russia", which now lives in the Russian economy, was approved by the government in 2017 and will operate until 2024, the budget is 1.6 trillion rubles. The goal of the program is the implementation of the Strategy of information society development in Russia. The program is aimed at creating conditions for the development of the knowledge society, improving the availability and quality of goods and services produced in the digital economy with the use of modern digital technology, increasing awareness and digital literacy.

By 2024, the program will be implemented. The results, according to Alexey Izotov, will be required reading for graduates of those years. Then one of the most popular will be the specialists in the field of digitization.

What is the digital economy? The basic elements of its creation — it markets and industry sectors, platforms and technologies, as well as the environment that creates the conditions for technology development and interaction of the subjects of markets and industries. The development of the digital environment covers the regulatory framework, information infrastructure, training and information security.

Thus, it is necessary to create environment of trust that digitization has not caused people rejection. Young people are more or less prepared, the middle generation also perceives innovations of digitization is good enough, but the older generation is more it is difficult to adapt to new, changing world, they read books on paper, and will continue to read them.

It is therefore important to create a digital environment of trust, and then to develop the main directions of the digital economy is already in a trusted environment: use of data, protection of intellectual property, new technologies, tax systems, industrial Internet, artificial intelligence and many others. Mastering the new specialty "information and economic security," for example, you will need to work on each of these areas.

"In my opinion, young people, students should now set a goal to continuously acquire new competencies. Their grandparents were given a profession and then worked all her life for her. And retired in this profession. But many parents of today's youth were retrained, received a new specialty. I'm always speaking to the students, they say that you will have to prepare to change in your life is on the order of 5-10 areas of work and competences. Therefore, entering the University you will receive fundamental knowledge, ability to learn in the future, but in any case can not stop, will depend on you personally, how in this changing world are you ready to change themselves", - said Alexey Izotov, addressing the audience.

The digital environment of trust, according to the speaker, is impossible without the Internet. The importance of a Global network increases the Internet is required everywhere: in the services sector, in banking, in Finance, etc. But a lot of the present day, depends not only on the ease of use of IT-technologies, but also on the protection of intellectual property, the protection of personal data because no one is immune from leakage of information about the citizens of the databases. Using your personal data, fraudsters can on your behalf to make any transactions, for example to sell the apartment. Therefore, the use of IT systems is always on the junction that on the one hand is convenient, and with another - should be safe. It is therefore very important to create such environment that runs smoothly and safely.

Not so long ago, the notion of "digital signature", it is now called a digital signature. Fakticheski, each of us has an electronic signature when agrees with anything with their accounts in the network and presses "OK" or "accepted" — this is his digital signature. More complex unified digital signature issued officially by the certification authority. And in 2024 in our country will issue electronic passports of citizens of the Russian Federation, thus soon the people will have their compulsory electronic signature. The electronic passport will imply not only the presence of a Bank card, but also the presence of the electronic signature.

Turnover data is another element of the digital economy, but here we are speaking not just about turnover and simple exchange of information, and we are talking about building a large system and, in particular, about the phenomenon of Big data (huge data volume). This large database, it is a standard server that exists today, it is the large computers that process information in a nonstandard way. Here we face two questions. The first question (it is registered in the "Digital economy") is what is needed technologically to ensure all areas of the economy and 50% of the equipment should consist of similar systems. But the field of microelectronics, unfortunately, at the moment in Russia is not developed, what now exists was created in the early 70-90s of last century, therefore, the domestic processors are expensive, if converted to a power unit, and then the country faced a challenge to re - create the branch of microeconomics.

The second issue is the choice of the path, which the country will go. Create departmental technology (databases of the pension Fund, for example), when the Agency creates your server and it works, interacts with other departments in their communication needs. Or create a cloud. cloud technology is known to us is Apple, Google. Sberbank, by the way, our domestic technology. The government should decide which technologies they support. Here issues of cost and security. Cloud technology for any Department will be much cheaper, but the office will not control them. While this is an open question, but we are more inclined to departmental way, but personally, I think that this is not the right direction, I would use cloud technology.

Society lives in a time when technology is changing so fast that sometimes just do not have time to implement them when taking the implementation process from beginning to end, is that technology is morally already obsolete, and this, of course, the modern progress, sometimes, it becomes chaotic.

"We often confuse the concept of the digital economy with the concept of digitalization and automation. It's not the same thing. It's one thing to implement a project for automation in the enterprise, and another thing is using artificial intelligence to create such models that would allow us to say, for example, that in November next year we will need to create such a product with this composition of raw materials, because he will be in demand. These are quite different things: automation and the digital economy. The digital economy is cross-cutting technologies that pass through all sectors of the economy: health care, education, etc. Is a lifestyle and this lifestyle through the trust we have gradually come", - says Alexey Izotov.

The speaker also mentioned some issues concerning the establishment and implementation of the digital economy in our country. So, while Russia takes 41st place in the world of digitization. For example, the health sector: as if neither wanted the state the last few years to convert it, it is impossible to satisfy all the needs of the population. What is the main problem? Purchased the necessary equipment, made possible many complex operations, which previously was not done, but our Russian people is a common feature, as a conservative, so we have purchased equipment in the clinics, and people just don't want to learn to work on it.

Where in Russia today the main problems of the digital economy? Is the housing sector, and, unfortunately, the industry mainly technical industry. These are two areas that we inherited from the Soviet era. The Soviet planned economy, it was built on manual labor, hence the low level of automation, low labor productivity. We need to do a lot, we have equipment with sensors in industrial enterprises are several times smaller than in the West.

You can give an example and compare our country with the leading country for digital economy South Korea, Russia 10 thousand people accounted for 4 of the robot (here we are on the same line with India) in Korea, the figure is 700 robots. See what a big difference.

According to Alexey Izotov, during his trip to France in 2012, he visited the company "Total". The same complex technical production we have in the Republic of Bashkortostan, it uses a lot of manual labor, in France on the same line on the same production runs, for example, 2200 people, and we have in the company - 25 000 people, which is eleven times more! Accordingly, the productivity is low and all the difficulties here.

A lot of draft legislation passes through the Committee for financial market, where Alexey Izotov directly working. And that's what he says, citing the example from his practice: "When my colleagues and I started creating the legislative framework, working on the first act, which includes the concepts of digital and financial assets, for example, we are faced with the concept of cryptocurrencies. And there it stood, because today doesn't understand what that asset is. Than backed cryptocurrency? Evaluation of conventional currency is still based on the existing resources of the country. Based on the gold reserves of the country, monetary policy of the Central Bank, the monetary policy of the country. Cryptocurrency is just air, it's nothing, it figures... So give broad use of bitcoin, no country dare. Is the so-called "sandbox", which for the most part studies the behavior of the cryptocurrency, the behavior of investors, market members and what it may bring. We also have proposals to create a sandbox (test site) in the Crimea, but in Russia is not given the definition of cryptocurrency. There was excitement in 2018, when he grew up bitcoin in particular, many rushed to buy bitcoins to create a mining farm, even began to sell the apartments for the cryptocurrency, and then the question came up before the legislators, and what to do? Because money is a public equivalent, which you can buy and sell assets. If society agree that cryptocurrency as digital financial asset will be that equivalent, then, of course, the whole financial system of the country, the whole world financial system simply collapse. Because today it is not subject to any existing rules. And will manage the process only speculators. And it would be impossible to calculate, the course of bitcoin today or tomorrow, and so forth."

He said that experts are inclined to believe that the cryptocurrency should probably exist as a phenomenon in itself a very interesting phenomenon, which allowed to make the first step in the digital economy, there is blockchain technology, but should not, nevertheless, go beyond the economy. Cryptocurrency is likely to exist in the legal field.

You need to understand that before somewhere to go, you need to think about how then to get out of it, as the consequences can be quite serious, according to A. Izotov. First and foremost, social. Millions of people in our country working in the field of security, tellers, cashiers, accountants, drivers. Now there are buses without drivers, trains in airports to move between terminals without drivers. This profession will eventually go away completely, it will be in demand, but nonetheless, people here will be replaced by robots. Another example, Sberbank is planned that almost 90% of lawyers who work there will be from Sberbank forced to leave as their work is done by robots. For example, on a mobile phone we will notify you of anything from the same Bank robots. Therefore, these effects in connection with the implementation of the digital economy should be addressed by the state. You must make the digital economy in any case did not affect the unemployment rate. Therefore, the transformation of the professions, of course, happen. And the government needs to pay particular attention to. The most popular working professionals will lower qualification, where there is no need to replace with automation or with higher qualifications, i.e. where a very high component of creative work. But the average level will be chiprovtsy. And professionals will need a lifetime to relearn and have different professions.

There are other issues that must be addressed at the legislative level in the near future. Humanity still lives, using laws written in ancient Rome, and I should be very serious of its components under the pressure of new technologies. We live in very interesting times. The development of technology is a very good, progressive, but sometimes we don't pay attention, creating new technologies for safety, and sometimes the creation of new technologies, cheaper than the technology for their safety. And before the current generation is a big mission - the creation of a "new digital rights."

Marina Korneeva

Tags: Russia , economy

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