How the life of an ordinary Russian will change thanks to technology

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The experts of the Spartech R&D Center are confident that financial technologies will change the world in the near future – they are so sure that they have taken the liberty of dreaming about the near future. Let’s fast forward five years and see how our lives will change with the help of ten ready-made technologies, using the example of a typical day for Misha, an analyst at a marketing agency.


In the yard of 2023, the fourth cyber-physical revolution took place and the massive introduction of cyber-physical systems into all aspects of human life. Misha, as is often the case with him, overslept, although the smart home had been waking him up for the last half an hour, and now he is late for an important meeting.

Sighing over his own inefficiency, Mikhail orders an unmanned taxi – it communicates with other participants in the stream in real time and, receiving information from them, analyzes the situation on the city’s roads. The optimal route was built, it allowed Misha to arrive exactly at the meeting with the client. Hooray, contract signed! – this is how technology has been saving humanity from the beginning of the day in the person of a single Misha.


True, in pursuit of a client, Misha was in such a hurry in the morning that he forgot to do an important thing – to walk his dog. And now the baby corgi will suffer.

Of course, you can order a specially trained dog walker, but Misha hastily left a large sum on the table in the bedroom, and he would not like anyone to take the money. In 2018 this would indeed be a problem, but now there are solutions. Misha remotely lets the walker into his apartment, and the perimeter sensor monitors so that no stranger enters the room where the money is.


Misha needs to send a report to the client. While he was driving from the meeting, the necessary data had already been loaded from the storage and generated in the required format. He only needs to verify and send to the client, not forgetting to wish a good day.

Communication with customers is now easier – just this year, many firms have implemented decision-making technologies using big data analysis. More and more companies (social networks, e-commerce) offer individual offers and design elements for customers.

The psych type of the user is automatically analyzed in order to build communication with the user in the way in which it is convenient for him to communicate. For example, short phrases, an abundance of adjectives, the presence of emoticons. Similar developments appeared back in 2018, when Misha had just started playing with chatbots.

Similar systems are used everywhere: even in call centers, operators are given real-time tips on how to communicate with a particular client. Therefore, Misha is absolutely calm – the system accurately formulated the report in exactly the way that the client liked it. And even attached a gif with a bowing cat, as the client likes.


At lunchtime, Misha still drives home to pick up money from the bedside table and take it to the bank. The future is the future, but the cash abolition bill is still only going through its first reading, and these pieces of paper still have value. He does not take with him either a bank card, or a passport, or even a passbook.

After all, in 2023, a bank branch will automatically recognize its customers using multi-factor authorization: cameras at the entrance scan his face imperceptibly for a person and compare it with their database, microphones read his voice and recognize the visitor.

and a smartphone gives the bank signals that he is in his pocket from its owner, and this is really Misha. As a result, he simply approaches the operator, whose display immediately shows who is standing in front of him, and gives the money.

Misha absolutely trusts this scheme, because it works on the blockchain. This technology has the property of transparency of performed operations (transactions) and immutability of objects within the network. In this case, the blockchain can act as a repository of experience in using services in the context of specific people and companies that provided these services. Reputation in 2023 is the most valuable asset for entrepreneurs and their employees.


During the tea break, Misha remembers that he wanted to buy dog ​​food and a few things for the house. But since he is not in a car, it will be very inconvenient for him to carry all this. Luckily, there is a touchless supermarket on the ground floor of their business center. The beauty of it is that Misha can go down there.

look at the goods, select the necessary purchases and add them to the virtual basket. The store will do the rest for him – he will write off the required amount from the account and deliver it to Misha’s home. All Misha needs is a smartphone with NFC, which allows him to log in to the store and “punch through” goods in a special application.

The delivery will be carried out by drones, which is both faster and easier than traditional delivery by human forces. And you don’t have to worry that the drone will confuse something, or that someone will slip Misha cat food instead of dog food – everything works on the same blockchain, and the information is recorded there as reliably as possible. Robots form an order in automatic mode, people do not even touch the goods and cannot spoil anything.


Misha finishes his work day and stays in the office for an hour to study. He is currently taking a VR course on content production. VR, which works from his smartphone, allows Misha, as if in reality, to communicate with the teacher and even shake his hand at the beginning of the lesson.

While our hero was studying, a message came from Sberbank that a mortgage was approved for him, and he can be issued. Misha connects to his virtual branch and in a few minutes he negotiates everything with a personal manager. He recalls that a few years ago he had to go to the office with a passport to discuss registration there, bar-r.

You can’t live without VR now — advanced Sberbank has been holding VR tours for several years now to make it easier for new employees to adapt. Putting on virtual reality glasses, they find themselves in the Bank’s branches and in the Unified Distributed Contact Center.