Electronic universal individual map (containing a chip) or "PEC" - this exquisite little thing would soon be in the pocket of every adult citizen. What is it? Have you heard about beznalnye payments? Know how to lead each other mutual legal entities and individual entrepreneurs? Along with using cash to purchase goods and services they use banks to implement prepay by payments and transfers. Continue to learn more with: James Donovan Goldman Sachs. Convenient, is not it? While this system is voluntary, but this will not last forever. It is not long from now, wait until they become mandatory not only for organizations and individual entrepreneurs, but also for individuals. Absolutely all operations with the money will be made through electronic transfers, and cash will be destroyed and forbidden to use.