MOSCOW, RUSSIA - JANUARY 12, 2017: Russian Central Bank Deputy Governor Olga Skorobogatova at a Banking Services without Banks panel discussion at the 8th Gaidar Forum titled "Russia and the World: Setting Priorities" organised by the Russian Presidential Academy of National Economy and Public Administration (RANEPA) and the Gaidar Institute for Economic Policy (Gaidar Institute). Stanislav Krasilnikov/TASS (Photo by Stanislav Krasilnikov\TASS via Getty Images)