As with our life turned upside down over time

• As with our lives

flipped over time

The rapid development of technology not only simplifies our lives, but also gives rise to new types of businesses and professions. Special project Forbes.

Even some 10 years ago, we were forced to order his taxi for an hour or two before the trip, but if you want faster - went to the side of the road and "vote". If we wanted to get behind the wheel themselves, first we had to buy a car. But the future will come very quickly, and now it seems that the wait for a taxi 10 minutes - it's too long, I'd like five minutes, and even better - two or three. Buying a car necessarily, you can take any anywhere in the city and leave it there, where it is convenient, rather than returning to the rental. Apply to the registry office - it now means to go to public services website, select a convenient date and time, and to pay the fee online with a credit card - to the same discount.

Rapid advances in technology not only simplifies our lives, but also gives rise to new types of businesses and professions. At each corner we meet people with huge yellow boxes "Yandex. Food "or green on Delivery Club - they bring us food of our favorite restaurants directly to your home or office. And the children now want to be not astronauts, and videoblogerami, as they are known, popular and earn a lot.

November 15th, 1996 high school students from Tel Aviv, Arik Vardi, Yair Goldfinger, Sefi Vigiser and Amnon Amir launched Internet pager messaging. The project was called ICQ, he became the first messenger. Over the past since more than 20 years we have completely changed the communication messenger, allowing users located anywhere in the world, instantly share information.

Messengers ahead of social networks on the volume of traffic. According Statista of April 2019, the most popular instant messengers in the world was WhatsApp c 1, 6 billion active users. In second place - Facebook Messenger with 1, 3 billion people are, on the third - WeChat with the audience 1, 1 billion, which is almost entirely composed of Chinese. Messengers began to change in the ecosystem. They allow you to not only share photos and video with friends, but also, for example, to order food or to transfer money through the integrated payment services. Such a function is already with the Chinese WeChat, Telegram in this endeavor and Facebook, has announced plans to create cryptocurrency, which can pay for purchases and orders directly in the app.

Exploit the potential messengers seek to big banks, online retailers and delivery services by embedding them in their business processes. For example, in March 2018, Sberbank bought a majority stake in the company "Dialogue" - developer messenger Dialog enterprise. In reteyle, according to the Akita, over a third of Russian companies are using instant messengers, often WhatsApp, to communicate with customers.

Fact: The most popular Russian instant messenger, according to Deloitte, - WhatsApp: it is used by 69% of smartphone owners. In second place Viber - 57%, third place in Skype - 45%.

Quote: "We use messaging applications more frequently than social networking, and prefer private messages public: instant messengers create the illusion of privacy" (Mark Zuckerberg, Facebook CEO)

All of the changes that have taken place in the transport system in recent years, the capital, Muscovites are strongly connected with the name of Maxim Liksutova. In spring 2011, 35-year-old head of the board of directors of "TransGroup" Moscow Mayor Sergei Sobyanin appointed his adviser, and in December - the head of the Department of Transport. Liksutov said that part of the assets sold to the partners, and the other part is transmitted to the management.

new official announced the start of a daring experiment, two months later - the introduction of free Wi-Fi networks in some carriages of the Moscow metro. That day, he presents the program of development of transport complex, which has become a strategic objective to combat congestion by using transplantation of motorists on buses and subways. According to the program "Development of transport system ..." was supposed to highlight the next four years 2, 2 trillion rubles, rapidly build roads, subways, create 1 million new parking spaces, making parking in the city center paid, improve public transport, create a small ring of the Moscow railway road with a view to launching thereon passenger traffic. The reconstruction of 54-kilometer railway Small rings, now known as CIP. Implementation of the program began with the creation of vehicles evacuation system. In July 2012 the Moscow City Duma passed a law that increased the tariff for the evacuation of up to 5,000 rubles (three times higher than the previous one) and held five times to increment the number of tow trucks - up to 1000 cars. In September 2012 he became Deputy Liksutov Sobyanin. In May 2013, in the capital earned first major bike rental systems, for which 40 parking had been arranged, and the Bank of Moscow (later he became a sponsor yet and Sberbank) purchased 1000 Bicycle. A month later, there was a map of "Troika", suitable for the payment of travel on many modes of transport, including ICC, opened in September 2016. It became the 14th branch of the Moscow metro. And actively expand the network of the traditional metro. Moscow Metro in 2011, was built at a record pace in global terms 74 new stations, by 2022, to be built 220 km of new lines were opened.

Fact: According to the results in 2018, Moscow has taken first place in the world in the number of hours (210 per year), which drivers lose in traffic jams, according to a study load of cities conducted by an international company INRIX. At the second location - Istanbul (157 hours).

Quote: "For Moscow is of great importance taking place right before our eyes transport revolution" (Timur Bashkaev, head of the architectural "ABTB" Bureau)

The global GSM standard for mobile Internet 2G-generation networks was recorded in 1991. In Russia, he appeared in the late 1990s, but a sharp jump in network development has been associated with an exponentially growing number of smart phones in the late 2000s. In 2019, according to research firm the GfK, the number of mobile Internet users in Russia amounted to almost 55 million - 61% of the total number of Internet users. An important sign of the times - the rapid growth of user base mobile only - those who use only mobile access. During the year they became twice as much as today, their share in Russia- 35%. The price of a megabyte, we remain one of the lowest in the world: the country ranks second in the world in terms of mobile Internet value after India, but speed and signal quality it is comparable with European countries and the USA.

Communicating with each passing year more and more flows in the Internet: while the income statements of calls and SMS messages is rapidly declining, revenue growth driver for them it becomes a mobile internet traffic. To ensure this growth, mobile operators around the world are beginning to test the next generation network. During the World Cup in 2018. "MegaFon" held the first in Russia live broadcast of a football match with 5G technology, and in the summer of 2019 points for testing next-generation networks already appeared in MTS and Tele2 operators.

However, to start full-fledged commercial 5G network before 2022-2023, the operators are unlikely to: assessment of the Savings Bank, the construction of infrastructure in Russia will take several years and will cost the operators of 400 billion rubles.

Fact: In Moscow, operates more than 2,000 wireless Internet points, while mobile Internet costs Muscovites eight times cheaper than New Yorkers.

Quote: "Wi-Fi will die very soon. He's already dying. We are seeing a big increase in the consumption of LTE areas where it would be expected to see consumption via Wi-Fi. I believe that 5G will influence user behavior when people do not use Wi-Fi, home networks and everything else. They will all be worse than a good 4G and 5G "(Latsanych Vasil, CEO of" VimpelCom "," Vedomosti ", April 16, 2018)

It is difficult to imagine that back in 2009 a taxi or you can catch on the side of the road, or call, the dispatcher calling taxis. The only automation tool was then the service "Taksovik" - a search engine for many metropolitan taxi service. The changes began in the fall of 2011, when Russia got the first service, simplifying the challenge, "Motor" - "Yandex. Taxi". Gett app from Gettaxi Israeli company entered the market in 2012, the American Uber came after all, in 2013. All three aggregators taxis were similarities, but there were differences. "Yandex. Taxi "collaborated with the fleet, and Gett and Uber - not only with them but also with drivers householder. Business diagram everyone assumes that they are getting a commission fleets and drivers: the "Yandex. Taxi "was 8% VAT on the proceeds fleets have Gett - 15%, Uber did not disclose figures, but in 2018 the press service admitted that the commission was 20%.

Each company has a quality control system for drivers - online collection of feedback from which the rating is formed. In "Yandex. Taxi "It results from the evaluation of the entrance examination, the driver needs to Gett after the exam score points Uber originally issued in the maximum rating of five stars, which can not be lost. All companies depend on the rating of the earnings - access to beneficial trip to the airport, like Gett, or extra money for each trip, like Uber.

But the dumping and subsidizing of travel for a gain in market share were to Uber fatal - in some markets had to enter into partnerships with local operators. In Russia, it has become a partner of "Yandex. Taxi ", which received a controlling stake in the combined company. In 2017, they agreed to join the business in Russia and the CIS five mills: Kazakhstan, Belarus, Azerbaijan, Armenia and Georgia.

Also in 2017 there was one more to the market, "non-core" player - Mail.ru Group, has invested in the capital company "Sitimobil" and regional "Lucky." The general director of the holding Boris Dobrodeev assured that in the middle of 2018 to the amount of orders "Sitimobil" became the second player in Moscow.

Major players: "Yandex. Taxi "(joint company with Uber), Gett," Sitimobil "

Fact: The Russians, who pass less than 5388 km per year, to take a taxi is cheaper than to buy a personal car, according to a study of the bank HSBC.

In the late 1990s, it was difficult to imagine that financial services - loans, deposits, insurance - may be available somewhere other than bank branches. The first mobile technologies were just then, but they were very modest and limited to getting SMS on the status of the account.

After 10 years, the situation has improved, but not much. There are already smartphones, but the banks' applications are simple and allow only monitor the status of the account, look for a bank branch on the map and make template translations. If there were problems, we had to go to the office.

After a further 10 years, the world has changed. Now mobile apps - is a mini-bank in the phone where you can buy tickets to the cinema and theater, to invest in the stock market, to pay fines and order the certificate. Instead of going to the bank with the bank officer chat or artificial intelligence or talking with the voice assistant.

In Russia, mobile banking applications used by about a third of the citizens. That's a lot, although less than in the United States and in some European countries where mobile applications, according to the data of ING Bank, uses about 60-70% of the population.

The development of mobile banking has changed the landscape of the financial sector. Bid on mobile app does, for example, Sberbank, which claims to be the technology company. Through the application Tinkoff Bank is developing lifestyle-banking - when the bank becomes a customer's real financial advisor.

Mobile Banking - it is also a way to combat poverty, believes this billionaire and Microsoft founder Bill Gates. Thus, according to Gates, the mobile application finteh M-PESA in Kenya has changed life. Locals traditional banking services were not available, the money they held in the cache, but because in 2007 started service able to store and transfer money via mobile phone. "In the next 15 years, Digital Banking will allow poor people to better control their money and change their lives," - said Gates in 2015.

Players in the Russian mobile applications is at the majority of banks, but the most advanced, judging by the ratings, at Tinkoff Bank, Sberbank and Alfa-Bank

Fact: 45% of Russians, according to the Central Bank of mobile and internet banking.

Quote: "We need banking, but we do not need more banks. Do you think that someday we will be able to open a bank account or get a loan without physical arrival into the bank? "(Bill Gates, 1997)

The idea to create a company to integrate the delivery of services ordered via the Internet Food was born from two businessmen for lunch: Levon Hovhannisyan and Anna Shkirina discussed the possibility of concentrating these services on one site. At that time, the market there were only specialized players - "City Pizza", "TransPitstsa", "Pizza Capital", which did not take seriously the beginner.

The company's founders have hired the developer - the company Helix, which is six months to make the site, rented an office in the attic on Pyatnitskaya, planted there two operators, and a year later, on September 1, 2009 launched www.delivery-club.ru portal. Initially, they found about a hundred partners, which offered delivery for a commission of 10%. The first investment of their own funds amounted to about $ 500,000.

In 2011, the aggregator tranche attracted investments of about $ 1 million from the investment fund AddVenture. In 2013, $ 8 million in companies operating in 18 cities, has invested some funds led by Phenomen Ventures, and in June 2014 100% of the project has bought the German company FoodPanda. It is estimated that they paid for the Delivery Club $ 50 million. In 2016 Delivery Club was purchased from FoodPanda holding Mail.ru Group for $ 100 million.

According to "Sberbank CIB", in 2018 the market share of Delivery Club was in the number of orders in the Moscow market of 46%, and "Yandex. Food ", established in January 2018, - 43%. Second came the leader based on the company Foodfox, purchased "Yandex. Taxi "in 2017. At the beginning of 2019 on the establishment of the same service, said the online retailer Ozon. Key players: Delivery club, "Yandex. Food"

Quote: "The Russian food delivery market continues to grow steadily, which confirms the correctness of our decision to go foodtech segment" (Dmitry Grishin, Mail.Ru Group chairman of the board of directors)

Portal of the federal government services for the first time earned in December 2009, but then he only gave background information. The opportunity to register the accounts and, accordingly, to order services remotely appeared only in April 2010.

Now through the portal of public services carried out hundreds of millions of transactions every day. Users can remotely draw hundreds of services, including pay traffic fines and taxes, apply for marriage registration, issuance of Russian and foreign passport, to register to the doctor to check retirement savings or to register vehicles. "But we understand that is still far from being able to give citizens the best service in the world", - he said in July "Digital" Deputy Prime Minister Maxim Akimov. President Vladimir Putin agrees. In his message to the Federal Assembly in February 2019, he said that all the key public services must be converted into this format, "when a person is enough to send a request for the required service, and the rest of the system must make their own, automatically."

To do this, the portal of public services will be 25 Super Service - digitized services, grouped according to typical situations in life (birth, registration of accidents at evroprotokol, pensions, etc...). For example, Super Service "Having a baby" is reduced to 15 minutes of paperwork and payments, which take up to 12 personal visits to government bodies or two or three - in the MFC 10 statements on paper. "This time we want to do is not as convenient to us, as well as convenient to the people", - promised Deputy Prime Minister. Engaged in the development subsidiary of "Rostelecom" - "RT Labs". The work involved Sberbank specialists, "Yandex", Mail.ru Group and other IT-companies. Fact: Total public services available on the portal, more than 330 e-services, and services. In the top 5 most popular services includes checking electronic diary schoolboy, search and payment of traffic fines, AMPP and MADI, taking readings of water meters, to obtain information on visiting educational institutions and power, the search for a taxi.

Quote: "It is often the quest for government services begins in digital form, and ends in the usual paper" (Maxim Akimov, Deputy Prime Minister, July 31, 2019)

The ability to rent a car for a few minutes appeared in Russia in 2012, when Moscow earned karshering AnyTime companies, and in St. Petersburg Street Car. The two companies did not survive to the present day (the first swallowed "Delimobil" in 2018 and the second closed in 2015).

Today, the oldest player in the market - YouDrive, who works in Moscow in the summer of 2015. Co-owner and CEO of the company Boris Golikov began with its partners to implement the ideas of the American karsheringovogo operator Zipcar in Moscow with a dozen cars Skoda (the company now has 1,500 cars).

In September 2015, the second in Moscow has started karshering from "Delimobilya", a year later she earned BelkaCar, in 2017-2018 they were joined by 11 companies, among them the leader of today's fleet of "Yandex. Drive "(6500 cars in December 2018). In 2018 it employed 16 500 vehicles, the number of trips per year increased by 3, 5 times, up to 23 million. In the summer of 2019 karsheringovy Park Russian capital totaled 23,500 cars in Moscow karsheringe. PwC analysts believe that in the next two or three years the number of cars in Moscow karsheringovyh grow to 30,000 - it will be a saturation point, after which new players will not be able to compete with leading operators.

This market is unlikely to be increased without the support of the Moscow government. Reduced parking fees for karsheringovogo car is 60 000 rubles for three years. Moscow also reimburse karsheringovym companies part of the cost of interest payments on loans and leasing for car purchases. The capital's officials are confident that karshering helps relieve the streets of the capital: that one karsheringovy car replaces 15 personal. At the same time Moscow has been ranked in the list of 220 cities in the world with the biggest traffic jams (2018 Global Traffic Scorecard). Karsheringovye company debugged technology in Moscow, embracing new regions (in the summer of 2019 the first karshering working in 18 cities of Russia) and acquire services: Mobile refueling, rental scooters, scooters and even boats - in the summer it in a test mode, started to take in the rent YouDrive.

Fact: JPMorgan analysts believe Moscow market karsheringa one of the fastest growing in the world. During the first half of 2019 karsheringovye cars rented 24 million times - a million times more than in all of 2018.

Quote: "We had the idea about another project that can be called" People's karshering ". In a world conducted study of this new idea when the citizen himself can take the type of karsheringa during the day my car "(Sergei Sobyanin, Mayor of Moscow, August 2018)

The very first video on YouTube was uploaded in April 2005, and today it is the second most visited site in the world. Video services tightly began to penetrate into the lives of people with Internet access. Today on gaming strimingovy service Twitch day go more than 15 million users, the number of paying subscribers Netflix online movie theater has reached 139 million.

In Russia, the beginning of 2019 the number of Internet users over 16 years, according to research firm Gfk, has exceeded 90 million. Almost half of the active audience of the Russian Internet, 44% watch the stream or stream themselves, according to a report DonationAlerts platform (owned by Mail.ru Group ). In this case, the stream today - is broadcast not only games, but also concerts, events, simple events of everyday life of Internet users.

Videoblogerov influence was so significant that their activities attended to power. In 2017 videobloger Sasha Spielberg spoke at the parliamentary hearings on youth policy, which called on the deputies to "become clearer". A State Duma Speaker Vyacheslav Volodin, in response to the initiative of the Liberal Democratic Party deputy Vasily Vlasov increase citation using bloggers said that deputies can not afford it. Traditional media also paid attention to inflyuenserov market, which attracts more and more marketing budgets of large companies. In July 2019 the "National Media Group" bought 50% blogerskogo Hype Agency Agency subscribed 45 bloggers to shoot video of the beauty, games, fashion, feminism, travel and others. Followers of each of them on YouTube and Instagram 50 000 3, 5 million subscribers.

Fact: Every minute uploaded to YouTube over 500 hours of content. This is 30 000 hours per hour and 720 000 hours per day.

Quote: "Videoblogery now - this is including the business, and many of them earn as much of your salary is not enough to work a week with them" (State Duma Speaker Vyacheslav Volodin MPs on videoblogerah, June 14, 2017)

Who faced with the need of minor repairs in the apartment or help in learning a foreign language? The market offers solutions even when no official market was not. And when he was found, newspapers like "Hand in Hand" began with perseverance matchmakers to reduce masters of customer service. Internet picked up the baton, cutting path "husband for an hour" to consumers. Aggregators appeared later, but they did not immediately discern its benefits.

For example, the creators of the service youdo, which appeared in 2009, initially called each other their company "Exchange stupid orders." She organized, for example, competitions eating lemons or drawing funny self-portraits. The founders spent two years and $ 1 million, not yet noticed that their audiences that make up for about 1 million people, began to appear very mundane orders: to nail a shelf, walk the dog, take a parcel to relatives. In 2012 YouDo reconfigured. After a year to recruit masters to repair and home service portal became Profi.ru, and at the same time offers consumer services appeared on Avito. In 2014, a team of "Yandex" has noticed that requests for municipal services meet an average of 3, 3 million visits per month, of which 600 000 from Moscow. The company decided to create an aggregator of aggregators, combining existing services, such as YouDo, Profi.ru, "Gruzovichkoff", "Brownie", "Service Center 007" and other legal entities, uniting about 20,000 performers orders individuals. Nevertheless, after a year, "Yandex" was forced to close its services because as decided in the company, build a loyal customer base would require too much time. In 2018 the search engine tried again on a different basis: it service "Yandex. Services "began to work not only with the partner companies, like its predecessor, but directly with the performers.

2019 has shown that large repair companies even have their own aggregators lose market individual craftsmen. For example, MTS launched the service on home appliances repair, janitorial and other services, had six months to close: to compete with those found through the search masters proved to be impossible.

Major players: "Yandex. Services ", Avito, YouDo, Profi.ru

Fact: avito number of contact requests on ads grew by 20% in the section of services for the year 2018 from 75 million to 90 million