To stimulate or to regulate From theory to practice: solutions for businesses, opportunities for public agencies Electronic data exchange: balancing costs and quality Moderator: Mikhail Balakin, Bank of Russia Speakers: Svetlana Bova, VTB Bank Alexey Bondarenko, Gazprombank Mikhail Veselov, Fund The Center of Innovations Petr Dneprovskii, Sber Sergey Klimenko, Association of Banks of Russia