It's a nascent industry standard called The Artificial Intelligence Network Template, or TAINT.

I blame the idea of the 00s and 10s that there should be some "Zen" in computer UIs and that "Zen" is doing things wrong with the arrogant tone of "you don't understand it". Associated with Steve Jobs, but TBH Google as well. And also another idea of "you dummy talking about ergonomics can't be smarter than this big respectable corporation popping out stylish unusable bullshit". So - pretense of wisdom and taste, under which crowd fashion is masked, almost aggressive preference for authority over people actually having maybe some wisdom and taste due to being interested in that, blind trust into whatever tech authority you chose for yourself, because, if you remember, in the 00s it was still perceived as if all people working in anything connected to computers were as cool as aerospace engineers or naval engineers, some kind of elite, including those making user applications, objective flaw (or upside) of the old normal UIs - they are boring, that's why UIs in video games and in fashionable chat applications (like ICQ and Skype), not talking about video and audio players, were non-standard like always, I think the solution would be in per-application theming, not in breaking paradigms, again, like with ICQ and old Skype and video games, I prefer it when boredom is thought with different applications having different icons and colors, but the UI paradigm remains the same, I think there was a themed IE called LOTR browser which I used (ok, not really, I used Opera) to complement ICQ, QuickTime player and BitComet, all mentioned had standard paradigm and non-standard look.

encourage innovation in the banking and financial system What "innovation" do we need in the banking system?

So I think, but I'm not sure, this is for group chats. Group chats are only encrypted to/from the server because the server broadcasts the message to each recipient. As the messages are unencrypted on the server, they can feed them to LLMs. This is different to Signal. On Signal it's your phone encrypting each copy of the message before sending to each recipient individually.

Thanks for sharing this, it is an interesting read (though an additional comment about what this about would have been helpful). I want to say I am glad I do not use either of these services but Yandex implementation seems so bad that it does not matter, as any app could receive their data

I applaud this, but I still say it's not far enough. Adjusted, the amount might match, but 121.000 is still easier to cough up for a billionaire than 50 is for a single mother of two who can barely make ends meet