... banks in Russia, is actively developing its fintech products through the Alfa-Laboratory project. As part of this platform, the bank is developing new digital services for the convenience of users: mobile applications, online banking, and financial management tools. Alfa-Bank also offers business solutions for accepting payments and lending to small businesses. T-Bank (Tinkoff) T Bank is one of the most famous online banks in Russia. It provides a full range of financial services - from lending and current accounts to investments and ...

... stages, when the product or service is at the prototype stage or is just beginning to attract the first customers. Private funds. This is their personal money, which they are willing to risk by investing in promising projects. Active participation. Business angels often take part in the management of the company, give advice and help in making strategic decisions. Exit from investments. Business angels expect to make a profit in a few years, when the project becomes successful and can be sold or listed on the stock exchange. How do business ...

... including prices, specifications, and terms. This helps reduce the risks of unprofitable deals and enables the selection of optimal offers. Reduction of Operating Costs and Process Automation Automating the ordering, payment, and delivery processes allows businesses to save time in procurement management and avoid errors. Flexible Financing Conditions Some B2B platforms, such as Open Oil Market, offer installment payments or credit, helping companies manage their working capital more effectively and avoid cash flow gaps. Support for Long-Term ...

.... With the purchase of a business, all primary and costly phases are behind. The owner only needs to implement changes and improvements to increase profitability and reduce expenses. Disadvantages Despite the numerous benefits, acquiring an existing business also carries certain drawbacks: Team morale. As the saying goes: "a new broom sweeps clean." Therefore, employees usually react negatively to changes in ownership or management. This inevitably affects the company's operations. Outdated equipment. An enterprise that has been operational for a long time may possess outdated equipment that does not meet modern requirements and standards. This equipment may have long ...

... responded positively. Should the report reveal that medical inflation is “eating” into profits more than expected, shares of HUM may decline. On the other hand, any positive news – such as an increase in covered individuals or efficiency of cost management programs – will bolster confidence that the business is resilient even in a challenging industry. Hershey (HSY) – a well-known producer of chocolate and snacks (Hershey's, Reese's, KitKat brands in the US, etc.). The company is regarded as a consumer defensive asset, but it surprised with a profit ...