... enables smaller organizations to attract a significant amount of individual funds, thereby ensuring their profitability. A rate that exceeds the market average may indicate the following: Market penetration. The financial institution is newly entering the market or expanding into a new region. A higher rate allows them to draw in new depositors. Financing. Funds are being raised to allocate capital for another project. Credit. To open a new line of credit or extend an existing one, the bank draws in depositors' funds. Liquidity issues. The financial institution may struggle to meet its obligations to clients, requiring it to attract more ...

... individuals to remain unbound to a specific city. The money saved can be invested for additional income. The necessity for using modern technologies, applications, mobile devices, and other relevant tech. For many modern individuals, investing and the stock market have become part of life. Capital is being invested not only by entrepreneurs but also by students, officials, and others. Thus, investors come from various professions and social statuses. Moreover, they see no point in overpaying for services that they can perform themselves ...

... Opinion of Sergey Tereshkin, founder of Open Oil Market "The slowdown in GDP growth and the tightening of the monetary policy of the Central Bank of the Russian Federation certainly affect the business climate in Russia. As the founder of Open Oil Market, I see that for our company and the entire B2B trade industry, this time requires a more careful approach to finance and strategic planning. High interest rates complicate access to capital, which makes it especially difficult to implement large projects. On the other hand, the economic slowdown provides an opportunity to focus on increasing internal efficiency and improving operational activities. For example, we are actively working ...

... securities, real estate, and other valuable holdings. This allows large assets to be divided into smaller, investable units accessible to individuals with varying levels of capital, democratizing investment opportunities and creating a more diversified capital market. Cross-Border Payments and Settlements Tokenization offers the promise of faster, more cost-effective cross-border payments. Currently, international settlements involve high costs and time delays due to multiple intermediaries and jurisdictional ...

... among the population. What Does Inflation Deceleration Mean for Investors? Investments in Bonds. The slowdown in inflation increases the attractiveness of bonds, particularly OFZs, which are often favored by investors during high inflation periods for capital protection. A decrease in inflation may lead to stabilize yields and reduce volatility in the bond market, making it more predictable. Long-term Strategies. A decrease in inflation allows investors to confidently adopt long-term strategies, such as investing in shares of promising Russian companies. The consumer goods and services sectors may benefit ...