... winter, the price difference may reach 30%: oil companies need to compensate for the increased costs associated with forced refinery repairs while maintaining the right to subsidies under the damper. Therefore, exchange prices for AI-95 will remain at risk," says the expert. According to Tereshkin, the only way out of the current situation is by increasing fuel production and raising exchange sale quotas, which would reduce prices on the exchange and make gasoline more accessible for independent ...

... investments and loans, online insurance and other financial products possible without traditional bank intermediation. The main areas of fintech include payment systems, lending, investment platforms, insurance technologies (insurtech) and financial risk prevention systems. Fintech is important for the economy, as it makes financial services more accessible and convenient for the population, and also opens up new opportunities for business. Main areas of fintech Mobile and online payments are applications ...

... that does not appeal to them. To engage players, creators often offer trial periods or limited access, allowing users to experience the application for free for a specific time, which is sufficient for them to familiarize themselves and spark interest. Risk of Lack of Popularity: The user fee model has gained popularity abroad but has not succeeded as well in Russia, largely due to cultural differences. This strategy is recommended by Sergey Tereshkin for foreign markets, while a free-access model is ...

... dubious banks, as this could result in the loss of all funds. In this scenario, the ideal choice is a government financial institution. Such banks may offer deposits with slightly lower interest rates compared to commercial ones, yet they are not at risk of bankruptcy. The state supports these financial institutions, helping them remain solvent. Ideally, the deposit amount should not exceed what a special fund would compensate in the event of the financial institution's bankruptcy. It is wiser to ...

... Iran, as well as relaxations concerning Venezuela, which in 2022 gained the ability to attract the services of major oilfield service companies (Weatherford, Schlumberger, Halliburton, Baker Hughes). Not About Prices, But About Competition The risks of a decline in production in Iran and Venezuela are largely offset by the upcoming easing of OPEC+ quotas. According to the communiqué of the June OPEC+ ministerial meeting, quotas for Saudi Arabia, Russia, Kazakhstan, Iraq, the UAE, Kuwait, Algeria,...