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Business environment magazine. The first users talk about the Business Environment project

Sberbank of Russia reports directly to its founder - Central Bank RF. This logically explains its reliability and leading positions in the TOPs for most parameters. He belongs to the first line of the ranking financial indicators. Two years ago, it was Sberbank that received the title of the most profitable bank in the world. The reliability of Sberbank is supported by membership in the deposit insurance system. Because individual entrepreneurs we are equated to individuals, they may not worry about the sudden disappearance of money from accounts up to 1,400,000 rubles.

Both ordinary citizens and business leaders want to deal with a worthy partner. Therefore, most representatives of small, medium and big business. For many, this is not just calmness and confidence, but an element of prestige.

Open a current account for an individual entrepreneur in Sberbank online - why is it profitable

Composition of the service package	Easy start	good season	good earnings	Active calculations	Great Opportunities
Maintaining an account with RBS	1 account	1 account	1 account	1 account	1 account
Transfer of funds from a legal entity’s account to a legal entity’s account using RBS: — to Sberbank PJSC (including Subsidiary banks of Sberbank PJSC)	not limited	up to 5 pcs.(6th and subsequent payments per month at 49 rubles per payment)	up to 10 pcs.	up to 50 pcs.(51st and subsequent payments per month for 16 rubles per payment)	not limited
- other banks	up to 3 pcs.* (*4th and subsequent payments per month for 100 rubles per payment)		up to 10 pcs.		up to 100 pcs.(101st and subsequent payments per month for 100 rubles per payment)
Transfer of funds from the account of the legal entity to the account of the individual entrepreneur	standard rate	standard rate	standard rate	standard rate	up to 300 thousand rubles ,,
Acceptance and crediting of cash to the account: - through self-service devices, - by Business card (via ATM, terminal at the cash desk)	0.15% of the amount	up to 50 thousand rubles	up to 100 thousand rubles* (*over 100 thousand rubles per month 0.15% of the amount)	standard rate	up to 500 thousand rubles
Cash withdrawal from an account using a Business card through an ATM / terminal at the cash desk of Sberbank (including when closing an account)	3% of the amount	standard rate	standard rate	standard rate	up to 500 thousand rubles
Cash withdrawal from an account through a cash desk at Sberbank (including when closing an account)	5% - up to 5 million rubles. 8% - over 5 million rubles.	4% - up to 2 million rubles. 5% - from 2 to 5 million rubles. 8% - over 5 million rubles.	3% - up to 2 million rubles. 5% - from 2 to 5 million rubles. 8% - over 5 million rubles.	standard rate	standard rate
Provision of certificates of account transactions in electronic form	standard rate	standard rate	standard rate	standard rate	standard rate
Provision of a duplicate statement in electronic form	standard rate	standard rate	standard rate	standard rate	standard rate
Provision of certificates of operations on the account on paper	1 thousand rubles for each document	standard rate	standard rate	standard rate	standard rate
Annual service Business card to current account	free - 1st year of Visa Business/ MasterCard Business service	standard rate	standard rate	standard rate	Free Visa Platinum Business
SMS informing about the balance and receipt of funds to the current account in the currency of the Russian Federation	standard rate	standard rate	standard rate	standard rate	is free
SMS-informing on transactions made using a Business card	standard rate	standard rate	standard rate	standard rate	is free
Package price per month	0 rub.	490 rub.	990 rub.	2 490 rub.	8 600 rub.
Service package price for 3 months	service not provided	service not provided	service not provided	service not provided	service not provided
The cost of the service package for 6 months	service not provided	service not provided	service not provided	service not provided	service not provided

When choosing any package, you do not pay a single ruble for opening. The tariffs for servicing a current account with Sberbank for individual entrepreneurs themselves vary depending on the region in which the branch is located.

Main services included in the packages:

Maintaining a checking account;
Implementation of payments in electronic format;
Issue of salary cards;
Maintaining a currency account;
Acquiring;
Internet banking, etc.

The cost of maintenance and other services can change dramatically, so be careful when choosing tariff plan. They also provide free of charge:

Access to Internet banking and its mobile version;
Direction of payments to the budget;
Issuance of extracts;
Bookkeeping for individual entrepreneurs under the simplified tax system 6%, without employees;
Transfer of money to the accounts of individuals in the amount of not more than 150 thousand rubles. (not for LLC, only for individual entrepreneurs).

For beginner entrepreneurs - a free package "Easy start"

Since 2017, Sberbank has introduced new package for beginner entrepreneurs. Opening an account for those who decide to join the Easy Start program will cost 0 rubles. Terms of Service and tariff scale are built in such a way as to reduce the financial burden on the enterprise at the beginning of a career. Also not paid:

Account maintenance;
Maintenance of the card (first year of use);
The first three payments of each new month;
Mobile bank;
Internet bank.

RKO in Sberbank: tariffs for legal entities

Carrying out operations on a current account is the basis of cash settlement. For clients who do not have time to constantly travel to the office to resolve ordinary issues, as well as those who have expanded their business and entered foreign partners, this is not enough. Sberbank is ready to provide additional services to such partners. Which - the manager chooses in accordance with the identified problem. More often required:

Participation in salary project: issuance of salaries to employees on the card. Record enrollment time - 1.5 hours;
Currency exchange (the main bank of the country operates with 20 types of currencies);
Ensuring customs payments - control over payments 24/7 without opening a special account. For legal entities, it is possible to send documents directly to the Customs Service;
Currency control - this includes all ways of cooperation with foreign counterparties, including the drafting of international agreements, processing loans, making payments, etc.;
Issuance of bank guarantees to responsible clients;
Provision of Evotor online cash registers - the customer chooses the package;
Internet acquiring, merchant acquiring - the bank provides the partner with modern terminals to accept money for goods and services bank card. In the case of Internet acquiring, access to the payment terminal is provided in the form of a specially designed page on the Internet. Through it, buyers transfer funds to the supplier, i.e., to you;
Deferred payments - for companies that provide services to large masses of the population. For example, management companies. Sign an agreement with Sberbank and a logo with the details of the organization will be preinstalled in each terminal

Internet banking at Sberbank

Large-scale, well-detailed service for busy entrepreneurs. To view the movement of money on the account for today, yesterday, a week, or to get information about transfers for each counterparty, you do not need to go to a bank branch. Everything you need to control is in your personal account. From here you can generate payments and receive payment.

To effectively manage a company from home help:

Sberbank Business Online is a multifunctional system for remote maintenance of accounts and connection of services;
A mobile app with the same name: you don't change your lifestyle, you don't lose control over your business without access to a computer. Everything you need is in your phone. You also control the movement of funds, receive advice from bank employees, create new service packages and issue payment orders by simply photographing the details on your phone.

To help the client of Sberbank, an E-invoicing system was provided for exchanging business documents with partners, website design under the guidance of 1C-UMI specialists, a manager's diary with a large set of options, arranged in an online planner format.

A few months ago, I came up with the idea that there are online coding schools for adults and offline schools for kids on the market. After searching the Internet and not finding analogues, I decided to launch my online school, but the story is not about that.

To bookmarks

Question about registration legal entity and I decided to register an IP. I myself am from the Tver region and registered there, I live in St. Petersburg and I do not have a registration in St. Petersburg. Since it's 2018, I wanted to register online. I didn’t really want to drive more than 300 kilometers to pick up documents from the tax office.

Registration through the tax

I went to the tax website, I immediately find this wonderful service. The bottom line is this:

you can register an individual entrepreneur online and receive documents by mail. There is a nuance - you need an enhanced electronic signature;
You can submit documents through the website and pick up documents at the tax office. When issuing documents, your identity will be confirmed, an electronic signature is not needed.
You can also probably fill it out online, print it out and bring it to the tax office yourself, but I didn’t find this option when writing the post.

Registration of an electronic signature costs from 2,500 to 3,000 rubles on average in St. Petersburg. You need to get it at the certification center, on the website of the Ministry of Communications there is a map with the addresses of the CA, but there is little benefit from it. Since I personally would rather use the sites and telephone numbers of the CA on this map, but they are not there. I did not want to issue an electronic signature, I have Mac OS and I knew that it would only be a headache.

Registration through "Business environment"

And then I remembered that Sberbank launched the registration of IP online in the Tver region (and two more) as an experiment. Googling, I found the site "Business environment". I read what I need.

You must have:

Sberbank account online;
foreign passport of a new sample;
smartphone with NFC.

A lyrical digression - given that 13% of the country's population has a passport, it seems that the service cannot be called mass.

I start registering IP through their service:

I go through all the steps and before the payment step I receive a message - “the payment service is temporarily unavailable”;
I try to repeat the procedure again in half an hour - the service is still unavailable;
I wrote a letter to support and decided to see what kind of server is unavailable. I opened the developer console in the browser and I see that there is a message about the unavailability of the service, but there are no requests to it.
I decided to look at the JS code and find interesting code in the minified file. It lists 5 e-mails and then a condition that I didn’t fully understand, but it checked “if this is a production and the e-mail is one of the 5 above, then you can allow the request, otherwise “the payment service is temporarily unavailable” .
Without thinking twice, I wrote to these 5 e-mails a question - will they fix the service. After some time, they answered me from support that “there really is a mistake and we will fix it today or tomorrow”.
I decided to wait, but in the meantime I resigned myself to the fact that it would be necessary to draw up electronic signature. Two days passed, the service did not work - support answered sluggishly and I received an electronic signature.

I did not yet know what kind of entertainment to activate this electronic signature (it took 5 hours in total, despite the fact that I also used a Windows computer). But about two hours after I started trying to activate the electronic signature, I decided to check the service from the Business environment again. And it worked (e-mails disappeared from the code)! I was surprised that the service gave me the amount of the fee when paying - 10 rubles, but I thought that it was lowered under their program. I signed and sent the documents - in total it took about 20 minutes.

It's been 3 days - it's time to come to the answer from the tax. I write to support to find out what the problem is. They answer that they will clarify it now and after 3 hours ~ at 9 pm a refusal comes from the tax office, because I have paid the fee incorrectly and the documents are incorrectly executed. The next morning, an answer comes from support that at the moment when I registered the IP, they changed the fee to 10 rubles, as the testers checked the service. Apologizing for it Business environment offered me to participate for free in their marathon for entrepreneurs (an event that is not very clear to me with a large number of info-businessmen in a promo video). Sighing and thinking that the guys have a mess with the processes and I would have had a serious talk (up to dismissal) with the one who is responsible for launching this service, I applied for registration again. After that, I received a letter from support that they will present the service at SPIEF and it’s better not to do anything until 16:00, but the job has already been done.

A day has passed (here it should be mentioned that I decided to change the operator and changed the SIM card in the phone) and I receive a notification from mobile application Business environment that I can issue an EP for individual entrepreneurs. I go into the application, I get an error message. After repeating this operation n times, I assume that the matter is in changing the SIM card. I write to support and forget about it for a day, a day later I get an answer from them, which is very likely that the matter is in changing the SIM card and that the developers will contact me on Monday and try to make sure that I go through the registration process for the end. I inserted the old SIM card into the phone and, although it was inactive, the application started and I received an electronic signature for the IP.

I wrote to them that I managed to figure it out on my own using an old SIM card. From support came a joyful response in the style of "It's good that everything worked out!". Today I should receive documents for IP, in any case, I hope so.

Results

The current ES through the CA, in my opinion, are completely unusable. The procedure for obtaining them is not very convenient and transparent, why so many CAs have been made is also a mystery to me.
The Business Environment service from Sberbank is a cool idea, for the most part I did not meet a formal approach - the guys tried to help. But it is felt that most likely the management is rather weak at some level and the development process (including analytics and testing) is built ineptly or something.

On May 22, Mikhail Fedorenko, CEO of the Business Environment project for entrepreneurs, published on his page Facebook post about the search for interns. The publication attracted the attention of Russian-speaking Facebook users, who actively discussed the described working conditions. The post was deleted soon after.

Mikhail Fedorenko - CEO project "Business environment", owned by "Sberbank" and created in 2012 for the "development of entrepreneurship in Russia." Representatives of the project hold events, provide services for entrepreneurs, develop online education and affiliate programs.

In his post, Fedorenko notes that he often receives letters from applicants, although he does not recruit through Facebook:

People come to our projects either by recommendation or through agencies. But both those and those pass a rather strict secondary selection already by my specialists. It is not enough to be a great specialist, it is important that you are accepted by the team. This doesn't happen to everyone.

Fedorenko decided to "conduct an experiment": to take on several new interns for the summer, who will receive mentors from the team and "work out in the project to the fullest." Remuneration, according to Fedorenko, is not provided for such work, but despite this, in his opinion, "the demand will be serious."

The rules are: to know why you came, to listen, to hear, to be proactive, positive, to grasp on the fly, not to repeat yourself twice, quickly, efficiently, skillfully, intelligently, politely, professionally, not to be stupid, to know what you signed up for.

One of the advantages of working in a team Fedorenko considers the opportunity to personally meet with the CEO of the company:

But we have superhumans. Well, I'm sitting somewhere on the second floor of our supercottage in Skolkovo. Sometimes there will be an opportunity to talk to me. Sometimes I will do it on purpose.

The possibility of employment after three months of internship, however, is not guaranteed - “we see a person in detail in a week, sometimes earlier, and we know whether we are on the way or not. If not, then you leave our ranks."

Other benefits of the internship include free transport from the metro, a pass to the Skolkovo business school, access to a coffee maker, and “fresh country air”.

Workplace I don't guarantee. Chair yes. The entire working infrastructure such as a computer is your task. The printer and Wi-Fi are ours.

Due to the fact that the trainee will get into "serious stories", a "hard" confidentiality agreement will be signed with him. It also implies "restriction on the publicity of thoughts and impressions about projects and the team."

The trainees will have to perform "difficult and menial" work - however, "without humiliation", although "no one will immediately give a microscope into their hands."

Perhaps you will be disappointed in me and the team. Well, it happens. It doesn't matter to me. But there are few chances for this.

Fedorenko listed a list of criteria by which candidates will definitely not pass for a position: those who have worked everywhere but have not decided, those who are untidy and do not wash their hair, who have a weak vocabulary and no sense of humor, those “who do not understand what is respect in the broadest sense of the word.

In order to get a job in the “design thinking laboratory, agency networks and new projects that cannot yet be written about publicly,” the candidate needs, according to Fedorenko, to write a motivation letter - “there are no requirements for writing, there are only requirements for meaning.”

Surviving pictures of Fedorenko's original publication:

The editors of the site sent a request to the representatives of the "Business environment" with a request to confirm the accuracy of the described conditions and at the time of publication of this note is awaiting a response.

According to statistics, about half of the start-up entrepreneurs who do not have experience in doing business cannot achieve success and create a competitive organization. The main problem is the lack of experience, knowledge and, of course, material assets. Just to support the young Russian entrepreneurs, representatives of small, medium and large businesses started new project business environment. Sberbank created this project, that is, it is a subsidiary of one of the largest banks in Europe.

about the project

The business environment is a portal for entrepreneurs. The goal of the project is to provide information services to representatives of small, medium and large businesses in Russia and the CIS countries. After all, as mentioned earlier, novice businessmen do not have enough information that is necessary to build a successful and profitable enterprise.

What tasks does the Business Environment project perform:

Entrepreneurial skills development for young entrepreneurs.
Information assistance for existing entrepreneurs whose goal is to promote and develop their business.
Providing business tools for aspiring service and application entrepreneurs.

talking in simple terms CJSC Business Environment, a project created by Sberbank, is an online platform. Its participants can use all services remotely on the official website. One Internet resource contains all the answers to all the questions that, as a rule, a beginner should know.

note that distance learning held on paid basis, you can find the tariffs for certain services on the official website of the Business Environment project.

Site navigation

Insofar as the Business Environment is an Internet project, it means that all services of this organization are provided online. If you open the site, you can't help but notice its nice interface, easy to understand navigation, current current offers from the information service provider. Here you will also find a marketplace for service applications for starting and running a business.

In the "School of Business" section, the user will find educational videos. This is real distance school business. No matter in what area you are planning a business, this section of the project contains educational materials necessary for every entrepreneur. Each lesson is paid separately, so the user has the opportunity to study exactly the information that will be most useful to him.

The user can subscribe to new courses and receive up-to-date information first.
On the project website, you will also find the "Discount Club" section. This is an electronic marketplace through which users can receive information Services or B2B products on the best terms. By the way, a B2B product is an economic and information exchange between two entities, that is, when a business does not work for the end consumer of goods or services, but for another business.

business environment website

What the project gives users

Naturally, the first advantage of the project is Information Support entrepreneurs. Moreover, this participation will be equally useful both at the stage of organizing a business and during its growth and development. The online platform presents great amount teaching material. In addition, participants have the opportunity to attend seminars or webinars online. At the moment, over 247 thousand entrepreneurs are participating in this project.

The second opportunity that the Business Environment provides for young entrepreneurs is the one-stop-shop. In other words, this is the registration of IP online remotely, registered users can submit documents for registration via the Internet. After registration, the user will only need to pick up the documents.

Another opportunity is a marketplace for entrepreneurs, where users can sell and buy services and goods without intermediaries, which is beneficial for both sides of the transaction. By the way, here every businessman has the opportunity to find a reliable partner for his business.

Registration form on the site

How to become a project participant

Everything is quite simple, for this it is not necessary to go to Sberbank, the registration of a new user is carried out on the project website. In the top menu bar, find the link "Login to the site", then select "Register" in front of you will open a form that you need to fill out, namely specify the following data:

the address Email;
surname;
patronymic;
choose a country;
enter a phone number;
Pick a password;
agree to the terms of use and confirm registration.

In the future, the site will be accessed using a login - this is an email address and a password.

Be sure to fill out your account, provide information about your company and other information. By the way, access to some materials of the site is available only to registered entrepreneurs, because the system may ask you to enter an individual tax number of the organization.

Sberbank services available to members

The business environment is a project organized by the founders of Sberbank of Russia, respectively, some products from the bank are available to all participants in this project. You can find them yourself, first, in the top menu bar, select the link CRB =˃ Bank. Here you will find all current offers of Sberbank PJSC for lending to individuals.

Let's consider what credit products offered by the bank for enterprises older than 6 months:

non-purpose loan;
for the purchase of real estate and cars;
for the purchase of equipment on lease;
for the implementation of own and state projects;
to replenish the company's working capital.

On this site, you can choose a loan for yourself according to the specified parameters, using a simple form. You just need to specify the desired loan parameters and the system will automatically select the current loan offer for you.

Sberbank loan offers for entrepreneurs

Offers for beginners

Lending to a start-up entrepreneur is a very risky undertaking for a bank, therefore, offers for beginners on loan products are limited to consumer loans with or without collateral and credit cards. Although a beginner can still get a loan at the start, but only for organizing an enterprise for standard plan Sberbank or franchise.

But for young businessmen, the bank can offer financial support for activities, namely:

settlement and cash services;
collection;
participation in the salary project;
insurance of business objects;
remote service.

Information about bank services for beginners can be found in the same section, that is, you need to follow the link of the Central Bank and select the "Bank" section.

If you are just planning your activities, but do not know where to start, then you will definitely need the Business Environment project. Here you will find a lot of business ideas, learn how to build an ideal business model, how to optimize the work of staff and much more. Once you decide on the industry and scope of your business, you will be offered a huge amount of training material on this topic. Following the advice of experts, become successful entrepreneur it will surely be much easier.

Creation idea online resource for small businesses arose from the management of Sberbank back in 2010. A lot of preparatory work was carried out, related, among other things, to studying the needs of the business environment.

And in 2011 there was informational portal"Business Environment".

According to the initiators of the project, the created resource should help start-up entrepreneurs keep accounts, provide the necessary reporting to tax and other authorities, find partners and make transactions.

The project became important element implementation of Sberbank's strategy to support the development of small businesses in Russia and the transition to electronic document management . A small commission for the transaction, a wide range software products, proper control over the integrity of the parties to the transaction and comprehensive support for novice businessmen are gradually making portal "Business environment" quite popular.

The Central Black Earth Bank became one of the first territorial banks of Sberbank, which actively joined the development of the resource. The interactive platform project includes six sections for doing business.

One of them is section "Bank", which presents the services of Sberbank. With its help, small businesses will always be aware of all banking innovations, and most of them can immediately apply through the portal.

An important element of the "Business Environment" is section "School", which already presents a basic set of training courses that allow both current entrepreneurs and those who are only interested in starting their own business to gain knowledge.

Software products offered in section "Shop", created using the developments of partner companies that specialize in creating cloud services for business. They help keep records, draw up documents for registering an LLC or an individual entrepreneur, prepare a report in the Pension Fund or the Social Insurance Fund, calculate sick leave or vacation pay, use the legal reference system, and organize logistics. Work continues to automate business management processes to enable the entrepreneur to focus on strategic tasks.

Market section- one of the key ones in the "Business environment", as it contributes to an important business process - making transactions. You can find contractors and partners on the site, you can use it as a showcase for your goods and services, actually opening your online store for free.

The main advantage of the resource is the absence subscription fee(3-5 thousand per month on comparable Internet portals) and a relatively small commission on the transaction amount, which is quite fair.

On the portal in the "Club" section, the functionality is also implemented social network, through which representatives of small businesses communicate, share their experiences. And in the "Magazine" section you can find the latest news from the life of small businesses.

Opinion of business about the portal "Business environment"

– Our studio was opened as a franchise with financing through the Business Start loan. Sberbank helped our business with advice, thanks to which we avoided some problems at the start, such as choosing a franchise and formalizing legal relations with the franchisor.

Now, on the Business Environment portal, the first thing I did was go to the School section, where I saw these consultations, already in the form of video courses. Just in case, I listened again, reminded myself of some information. Maybe I'll refresh my memory from time to time. Also from the free listened to " Efficient Management company at the start. For us, this is still relevant. Created a selection of paid courses. – It turned out cheaper than buying similar ones offline or in specialized online stores.

Unfortunately, there are not very many courses yet, and among them there are no programs dedicated to many areas of business. In particular, I did not find anything related to entrepreneurship in sports, fitness clubs. But in any case, the portal helps to pull up the general theory. Yes, and he does not stand still. Developing!

– I was pleasantly surprised by this portal. We are at the very beginning of development, and for our business this site is just a godsend. The maximum of what we need now is concentrated on one site. I liked the opportunity to exchange experience with those companies and businessmen who have already gone through some selection in the "Club" section. The portal has very informative seminars.

So far, I am only at the initial stage of acquaintance with the resource, but it is clear that there is an abyss of information useful to us. I liked the way they are illuminated on the portal legislative changes. This is not a simple statement of fact, but an explanation of what entrepreneurs should prepare for.

It would be interesting to see a service on the portal that would contain information about currently available state grants, would allow them to be sorted by several indicators and simplify the filing of applications for them.

- Not everyone comes into business, because he is an entrepreneur to the core. For example, I just love working with real estate, and it just so happened that in this business I went as far as opening my own agency. And, in particular, it is precisely such people that the portal can help to painlessly enter the business.

In particular, the section that can relieve a lot of headaches from a businessman can be "Shop". There are programs that automate the most complex routine processes. These are programs for simplified business registration, sales management, and accounting services. Of course, before trusting such directions electronic applications, you need to make sure they are adequate. But it is unlikely that non-working products will be sold on the website of the Sberbank project.

You can also check out the tutorials. There are not as many of them as on other sites, but the selection itself is organized in such a way that an unprepared person can get an idea about doing business. She embraces and gives detailed instructions on all the first steps in business: from creating an idea and registering a company to attracting venture capital investments, searching for specialists and managing a new project. Moreover, this entire line refers to free video courses.

Perhaps the life of small entrepreneurs could be greatly facilitated by the presence on the portal of a special section with detailed, updated marketing research across various industries.

– The first visit to the portal is influenced by the design. In this case, it turned out to be light and unobtrusive. In general, after I seriously studied it, I came to the conclusion that it is possible to study and work quite effectively on it. I think that it will not work every day because of my load, but in general, you can spend some time on it weekly.

The most useful for me is the "School" section. Good interesting lessons. First of all, I was interested in those classes that are dedicated to startups. They can help avoid many initial common mistakes. The "Club" section at this stage may also be of interest to me. For young entrepreneur any additional opportunity establish business contacts and get acquainted with the experience of your colleagues. In the future, to search for materials, I may also be interested in the "Shop" section.

I think it makes sense for the creators of the portal to place on it a selection of cases in which detailed descriptions and instructions would include examples of businesses that have been successful with this portal. This would be useful for entrepreneurs, and would help in its promotion. Most likely, this is a matter of the near future.

- It so happened that I looked through the portal through the phone. It does not have a separate mobile version, however, the regular version of the site turned out to be well optimized for a phone browser. As a result, “Business Environment” worked fine on my “mobile phone”, unlike some other resources without a separate mobile version, and I had access to all sections and to all products.

The idea of the site itself is very "cool". A big plus is the availability trading platform b2b, with which, for example, I can find materials for my products. But still, only those companies that focus on b2b sales can use 100% of the possibilities of this site. I'm retail oriented. Some company, of course, can buy a chair from me, but it is unlikely that such transactions will occur regularly. For me, the main section on this portal was "School". The courses presented in it, judging by their programs, are very strong, and in the near future I will select something for myself to review.

Of course, the main thing in the site is that it performs its functions. But there is still work to be done on its design. Now, in terms of design, it resembles a mixture of Windows 8 and the Sberbank website. Separately, these things look fine, but together ... We need to get away from this. Ideally, the portal needs its own separate style, without association with the parent bank.