We are used to using social networks for entertainment purposes. This is a really interesting pastime, but each account can bring real income. Let you have few friends and subscribers, it does not matter.

The main thing is that you can like, leave comments, repost and so on from it.

Service reviews, earnings, how to do more tasks? We will talk about all this now. Let's start with the fact that this system has been completely redesigned and now not only Vkontakte earnings are available in it. Accounts from other social networks are also connected to complete tasks.

How to make money on Vktarget?

Hundreds of thousands of orders are executed on this site every day. All of them are related to social networks. We talked about, here everything is also simple. Perhaps one of the newcomers hears about this site for the first time, so detailed instructions may come in handy:

In general, this is a complete instruction, since the service is designed for beginners. Tasks appear every minute, so it's better to refresh the page often. There are many performers, they quickly exhaust all the performances. As for the affiliate program, it is profitable.

15% each comes from earnings and money spent on cheating:

These are my statistics on referrals, people actively register on this site, work and place orders. The system is high-quality, stable and never delays payments. Try to make money with Vktarget, it's so easy. At least replenish your mobile balance.

How to get more tasks on Vktarget?

Users of this system constantly complain that there are too few orders. The fact is that there are too many performers on the site, you have to share orders for everyone. There are 3 ways to make more work:

1. Community proposal. Recently, it has become possible to connect groups to make money on Vktarget. They will need to publish advertisements. To connect to the community, you need to follow the link under the social network icons:

You can add as many communities as you like, advertisers actively use it. There are no requirements for the number of participants, but do not overestimate the price, many sites with favorable prices have already been added to the system:

Regular tasks come more often than orders for advertising in a group. But everything changes when you connect a bunch of communities and if each of them has a lot of subscribers.

2. Promotion of accounts. When ordering a cheat, users specify filters. Naturally, everyone wants to recruit the most active people in their communities, choose profiles for reposts where there are many friends, and so on. Therefore, it is worth doing the promotion of the profile.

3. Additional accounts. Through each social network on Vktarget, you can log in only once. This limits the possibilities of those who have many pages.

Log in with a different browser and re-register using different profiles. Just do not try to deceive someone, honestly fulfill orders from other pages.

Thus, you can earn even more on Vktarget, but there is an alternative way. offers far more than one service, register on alternative projects and complete tasks there.

Services differ in terms of conditions, withdrawal methods, orders, available social services. networks and many other parameters. Reviews about Vktarget are the best, therefore this system is in the lead among analogues. But in other projects, there are much more assignments, and they pay even more for them:

1. - the system is foreign, but there is a Russian language. Most of the tasks are performed through the program, any social networks are used. networks, payments in Euro.
2. - with this site, you will definitely not think about how to get more tasks. There are a huge number of them and not only on social networks.
3. - a large system in which, in addition to orders in the social. networks, recently added functionality for making money on articles.
4. - the simplest cheat service, money is also withdrawn to the phone here. Earnings are made through VK, Instagram, YouTube and Twitter.

Excellent article 0

Admin 6 comments

How to make money in vktarget? How to do more tasks? How to get more tasks? See similar sites, read reviews about this site.

Hi all! Today I will continue to cover the topic of how to make money on the Internet.
Next in line is a service for making money (for those who are just learning how to make money on the Internet) and promotion in social networks. Vktarget networks.
The Vktarget service has been working on the Internet for several years, which means that the site is solid, the tasks in Vktarget are easy, perfect for beginners, and the important point is that the site pays! Of course, you won’t earn much, although ... as hard as you try). It all depends on the number of accounts and referrals and your activity.

For the experienced, mainly for the owners of sites and blogs, Vktarget also has interesting options, though not for earning money, but for promotion. For example, promotion by social signals. If you have social buttons networks. You can order a boost of likes and reposts. The thing is good, but! I looked who orders such services in Vktarget, 2 sites came across in the tasks. 1st some kind of sex shop) though trust ... and with back links order (1000 links to it 20 of it), but still some kind of pornography), the second site, there is nothing to be afraid of, AGS caught. So I don't think it's worth the risk.

And what do you think?

Let's take a closer look at the site for making money on the Internet Vktarget.
Let's start with registration.

With registration on the Vktarget website, I think you should not have any difficulties.
Follow the link:
Vktarget
1. Enter your soap.
2. Come up with a password on the site.
3. Re-enter your password
4. Put a tick agree.
5. Next.
All. Registration for this is complete.
We go to beat the loot).
Then connect all accounts, all social networks on the Vktarget website.
You can work in Vktarget with pages from accounts: Vkontakte, Twitter, facebook, You Tube and Instagram, Google+

Connect everything. Don't have that many accounts?
Register now!).
Otherwise, you can not read further - this is not for you).
Connected social network accounts?
If yes, see how to complete tasks in Vktarget

So.
After choosing a task, click.
1. Follow the link, like, repost, tell friends, etc., in general, we do what we are asked to do in the task.
2. Click check. If you did everything right, the inscription “done,” will appear, you will be credited with money for the completed task.
In short, everything is very, very simple!
Next, I suggest you read the reviews about the vktarget website.
Reviews, which I oh how it was not easy to find on the Internet.
There are not many interesting, noteworthy reviews on the network about vktarget, but I managed to pick out some interesting points).

vktarget reviews

Basically, there are a lot of reviews about vktarget regarding money, or rather the payment of earned money to performers.
There are many discussions about not paying money to performers in the vktarget service.
I don’t know if the reviews are bought, (competitors leak) or the truth, but these negative reviews about the vktarget website are all that I could find from 2014.
Reviews for 2016 regarding payments to vktarget, to performers, everything I found, all positive.
I want to tell you, those sites that do not pay do not live long.
This is the most discussed issue in reviews of the vktarget exchange.

The second point most discussed in reviews and comments is a small income.
They say about the stock exchange that you will not earn anything here.
Someone has 10 rubles a month for someone ... about the same).

You know, a long time ago I started my Internet earnings with seosprint.
In the reviews about that exchange, as well as about vktarget, they said 10 rubles per month maximum!
Someone in the reviews wrote that they managed to earn 5 rubles in a whole day!
I managed to earn 50-70 rubles a day.
You tell me how it is, in the reviews they write 5 rubles, and you earned 50 rubles.
Do you know why the reviews say one thing and I have another (read on and you will have another)?
Sometimes you need to turn on ingenuity, and not just rely on reviews and other people's opinions.

I have 2 questions for you.
Do you want to receive more tasks in vktarget ?
Do you want to make more tasks in vktarget ?

If yes, see how, I'll fire the chips).

Vktarget, how to make more tasks, how to get more tasks?

First answer to questions. How to do more tasks in Vktarget and how to get more tasks is given to us by the Vktarget service itself.
I am sure that you never read the rules before registering on any service).
We go into the Vktarget user agreement, we are interested in performers.
You didn’t read it on the service itself, read at least here).

Finally, if you liked the Vktarget site and would like to work on similar sites.
I will tell you about the most profitable sites. On the sites of which there are many different tasks + they regularly pay.

These sites are sites like vktarget.

1.Seosprint.
Of all the sites for earning money for beginners, I have the greatest sympathy for this one.
Maybe because I started with it... It's not very similar to Vktarget, the main difference is that there is a more diverse selection of tasks that are just as easy to complete.
Speaking of this site, I wrote in this article

By the way, in that article I merged all the chips of earning on seosprint. That article also has how to get and complete more tasks, I don’t want to repeat myself and rewrite that article.

2. Sarafanka
A very similar site with Vktarget, I would even say identical.
An exchange for PR and making money through social networks, in fact, the same exchange as Vktarget.
You can also link accounts from such social networks. networks such as: Vkontakte, Twitter, faceebook, You Tube and Instagram, Google+ as well as vktarget + soc. Odnoklassniki network. Attention! Doesn't pay anymore.

3.forumok
So to speak. Very cool site. A lot of tasks. You can complete tasks: Forums, Blogs, Twitter, VKontakte, Facebook, My World@Mail.Ru, Odnoklassniki, Google+, Youtube, Instagram.

That's all for me.
Good luck friends!
In your endeavors and a fair wind!

Hi all. Today we will consider the VkTarget service, tell you for whom it will be useful, and also give my feedback on working with it.

VkTarget is a platform for cheating subscribers and likes on social networks such as VKontakte, Facebook, Twitter, Instagram, Odnoklassniki, Google Plus, as well as on YouTube video hosting.

Who needs it? Advertisers can be bloggers or entrepreneurs promoting their projects on the Internet. Ordinary social media users networks, having registered in the service, they get the opportunity to perform simple actions for a small reward, for example, join the community, like, tell friends, post a post on their page, talk about the site, etc.

Register

Let's move on to an overview of the service and start by registering with VkTarget. Follow the link and click on the appropriate button.

The registration process is elementary with a very nice protection against bots, where you need to collect a picture with a cat.

Click "Earn".

The system will automatically connect to your profile or ask you to enter data to enter the page.

The connected profile is displayed with a checkmark.

All profiles, except for VK, can be unlinked from the service, just keep in mind that this account cannot be added back.

We carry out the first tasks

These tasks are available to you.

If you click on the check without completing the task, the system will convict you of cheating.

Now click "Check" next to the task, a green checkmark will appear.

Voila, my account was replenished by 48 kopecks. This, of course, is a ridiculous amount, but quite a real one, because very soon it will be in your wallet, and we spent 3 seconds to earn it.

After crediting funds to the balance, do not cheat by unsubscribing from communities or deleting likes, reposts, etc., because there is a system of automatic verification after completion. If it detects this violation, it will write off the money earned from your account. Ignoring these conditions entails a ban with the freezing of funds in the account.

How much can you earn here?

The number of available tasks depends on your data on the social pages. networks (gender, age, city, number of friends, etc.), because you must fall under the target audience of the advertiser.

Suppose that you complete 20 tasks per day for 50 kopecks (the average cost of a task). It turns out that for the day earnings will be 10 rubles. Do not forget that this will take at least 15 minutes of your time. In a month, you can easily earn money on unlimited internet for your phone.

Yes, it's not enough. But this is not the limit! Look at the screenshot of my payouts.

How to earn more?

Getting more assignments

You have access to tasks only from those social networks whose profiles you have connected, so we add them all. We learned to connect accounts a little higher. If you are not registered in some networks, then register and fill out a profile. After that, make sure that there are checkmarks next to all social buttons.

In the "Settings" tab, we also put all the checkmarks.

Turn on new task notifications by moving the slider to the right.

After that, push notifications with new tasks will appear on the desktop. So definitely don't miss anything.

Plus, you can use up to 4 accounts. So you can create pages for men, women, choose them to live in such big cities as Moscow and St. Petersburg. After all, if you indicate in the information that you are from the village of Kukuyevo, then you are unlikely to fall under the target audience of the advertiser and, accordingly, you will not see tasks.

This does not mean that you can create a bunch of bots and make money with them. If you decide to go this way, then the pages must be well filled out and maintained as real ones, otherwise a ban is possible.

We carry out tasks even outside the home

Even if you are not at your computer, you can continue to earn money from your Android mobile phone, wherever you are, by downloading the app.

There are bots (such as ERE-market or Vktarget Bot) for automating earnings on VkTarget, but the service rules prohibit the use of such bots, violation of the rules entails a user ban and freezing of funds in his account, so decide for yourself whether you need it or not.

We advertise in our community

If you have a community, then you can place ads in it by connecting the community to the service.

Applications for placement will be shown in the "For groups" section. Advertising post will need to be placed for 24 hours.

We use an affiliate program

The affiliate offers you to receive 15% from the income of performers and the same from the expenses of advertisers attracted by you.

To become a member, you need to scroll the site to the very bottom and click "Affiliate Program". There you will find a detailed description of the conditions, promotional materials and your affiliate link.

Do you want to delve into the topic of affiliate programs? Get started, the first week of training is free!

How to withdraw earned money?

The minimum amount for withdrawal is 25 rubles. According to the conditions, the withdrawal is carried out within 2 business days, but usually it takes a few minutes.

To do this, click on "Withdraw".

Choose any of the available methods:

• qiwi,
• webmoney,
• paypal,
• Yandex money,
• mobile phone account.

Enter the wallet number and payout amount. You can additionally protect your account with a security question that will be asked to enter when changing details.

If suddenly (although I didn’t have this) VkTarget does not pay your hard-earned money within 2 working days, then contact technical support, they will deal with your situation.

The best analogues

Despite the popularity of VkTarget, it has worthy competitors. I recommend trying these services and choosing the ones you like best.

V-like is a similar site, but here the prices are slightly lower, but there are more tasks.

VPrka - encourages participants with expensive prizes from large cash prizes to crossovers!

Conclusion

Often people ask about the VkTarget website a scam or not. Once again, I personally checked everything. It really allows you to get money for actions in social networks. Like, join a group, leave a comment - now you can earn money on it.

I myself was convinced of the reliability of the service, it really pays without cheating. Be sure to register and earn your first money.

Please leave your feedback about working with VkTarget in the comments.

That's all. All the best to you.

We will talk about projects that are similar to the famous and beloved Vktarget service. It turned out that most people are asking this question - Vktarget Analogs, and are looking for exactly similar sites. We, in turn, have compiled for you a list of paying and working projects that will be monitored and updated in terms of screenshots of payments.

Analogues Vktarget mean for themselves, earnings through social networks, and in order to earn more, personal social pages should be developed. The vktarget project itself allows you to earn about 25 rubles every three days. Now imagine if there are not one, but 20 such projects. You can get a decent income and cover most of the small expenses.

On most similar Vktarget sites, you can open several accounts, this will increase income several times. Also, do not forget about the mobile phone, tablet. If they have a separate Internet connection, then you can create the same number of accounts on it and re-register and earn. In general, if you really turn on the brain, then this can become your main source of income.

The main factor is activity in these social networks, you need to correspond, add photos, like, in general, show life. Thus, you will get an effective account and there will be no claims from different administrators. It is also advisable to read the rules of each project, since they can change, suddenly instead of 2-4 accounts, it will be possible to make 5-10, and this, no matter how it affects the income from each project.

1. Vprka(Vprka) - a lot of social tasks to complete. There are also special quests for which real money is paid. In general, the site is as popular as Vktarget itself. There are quite a lot of options for raising money, at the same auctions, lotteries and the currency exchange. Earned can be withdrawn after the threshold of 50 rubles. Money, from personal experience, comes within 12 hours. There are enough tasks for all social networks.
2. Cashbox (Keshboks) - one of the best sites in terms of price, tasks appear throughout the day. You can safely earn from 15 rubles daily. There is no minimum withdrawal amount. The only drawback is that after completion, you need to wait for verification within seven days, but the money goes to the withdrawal of 100%. Also, the check may take up to 10 seconds. From personal experience I can say that the site really deserves attention.
   
3. Seosprint (Seosprint) is one of the most developed and visited sites for making money on the Internet. Lots of positive feedback. Social tasks are located in the tasks tab. There are so many of them that you can do it all day, but if you use several pages, you can raise money well and put this project on permanent use. Many authors write in their comments that they raise 100-500 rubles daily. To withdraw money, you need to collect only 2 rubles.
   
4. forumok(Forumok) - a lot of expensive tasks. To withdraw earnings, you need to accumulate 200 rubles, this is not a problem if you learn how to use the project. There are many tasks for all social networks and not only, there are tasks for writing articles and posting links on forums. With a little effort, the site really brings in good money.
   
5. Vkserfing (Vkserfing) - the site was created to make money on the social network Vkontakte. There are a lot of tasks, the price of one execution is 20 kopecks, but you should not take this into account, because if you complete all the tasks, then the earnings will be more than in Vktarget. The minimum for withdrawal is 50 rubles, the money comes every Saturday.
   
6. Likesrock (Laikesrock) - the project is just a bomb, there are a lot of tasks to complete. There is even a special program that makes it easier to perform. In addition to social tasks, there are simple views that can also be passed through the program. Pays in euros. It will take time to withdraw funds, because the minimum here is 30 euros, which is a big minus. Many authors claim that you can earn the minimum amount within 30 days. Below we present our own savings, proof of payments will appear soon.
   
7. Smmok-fb(Smok-Facebook) - the site was created for the social network Facebook. Lots of tasks to complete. The minimum withdrawal amount is 60 rubles, the money comes within 7 days. A big plus is that tasks appear during the day. You can earn 60 rubles in 2-3 days.
   
8. socialink(Sociallink) - expensive tasks to complete, but few, allows you to earn from 10-15 rubles daily. In general, the project is worth a closer look, because you can add existing social networks to it and make money on a full machine. The only thing that is very annoying is that the payment can be delayed up to 30 days. But in principle, the site is worthy of a separate tab in your browser, because from each site a little, that's the real income.
   
9. SocialTools - works with many social networks, the tasks are quite expensive and it will not be difficult to collect the minimum withdrawal amount of 15 rubles. In terms of complexity, the tasks are simple if you understand the navigation of the site. As in many similar job exchanges, here you have to add all the available pages, and, accordingly, the more of them, the higher the income.

In custody:

Vktarget analogues (vktarget) is a great opportunity to earn extra money without any effort and without special knowledge, everything you need to do, you do now for free. Using similar Vktarget sites, you can save a lot of money and start making more serious money on the Internet. Don't give up and you will succeed.

Using facebook is very easy, but not everyone knows how to use it safely without worrying about losing your account. So in this article, I will share with you some experience of using Facebook safely without worrying about your account being hacked or disabled.

Hello dear readers of the site! Through tutorials recover facebook password how to open facebook account disabled... I noticed that many people don't know how to use facebook safely disable many or lost chemistry accounts by being hacked... by others.

Losing Facebook accounts is often popular in the following two cases:

1. Be hacked. This means that other persons illegally gained access and then exchanged login information including passwords, phone numbers or gmail....
2. Disabled: i.e. the account is disabled on Facebook, possibly because you suspect you are using fake information or using more than 1 account, violating community standards....

As a rule, losing your Facebook nickname can be caused by you or a bad person, even if you know how to protect it, you will never lose your account anyway. Easy to open immediately.

Right now, I will share with you the experience of using Facebook safely, if you follow my path, make sure that 99% of your Facebook account will be safe.

Facebook Safe Experience

1. Use a phone number or a real email address to create a Facebook account

Many people use junk or other phone numbers to create a Facebook account, when they forget their password, they call the sky and claim the earth because they cannot recover their password.

Or sometimes still remember your password, but due to account issues, Facebook requires you to verify your phone number or email address in order to log in... if you no longer have a phone number or email registration, then take a nickname.

Therefore, the first thing you need to note is to use a phone number or an official email address to register your Facebook account. If you have used a phone number or email address that is no longer yours, or you no longer use it, please change it immediately to the actual email address or email address you are using.

To change your phone, go to "Settings" → "Mobile". To change your email address, select "Settings" → "General"(or by phone go to "Settings" → "Personal data").

2. Use of your full name and date of birth (corresponding to information on identification documents)

Many Facebook users often use strange, incorrect aliases, which is not safe, if the account is not made, this is normal, but if it is disabled, ask for identity verification ... this will be very difficult.

Many people disable their accounts for various reasons, but in general, in order to reopen, you will need to send a photo ID to verify your identity if your name, date of birth, address, picture avatar... is in your account Facebook must match the information on your ID in order to open again.

Therefore, you must use all information (name, date of birth, etc.) exactly so that your personal documents never bother turning off your account to verify your identity.

Perhaps many of you think that I did nothing wrong, will not be disabled, no identity verification is required, ... completely wrong, Facebook can disable your account at any time. Sometimes the reason is not you, for example someone fakes you to create a Facebook account, then this time Facebook will see that there are 2 similar accounts, they will block both to ask for identity verification of any account. which sends the correct id to be opened. Therefore, if you do not have identification documents that match your login information, you will not be able to open this Facebook account again, even if it is your main nickname.

3. Set up 2-layer protection

Facebook's two-layer security is a way to protect your account from being hacked by the bad guys.

When you have enabled the two-level security feature for your Facebook account, when you or someone logs into your account on a new device or a new IP address, Facebook will send a verification code via SMS to your phone number, please enter the correct verification code to continue entrance. So if other people want to log in to your Facebook account using their device, it will be impossible, regardless of whether they know the email, know their phone number and know your password, .... unless they get your sim .

May 18, 2019

Hello dear readers of the site! In this article I want to tell you about the site where you can order goods by mail. Goods come both from manufacturers and from aliexpress. The site is called obzoram.ru, it provides the most popular and purchased goods from the Internet.

The site provides several of the most popular categories, such as products for women, men, children, animals, auto products, cosmetics, health products and a variety of electronics that we use in everyday life.

The site every day gains a lot of positive feedback and is in demand among regular customers. Also, it is worth noting that on the pages of the site there are both positive reviews and negative ones. Here are some examples:

If you want to get acquainted with the range of products presented on the site, follow the link - all products. There you can find out about all the most popular products today.

Features of the site obzoram.ru:

• Intuitive interface.
• Constant updating of assortment.
• Only the most purchased and popular products are presented.
• Detailed overview of each item.
• There is a video presentation of certain products.
• Reviews are written in plain language, and sometimes with humor.
• The ability to publish your reviews on an ongoing basis.
• Customer comments, both positive and negative. (Well, how without them!).
• It is possible to order a review of a specific product with your affiliate link. (Payable service).

One of the features of the site is that you can write your review of the product and send it through the contact form, which is located in the menu of the site itself. Thus, you can earn a little, and maybe a lot). The most important thing is that the product is not repeated on the site and its uniqueness is 100%.

Absolutely everyone will be able to order goods in the shortest possible time and receive it with free delivery. Moreover, you will be able to fully learn about the product, its characteristics, where you can use it, how it works and practically what it is made of.

A lot of goods are provided with a good discount, and sometimes with additional gifts. The site has products with aliexpress, these are well-chosen from all the rubbish and which have a positive reputation for products. Also, they have a lot of positive reviews and photos received.

Site categories obzoram.ru:

1. Goods for women and girls.
2. Goods for men.
3. Women's jewelry.
4. Sporting goods.
5. Facial cosmetics.
6. Toys for children.
7. Goods for health.
8. Goods for pets.
9. Household products.
10. Auto goods.
11. Bed sheets.
12. Hunting and fishing.
13. Backpacks and bags.
14. Electronics.
15. Phones.
16. Intimate.
17. Games.

The product review site will give you a lot of positive experiences and give you access to fast shipping. Use only trusted sites that have proven their honesty. All articles of the site!

Mar 12 2019

A line of credit is the most sought after financing option for business owners. For what? The flexibility they provide is unparalleled.

While your typical loan term will give you a lump sum of cash to use - and pay off over time - a line of credit is more like a fixed amount reserve pool.
In addition to short-term and traditional lines of credit, small business owners can also look into lines of credit secured by certain types of collateral. In this case, we are talking about a credit line and a loan without guarantors secured by business equipment.

Here's how it works: Asset-based lenders care more about your future prospects than your past borrowing history (or at least they care about almost two). You get the equipment you need—a car, new exercise equipment, a printing press—and the line of credit secured by that equipment will give you a line of credit based on the value of your equipment.

The good news is that these lines of credit tend to come with more relaxed requirements, even if their highs and interest rates don't fall - but at the expense of collateral or ownership requirements in the event of a loan default, on this shiny new piece of equipment. They rely on the value of your equipment or inventory, rather than your borrowing history, to feel confident about your credit.

Letter of credit line

The basic idea behind invoice financing (also called accounts receivable financing) is that sometimes it takes customers a long time to get your money back, but you might not be able to wait. Instead of relying on short-term loans to cover operating costs or dig into your savings, you can simply pay those bills right away - though you'll have to cover the cost of that speed and efficiency.

An invoice-based credit line follows the same logic. The value of your bills determines your maximum unsecured business loan, and you can raise capital as needed instead of relying on your clients to pay on time. And as your bills grow, you will generally have access to more cash from the line of credit.

If you're a small business owner looking to expand your options or reduce your cash flow problems, one of these lines of credit might be right for you. Whether it's a standalone product or an additional source of capital, a line of credit is great insurance for your business.

It all starts with a little research, so this is the very first thing you should do if you want to buy a house. However, if you don't have the right direction to take a business development loan for your research, it can be just as beneficial as no research at all. Start first by finding the area you want to go to. As you do this, look at local schools, the average housing prices in the area, proximity to important amenities (like shops, mechanics, doctors, etc.), and the crime rate in the area. You can even use a search engine to look for local news in the area to make sure nothing is too negative to stand out.

Once you find some homes you like, the research doesn't stop there. You will now need to determine certain information about the property before you can make an offer. Here are some of the main things you should consider:

Understanding the competitive banking landscape helps community banks set the right prices, respond effectively to competing marketing, and compete more effectively. Analyzing the competition for accepting payments online can also help a bank be realistic about what products it can sell and at what price. Unfortunately, banking is not an easy industry to analyze. Community bankers sometimes fall into the trap of believing that they compete exclusively with other community banks - nothing could be further from the truth. Many existing clients and potential clients of community banks are also clients of national banks. In this article, we highlight several important trends that all public bank managers need to understand in order to be successful and more competitive with national banks.

With the increasing use of the Internet to purchase banking services, banks no longer compete with local competitors. The banking industry online payment methods is nationwide and is becoming less industry specific. Also, the competition isn't just another bank that can take out a loan or deposit, but it could be a credit union, an insurance company, a retail store, or a fintech startup (like Robinhood, which announced a 3% savings account).

Below is a graph showing the number of branches owned by commercial banks from 1998 to the last reporting quarter. The graph also shows on the right axis the percentage of branches owned by the top four, ten, and top 100 banks. While the number of branches has been growing over the past 20 years, top competitors are shrinking their branch network as a percentage of the total market. This is important because while the largest banks maintain their share of the deposit and loan market, they do so without expanding the number of branches.

The chart above shows that the top four banks own 21% of all branches, compared to 24% in 1998. The top 100 banks own 59% of branches, up from 63% in 1998. These banks continue to look for ways to deliver goods and services, increase market share while reducing their presence in storefronts. The graph below shows the volume of the domestic credit market of banks for the period from 1998 to the last reporting quarter.