Предприниматель | Информационно-аналитический журнал - Part 65

6 reasons why it is difficult to sell the Ukrainian clients online services

Consider a particular service – a platform for creating an online store that provides a model of SaaS (software application that resides on the server, the company delivered as a service, the customer pays for its use, and available on the Internet via an ordinary web browser). Like other companies working on this model, every day we are confronted with fears customers about the novelty of this version of the software delivery. For example, one such “store does not belong to me,” “you can not handle the load when the store will become popular,” “My business can outgrow the capabilities of your service,” etc. All the same, why sell SaaS-Services in Ukraine Complicated?

Lack of knowledge

Such services have focused primarily on small business, as big players in the West (like Salesforce.com), whose services are bought big players. And we have most small businesses still work offline. Advertising on the Internet to reach them, so you need to go online and explain what it is and how it can be useful for them. Therefore, almost all companies that sell software have to act “old.”


Small businesses generally people 30-50 years. They are a little inert, and not rely on services from the Internet, on which the company is theirs. Now of course difficult, but when it comes to replace the generation of 20-year-olds, the situation could change dramatically. In the better for this type of business (SaaS).


As for the lion’s share of mistrust is the security of customer data: “This is our confidential information, which will be with you”, “we connect, and you then sell all the competitors.” And so on. Indeed, in theory, this is the case. But with the same probability as the option with the theft and resale of the information in the company client. But for the SaaS provider’s concern for security – Goodwill, which directly affects the flow of customers, and hence on incomes. Provider is interested in organizing a major security that small businesses can not afford and hardly begin to implement. Many do not realize that use e-mail, including the time when some services are not used encryption protocol, which even a schoolboy could intercept sensitive data examining a pair or two online articles.

On the other hand, place your data in SaaS-provider can be a big plus in our country. Attackers can not take away from the server information as well as a SaaS-providers are usually placed abroad. Take the example of one company that uses accounting and accounting software, servers that host this information is placed in a car that stands in the parking lot at an office building where your company is located, contact the office via Wi-Fi network. In any audit of the company or blocking its activity by removal of servers and data leaving the car remain in absolute safety and are available for further work.


The rent is unusual: “Before I paid once, when buying a box!” Customer forgets about the so-called cost of ownership. Buying a box of software, usually the one setting is not limited. Do you need another implementation, the cost of which can draw on ten of these boxes with licensed software. Extension of technical support also requires payment. In the market there is little software manufacturers that provide free technical support “for life”. The cost of renewal is usually 20-40% of the initial cost of a boxed license. In the case with SaaS you always have the newest software and additional costs for updating and debugging does not carry. In addition, the location on the server (hosting) and questions about the administration takes the SaaS-provider, end costs as a result, small.


Another “stumbling block” against the SaaS-provider often comes from system administrators. They can find a lot of “arguments” but would not deprive himself and his assistants working on the installation, commissioning and support of enterprise software. But SaaS is not completely takes away jobs from administrators. The company is always “lots” of service jobs and the embodiment of corporate data security policies into practice.


Theme of piracy at this point is very relevant, and SaaS-provider may be one of the drivers of this problem. It’s no secret that many companies do not want to work on legitimate software, or can not afford it. In Ukraine, it certainly slows down the whole IT-industry and the development of the software market as a whole. However, SaaS can not be stolen, copied, or “spiratit” as the user is not available to the application source code, because he uses it in the browser. However, many SaaS-model providers are working on frimium (Freemium = Free + Premium), this is when the customer provides the basic free service with limited functionality. For an additional fee it gets enhanced. In fact, he pays only for specifically what they need. You can agree otherwise, the client has not paid rent for the software, and listed only a percentage of sales. This model of cooperation is beneficial for those with a small margin, a small turnover or unstable income.

It is human nature to see some flaws in something new. Once upon a time people feared the engine, which comes down on them from the silver screen. Modern technologies are helping customers improve their business in those places where it is needed and when it is needed. That’s the philosophy of SaaS-services. Based on this thesis, the owners of Internet shops can get great benefits by using SaaS, thereby concentrating their attention on sales and not on the support of the online store. Despite all the fears, the development of SaaS is hollow pace. In 2009, IDC analysts estimated the market at only $ 4.8 million, the forecast for 2014 is quite solid – $ 161.5 million

Author – Director of Marketing InSales.

Real Estate: Where is profitable to invest?

The easiest way to purchase commercial property in Puerto Rico, Singapore and Hong Kong, and the most attractive to the owner of Britain, Ireland and Iceland. Russia in the middle of both lists. To such conclusion experts of NAI, which analyzed the conditions for acquisitions and leasing of commercial properties (office, retail and warehouse) in 60 countries around the world: they compared the tax environment, the average duration of leases and the level of agency fees.

Transaction costs are minimal in Latin America, Eastern Europe, as well as in Puerto Rico, Singapore, Panama, Hong Kong, Korea, Colombia, the Philippines, Costa Rica, Estonia and Ukraine, concludes NAI Becar. But the income from the rental of the most stable in Europe, primarily in the UK, Ireland and Iceland. The market here is more civilized, and the country risks are low, passed through the representative of Colliers International CEO Max Gasiev. But for professional investors and property owners are very high demands on security transactions, and therefore transaction costs (including costs for consultants, due diligence) above, he continues.

In Ukraine, only a few buildings comply with conservative investors who are important long-term leases, tenants are reputable and stable income, conveyed through the representative head of research and strategic consulting Cushman & Wakefield Denis Sokolov.

Ukrainian businessmen themselves are willing to invest many years in Western Europe, as well as in the U.S., especially Florida, passed through the representative of NAI Becar CEO David Godsho. Property prices there more attractive than before the crisis and the economic situation is stable. At the same time, he explains, the aim of Ukrainian companies – not so much money (income above in Ukraine), but to diversify business . Russians are also investing in the countries of Central America (Mexico, Panama, Venezuela, Brazil). The most popular business centers, and in the developed markets of tourism – hotels. Commercial real estate Ukrainians and Russians less interesting Godsho concludes.

Tax on buying property in an average of 2-5% of its charge state, and usually pays the seller, according to NAI Becar. The highest tax in Belgium and Greece (12.5%), Chile, Japan and Puerto Rico, it is not, in the UK tax charge, but with the purchase of 500 000 pounds more expensive.

Severe restrictions on the purchase of real estate is in 22 countries out of 60, who studied company. This is mainly to Asia (including China, Japan, Taiwan), Latin America and some European countries (eg Russia).

The agent for the transaction, usually receives 2-5% of its sum (in the SG is an average of 2%). Reward the broker for rental properties is on average 8-10%.

New law for private entrepreneurs

May 16, 2011 on the official website of the Verkhovna Rada a government bill has appeared № 8521 “On Amendments to the Tax Code of Ukraine and some other legislative acts of Ukraine (concerning a simplified system of taxation and accounting to small businesses).” This bill, as its name implies, it is proposed a new vision of a simplified system of taxation for business individuals.

To be sure, immediately after the text of the bill, he for some reason disappeared from the site of the parliament, but as of May 23, the text of the document posted on the website again. Apart from him there were two alternative bill: № 8521-1 Natalie King (BYuT), № 8521-2 and Arseniy Yatsenyuk (OU).

Of course, in light of the recent legislative practice of most interest is a bill proposed by the Cabinet.

Without exaggeration, be called a sensational fact that the bill provides for abolition of restrictions on the classification of expenditures by payers of income tax expenses incurred in connection with the acquisition of goods (works, services) from natural persons, uproschentsev. True, such tax payers will have to submit a separate report to the tax (in the context of contractors – individuals edinonalozhnikov) arising from the entrepreneurs.

Recall the rule (sub-item 139.1.12 139.1 Art. 139 SC) at the stage of the draft Tax Code has caused an uproar among entrepreneurs. However, to date the item is valid.

The bill proposes a new edition of Tax Code Chapter (IC) dedicated to the simplified tax system (Chapter 1 of Section XIV of the Code). Under the bill all taxpayers – physical persons are divided into categories (depending on the amount of income, the availability of hired workers and the type of activity).

The first category includes those engaged in craft activities, retail sales of goods in markets (which is exactly in this category will get the current flat tax payers), the provision of consumer services. In this case they should not be employees, and annual income must not exceed 150 times the minimum wage. These taxpayers will pay tax at a rate of 1 to 10% of the minimum wage.

The second category includes those who are engaged in the production of goods, selling goods, providing services “uproschentsam” and the public (except for mediation in real estate transactions, as well as in insurance), the restaurant business. The number of employees must not exceed 10 people and annual revenue – 1000 minimal wages. The tax rate in this case will be from 2 to 20% of the minimum wage.

For these categories of taxpayers monthly tax rate within the above limits will be set annually by local councils, depending on the type of economic activity.

The third category includes persons engaged in other activities (subject to the limitations set by the TC). The number of hired employees shall not exceed 10 people and annual revenue – 2000 minimal wages. In this case the tax rate is 3% of the tax base for VAT and 5% – for non-payers of VAT (excluding manufacturers that implement only their own production, for which rate is reduced 2-fold).

Regarding the requirements imposed on to legal entities, edinonalozhnikam, you can select are: the number of employed workers shall not exceed 50 persons annual income must not exceed 5,000 times the minimum wage. Tax rates are established in a similar rate applicable to the third category of natural persons, edinonalozhnikov.

It should be noted, and one positive thing: the ability to register “uproschentsev” subject to VAT.

Among other provisions of the bill in a memorandum to him called, in particular, are:

  • cancel the 50 percent surcharge applied to the lockable tax rates for each employee hired;
  • limit the scope of the “uproschenku” (it should be noted that the limits apply to highly profitable activities. At the same time excluded from the list, such as Internet commerce);
  • Establishing grounds for revocation of the taxpayer;
  • Establishing financial responsibility for violating the terms of a simplified system, and others.

It should also be said about the appearance of another (special) category of taxpayers. This category includes those individuals – citizens of Ukraine who do not have the status of a self-employed and not systematically carry out business activities (non-systematic sale of goods).

Key requirements:

  • activities must be conducted no more than 4 times a year and not more than 15 days per month (thus, the total entrepreneurial activity can not exceed 60 days per year);
  • activities must be conducted independently, without the involvement of employees;
  • activity should be to sell manufactured or processed products, items, goods;
  • The cost of a one-time

  • of goods sold should not exceed 25 minimum wages.

This category of persons would purchase short-term certificates, paying 1% of the minimum salary for each day of validity.

This category of taxpayers may not include persons who sell vehicles, works of art, antiques and collectibles or organize tenders (auctions) of such items.

In general, the bill can be characterized as liberal. In any event, the fact that payers of income tax are entitled to a tax expense in carrying out operations with “uproschentsam” as well as the fact that “uproschentsev” will be entitled to register as VAT payers, it is an undoubted advantage.

Ruslan Fazlyev: Perspectives on E-Commerce

Perspectives on E-Commerce

Ruslan Fazlyev five minutes can open the electronic sale of goods on any website. What are the problems and prospects exist in electronic commerce.

Chairman of the Board FUIB: about Akhmetov, a group of SCM and the new merger

Constantine Weisman: “Brand” Renaissance Credit “should leave the financial market of Ukraine. We have the right to use it for 18 months from date of purchase. Our foundation – a natural growth, nevertheless possible point of purchase. The cornerstone of the merger are not put, but to deny such a possibility would have been stupid ».

Last year was FUIB, the bank that is a sector of the banking business of SCM Group businessman Rinat Akhmetov, the very rich. FUIB started to merge with the Donetsk “Donghorbank”, in the same year, a group purchasing and SCM bank “Renaissance Capital”, which should strengthen the retail sector groups.

On the question of why the banking business of SCM Group, these acquisitions, is it worth to wait for new purchases, the differences between the banking market in Russia and Ukraine, as well as on approaches to the work of the main shareholders – Rinat Akhmetov, said in an interview CEO of First Ukrainian International Bank (FUIB) Constantine Weissman.

you were appointed chairman of the board FUIB in the difficult period that you want from the CCM?

I went to the bank January 25, 2010. The main problem posed by the shareholders in front of me – it’s out of the bank a leader in the market and improved asset quality. The first half of 2010 was devoted to team building, as well as work on the strategy of the bank until 2015, which we completed in July. To work towards the restoration of credit, but at a much better basis than it was before the crisis. It is not about volume, but the quality and operational efficiency.

Who recruited a new team?

Today, the team FUIB – a group of qualified people who have more than a decade of experience in a bank, or in the structure of SCM, and new team members who have switched to us from other banks and international companies. Also, we have two board members who have joined us from the “Dongorbank” planned and others purposes. In the area of ??my attention are not only members of the board, but the heads of departments, and among them also a lot of new professionals.

Preparing for growth, we changed the structure of our corporate and retail businesses with the need to attract new people, and this work continues. Also created two new departments – the Department is managing strategic projects and processes (strategic projects and business processes of the bank) and the Department of Strategic Marketing.

What is the current share of income in total income SCM?

It would be better to talk about EBITDA of SCM and our profit before provisions and taxes. If so, then today is about 3%. Our challenge is to increase this share by 3-4 times up to 10% of the total income of over five years. This problem, which we discussed with the CCM.

Rinat Leonidovich is actively involved in the development of the bank?

Of course, the shareholder interest in the fate of the bank, he keeps abreast of, and sets targets. We discussed the development of the bank, and it was a dialogue, it was not: “That’s an order – do.” Something I’ve proposed, and with some initiatives, he agreed.

Certainly, Rinat Akhmetov leadership ambitions, therefore, have a business that is not the leader, in principle, for it is not very interesting. If the banking business will be efficient, but small – it is probably of little interest. If I were a shareholder, I would also like to have the leading companies in its portfolio.

you frequently communicate with him?

Yes, we communicate with him, but I can not say that this work is built. Corporate governance have been built in another way: we have a Supervisory Board consisting of representatives of the shareholder – JSC “SCM”. JSC “SCM” – a management company of the Group of SCM, which is different businesses, each business is responsible for the group level, we have it, Ilya Arkhipov, who is responsible for the banking business of SCM, and other members of the Supervisory Board FUIB. In turn, a CCM is the CEO.

No man with so many businesses can not directly deal with it all.

And this is the best practice, including over Russia, from which I came. If we talk about corporate governance practices, the SCM Group is close to the highest international standards. This does not preclude communication with the shareholder directly, but I would say that such direct communication is not at the forefront.

Will seriously reshape banking market? You expect massive mergers, acquisitions, entry of new major players?

My assessment is rather restrained, I believe that the consolidation process will go in terms of increasing the share of leaders in the organic growth of players. Today, their share of dispersed, even when compared with the Ukrainian system of Russia, where the share of major banks 5.10 significantly higher. Therefore it will be a process of consolidation, but I do not expect a wave of mergers and acquisitions.

As for new players?

The most serious group of players are probably the Russian banks, which exhibit a high level of interest in connection with the political picture in Ukraine after the presidential election is clearly increased interest.

A FUIB considering the absorption of large banks?

Our foundation – this is organic growth, yet may be some kind of point of purchase, that this growth is complete. Because if we do not know themselves how to grow internally, then no merger will not benefit us, not bring a new value for shareholders. Therefore, mergers are not put at the forefront, but we do not deny that the merger will be no more. We watch, scanning the market, this work is a constant. This does not mean that tomorrow will be a deal may be over time, and maybe it will not be at all. We should not depend on the fact that someone will buy.

How to plan to combine product line and FUIB « Renaissance » ?

Brand “Renaissance Credit” should disappear completely in the Ukraine, because this brand is owned by the Russian group “Renaissance”. We have the right to use it for 18 months from date of purchase. Accordingly, the bank “Renaissance” was purchased to supplement FUIB in servicing a wide audience of consumers in the segment of credit purchases of consumer goods, credit in shops, retail outlets. This mass market lending, unsecured loans only.

Retail portion FUIB – this entire line of products: and deposits and loans, checking accounts, Internet banking, all types of accounts, transfers and so on. If we are talking about loans, it is again unsecured loans, overdrafts, credit cards, auto loans is a mortgage – all classic products. What makes us different from each other – this is, above all, focus on different segments, because we (FUIB), we aim to serve middle and upper middle segment, while the “Renaissance” will be more focused on serving the mass segment. It might be different, and geography: we are currently preparing the final strategy will be different in the presence of different cities, even though both lines will be crossed.

What pace FUIB lending recovers?

Loans began to revive in the second half of 2010, especially with respect to the corporate segment, which was reflected in the growth of the loan portfolio. For retailers, we still observe a decrease portfolio, because two thirds of it – it’s the mortgage. Banks, having a big load of problems that arose as a result of the devaluation, the crisis and reduce the solvency of borrowers, have done work on the bugs, revised credit policy. We analyzed how to avoid interest rate risk and how to reduce currency risk, liquidity risk, credit risk, what are the requirements put forward to the borrowers, and so on. It takes time.

If we talk about the mortgage, when there will be packages available in this segment?

The market comes alive, and if we’re talking about a mortgage, then comes to life and property market, improving the status of borrowers. But prices continue to fall, and throughout the world. Market decline has slowed, but the recovery has not yet begun, so hurry on the part of banks is not here. We expect that the market will revive in the second half of this year. Those mortgage programs that are currently on the market, the mortgage in its pure form can not be named: the rate and number of market participants, and its volume. Therefore the output of banks in this market will be gradual. Rates of decline will also be gradual, due to several factors. First, we do not have foreign currency lending, and therefore cheap currency resources can not be adequately utilized and available to the public. If we take the hryvnia, the rates are still high enough in the market average of 14-16% per annum, but will certainly decline over time.

when you yourself are planning to offer a mortgage?

Right now the value of mortgages for customers, the first customers that will take it – it’s availability. So, when we go out, we think that the conditions for the borrower to have been quite interesting. Perhaps, our rates will be slightly below average. But miracles do not happen, so you can not expect the banks that they will operate at a loss, anyway, we will work with the margin. However, the lending rate will decline, I believe that affordable mortgages begins with 10-11% and below, we will come to this fairly quickly – a year and a half, maybe two years.

you think that foreign currency lending to do mass?

I speak as someone who came from Russia. When I see a lack of foreign currency loans in Ukraine, it seems strange to me. Here, everything is explainable, because the currency credit bears the currency risk. So on the one hand, I would like to liberalize foreign currency loans, on the other – I understand that, even for banks that carries some risk. There are several ways to solve this problem. First – absorption of foreign currency liquidity of banks and the ability to convert currency hryvnia through the central bank (NBU), providing long hryvnia National Bank. This mechanism is studied and as such can be started. The second method – a revival of foreign currency lending. If we are talking about corporate borrowers – are clients who either has a currency earnings, either financially stable, have good security in case of stress scenarios are able to service debt.

you consider reasonable requirement NBU to increase the minimum capital?

There should be some kind of extreme solutions. Of course, the banks need to increase capital, and National Bank of bar (120 mln.) Can be regarded as normal. Indeed, smaller banks may allow more risky operations, putting in jeopardy the entire banking system. There should be some general requirements for the organization of banks, the bank can not start with three cents.

It seems to me to raise the minimum amount of capital – it is not all that needs to be done. We have to think about how to facilitate the process of mergers / acquisitions. We need to develop Ukrainian financial institutions namely the Ukrainian capital, whether public or private, their share should be significant. The State and the regulator should monitor market landscape from this point of view. I think in this country may well be large financial institutions to work with the Ukrainian capital – both state and private. And I, introducing the second private bank in the country in terms of capital, I believe that the state should support banks with the Ukrainian capital, it can and immodest sounds.

true that banks are looking forward to the introduction of currency swaps?

Yes, it’s true. This is the mechanism which in principle is present in all countries and will enhance our ability to work with different currencies.

Recall: National Bank of Ukraine adopted the Resolution № 111, which allowed the Ukrainian banks not only to enter into swaps with each other and their customers, but also to enter into swaps with NBU, as well as enter into swaps between residents and nonresidents. According to analysts, innovation will broaden opportunities for currency speculation.

you are far from the policy? Your political preference?

Let’s just say I’m non-partisan. But you can not say that I apolitical, I care about what’s happening in the country. I am interested in the economic component of policy – from this point of view, yes, I’m interested. And this is reflected in a specific set of legislative proposals to the National Bank – liberalization, increasing the number of financial instruments, financial market development, protection of depositors and creditors. Position sufficiently proactive, but in my case it does not appear to belong to any of the parties.

Help! Constantine Weisman was born in 1969. Experience in the financial markets – for 17 years. Among the latest jobs – FC “Uralsib” (first vice-president for strategy and finance, treasurer), “RosEvroBank” (Chairman of the Board, a member of the board of directors) and “Credit Bank of Moscow” (Head of Financial Planning and Analysis, Deputy Chairman of the Board) . Since January 2010 he was appointed chairman of the board FUIB.

Michael Kusnirovich: We – a family company

We – a family owned company
Michael Kusnirovich puts the Russian Olympic team. In his company is working Bosco 5000, a turnover in excess of $ 600 million.

Apple capitalization exceeded the total value of Intel and Microsoft

June 6, it became known that the total value of the outstanding shares of Apple reached $ 317.6 billion in comparison, the capitalization of Microsoft and Intel, respectively, $ 201.6 and $ 115.2 billion

Thus, the market value exceeds the total capitalization of Apple these IT companies ($ 316.8 billion).

Demand for Apple products continues to grow. IPhone smartphone sales during the last fiscal quarter jumped to an annualized rate of 113%, reaching a record 18.65 million units. Within three months, Apple shipped 3.76 million PCs, which is 28% more than last year. Sales amounted to 4.69 tablets iPad million

According to analysts, for the price of Apple shares could rise to $ 460-470. As a result, the market capitalization of “Apple” will reach $ 434 billion, which will make Steve Jobs’ empire in the most expensive company in the world. Now leadership belongs Petroleum Corporation Exxon Mobil, whose market capitalization is $ 423 billion.

Ukrainian businessmen to boldly delegate

One of the “features of the national business” in Ukraine is the identification of the founder of the business itself with its own business and, consequently, very difficult relationship with the hired managers. About this told the candidate of economic sciences, teacher training International business and international financial markets Vladimir Danko.

According to Vladimir Danko, Ukrainian businessmen, who are owners or shareholders of the business in Ukraine, including owners of large businesses that are in the 90s and the first decade of two thousandth showed steady growth, the business is identified it with himself or with a co-owner.

“But the logic of the business world is that as soon as business becomes their feet, feature separate to the ownership and operational control. The owner, in this case, takes over the functions of strategic management – he already has a vision and a sense of the market. Yes, at some point the owner (shareholder) must hire, he can not comprehend the immensity. Need to hire good professionals, and the wider problem, the greater the volume of business – the more demand for these hired men “- said Vladimir Danko.

But in Ukraine, according to him, this transition is very hard, and the business is not good. Why? On the one hand, the expert notes that this mentality of Ukrainian businessman. “People who have developed here and continue to build their business the way they did 10-15 years ago. And today, they often conflict with the hired people because, often, incorrect evaluation of their role in business “- he said.

According to Vladimir Danko, such a situation – a bomb, and eventually, it will slow down the development of domestic business. “It is clear that the shift must occur in the understanding of the growing importance of hired managers with sophisticated academic knowledge and practical understanding of a business, including (and perhaps especially) foreign expertise. It is this layer of managers, intellectuals will be responsible for the formation of the competitive nature of national business, its value “, – stressed Vladimir Danko.

Small Business on the Internet

Only 35% of small and medium-sized businesses develop their business on the internet: have your own website, a page in soc. networks, or use online business directories in the end. These are the results of the study “IT market in Ukraine: the Internet for business.”

It turns out that in general the Internet activity of small and medium business in Ukraine is 30% lower than in Germany, Irlanii and Brazil. It is not even in the absence of many target audiences on the Internet, where they abound, and the model of Internet use by small businesses.

The most densely represented in the Internet business of tourism, industry and agriculture. As an outsider – retail. But here everything is clear, the majority of small businesses in retail – grocery stores within reach, the Internet is not interesting for them as for one reason, because their target audience – residents of nearby houses. A survey of employers showed that most entrepreneurs (58%) had never thought about creating your own website for your business . A Web page of their own opinion, no need to promote products and services. Those who got all the same site, consider that it is necessary only for the deployment of their contacts (82%) and concise information about the company (46%), as well as to accommodate the price lists (53%) . Only one in five of the surveyed entrepreneurs using the site for e-commerce.

Internet advertising market in Ukraine is growing annually by 30-40%. But mostly (85%) that the budgets of large and medium-sized enterprises. Small business operates while the old-fashioned – is investing in traditional offline advertising.

The average advertising budget of a typical small business $ 100 a month. Hardly the money you can hire a professional manager for advertising, so most companies advertise on the network. For example, the company provides services in organization of skydiving, ordered online business card. After that, the number of calls and orders increased, but the possibility of online booking site no. “To promote our website we use Google Adwords, Yandex Direct and” Runner “- says Yulia Buryakova, manager of the company. – We will understand this: if the number of jumps decreases, then the advertising campaign is over. ”

To change the careless attitude of businessmen to the Internet, large Internet companies offer free solutions for the operational activities of the enterprise. For example, Google launched a service Google Apps, which allows you to use a mail service, calendar, and organize video communication between staff, with the help of Google Docs to jointly create and edit documents, presentations and spreadsheets. Service allows free use of 50 accounts, which are also provided with the protection of antivirus and antispam.

Another practical solution for small businesses can become site builder with which you can parse “collect” the site for several hours. These services offer Google – Google Sites and Yandex – “Yandeks.Narod.” However, if you want your site to look decent in front of your customers better use the services of professionals. Also on the Internet, there are options to control the traffic to your resource, the most powerful of them, Google Analitycs.

The availability of free services in many ways to change the stereotypes of the high cost and inefficiency of the Internet. However, attach a small business network, experts say, will only successful example of a neighbor. When one entrepreneur makes his site with the designer, then you are likely to think about such a possibility.

Internet is 2.5% of GDP in Ukraine

The Boston Consulting Group and Google conducted an analysis of the Internet economy in 10 countries. For example, in neighboring Russia, which is not far away from Ukraine on the development of Internet technologies among the mass of the population? internet economy of Russia amounted to 1.6% of GDP, and this is the 2011 $ 19.3 billion in the Ukraine, of course the amount is much smaller but also impressive – $ 1 billion, 2.5% of GDP in Ukraine. And in relative and in absolute terms is less than in major Western European countries, but Ukraine has better dynamics.

“Ukraine – the most dynamic Internet market in Central and Eastern European region by the number of users, growing at 15% in 2010 versus 14% in Russia and 7% in Poland. As a result, over the past year, the total number of Internet users in the country reached 13.9 million people, “- says Victoria Tigipko, which itself has recently invested in several IT-projects.

BCG and Google have already conducted research in 10 countries. The analysis is taken as the basis of turnover of Internet services, and sales of network equipment and pay for Internet access. The main principle of the study – a comparative analysis of countries, the dynamics of growth and other indicators. Characteristic shows that the Internet in Ukraine is underdeveloped relative to Western Europe, but in a much better speaker than in the same Western Europe.

Favorite on deposits IT-sector in the country’s GDP for 2010 was the United Kingdom – 7.2%. Behind her are Sweden, Denmark and Hong Kong with the results of 6.6%, 5.9% and 5.8%. Of those who “grazes the back” – Spain (2.2%) and Italy (1.9%).

The purchase of goods and services in the Ukrainian spend nearly as much money as the connection to the Internet (in the UK, for example, 5 times), this suggests that consumers are not yet fully matured to a full online shopping, this process still goes on, experts say.

Most people use the Internet to search for the goods and make purchases in stores already. In the UK the opposite: online shopping in the lead as opposed to off-line.

At the moment, the reasons for the weak of online trading are well known: poor logistics infrastructure and lack of confidence in payment systems (on both sides, both from business and from customers), but one problem still is now less, broadband internet access (broadband) is in almost all major cities of Ukraine.