Business environment from Sberbank. Business environment Sberbank

“If tomorrow someone copies our platform, I will shake his hand”

How the Business Environment project will teach entrepreneurship

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In 2018, Delovaya Sreda, together with the Ministry of Economic Development of the Russian Federation, is launching an all-Russian platform that will collect everything that an entrepreneur needs in building a business - both useful services and content in more than twelve areas: in video, text and other formats. Partners of the company will help to record knowledge in certificates and diplomas. There are no analogues of the platform in the world.

The main goal of the "Business Environment" is to increase the number of small and medium-sized entrepreneurs in Russia through training in the practical side of business. The total investment in the project is 600 million rubles (300 million - a subsidy from the Ministry of Economic Development, the other half - funds from Sberbank).

Rusbase saw the platform even before launch: this is the case when the site wants to be bookmarked in advance in order to be the first to register. And most importantly - the project does not cause a feeling of "made for show".

We met with Andrey Vanin, General Director of Delovaya Sreda, and Evgeny Domnikov, Director of Marketing and Communications of the company, to discuss the prospects for the new platform.

What is "Business Environment"?

There is silence in the Moscow School of Management Skolkovo, and work is in full swing in the cottages of the Delovaya Sreda: here is the main backbone and management of the Delovoy Sreda. Another 200 people are programming for the project from other regions. Evgeny Domnikov gives Rusbase a short tour. We go into clean, tidy houses and see focused people behind computer monitors. On the walls are plans, reminders, dates, numbers. Each cottage has its own themed graffiti. For example, for programmers, this is the history of computers. The lawyers have a Petersburg landscape. “Is this Rusbase? And we are just reading you!” they smile.

Delovaya Sreda is a subsidiary of Sberbank, which was founded in 2012. Its mission is to support entrepreneurship in Russia. “In Russia, about 100 thousand LLCs and individual entrepreneurs are registered every month. Our task is to increase these numbers and create an environment for the entrepreneur, where he can find everything he needs,” says CEO Andrey Vanin company.

So far, no one has seen the Business Environment educational platform. On the site of the same name - a green screen with a monogram. It works in test mode for partners and programmers. It was shown to me in strict confidence. “Can we write about laconic design? And that its main background is white, the icons are gray, and the inscriptions are in corporate green-orange colors? “You can,” Vanin replies. You will be the first to see her. The platform is evaluated by our programmers and expert partners.”

Before demonstrating the functionality, Vanin shows a large diagram: “We started working on the platform with a study: we looked at how a Russian entrepreneur lives. This is a map. It all starts with inspiration, then comes the search for a niche, starting a business, choosing legal form, production, rental, recruitment and so on. An entrepreneur inevitably faces two points: entering the business and exiting. For some, the way out is connected with bankruptcy, someone has been successfully working all their lives. And someone initially creates a company for sale. Between entry and exit - a great life, a huge cycle of processes. And in Russia there is not a single company that would understand this thoroughly.”

Vanin points to the wall of the office: it resembles an Excel spreadsheet, only instead of cells there are landscape sheets. Above - the names of the spheres and the names of the main curators, whose task is to help collect competent content and understand the sphere.

Agile wall in Andrey Vanin's office

“We signed our own ignorance of the path of an entrepreneur,” Andrey Vanin explains the idea of ​​curating. - Therefore, we began to look for advisers who are well versed in these cycles. For example, the cycle "Inspiration" has a co-curator - Black Star. Why exactly them? One of the three co-owners is Timati, a famous artist. Black Star themselves have 13 businesses: burgers, barbershops, clothing, music label, clothing, gaming. They are successful entrepreneurs and can influence the youth. If they say sports are cool, people start playing sports. Black Star has a desire to say that entrepreneurship is cool. And their millions of people will follow them.”

Andrey Vanin

Black Star created a program "People of Action" is a federal educational project that includes a media channel, a community, an international forum and an online learning platform. On YouTube they release videos with well-known entrepreneurs who share business experience.

“Google and Mail.Ru Group became co-curators in the track “attracting customers,” continues Vanin. - Often, attracting customers in Russia occurs through the Internet - social networks, "Yandex.Direct". In the "Personal Efficiency" block, the co-curator is Gleb Arkhangelsky, a recognized expert in this field. The role of the co-curators is to fill the platform with us on a certain topic.”

Andrey Vanin

CEO, Business Environment

Three main challenges when creating a platform

1. Content

We couldn't have done it alone. Therefore, co-curators worked closely with us. When we conducted our research, it turned out that entrepreneurs have a request to filter a large amount of data, since chaos reigns on the Internet: every person who has completed a course personal growth considers himself an expert or trainer. Poor quality content, “couch” expert, lack of reviews - all this can cause failure and failure for a novice entrepreneur.

The platform acts as an editor who filters information with the help of curators.

If you now enter “How to open a business in Russia” in the search box, several tens of thousands of links will come up. How do you know which is correct? You can ask friends. You can take the time to read everything. Or you can get scared, close the window and continue to build a business on a whim.

Our platform not only aggregates everything in one place, but also reviews the data flow.

The platform is very complex from the technical side, more than 200 IT specialists were involved in the development.

For consultations, we called the Gartner IT company. They asked us to search the world for something similar to our idea in order to buy the development and adapt it to Russia. But nothing like it was found.

Our platform is based on a marketplace of educational programs and services. Yes, there are marketplaces like Coursera, the largest aggregator of educational practices in existence. There are B2B marketplaces - Alibaba or Amazon, where goods or services are sold. Yes, you can order a product on the site and they will bring it home to you, but you cannot order an accounting service in the same way. It is not enough to buy it once: you must constantly update the database and upload documents, forward letters. Therefore, we decided to develop a new platform.

3. Design

Our the target audience- 5.8 million people with registered businesses in Russia. These are all ordinary people - both from Moscow and from the regions. Owners of beauty salons, tire fitters and so on. We had a tough task - to make the interface as simple as possible. We held a big competition, where we weighed the ratio of quality, the significance of the project and the price. The concepts were defended by leading design bureaus. Most interesting offer, which met all the criteria, was at the studio of Artemy Lebedev. This is not just a website. It should be visually pleasing to read and watch.

"Business environment" relies not only on already working entrepreneurs, but also on young people. Those who will become entrepreneurs in the future.

To my question, how do modern fifteen-year-old teenagers differ from their peers who grew up ten years ago, Andrey Vanin answers this way: “Modern youth and teenagers are more free from stereotypes - they were born and live in the Instagram era. That's why we called Black Star - so that they communicate with the young in their language. Yes, I am no longer a "youth", but I internally share their values. I have three children. The eldest daughter is 23 years old, the middle son is 9, and the youngest is three. I learn a lot from children, because they have different attitudes, different perceptions.”

Platform functionality

Why the project will be in demand

Sberbank already has educational program, which is implemented jointly with Google - "Business class". How will it relate to the platform?

- "Business class" is a six-month program in which people are trained in entrepreneurship. In 2017, 37 thousand people completed the program, in 2018 we plan to increase this number to 100 thousand. And on the platform "Business environment" there will be a squeeze from these courses in the format of videos - they will close one of the branches of the "Start a Business". If you want, you can study there.

Why is such a project needed in Russia?

More and more people are interested in entrepreneurship. It is not necessary to build your own business - just reading about it is enough. Our research has shown that most business failures in Russia occur at the start, moreover, from a banal lack of knowledge.

My daughter opened a coffee shop at 21. I didn't intervene on purpose. The project closed after four months. Why didn't she succeed? IN mall with the mass flow, she began selling high-end coffee. I just didn't guess with the niche. Why? There was no knowledge. And our platform helps to minimize errors. We do not doubt the relevance of the project.

Graffiti in the Business Environment office

Suppose I want to open my own business and I understand that I lack knowledge. And I choose one of the MBA business schools. Are they your competitors?

No. In general, we are for competition. Because it contributes to the birth of cool products. The platform itself is a marketplace for which partners produce content. We are like a hypermarket that lists products with a certain review. This is interesting to everyone: we have not had a single refusal of partners.

Some of our educational partners have their own schools where diplomas are already issued. So yes, this will be the practice. The same Coursera draws customers in with this. If you really like the content from a partner, no one will stop you from enrolling in their training.

What post-effect are you looking for?

Increase share of GDP in business and the number of entrepreneurs. We plan that in a year on the platform will be trained 100 thousand people.

What if we take a five year period?

We live in a world that is rapidly changing. Before Delovaya Sreda, I was a member of the board of the Moscow bank Sberbank. Previously, Sberbank developed a strategy for five years. A few years ago, we switched to a three-year adjustment. In 2013, Sberbank adopted a five-year development strategy with adjustments. And in 2014 there was a crisis. And none of the scenarios came true. Therefore, we do not think in terms of "five to ten years." We have a task: a certain number of registered, trained users, filling the platform of services. We will look at the needs and reactions of entrepreneurs and make adjustments. For feedback there will be a special button.

The project is being implemented on the terms of co-financing. How many years do you plan to recoup the investment?

About three years. The main source of income is paid services.

Project partners

The platform has more than a hundred partners in all areas and two general partners.

First general partner, "Yandex", helps the "Business environment" in the technical direction. Companies are also considering launching mobile application with the voice assistant "Alice" - for those who travel by car. The second general partner is Opora Rossii, the largest public entrepreneurial organization, which participates in assessing the relevance of content and tells the Business Environment what knowledge businessmen lack.

Already, the site has implemented systems based on Big Data that analyze the behavior of the client. For convenience, in the future there will be a search by keywords and personalization of content. Registration on the platform is free. And the “Services” section (registration of a business, opening a bank account, online accounting, personnel search, legal support) paid. And the good news is that Delovaya Sreda will try to keep the educational block free of charge as much as possible.

How will you attract users?

What stereotypes do you and banks have to deal with first of all?

That starting your own business is scary. Therefore, one of the tools of our work is the "Inspiration" block, where acting entrepreneurs talk about their path and thus motivate the audience. Recently, we asked Vadim Dymov to tell his story: he went from an ordinary resident of Vladivostok to the owner of a “sausage empire”. We also plan to shoot similar short films. There are three films in the process now - we want to release them once a month.

Let's be honest: in the last 70 years, entrepreneurship in Russia has been carved out. All countries developed, and we stood still. The business boom in the country began as soon as communism collapsed. The task of the "Business Environment" is to revive entrepreneurship. You can't deal with this alone. But we are not alone. Recently, NTV, together with Vnesheconombank, launched a reality show in support of start-ups, Idea for a Million, which is starting to be popularized on TV. There are already opinion leaders in Russia who promote entrepreneurship: remember Oleg Tinkov’s “Business Secrets”, Dmitry Portnyagin’s Transformer channel, Sergey Kosenko’s vlog, Yevgeny Gavrilin’s Life B, Black Star’s People of Deeds. Schools are gradually introducing the basics of entrepreneurship: students create a company and calculate a strategy, financial risk. It is important.

When we started digging into history, it turned out that there are many people in Russia who are famous in cinema, literature, and science. And all entrepreneurship ends with Savva Morozov. In principle, we have no history of entrepreneurship.

We need to strive for what China is doing now: Jack Ma, the founder of Alibaba Group, is talking about business on every corner and on all screens. An entrepreneur in China is a national hero. We also hope for a progressive community of young journalists who will also talk about business.

"Business environment" develops six service areas, each of which is aimed at solving practical tasks entrepreneurs: "Bank" (selection and online processing of applications for Sberbank loan products), "School" (over 130 video courses on business topics), "Shop" (catalog of "cloud" applications for business management), "Market" (international electronic trading floor and services for the promotion of goods), "Club" ( social network legal entities with a proven track record), Zhurnal (a daily online magazine about entrepreneurship).

The project's online store contains cloud products designed for doing business: for automating workflow and accounting, managing employees, transactions, etc. Entrepreneurs have the opportunity to take distance business training programs at the “School” of the “Business Environment”, receive financing services in the “Bank” section, use the “Market” service to put up their goods and services for sale and find business partners.

As of October 1, 2013, 103 thousand individual entrepreneurs and companies in the micro and small business segment were registered on the Business Environment website. Data for November 2013 - 110,684 Russian companies segment of micro and small businesses became participants in the Business Environment project from Sberbank. The maximum number of companies using the Business Environment portal falls on the Volga region (10.2 thousand legal entities), followed by Moscow (9.5 thousand), South-Western (7.6 thousand) and Central Black Earth regions (7.3 thousands). If we talk about the areas of the company's activities, then about 80% falls on trade enterprises (40%), services (28%) and construction (11%).

2013: Structure of sales of cloud services in subsidiary company of Sberbank "Business environment"

A third of sales of "cloud" applications for small businesses are accounted for by online accounting and preparation programs tax reporting, 24% - for services for effective management customer relations and sales organization. Applications for inventory management, sales registration and analytics account for 14% of the total. This is the structure of sales of cloud services in the subsidiary of Sberbank Delovaya sreda, which combines on its platform more than 40 business applications from independent Russian developers and carried out more than 60,000 sales in 2013.

The championship is held by applications created for online accounting and making it easier for users to prepare reports for various government agencies. Requiring installation on a computer, "boxed" solutions to these problems, which dominated for many years, are gradually giving way to their "cloud" options, the share of sales of which in "Business environment" was 31%.

Separately, it is worth noting the high demand for applications for managing relationships with customers and other counterparties, aimed at increasing sales. Their share was 24%, which may indicate optimistic sentiment in small and medium-sized businesses (SMEs) and an emphasis on development.

Cloud applications for warehouse management and trading activities are inferior to the previous leaders with an indicator of 14%. The high demand for them is associated both with the convenience and advantage of these programs, and directly with the fact that a significant part of small and medium-sized businesses traditionally falls into the retail sector.

The active development of online trading and the increasing importance of the Internet channel in communications predetermined relatively a high proportion applications for creating websites and online stores - 9%.

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 large businesses prefer to open a current account for an individual entrepreneur in Sberbank online. 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

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 a new package for start-up entrepreneurs. Opening an account for those who decide to join the Easy Start program will cost 0 rubles. The terms of service and the tariff scale are built in such a way as to reduce the financial burden on the company 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 the 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 a partner 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 wide range of options, arranged in an online planner format.

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 is the CEO of the Business Environment project, owned by Sberbank and created in 2012 to "develop 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 an internship include - free transport from the metro, a pass to the territory of the Skolkovo business school, access to a coffee maker, "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.

I saw this video on the Instagram of Pavel Kuryanov, director of the Black Star production center, and only after that I registered on the Business Environment website. This idea seemed very interesting to me, because I consider the development of entrepreneurship to be the most important matter For Russia.

I don't know what the design was like in 2017, but I managed to find a screenshot of a 2012 page on vc.ru. The business environment in 2012 was as follows:

Among the partners are Yandex, Google, Mail.ru, Headhunter, Consultant+, HSE, Skolkovo, Business Molodist, Black Star with its People of Business, League of Time, Opora Rossii and Sberbank itself.

The fact that such info-business projects as Business Youth and People of Business are among the partners indicates that the state recognizes their merits and considers their products worthy. It would be logical to supplement this list with the companies "Synergy" and "Like Center". But if "Synergy" is present on the platform, then I have not yet seen "Like Center" on this platform. I think that this entrepreneurship center has a chance to get on this platform and advertise its events and courses under the wing of Sberbank.

Site structure

There are three main sections in the site header: knowledge, services and events. In the "Events" section of this moment there is an announcement about the Synergy forum and about the next flow of the Workshop from BM.

Services currently have "Launching Soon".

Therefore, the main page and "Knowledge" are the main sections in which there is the most information. There are 13 items on the main page:

• In trend
• Inspiration
• Starting a business
• Operational management
• Staff
• Finance
• Customer acquisition
• Sales
• Personal efficiency
• Management of risks
• Right
• Business development
• Exit business

"In trend" popular or recommended content is displayed on different topics: courses, films, articles, services. For example, the Business Class course from Google and Sberbank. On this platform, it takes only 52 minutes. But I know that the same course is on a separate site and it takes much longer there.

I tried to run a course video on this platform and nothing started for me, although there is already a course page and 3 reviews. In general, the site is still raw. Hope the bugs get fixed soon. At least it is much easier to register on it than it was in 2012.

In chapter "Inspiration" hanging course "The Way of the Entrepreneur" - these are 3 documentaries by People of the Business with a total duration of 42 minutes and an article from Business Youth about the pit.

Next, you can download e-books free without sms about Alibaba and innovation and read an article by Ukrainian information businessman Oles Timofeev. And if I didn’t manage to launch video courses, then books download perfectly in the right format.

Next section "Business start": articles from BM, Kontur and Ecwid services, video courses from Vladimir Kalaev from the IIDF, Mikhail Peregudov from the Food Party and even from Fedor Ovchinnikov, the founder of Dodo Pizza.

In chapter "Operational management" You can watch video courses on business models and free download the book "SCRUM: A revolutionary method of project management" for reading or in MP3 audio format, as well as read articles about management, team motivation and multitasking.

Next section "Customer Acquisition" already closer to me, so a little more about him. The book "One-page marketing plan", courses and articles on setting up advertising and promotion in social networks.

Chapter "Sales": There are no books here yet. But there are articles from amoCRM and courses with Dashkiev and Kusakin.

Chapter "Personal Efficiency": here are several books, including "Time Drive" by Gleb Arkhangelsky in PDF and MP3, several of his own courses and articles from Megaplan.

"Management of risks": there is a whole course with "bad advice" on how to fail a business. Well, and other courses and articles about human, economic and other risks and ways to avoid them.

Chapter "Right": here we have legal advice from the Ministry of Emergency Situations, Rospotrebnadzor and SKB Kontur.

Chapter "Business development": training awaits you here strategic management, scaling and capturing foreign markets.

Chapter "Out of Business": the guys provided a business path from start to finish, so there is such a rather exotic section on how to close a legal entity or sell a business.

IN "Knowledge" the same content is built in a slightly different way. You can choose from consumption types: all, read, watch, learn, act. For example, select "Watch" and the page is arranged in collections for the same items only from top to bottom from "Inspiration" to "Business Exit"

Conclusion

1. I consider the creation of such a single online platform of knowledge, services and events for entrepreneurs to be a very cool idea that moves our economy forward.
2. I believe that this topic was covered very poorly in the media, both in state and commercial ones. Initiatives of the state and state corporations that promote the development of entrepreneurship should have priority in the information field. So far, few understand the vital importance of this process.
3. By combining content from the best business coaches on the platform, the state, represented by Sberbank, recognized not only the legitimacy, but also the benefits of business education in the formats developed by the most popular business schools. This should improve the reputation of business training as a way of self-development and, in the future, increase the number of entrepreneurs in the country. The more of them, the richer the country.
4. But this platform also has serious problems. Firstly, this is the rawness of the product: a video that doesn’t work, hyperlinks leading to nothing and other small jambs, which, I hope, will be fixed soon.
5. Secondly: conceptual ill-conceived. Lots of content that is very loosely structured. Ideally, it is necessary to conduct an entrepreneurial competency test, evaluate the user and his needs, and issue content according to an individual training program. I am sure that Sberbank has enough capacity to make a working system. Otherwise, all this content is practically no different from what is posted on YouTube and the rest of the Internet, and then the question arises, why should a person use this platform if he already has YouTube?
6. Thirdly: what follows from the previous paragraph is the system of motivation. It is not enough to assess the abilities and needs of a person. It is not enough to offer him an individual training program. It is also necessary to lay motivation and the ability to use the received content in it. Today, people have access to all the knowledge of the world, but the highest popularity on the Internet is not for developing content, but for entertainment. This motivation should be laid from the first step.