The genome is now open code. That is why there is such progress. According to various studies, hiv does not have a common base, each pharmaceutical company has closed them with thousands of patents and is developing from scratch, which is why it is slow. Therefore, focusing is not to close, but to act quickly, realizing that they are breathing down your back. tinkov didn't invent the mobile bank, but when we said what we were going to do, we had a clear voice: "Let's do tinkov." there is no secret here. It has a successful revenue model. We did not have time to deploy the branch. Tinkov said that there is no market in ukraine. What did you rely on.
We understood this market. The banking market is quite specific. You can't help but understand the regulations. It is very difficult to make a separate product that will be international. When we conceived the english project (koto is an analogue of monobank, but for the british market - approx. Editorial offices), expected phone number database to be able to reuse a lot of everything. But in fact, only the cat was overused. You need to make a product for one market and succeed there. we understood the ukrainian market very well. And by the way, this is a very simple market, no matter how it sounds.
The first on it is privatbank, and the second is oschadbank. There is room between them to squeeze in. Oschadbank has a lot of reserves, to put it mildly, they are still growing and growing. Occupying this niche between oschad and privat and becoming the second is difficult, but realistic. Who makes the final decision on the product? In our company, all key decisions are made unanimously. This is a rather complex rule that sometimes delays the decision-making process, but on the other hand, it is a more balanced decision. A solution that suits everyone is more proven. It is more likely to work. No one will work with you if you take everyone's credit. You will never have followers. This is a team story. And to say that someone