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  Most small business owners indicate that credit is somewhat easy or very easy to obtain. The Wells Fargo quarterly optimism index shows that small business optimism has been on a steady rise since 2017. A survey done by Wells Fargo in May and June indicates little change in small business owners' views on credit Relationship with Credit According to the Small Business Credit Survey, in the last five years, 44% of small businesses had used a bank for funding, this indicates "a prior lending relationship ." According to the survey, " banking relationships are more common among larger firms, firms with better credit scores, and firms with white ownership." Almost half of the firms covered in the Small Business Credit Survey had access to credit. According to the report, 49% of the firms had their financing needs m e t and only 30% had unmet financing needs. According to a survey done by Wells Fargo in 2019, " 53 percent of business owners indicated ...

A breakdown of services offered, year incorporated, annual revenue growth, global reach, and number of gig workers, along with examples of how content localization is applied by the company is provided in the brief below for Airbnb, Cabify, Care.com, Etsy, Fiverr, Lyft, Task Rabbit, and Uber. An explanation for why these companies were selected as the top 8 gig economy companies is provided in the last section of the brief. AirbnbFounded in 2007, Airbnb is headquartered in San Francisco and has additional offices in Portland and Seattle in the United States, and across the globe in Beijing, Dublin, Montreal, Singapore, and Tokyo. The company has an estimated 13,346 employees. Airbnb has more than seven million listings in over 100,000 cities located in more than 220 countries and regions. Accumulated guest arrivals since inception numbers over 750 million . Airbnb is a privately held company, and as such earnings' data is not usually placed in the public domain. Revenue was est...

Talking about money has always been a taboo subject in the United States because it represents status. The more money one makes, the more it influences how successful they believe themselves to be. Consequently, individuals believe that others assess their success according to the amount of money they generate. HISTORY/BACKGROUND OF WHY TALKING ABOUT MONEY IS TABOO Historically, the money-talk taboo originated from the land-owning class within England . Since the nation was small, the inhabitants developed stringent regulations on who owned land, and how it was passed down to future generations. Presently, they continue to follow a land guide etiquette , which lists landowners, along with any related titles. As an unwritten rule, as with property, they developed a custom that those with money do not need to discuss the subject. In the past, parents raised their children in a way to avoid disturbing them with adult matters , such as their income, debt, and savings and evaded speaking ...

  Adoption of renewable energy and digitization are some trends impacting the global energy sector. There is limited available information in the public domain regarding how key players are facing these challenges, although some insights can be extracted from their marketing efforts and investor relations. Details about the current state of the global energy industry can be found in the attached slide presentation . Trends and Challenges The global energy industry is moving towards renewable sources of energy, particularly wind and solar. Over 75% of all new investments in new capacity were devoted to renewable energies in 2019, with China and the United States leading the pack. Digitization is another trend. Despite being commonplace in other industries, the energy sector tends to be a slower adopter of new technologies. Cloud computing, robotics, IoT, and big data are emerging trends that are likely to change in the next few years.   COVID-19 is one of the challenges the ...

  Canadian shoppers differ from American shoppers in several ways, including how and why they purchase products online. Affordable prices are more important to Canadian shoppers than American shoppers. However, American shoppers are more likely to seek deals like promotion codes or coupons. DIFFERENCES BETWEEN CANADIAN AND AMERICAN SHOPPERS Product Choice & Recommendations Canadian shoppers consider recommendations from friends and family more important than American shoppers.

  Additional online platforms that help grow Instagram followers include Firing Table, Instamber, Social Buddy, Social Sensei, Tree Frog, Ampfluence, Upleap, and Social Captain. Firing Table   Here is the link to the Firing Table's website. Firing Table is an online platform that helps its users grow their organic followers. F i r i n g Table engages with Instagram users based on how their clients instructed them. Clients work on content while Firing Table manages follower growth. According to its website, Firing Table has served 12,482 satisfied clients and has gained

  The pandemic has pushed the internet into the forefront of importance for all Americans. It is the topic of daily conversation and considered as essential as electricity by some. The lack of connectivity not only impacts those that work from home, but it impacts the students of America, which is our future. When looking at how the conversation has changed over the years, we see the internet go from being described as a luxury to a necessity of dire importance. We also see an urgency to correct connectivity issues to prevent further harm to those who do not have proper internet connectivity.

  Small and medium-sized businesses usually adopt digitizing processes to save on expense and storage space along with improved efficiency. There are many unmet needs in this industry. Some businesses struggle with incorporating their paper documents with their digital documents, legacy systems, process control, and data silos. Ultimately, educating businesses on how to use the systems and the multiple benefits gained, can go a long way in the success of the process. SMBs and Digital Documents- Facts Almost 78 % of small to medium size businesses are using digital documents to manage their businesses.

Digitalization, consulting, and partnerships are areas that Honeywell has invested in its process automation. These areas have also adopted trends that continue to help Honeywell stay afloat in the business.  Digitalization Integration of Operations Honeywell's digital journey seeks to transform into an industrial software-centric company . In 2019, the Honeywell Forge platform was launched to integrate all of Honeywell's existing plant applications that enable customers to get a holistic view using real-time data, enhanced with analytics and recommendations. Honeywell Forge provides industries with role-based dashboards displaying industrial processes through KPI overview and current operating performance.

Gamification uses systems of rewards and interactive experiences to encourage customer interaction with a brand or product. These experiences used in marketing target potential customers with traits such as competitiveness, achievement-oriented, and community-oriented.        Competitiveness   Competitiveness refers to an intrinsic desire to surpass the achievements of others. A competitive person will persevere in a game until achieving victory, which means the person may engage in the gamified content for long periods of time. Gamified content appeals to persons with a competitive nature by using public leader boards and scores , which allow customers to compare their scores to other players. The United States Army uses competitive gamification in recruitment, using a multiplayer shooting game requiring tactical skill. Players compete in this game, while analytics determine who may possess the skills of a good soldier. Achievement-Oriented The trait of being ach...

An in-depth analysis of the hypothesis along with meticulous research data reveals that consumers tend to be more cautious and economical during a slowdown and thus look out for cheaper or discounted products trying to be at par in quality to their used brands. This however breaks the concept of brand loyalty thus disproving the hypothesis crafted.  ANALYSIS The specified hypothesis is disproved by virtue of the research as it has been observed through various sources and channels that consumers tend to be more cautious and economical during a slowdown and thus seek cheaper or discounted products that are on par in quality to their used brands.    CONSUMER BEHAVIOR SHIFT The 2008 financial crisis altered consumer behaviors to an extent that the effect on how Americans are inclined towards cheaper alternatives is still visible. Large retailers fueled this by changing perceptions and training consumers to anticipate products cheaply and swiftly, which ruined the con...

Predicted Change in Retail E-commerce: If there’s one thing every forecast shares , it’s that the market share for e-commerce will expand dramatically, perhaps even doubling. With more people doing more of their shopping online. Cash: Businesses with the best balance sheets will ride out this crisis best. Companies with too much debt will not make it out of the pandemic, a painful lesson in natural selection—one that should not be lost on any retailer. Expect executives to look at their cash positions much more closely going forward. Inventory: With most major retailers canceling new orders even if they were in process and refusing to accept incoming shipments, the supply chain will be overloaded with merchandise this summer and into the back half of the year. It will be a buyer’s market to be sure—but that won’t mean margins will hold up. No matter how strongly the consumer returns to the market, Holiday 2020 is going to be cutthroat. Adoption of Tech: The combination of ch...