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Welcome back well whether or not only over the fiscal -- there are some major hurdles it could stay in the way of small business is growing in the sluggish economy in 2013 here with his top five business predictions for 2013 is the CEO of new -- the small business authority very -- -- -- -- -- -- be at our annual let's get right to -- cities -- five -- business predictions for 2013 things that businesses need to do.
Let's start with.
-- -- one.
Well obviously be patient protection affordable health correct kicks in in 2013.
A lot of business customers are -- -- and they need solutions and I think you're gonna see businesses start to manage their employee headcount going from full time employees to part time employees.
And there's actually some businesses that are thinking of taking their headcount and creating two companies to get -- that fifty employee when it really -- -- up the companies did not -- those caps you talk about growth through lending -- number two here.
More credit is going to be available this is something people -- waiting for.
-- pretty tight credit is still tight the regulatory environment is still difficult because banks frankly you've got -- loan quality -- on an overall basis so.
Businesses are looking at other sources of lending there's entities like business development corps BDC's.
There's micro lending opportunities in this crowd funding opportunities which is -- baseman -- Angel investors.
With the SEC is reduced some of their limitations.
For businesses to be able to get funding.
This seems like a pretty elegant Embraer e-commerce is is the way it is again it's a Cyber Monday shows us that that's what people are doing out -- It's growing significantly but it's still frankly at low levels probably online sales are only about 7% of total sales.
Com they actually estimate that mobile commerce could be about a trillion.
In revenues in 20162017.
So -- commerce is growing significantly there's a lot of businesses that are still not online and on on an online present.
-- makes no sense to me and a lot of businesses that don't know that they can just go created simple website to get online so you can jump on your mobile device if you're outlook for pizza shop you most likely looking at it looking forward on your mobile device -- -- out -- -- on the line.
Now the customer you just lost its advertising as -- being able to take payments and for as little lose 72 -- three year you can have a site on line designed and hosted.
Cyber securities going to be big thing yes well well we're seeing more hacking into sites see the Pentagon gets hacked into and down.
Businesses are going to need to have a product -- actually rolling -- a product to surveil web sites very affordable.
Where you actually can protect the business owners website and all their important data.
By actually hacking into the site and showing the business with the venerable her abilities are.
And doing it on a constant basis it's an interest in product cyber security is big.
You and I were talking in the commercial break here but the cloud in the future here in 2013 is businesses think about their infrastructure we had a lot of disasters and so sandy was so hurricane was all sorts of other things.
Getting stuff off site and up in the cloud somewhere.
It's essential I mean at the end of the day the days of having all your data stored in a tower under your desk.
Or lawyers or accountants are -- as having all their critical -- information in a closet on site those days are gone.
Businesses are gonna have to keep their confidential customer data.
It is safe secure military strength -- facility.
Off site and be able axis it from a Smartphone or tablet well.
Quite the world we live it out very slump it's changing and how ready thanks for joining us today very -- from CEO thanks but you -- Are ready.
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