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An economic downturn is a phase of the business cycle in which the economy as a whole is in decline.This phase basically marks the end of the period of growth in the business cycle. Economic downturns are characterized by decreased levels of consumer purchases (especially of durable goods) and, subsequently, reduced levels of production by businesses.

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Sales turnover and net profits may follow a rollercoaster pattern familiar to most business but when the cash flow dries up the game is over. Urgent attention to the management of working capital can provide every business with the cash resources to exploit its potential Most businesses will experience periods of lower sales and times when losses may be incurred as expenses exceed sales income. The situation is recoverable by producing higher sales and reducing costs and expenses. A business that runs out of cash resources is dead in the water. Debtors and sales income management The objective is to obtain payment from customers as fast as possible improving cash flow and minimising the risk of bad debts and not being paid at all. Payment terms offered to customers should be clearly stated and fixed as standard accounting figures according to the amount of funding the business is prepared to offer its clients. Because that is exactly what credit terms to customers is, free cash funding in exchange for eventual sales income.

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Safety of Perfect Money electronic payment system, the technical aspect

For the developers of e-currency system it was very important to create good security system because in case of at least one hack, the reputation of the company will suffer a lot. Next we are going to discus the technical component of protection to make a conception of Perfect Money’s work.

Now to prevent different interceptions or breaks into the system, there are powerful algorithms if information scrambling. These algorithms are based on such methods of cryptography which in USA are equal to weapon. It is possible to decode it but such actions would cost several million dollars. And here there is a question if there is a person who wants to spend such a big amount to get currency of Perfect Money’s clients?

Most electronic payment systems use such schemes, that the banking and personal information never will get to the "seller". In some systems, this kind of information is not sent by the Internet, but it passed by fax, by phone, by regular mail. Such a scheme is used in Perfect Money payment system.

Thus, our answer to the question if it is possible to crack Perfect Money’s security system, is no, it is almost impossible. So to decode transactions which are scrambled in Perfect Money using appropriate encryption algorithms is practically impossible. Almost means that, at least until a hacker breaks a code, the necessary text will lose any value. Specific security measures are used with everything related to money transfer, and especially to the transfer of electronic currency. Of course, it is possible that the scrambling algorithms of Perfect Money can be found. But rather the potential threat to the security of the electronic payment system may come from the "human factor". It is needless to say that computer centers which work with very important operations such as electronic cash issue, mutual settlements between the clients, should be protected as good as a repository of gold reserves and State Bank. But everywhere work people…

Therefore, of course, payoff and blackmail of personnel can not be excepted, because using such methods criminals can find out keys, passwords etc. and gain control over security system. This, however, is improbable because in systems with a good level of security the most important information distributed among a large number of employees and computers, so that one person just does not know all the information and criminals need the cooperation of all these staff to gain full control over the system. This reduces the risk a lot. And in general, it is not Perfect Money’s problem only, the process of information and money transfers completely protected at the moment. Summing up everything what was told above, we can say that the security of Perfect Money is on a rather high level. Trying to hack the system it is necessary to waste a lot of time and a big amount of money. If we speak about «human factor», Income tax it minimized, therefore, one should not consider it as a potential threat to security of the system. From day to day technologies evolve, so without improving the safety and protection of send money online, it is impossible to exist and be successful on the market in the future. If the leaders of Perfect Money maintain its level of protection at the proper level, then there is nothing to worry about.

Unfortunately, fraud and a desire to profit doing nothing exists throughout the history of mankind, therefore every company has to spend money, which could go to company’s development, to a multilevel security system.

After reading this article, one should have a general idea of the technical side of security systems, which is important to know if one wants to keep money as electronic currency. As a general conclusion we can say that Perfect Money is well protected and safe system that does not concede to other analogs.

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