Commerce technology is one of the five major categories of technology. Commerce technology represents not so much machines as ways of doing things-new practices which make commerce more efficient and profitable. They can also make RGOs or factories more profitable.
Commerce subcategories
Financial Institutions
The Financial Institutions subcategory increases tax efficiency. Inventions will also decrease factory costs. Business Banks also increase greatly farming output since 3.04.
| Technology Name | Activation Year | Default Cost | Effects from technology | Effects from inventions |
|---|---|---|---|---|
| Private Banks | 1836 | 3600 | Allows  Cement FactoryActivate: CementTax Efficiency: +3% |
- |
| Stock Exchange | 1836 | 7200 | Tax Efficiency: +5% | Tax Efficiency: +3% |
| Business Banks | 1850 | 10800 | Tax Efficiency: +5% | Factory Cost: -3% Farming output: +50% |
| Investment Banks | 1870 | 14400 | Tax Efficiency: +5% | Factory Cost: -3% |
| Bank Inspection Board | 1900 | 18000 | Tax Efficiency: +5% | Tax Efficiency: +2% |
| Mutual Funds | 1919 | 21600 | Tax Efficiency: +5% | Factory Cost: -1% |
Monetary System
The Monetary System subcategory increases Administration efficiency. Inventions will also increase tax efficiency.
| Technology Name | Activation Year | Default Cost | Effects from technology | Effects from inventions |
|---|---|---|---|---|
| No Standard | 1836 | 3600 | Adm. Eff.: +5% | - |
| Ad-Hoc Money Bill Printing | 1836 | 7200 | Adm. Eff.: +5% | Tax Efficiency: +6% |
| Private Bank Money Bill Printing | 1836 | 10800 | Adm. Eff.: +5% | Tax Efficiency: +3% |
| Central Bank Money Bill Printing | 1850 | 14400 | Adm. Eff.: +5% | Tax Efficiency: +4% |
| Modern Central Bank System | 1870 | 18000 | Adm. Eff.: +5% | Tax Efficiency: +2% |
| Market Determined Exchange Rates | 1900 | 21600 | Adm. Eff.: +5% | Factory Cost: +10% Consciousness in Non-Colonial: +0.01 |
Economic Thought and Critique
The Economic Thought and Critique subcategory increases factory input efficiency. Inventions will also give prestige.
| Technology Name | Activation Year | Default Cost | Effects from technology | Effects from inventions |
|---|---|---|---|---|
| Early Classical Theory and Critique | 1836 | 3600 | Allows  Lumber MillActivate: LumberFactory input efficiency tech: -1% |
Allows  Furniture FactoryActivate: FurnitureAllows  Paper MillActivate: PaperAllows  Luxury Furniture FactoryActivate: Luxury Furniture
|
| Late Classical Theory | 1836 | 7200 | Factory input efficiency tech: -1% | Permanent Prestige: +3 |
| Collectivist Theory | 1836 | 10800 | Factory input efficiency tech: -1% | Permanent Prestige: +7 |
| The Historical Theory | 1850 | 14400 | Factory input efficiency tech: -1% | Permanent Prestige: +7 |
| Neoclassical Theory | 1870 | 18000 | Factory input efficiency tech: -1% | Permanent Prestige: +13 |
| Keynesian Economics | 1900 | 21600 | Factory input efficiency tech: -1% | Permanent Prestige: +4 |
Market Functionality
The Market Functionality subcategory improves RGO output and diplomatic influence. Inventions will also improve factories. The last technology unlocks 
Oil.
| Technology Name | Activation Year | Default Cost | Effects from technology | Effects from inventions |
|---|---|---|---|---|
| Freedom Of Trade | 1836 | 3600 | Allows  Luxury Clothes FactoryActivate: Luxury ClothesDiplomatic Influence: +10% Mining output: +10% Farming output: +10% |
- |
| Market Structure | 1836 | 7200 | Diplomatic Influence: +10% Mining output: +10% Farming output: +10% |
Factory input efficiency tech: -2% Factory output efficiency tech: +2% Factory throughput tech: +5% |
| Business Regulations | 1836 | 10800 | Diplomatic Influence: +20% Mining output: +10% Farming output: +10% |
Tax Efficiency: +2% Factory Cost: -5% |
| Market Regulations | 1850 | 14400 | Diplomatic Influence: +20% | Tax Efficiency: +3% |
| Economic Responsibility | 1870 | 18000 | Diplomatic Influence: +20% | Factory Cost: -3% |
| Government Interventionism | 1900 | 21600 | Diplomatic Influence: +20% | Allows Synthetic Oil Factory Activate: OilFactory Cost: -1% Loan Interest: -1.5% |
Organization
The Organization subcategory improves factory output efficiency.
| Technology Name | Activation Year | Default Cost | Effects from technology | Effects from inventions |
|---|---|---|---|---|
| Guild-Based Production | 1836 | 3600 | Allows  Canned Food FactoryActivate: Canned FoodFactory output efficiency tech: +1% |
- |
| Organized Factories | 1836 | 7200 | Factory output efficiency tech: +1% | Factory output efficiency tech: +3% |
| Scientific Management | 1836 | 10800 | Factory output efficiency tech: +1% | Factory output efficiency tech: +3% |
| Time-Saving Measures | 1850 | 14400 | Factory output efficiency tech: +1% | Factory output efficiency tech: +6% |
| Management Strategy | 1870 | 18000 | Factory output efficiency tech: +1% | Factory input efficiency tech: -3% |
| Organizational Development | 1900 | 21600 | Factory output efficiency tech: +1% | Factory output efficiency tech: +2% |