10 Reasons Why Digital Marketing Is Important

The world is rapidly getting to be noticeably computerized. Individuals are expanding electronic substance speedier consistently. Organizations and the world when all is said and done are beginning to perceive the significance of going advanced. And it is basic that showcasing offices adjust rapidly to the new conditions and effectively contract experts in the field of digital marketing.

What is Digital Marketing?
It is the advancement of things or brands by suggests that of a minimum of one sort of electronic media. It is critical, in light of its fast development as well as on the grounds that it is basically the fate of showcasing. Many individuals surmise that customary advancement will soon be supplanted completely.

The new strategies are quicker, more down to earth and adaptable than the old conventional ones.

The New Media age has arrived and it’s the ideal opportunity for individuals who have not yet adjusted to open themselves up to this strategy for cooperation and comprehend the different advantages of digital marketing by Digital Marketing Company.

1. More Cost Effective
It is more financially savvy than conventional advertising. This is particularly imperative for independent companies as they don’t have numerous assets or a considerable measure of capital. New media can give you a less expensive and more powerful promoting channel.

2. Use Content to Connect with Customers
Utilizing computerized content either supported or free enables you to associate with customers substantially more adequately than boards, post office based email or PR battles. The quality of your online awareness now straightforwardly connected to the accomplishment of your business.

3. Cater to the Mobile Consumer
Innovation has developed so much that versatile contraptions are never again viewed as minor other options to PCs or tablets. 91% of grown-ups in the only US generally include their cell phones inside achieving separation and routinely utilize them to peruse the web. The biggest gathering of purchasers is utilizing their cell phones every day, so it’s fundamental that you utilize an advertising arrangement that objectives these gadgets appropriately.

4. Realise Higher ROI and Revenue
By expanding your computerized outreach, you can build your income. The more information that you can separate from your effort crusades, the better your expectations and along these lines ROI will be.

5. Track Your Customer’s Journey
Utilizing analytics like Google analytics, you will have the capacity to screen all your client’s activities, inclinations and show signs of improvement understanding into their conduct. Investigation enables you to assemble the persona of your client with the goal that you can offer them the ideal experience.

6. Increased Conversions
On the off chance that you have an online business and you are promoting items and administrations on the web, you can without much of a stretch measure your prosperity by approaching movement that gets changed over into endorsers, leads or deals and along these lines you can compute and enhance your transformation rates.

7. Encourage Social Media Engagement
On the off chance that you need your organization to develop, you can procure new customers utilizing different web-based social networking channels. Ensure constantly to concentrate on your customers in light of their ages, interests and country. Along these lines, you will have the capacity to better connect with them and support engagement through digital marketing by Digital Marketing Agency.

8. Get More Likes
A few people disparage the significance of online networking as a major aspect of their advanced advertising effort. The more “Facebook likes” or “tweets” you get, the more your organization can develop and manufacture trust and validity with your clients. It can likewise convey activity to your site on the off chance that you utilize these channels to advise your adherents about rebates, new items, blog entries and friends news, and so on.

9. Get Ahead of Your Competitors
Most business has officially surrendered conventional publicizing techniques and concentrates rather on Google AdWords, SEO or Social Media. With such a substantial number of contenders out there, it is to a great degree difficult to promote your private venture and extend past the pack. In any case, you can use Google Alerts to hint at change thought of where your adversaries stand. You can screen their publicizing methods or things so you can learn things that could improve your own business.

10. Earn People’s Trust
Digital marketing showcasing develops from social confirmation, web-based social networking signs and genuine tributes from customers who have beforehand utilized, joined, obtained or benefited by an administration or item promoted by your business. Most customers would believe an administration or an item when individuals they know give positive input or data about a specific brand.

It is vital to comprehend the significance of actualizing advanced advertising in your business procedure. The utilization of new media in the 21st century is not only a shrewd venture choice – it’s fundamental; it’s a standout amongst the most effective advertising channels with many advantages that can help develop and extend your business.

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4 Reasons Why It Benefits to Use SEO

The beautifully designed website with plenty of high-quality content isn’t likely to reach its intended audience if you haven’t spent time on SEO (Search Engine Optimization). A well planned approach to marketing and promoting a website is certain to help maximize your business efforts. Here are a few reasons why it benefits to use SEO:

Low-cost

The ability to rank a website organically in the search results can be relatively low-cost when compared to other ranking methods such as pay-per-click. Once a website reaches a top position, you have the option to rely on its natural high positive to attract plenty of consistent traffic without needing to allocate on ongoing advertising budget.

Even though the results of SEO aren’t likely to be immediate, the time invested can start to pay back rather quickly. Once the first signs of the increased traffic start to arrive, it should continue to grow at a steady rate. Providing the SEO work was done to a high standard, the site ranking should stay quite stable over the long-term.

Brand credibility

Any website that is ranked high in the organic search results gets to benefit from brand credibility. The reason for this is that most people believe the top listed sites in the search engines are reputable and trustworthy companies. But, the opposite can apply for lower ranked sites which users will be more skeptical about. Also, it further benefits to get a high listing in the search results because more and more people are using an ad blocker to stop the ads appearing.

Competitors

There is a very high chance that your main competitors are involved in SEO. Most small businesses that are starting out realize that SEO has wide-ranging benefits and is very important to take advantage of it. So, if your competitors are actively ranking their website and you aren’t, they will easily get more hits and sales than you. Even if you believe you’re offering the best prices or services, the website that has the top listing is more likely to get the most attention.

Next level

With a proper SEO program in place there is every possibility that you will see a significant boost in daily visitors to your website which can take your business to the next level. This can give an opportunity to expand on the services or products offered and even to upgrade you web server requirements to take account of the higher visitor numbers and sales.

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How Google Updates Affect Your SEO Campaign

Google updates its algorithms quite often. In fact, if we visit Google’s algorithm update history, it is easy to note they roll out new updates multiple times a month, and several times a year. Some updates include simple changes in the aesthetics of the search results page, whereas others include the introduction of new ranking factors.

We all know performing SEO on a website is continuous work, a routine. Actions made today will only reflect on your traffic down the road, and it takes patience and persistence to continue.

However:

Things out of our control can happen and ruin all the methodical and daily work we’ve done for our website’s SEO: the drastic changes in Google’s algorithm!

Does That Mean I Should Change My SEO Strategy Every Time Google Releases a New Algorithm Update?

While it is good to pay attention to these updates, you shouldn’t worry about having to change your entire SEO campaign.

Google Algorithm updates represent new ranking opportunities and criteria that SEOs should comply with, which is why SEO is a continuous strategy.

So, Why Does Google Update Its Algorithms So Frequently?

Google constantly releases algorithm updates in order to maintain its superb online advertising and search services. Several things can go wrong when running a business online, causing it to shut doors unexpectedly.

When this happens to a brick-and-mortar store, it is easy to see they have officially closed down; however, how can you tell if an online business is still operating or not?

That’s where “Bots” come in!

Google has “crawling robots” that go around discovering and inspecting websites 24/7. If Googlebots can’t get to your website, it will never be indexed. This means if Google can’t see your website content, then it won’t rank your website either.

You can avoid all this stress by performing technical SEO strategies to ensure your website is visible to crawler Bots, loads at fast speed, and depicts a true representation of your brand image.

Once your website is discoverable, Bots will analyze the layout and structure of your business, indicating how Google should be evaluating and ranking your website. Clues such as breadcrumbs, structured markup and sitemap can help guide the Bots through your content, pointing out the most important pages and blocking the ones Google shouldn’t consider.

Why Are Google Algorithm Updates Necessary?

What makes Google better than Bing, among other search engines, is the speed, accuracy and quality of the content it provides in its search results page.

Think about it:

If the search results page displayed links to websites that had little to do with what you actually searched for, or if it took too long to display it results, wouldn’t you try a different service?

We would!

That being said, Google is looking for the best content available online, so it is safe to say that “content is king”! Quality content must be helpful, informational, readable and digestible – not just fluff.

The general rule of thumb here is:

“the better the content, the higher are the chances it will rank on the first page of search engine results.”

Choose Quality Over Quantity – Always!
Since its inception, Google has been fighting off cheating practices of rank manipulation. This includes link schemes, link spamming, hidden keywords and keyword stuffing. Such practices are known as “black-hat SEO” and are used to boost website rankings.

Most people would like to know how long it takes a website to rank on Google, but the truth is there are no pre-determined deadlines for search engines; trying to bypass the process will only work against you.

Understand this:

“More content” doesn’t necessarily mean “better content”,
which is why Google rewards websites that offer value to its users, punishing and removing the schemers from search engine results pages.

What Should I Do When Google Releases Algorithm Updates?

Ultimately, Google relies on a broad network of trust indicators that help determine the most reliable and trustworthy sources available online.

Besides quality content, another main trust indicator is the amount and quality of links pointing back to your website, known as backlinks.

The same rule mentioned above applies here: choose quality over quantity! You can always find people offering hundreds and thousands of “quality” backlinks to your website for very little investment, but if some of them are “spammy” and not trustworthy, Google will mark your website as untrusted, and will remove it from its search engine results page.

Once Google has established your website as spam, it will require double, triple, or quadruple amount of effort to help it bounce back.

Quality backlinks are directly associated with Domain Authority (DA), a metric calculated by evaluating linking root domains, total links and more that helps predict how a website will rank on search engines, like Google.

Thus, for effective SEO strategy, building and managing the link profile of a website is crucial to improve its domain authority.

In Conclusion

While rankings will constantly oscillate, your position on search engines results pages should not shift drastically if you follow these principles.

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Benefits of Credit Card Machines for Business

Other than credit card machines, technology has produced many notable effects, including the credit card machine. In the 21st century, people open themselves up to technology from the very center of their being. It has the added benefit of leading to an increase in the use of credit and debit cards. Additionally, the coronavirus’ arrival has also contributed to the increased use of contactless transactions. EMV cards are replacing magistrate premium cards. EMV chip cards give you the ability to make contactless payments. The merchants must have advanced payment terminals to accept such payments.

Credit and debit cards are used almost exclusively in today’s business world. To take your business to the next level, you must associate it with a credit card machine. The processing and payment services you need for online sales include a merchant processor that provides you with an online payment gateway. There will always be online modes that people will prefer to use, regardless of the volume of transactions. As a result, you have to use an advanced piece of equipment, such as a credit card machine, in tandem with your business.

Advantages:

Just because we’re living in the 21st century, it’s impossible to conceive of life without modern technology. A large number of businessmen prefer to stick to established business models. However, sometimes you have to alter your plans according to the current situation. This means that you need to be one step ahead of everyone else in the business. You will lose customers otherwise. An establishment that gets access to a credit card machine will enjoy countless benefits. Listed the benefits; so, don’t miss the following:

Obtain Legal Recognition for Your Company:

Accepting card payments using digital payment terminals is a legitimate business practice, so it should help your company a lot. The card brand name will be printed on the POS, and thus the customers will have no problem noticing it. This logo will be featured on the same online marketplace as well. The greater the number of customers from outside the country, the more money you’ll make.

Increase Your Profitability:

To accept various forms of payment, like credit cards, Google Pay, Apple Pay, and more, use a credit card machine at your business. Creating a positive impression on your customers is quite simple, but it also keeps your customers loyal. A credit card machine, thus granting flexibility in the ecosystem of online payment, provides customers with many payment options, thus allowing them to pay bills in various ways.

How to stay ahead of the competition:

Many businessmen have not yet fully embraced digital equipment, making small-business models in the early stages of transition. To accept online payments, your business equipment must be upgraded. If customers are no longer carrying cash, you can outpace your competitors. Research has shown that when customers use their cards to make a purchase, they spend more. Additionally, because you will make a substantial profit from accepting card payments, it’s highly recommended that you do so.

Cash Flow Improving Measures:

The customers’ card payments get settled quickly when they pay with a card. Everything is done electronically, so you don’t have to go to the bank to deposit the money. Additionally, you don’t have to wait for customers to pay you. Your cash flow will thus improve.

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Are You Choosing the Right Stock Market Advisory Company

What do you do if you want to learn driving a car? You will try to find an expert teacher, isn’t it? You do not want to avail the services of a novice individual to help you out, but a professional person can provide you the vital tips and most importantly guide you efficiently. Similarly, when it comes to investing in the stock market for the first time, you require a knowledgeable advice to attain your financial goals and get profitable returns.

If you are a beginner, then it is quite obvious that you may be having no information about the process of buying the right shares in the market. In such a situation, getting the right tips from an experienced financial advisor or a registered advisory company will truly prove to be a great blessing in disguise. However, there are some of the important things that have to be kept in mind while choosing the top stock market advisory company, which are as follows:

How much assistance do you actually require?

Before you make up your mind to hire an advisor, it is imperative that you must first decide about the kind of service you require from them. You may need their help at the beginning or during the time of any issues. This is because an advisor has to formulate a map according to your requirements. Hence, it is suggested to ascertain your needs first and then take further action.

Choose a top ranked advisory company

It is a very important point that has to be taken into the consideration. Availing services of the well known advisory company or a financial advisor is an absolute necessity. Make it a point to carry out a proper background or research work about the company. Check out their credentials, reputation, experience, etc before hiring them.

Asking for a sample financial plan initially makes sense

When hiring a financial advisor, then do not forget to ask for sample plan first. It is imperative to note that there is no such thing called the perfect plan. A sample plan will help you to determine whether an advisory company is actually making sense according your requirements or not.

Conclusion

The financial planners or advisory companies can really turn out to be the greatest asset for you if you choose the best one. They are just like the professional sailors who can help you out to sail through stock investment related problems quite efficiently.

Deepak is a financial advisor who likes to provide quality tips to the people facing any issues with regard to investing in the stock market. He likes to keep himself updated about the stock market by reading articles, news and blogs, etc.

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5 Areas Where Interest Rates Matter!

Although, we hear, a lot of opinions, about, interest rates, and their trends, and impacts, very few people seem to understand, the significance, and importance/ relevance, of these rates, in several areas of our lives! After, many decades of involvement, in political campaigns, leadership, leadership training/ planning, real estate, financial sales and consulting, etc, I strongly believed, one benefits, by understanding, more about these, and how they affect, many things, in our lives! Whether, related to personal, organizational, and/ or, public finance/ spending, home ownership and related costs, credit – related issues, business matters, stock and bond pricing, etc, interest rates, truly, significantly, matter! With, that in mind, this article will attempt to, briefly, consider, examine, review, and discuss, 5 of these areas, and how the cost – of – money, makes a significant difference.

1. Bond prices and interest rates: The price of a bond, generally, is inversely – related to interest rates! When these rates go down, prices, rise, and when they go up, the inverse occurs! Bonds have, what is known, as, a par – value, which is the price, paid, at the end of the term. Markets usually set these at 100, which represents $1,000 per bond, at maturity. However, during the period, the pricing can rise or fall, which impacts, liquidity – related issues!

2. Mortgage rates: For the last few years, we have been witnessing and experiencing, record – low, mortgage interest rates, which have helped the overall, real estate/ housing market, especially, in terms of, pricing increases! In most areas of this country, we are seeing, home prices, at their highest levels, ever, by a significant, dramatic amount! When this rate, is low, a home buyer is able to buy, more – house – for – his – bucks, because, his monthly payments, are so low! Consider, however, what might be the potential ramifications, and impacts, when these rates, will, inevitably, rise?

3. Consumer credit: Low costs of borrowing, help the automobile industry, in terms of consumer financing, etc! Although, not as much as other vehicles, rates on credit card debt, are lower, and there are often, shorter – term, promotions, offering deals! However, since, most of these are variable, and based, on some index, etc, what happens, when there is an increase, in this?

4. Business borrowing: Another area affected, is business cost of borrowing! Presently, they have had access, to relatively, cheap – money, which helps in reducing the costs of borrowing, overall operations, purchasing inventory, etc. But, what happens, when this, ticks – up?

5. Impacts on stock market prices: For some time, because bonds have paid so little, in terms of dividends, etc, many have considered, the stock market, the only game, in – town! In addition, many corporations, have seemed, better – off, than they probably are, and we have witnessed, a higher, ratio of prices to profits, than in the past! How long will this last? How high can it go?

Many factors impact these issues, especially: actual and/ or, perceived inflation; consumer confidence; politics/ government actions/ the Federal Reserve, etc. The more you know, and understand, hopefully, the better – prepared, you will be!

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Setrega – A Global Analytical Regulatory Platform

Setrega is the Global Regulatory Analytical Platform which provides a comprehensive solution to the financial institutions for complying with one or more Regulatory Authorities. Through highly customizable and end-to-end automation, Setrega helps clients to configure Reporting Data, Reporting API, Connecting/Integrating Settings, Report Generation Requirements, Report Validation Requirements, Report Submission Mode and Feedback Management. As a Global Regulatory Analytical Platform, Setrega is designed to integrate with any financial services firms to receive regulatory data and process them to regulatory reports in specific formats with minimum customization effort.

Currently, all financial institutions are facing problems with dynamic changes in regulatory requirements, implementation risks associated with regulatory reporting and managing regulatory report error handling. All financial institutions are forced to adapt to these challenges and continuously seek for solutions which are cost-effective and accurate, with real-time feedback management. Sensiple’s Setrega fits into this emerging environment by supporting multiple Regulatory Authorities with an end-to-end automated solution.

Regulation Complied Preconfigured – ESMA – MIFIR/MiFID II, Monetary Authority of Singapore (MAS), Superintendencia Financiera de Colombia (SFC) etc.,
Significant benefits of the Global Regulatory Analytical Platform are,

Automation Capability

Financial Institutions gets the advantage of preparing and submitting regulatory reports without manual effort.

Comply with new Regulations without risk

Setrega provides flexible data source configuration, API mapping and reporting format changes with minimum customization in product level which ensures relief from regulatory and compliance risks for the financial institutions working in various regions.

Scalability

Depending on the Institutions type like Buy Side/ Sell Side/venues, Setrega is scalable in terms of increasing number of connections, the humongous volume of data, more number of reports and formats, increased number of submission modes and regulatory authorities.

Transparency

Handling a large volume of data gives challenges in managing data to auditing; Setrega makes it more accessible by allowing the clients to have full control over data by powerful data transparency method.

Dashboard

Setrega act as a one-stop shop for all regulatory reporting for financial institutions. A vastly informative dashboard in Setrega provides all historical, current and scheduled regulatory reports and its internal & external statuses in graphical and tabular representations.

Regional Coverage

Financial firms who run their business across the globe get benefited from Setrega as one solution solves all the regulatory and compliance needs. It is successfully verified with major regulatory frameworks like MiFID II and NFA (National Futures Association) and regulatory authorities like SEC and SFC.

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The Rise of Online Payment Gateways

The cashless payment system is growing exponentially with evolving payment methods, rising e-commerce use, enhanced broadband connectivity, and emergence of new technologies. Can increasing incidences of cyberattacks and spams hamper the growth of online payment market or will it continue to grow at a rapid rate?

The global digital payment industry is expected to hit the USD6.6 trillion mark in 2021, registering around a 40% jump in two years. The cashless payment methods are rapidly evolving with ground-breaking innovations such as mobile wallets, peer-to-peer (P2P) mobile payments, real-time payments, and cryptocurrencies. In the growing digital age, many payment technology companies are collaborating with traditional financial institutions to cater to the latest consumer and merchant preferences. Due to enhanced broadband connectivity, increasing mobile commerce, emergence of new technologies such as Virtual Reality, Artificial Intelligence, and rapid digitization, billions of people have started embracing contactless payments in both developed and emerging countries. Besides, surging e-commerce businesses, digital remittances, digital business payments, and mobile B2B payments are boosting the non-cash transaction ecosystem.

Cashless transaction method users across various generations are widely adopting the digital peer-to-peer (P2P) apps as they are more appealing and flexible to use. In-app payments or tap-and-go transactions take seconds at the checkout and allow users to make payments anytime and anywhere. Tokenization, encryption, Secure Sockets Layer (SSL), etc., offer multiple ways of securing payments while enabling digital transactions. Moreover, the users do not have to fill in information every time to complete the payment process. Thus, online payment gateways play a crucial role in the economic growth, enabling trade in the modern economy. With social distancing rules in place, digital payments have become an obligation for contactless transactions rather than just a transaction alternative to prevent the spread of coronavirus.

Digital Commerce Empowering Businesses
Electronic payment systems have become a crucial part of businesses as consumer inclination towards online shopping is expanding. With broadening internet penetration, increasing use of smartphones, and diverse options for e-transactions, most consumers are preferring online channels over traditional brick-and-mortar stores for shopping. Therefore, businesses are shifting online with an electronic payment solution to maximize their profit earnings. Automating the electronic payment system eliminates the scope of errors and saves a considerable amount of time and effort. High standards for detecting and preventing fraud in digital transaction systems and AI-based fraud detections protect users from security breaches. By providing the flexibility for making payments through credit/debit cards, mobile money, e-Wallet, etc., the businesses can expand their customer base. The electronic payment process improves customer satisfaction as customers do not need to count cash or deal with paperwork whenever they want to make the transaction.

Biometric Authentication Enhancing Security
Biometric authentication involves recognizing biometric features and structural characteristics to verify the identification of an individual. The verification method can involve fingerprint scanning, facial recognition, voice recognition, vein mapping, iris detection, and heartbeat analysis. With the rise in identity theft and fraud, biometric authentication has become a reliable and secure alternative for making digital transactions. According to a recent research, biometrically verified mobile commerce transactions are expected to constitute a massive 57% of the total biometric transaction by 2023. Biometric payment cards are also becoming popular as they support tap-and-go payments, allowing users to make faster digital transactions. The digital payment technology provider, Worldline is partnering up with the French FinTech, A3BC (Anything Anywhere Anytime Biometric Connection), to protect mobile phones from intrusion with a two-factor authentication process. The combined solution eliminates identification through a single touch, rather it recognizes fingerprints through a picture of the hand. MasterCard is planning to bring FinGo’s vein-scanning payment solution that facilitates users to authenticate transactions.

Dominance of Mobile Wallets
In 2019, mobile wallets overtook credit cards to become the highly adopted payment type globally. Digital wallets offer flexibility to users to store multiple payment methods in one digital home and turn cash into electronic money required for online or in-store purchases. Financial institutions have already started to embrace the digital wallet trend by offering virtual cards to business customers. The virtual cards stored in digital wallets consist of details like 16-digit card number, CVV code, date of expiry and work just like the physical plastic card. Currently, only 37% of merchants support mobile payments at the point of sale, but with the rising adoption, merchants are willing to invest in technologies facilitating digital wallets. The virtual wallets can save money due to low processing costs as they limit transaction values and frequency. Artificial Intelligence (AI) is improving the user experience with regards to transactions with ChatBots, designed to execute and robotize essential exchanges as per the user’s interest. Besides, cryptographic money-based e-wallets are being embraced by new companies to small-medium organizations for storing digital money. Smart voice technology is contributing to the growth of smart voice wallets ever since Amazon propelled the principle of this platform, which is now being followed by Google and Apple.

E-Commerce Boom Accelerating Digital Payment Market Growth
E-commerce growth at an exponential rate is creating shock waves, and the sonic boom is reverberating across the FinTech sector. The growth of many e-commerce companies is driven by the kind of financial services they provide. Digital transactions make it convenient for the buyer and seller to make transactions and remain loyal to the market space. The COVID-19 pandemic added a different dimension to e-commerce innovation, introducing newer trends such as payment alternatives at checkouts (not with digital wallets), virtual cards, QR codes, and other touchless transactions. Besides, the Buy Now Pay Later (BNPL) trend is dominating the e-commerce industry as it relieves the financial burden on the buyer. BNPL involves a soft credit check, so the consumers can buy what they need, keep the inventory moving, and pay overtime without affecting their credit score. BNPL provides businesses with much-needed liquidity and greater flexibility at the checkout.

Influence of COVID-19 Pandemic on Digital Payment Market Growth
Digital payment systems have moved beyond their peer-to-peer (P2P) transfers and bill payments. The COVID-19 pandemic allowed digital payment systems to showcase their strengths, such as a strong understanding of hyper-local markets and its ability to establish strong local partnerships. Businesses and consumers increasingly “went digital” for providing and purchasing goods and services online. When the pandemic hit, people did not want to touch or exchange cash due to the paranoia of catching the infection from physical currencies. Several governments around the world introduced digital financial transfers to provide COVID-assistance. Owing to lockdown measures, consumers shifted to online platforms, which catapulted the demand for digital payment systems. Now, digital platforms have become an essential component of people’s lives, and consumers are more likely to continue shopping online in the post-pandemic period. The dramatic shift in consumer behavior is likely to augment the demand for e-payment systems even more. Therefore, companies are focusing their attention on digital mediums to meet the new customer demands and thrive businesses in the changing market scenario. Organizations are reimagining customer journeys to reduce friction and provide new security features. Payment companies such as PayPal and Square Cash are staffing up across the board to better understand the rearrangement of societal norms and stabilize the business in the near future.

e-Payment Systems are the Future
With increasing smartphone and internet penetration, consumers are becoming tech-savvy, which presents endless opportunities for the digital payment markets. Post-pandemic, digital payment systems are anticipated to continue to flourish over the years to come. While cards remain the first choice for payments around the world, mobile wallets are quickly gaining traction. The traditional cash flow is declining in bank branches and ATMs, demonstrating a power move towards a cashless society. Currently, China dominates the global mobile wallet consumption, followed by South Korea. However, there are still many countries that are highly dependent on cash due to lack of trust towards financial institutions and lack of proper broadband infrastructure, etc. In the near future, social media-initiated payments, biometric payments, voice-activated payments are likely to become mainstream in developing countries as well.

Cybersecurity and Privacy Concerns with Online Payment Solutions
Cybersecurity and privacy threats have become a troubling concern with the increasing incidences of online fraud. According to the Mastercard survey, one out of four consumers experienced some kind of fraud in 2020, ramping up the cybercrime rate by 49%. In the first half of 2020, online scams increased by 73.8% from 2019. However, adopting new-age technologies such as multifactor authentication, biometrics, 3D security, Artificial Intelligence, and Machine Learning can help control fraudulent activities such as phishing, virus attacks, etc. Shifting to contactless cards, QR codes, and tokenization can also help mitigate risks associated with digital payment solutions. Besides, sensitizing end-users about the secure application of e-payment solutions through amplifying efforts towards building financial literacy can help to prevent frauds. The emergence of mobile commerce and the evolution of e-payment platforms backed by robust security solutions can help to drive the goal of making the economy truly cash-less.

According to TechSci research report on “Global Payment Gateway Market By Type (Hosted, Self-hosted & Bank Integrated), By Enterprise Size (SME and Large Enterprise), By End-User (Retail, Travel & Hospitality, Healthcare, Education, Government, Utilities & Others), By Region, Competition, Forecast & Opportunities, 2026″, the global payment gateway market is expected to cross USD15 billion mark in 2019, registering a CAGR of 22% by 2026. The growth can be attributed to the increasing demand for online transactions, rising broadband connectivity, and exponential growth of e-commerce across the world.

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Give a Chance to Binary Options Trading This Season

Binary options trading has a lot of rumors and controversy around it, but it is, in fact an easier and enjoyable form of trading. Especially if a person is new to the world of trading, as this is easy to understand. In binary options trading, a trader bets on stock and either earns money if it matches within a certain amount of time or loses it. That is why it’s a risky but equally exciting way of earning money. There are just two options of ‘yes’ or ‘no,’ hence the name binary.

If the stock price does not fall on the correct side of the strike price within the expired time and date, then the trader loses the money. But if it does fall on the correct side, the trader gets a profit.

For example, if a stock is trading at $60, the binary option has a strike price of $65 and expires at 12 pm the next day. The trader can buy the option for $50. If, after the expired time, the money goes above $65, say at $100, then the trader gets a profit of $50 (100 – 50). But if the money falls below $65, that is, it’s out of money, then the trader suffers a loss. Either way, it is good for practicing day trading as it helps in building an accurate intuition.

Another important part of binary options trading can ensure that the trader is not getting into any scam sites. This is because there have been cases of the trading system being rigged and the company profiting from all the activities. That is why a binary options broker is essential for the trading to be legit. Brokers help manage the amount, and they also do not take any commission for a trade that ended in a draw. Brokers are necessary for any trading because whatever profit the trader earns from trading will be their own wealth. There are no cuts from the amount, except for the commission the broker gets. But the majority of the amount goes to the individual.

Here are some of the benefits of having a brokerage account and a stockbroker:

· Trade with many companies – The person can place their options on any stocks that the broker has access to. And this may be every company listed in the New York stock exchange or Nasdaq stock market.

· Individual and independent trading – With brokers, an individual has direct access to the foreign exchange in stocks. That gives the independence to invest in international stocks and decide the stock selection.

· One-time money management – Many brokers understand the importance of other investments like bonds, mutual funds, and bank account products. Hence the broker lets the trader get a single environment that can take care of all this, letting the person have a simplified path to money management and not have accounts spread out for different investments.

· Customer service – Brokers also give financial advice that goes beyond finance or trading. Every broker has a different form of service, but working with a broker will also help get different resources for better managing the finances.

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5 Areas Where We Feel Inflation!

Too often, we consider things, based on labels, perceptions, etc, instead of delving, deeply, and considering, the true impacts, and ramifications, and possible, paths – forward! At – current, one of the most – discussed, topics, is, inflation, and what it might mean, to all, of us! However, these considerations, often, proceed, in an overly – simplistic way, which serves very little purpose, in a relevant, and/ or, sustainable way. In fact, most people are being affected, by inflation, and inflationary trends, but, little, common sense, considerations, are focused – upon! With, that in mind, this article will attempt to briefly, consider, review, examine and discuss, 5 areas, where most people, are feeling inflation (or, will, soon), to a significant degree.

1. Groceries/ household items: Anyone, who goes to the supermarket, has seen, their bread – basket, items, such as groceries, and other, household items, go – up, significantly, in – price, in the past year, or so! What has driven this? Probably, the single – biggest factor, is, supply – chain, considerations, because, items are more difficult and expensive, getting to the stores! One factor, is, of course, Supply and Demand, because of this. This concept states, when supply doesn’t keep – up, with demand, prices usually rise! Another factor is probably, greed, and, also, related to pandemic ramifications, and impacts. How long will this continue, and what strategies, might address this?

2. Utilities/ oil and gas, etc: We are seeing, rising costs, in electric rates, as well as heating costs! Oil and gas prices are rising, at a fast – pace, and this, causes, everything, else, to get more expensive, also!

3. Gas/ fuel, at the pump/ station: We are near, or at, record – high, prices, in terms of what we are paying, at the pump! Some of this, comes, from, rising costs of labor, while much is also, due, to greed, from some, or several components, in the delivery – chain! President Biden just released, some of our Strategic Oil Reserve, to, attempt to address, the short – term, impacts, of increased demands, and the Supply and Demand, ramifications! Since, supposedly, the United States, is, now, the largest producer of oil, we can’t simply, blame OPEC, etc, but must realize, this is a multi – faceted, overall, inflation – related trend, etc!

4. Housing Costs (sales prices; repairs/ renovations; rents, etc): In most geographic areas, the price, to purchase, a house, has risen, dramatically, in the past year, or so! Some of this, is related to the Supply and Demand, ramifications, related to a continuing, Sellers Market, because of a lack of demanded, inventory. Some is, because, which low mortgage rates, buyers perceive they can afford, more, because of the impact on monthly payments. Part is related to inflation, but, whether, inflation, created rising home prices, or, that rise, contributes to, overall rates of inflation! Remember, also, because of the ramifications, on the thought processes, and perceptions, created because of the horrific pandemic, we are seeing much of this trend! Because, materials, and labor, has gotten more expensive, we are experiencing a far – higher cost of repairs, and renovations, etc.

5. Dining – out/ entertainment: Restaurants have felt the cost of inflation, as much, as any industry! Challenges, getting help, the increased costs of labor, and food, utilities, etc, have creates, significant price increases, in the cost of dining – out, etc! Entertainment costs have risen, because of a variety of impacts and ramifications of the pandemic, and inflation!

Inflation is, with – us, but, for how long? Many factors will determine, the longer – term ramifications, but, it is, certainly, wise, to proceed, wisely, and prepared/ ready!

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