How To Attract Organic Traffic To Your Blog

Increased web traffic is the most important outcome that each blog expects, yet, there are a very few that are equipped with the right SEO techniques to attract organic search traffic.

Organic traffic guarantees a higher rank in the search engine rank pages and has a direct impact on the affiliate and AdSense earnings of the blog.

In addition, organic traffic is much more targeted towards your specific niche and blog promotion agenda, which directly reflects upon the bounce rate.

Specific SEO techniques can help you heard the most amount of organic traffic to your blog; it is only a matter of implementing them in sequenced steps to increase the overall effectiveness of the approach.

Prioritize you goals

Every blog post needs to be oriented based on two different standards, search engine optimized, or pure information related. However, the reality is both these elements are necessary to bring in organic traffic to your blog. Set a goal for your blog, which might account for the fresh traffic that you want to attract on a regular interval.

You can then divide your frequency of posts in to a completely fact based article and additional posts that have been keyword optimized. The problem with a purely SEO post is it tends to sound too artificial and might be riddled with unnecessary mistakes.

However, a careful orientation of this post can help you accommodate interesting information with SEO techniques to create a proper draft.

Cultivate the target keywords before drafting the post

The main reason for search engine optimized posts sounding artificial might be hugely due to incorporation of target keywords after the post has been drafted. This is a very common mistake and it can cause you the quality of your expertise on your blog.

If you cultivate the target keywords before you set up the posts draft, you will have a clear idea of the topic. You can easily figure in the keywords without compromising your blogs quality standards as well as maintaining flawless SEO tactics to attract organic traffic.

Long tail vs. short tail key phrases

This is a very important choice but the process of selection can be simplified. Start-up blogs do not have the niche support to compete on short keywords. Including them in your posts might not be enough.

Other SEO tactics paired with more blog duration might help older blogs to outmaneuver your posts on the search engine rank pages. Instead, focus on the long tailed key phrases and aim to attract a specific amount of traffic from these posts.

The theory is if a visitor types in all the words of a long tailed key phrase, he is more committed towards the results of the search than a visitor who might have just typed one or two words for the information.

Effective channel of links cultivation

Keywords are necessary but they are not the only organic search engine technique. Internal link building is necessary to improve search engine markers for your blog.

External link building, especially on credible niche expert blogs, is necessary to get more attention from search engine crawlers via the attention channeled from these blogs.

Commenting on important news posts from your niche, submitting guest posts on the A list blogs as well as important directories online are all different ways to cultivate quality links to encourage organic traffic to your blog.

Utilize quality resources to search for keywords

The standards of the keywords depend entirely on the analytical efforts put towards obtaining the most accurate statistics of the search potential of the phrases. In other words, the entire foundation of your SEO techniques might be hinged on the quality of your keywords resources.

There are possibly many different sites available online that might help you in this process.

The final and most important suggestion is to look at your complete blog objectively while optimizing for keywords. Apart from the blog posts, the titles, tags, and even permalinks bear a clear effect on search engine ranks. Do not underestimate these aspects of your blog in your quest to attract more organic blog traffic.

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How to Solve the Problem of Missold Investment Bonds

Banks have been making the news again about the mis-selling of protection and investment products including investment bonds. As investment bonds are linked to the stock market they are inherently risky and not suitable for everyone (in fact they are not strictly bonds at all, as you are not a creditor to the bank). Yet some people have been persuaded into paying into investment bonds (or investing more than they intended) and now regret the decision.

Why Does Mis-Selling Happen?

Mis-selling can happen for a number of reasons. Bad sales practices (e.g. ‘hard sell’ approaches) can be passed down to staff; sales staff could be poorly trained in the products they are selling or, in rare cases, deliberate mis-selling can happen. In the case of the high street banks, which made the news at the end of 2013, it was revealed that employees had been incentivised with over £1,000 per product for selling investment bonds and threatened with demotion if they failed to meet sales targets. This put pressure on them to mis-sell investment bonds.

What to Do if You Have Been Mis-Sold

The first thing you need to do is honestly ask yourself whether you have been mis-sold investment bonds. This has nothing to do with the benefits you may or may not have received from your investment.

For example, if you understood the risks involved and lost money because of the performance of your funds, you were probably not mis-sold to. If, on the other hand, you were incorrectly advised you had to pay a large amount into your investment bond, then you were mis-sold to – even if your investment ended up making you a lot of money.

If you believe you were mis-sold investment bonds, the next step is to gather together any information that might support your claim and contact your provider for details of their complaints procedure (this information may be on their website). Contrary to some people’s belief, you do not need concrete proof of mis-selling to make a successful claim.

Next, follow the steps outlined in your provider’s complaints procedure, dealing only with the facts (resist the temptation to include information about your emotions or issues that aren’t specifically connected to the original mis-selling).

Your provider then has a duty to provide you with a final decision on your claim within eight weeks (although you might want to give them longer if progress is being made).

If a final decision has not been made – or your provider has ignored your correspondence – you can contact the Financial Ombudsman after eight weeks. Don’t go directly to the Ombudsman before this time as you have to prove you have gone through your provider’s complaints process before the Ombudsman will deal with your case. The Ombudsman service is independent and totally free to use, but you must contact them within six months of the mis-selling.

If you are not satisfied with the Ombudsman’s decision, your last resort is to take your case to court. This is expensive and you will have to shoulder the costs if you fail to win the case.

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Fixing a Rocky Relationship With Money

No matter what, it is important you understand your finances now and in the future. Despite whether or not you find it a fun subject, gaining an education about money will benefit you now and in the future, as you learn to make good financial decisions. The advice that follows may help you wrap your head around your financial situation.

Any budget should be planned around your realistic income and spending. When writing your budget, be sure to include income from all sources, not just your daily job. You should compute your income based on the money you have left after taxes are taken out. Once you have hard numbers, you can design a budget that fits them. No budget can succeed if you are spending more than you are earning.

When you are making a budget, you should have a complete and detailed report of your expenditures. Make sure your expense list includes both regular and sporadic payments. Even though expenses like insurance premiums and vehicle maintenance costs aren’t made on a weekly or monthly basis, you still need to include them. Also include anything spent on entertainment, food or other miscellaneous expenses such as storage space rental. The most common expense that people forget are little ones. Paying the babysitter for a night out or grabbing lunch at the drive are easy to forget about. It helps to have detailed lists of spending.

Developing a budget plan is a good way to see where your money goes. Do you have any unnecessary expenses? For instance, are you spending too much at coffee shops? Could you prepare your meals at home rather than eating out? Do you have to stop for breakfast on your way to the office? Go through your expenses line by line to see if anything can be cut.

If you think you are spending too much on utilities, get your home systems checked. There are some things that cause bills to skyrocket. Try to avoid washing your dishes if you do not have a full load of dishes. The same is true for washing clothes; only do so when you have a full load.

Try replacing your appliances with more energy-efficient ones. Although the up-front cost of replacement can be high, these upgrades will generally pay for themselves over time. Unplug the electrical cords from any appliances or electronics that are not being used. Over time, you should see a decrease in the amount of energy your household consumes.

Stop heating and cooling the outdoors by repairing your roof and adding adequate insulation. You will have to pay extra money initially, but within a year, you will start to notice the positive differences in your bills.

To be able to organize your finances and save some cash, you should look over the advice listed here. A great way to spend money is to upgrade your appliances because the money you spend will quickly be reflected in lower utility bills, and you will continue to get returns on your initial investment. With lower utility bills, you’ll have more money at the end of each month.

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How to Make Your Financial Planner Work for You

Financial planning is an important part of any individual or business success. Staying in complete control of your money, knowing your incoming and outgoing and being able to forecast for the future can provide you and your family with peace of mind moving forward.

A financial planner enables you to set realistic financial goals. These goals must be realistic in terms of income and expenditure. It can also help you determine timeframes in which to reach the goals, helping you manage your cash flow effectively and stay in control at all times.

The advantage of a financial planner helps you understand the effects of all your financial decisions. You will be able to identify risks quickly, determining if you are making the right choice or not. As a business owner you may have a demand to expand, knowing your finances can help you decide if now is the right time to take on the expense of a new building or whether it could leave you in financial ruin.

The same applies to individuals. You may have been dreaming of a new car for years and have worked out the monthly repayments. Having instant knowledge of your cash flow each month can help you determine the risk level of taking on additional debt at this time.

Over time you will learn how this process can help you re-evaluate your finances. It’s important to stay up to date, checking back regularly to see how you are doing in terms of the goals and timeframes you have set yourself along with any forecasts you may have worked out, helping you plan better for the future.

With this type of planning you will be able to spend in line with your income, reducing the risk of overspending and finding yourself in debt. While debt is very easy to accumulate, it’s much harder to get out of. This means that knowing what you have available each month can not only help you with your monthly expenditure budget, but can also help you with investment decisions and so much more.

As your plan continues to grow month to month, you will soon learn where you are going wrong and have the opportunity to rectify errors you are making in your financial future. You are able to maximize your money, an important element for both businesses and private individuals.

When struggling with your money, it may be worthwhile hiring the services of a professional and experienced financial planner who can sit down with you working out your income and expenditure and showing you ways to maximize your money, reduce your debts and put you on the right track moving forward.

When hiring a financial planner, there are some important factors you will want to take into consideration. If you have been trying to manage your income and expenditure and still find that you can’t make ends meet, then these professionals may be the solution you are looking for.

Financial planners have the knowledge and experience to help you increase your money by lowering your expenditure through various methods of tried and tested solutions. The good news is that they can provide you with ways to relieve your debt quicker, giving you more cash flow monthly.

They are able to assist you in forecasting your financial future, setting realistic goals which are easily achievable and that make a different to your situation. Ensure that any financial planner you choose to use has a good reputation and years of knowledge and experience. They should be willing to work alongside you, showing you where you are going wrong and helping you achieve financial success.

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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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