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moneydroppay · 3 years

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Control Your Money & Return in command of Your Daily Life

If you would be rich, think about preserving and also getting

----- Benjamin Franklin (1706-1790)

There is not any faster way to private and economic. Getting unique entails lengthy numerous years of willpower, effort, thrift, and sensible utilization of assets. Those that get rich quick usually do it since: they earned millions of $ $ $ $ on lotto duped others within a swindle or inherited lots of money from the well-off daddy or relative.

However if we return to the root of the problem, it might be important to check with, Why are a few folks poor?

One of the primary reasons why so many people are inadequate or continue to be far away from getting unique is encapsulated in two terms: financial mismanagement. Fiscal mismanagement is approximately squandering one's useful resource on stuff or pursuits which do not carry fruit or bring about additional revenue. Mismanagement of finances can also be one of several common causes of marital difficulty plus a source of huge stress in individuals.

A lot of people have fallen to the debts capture and from now on really feel totally unmanageable of the existence and funds.

Exactly what can the standard particular person do to better control her or his funds? There is no need to get an economics scholar or a fund expert to escape debts as well as prevent the period of living from income to income. To obtain back to normal with regards to your hard earned money and ventures, consider the following recommendations:

1. Eliminate Your Debts, Stay away from Pointless Shelling out

Should you be like most people, visa or mastercard curiosity monthly payments actually adhere to a large portion of your regular monthly income. The solution is simple: pay out-away from your existing personal debt and get away from generating further lending options or needless purchases. Eliminate debt as fast as you can. Make a list of payables and prioritize either by starting on things that get the increased interest or those that could be easily repaid. The choice of which financial debt to spend-away very first is dependent upon your paying capacity, or even the amount that you obtain from the regular monthly budget to negotiate your debt. An additional hint is always to educate your lender to create intelligent obligations on your own checking or bank account to help you steer clear of delayed transaction costs as well as other penalty charges from your bank card organization. Avoid missing obligations considering that the ingredient attention on your loan or credit rating will have an impact on your financial placement.

2. Provide an Urgent Profile

After repaying each and every debts, the next task is to start out upon an intense savings program. There are numerous cost savings programs you should begin. One plan is to get an Crisis Accounts. Generally set-aside a minimum of 5 Percent to 10% of your paycheck from cafelavista as savings. When your price range allows it, save a separate total fund your urgent fund which you can use for unpredicted expenditures, sudden loss of employment, medical facility expenses, along with other unexpected spending. Having at least six month's amount of your earnings for an urgent fund is really a doable goal. Nonetheless, be sure that you make use of the urgent account for unexpected emergency reasons only rather than for unimportant shelling out.

3. Take A Look At Your Company's Retirement life Strategy

Retirement life plans help men and women reserve dollars that they could use after they relocate. A 401(k) is really a retirement living plan that had been called following a segment of the us Inner Earnings Computer code. The business-subsidized plan operates by establishing aside a percentage of your employee's salary which, subsequently, is purchased mutual funds, stocks, along with other assets in the cash marketplace. Another choice is to make investments the amount of money in organization inventory. The main advantage of the 401(k) is that the program is taxes-deferred.

4. Pension to the Personal-Hired

When you are personal-used or fit in with an unincorporated business, you can study the possible benefits associated with the Keogh Strategy which allows personal-employed people set aside approximately 15% of the cash flow or they may participate in a joint fund organization making auto contributions or you may get a pension strategy.

5. Spend Your Money

When protecting a number of your challenging-acquired cash is a superb commence, leaving behind all of it inside the banking institution may not give you the outcomes you want. Get informed about assets along with other fiscal equipment you can use to create your dollars make greater than what you will be currently getting from your financial institution. The first step is to learn about unaggressive and lively revenue. You need to also discover ways to examine and select assets that will earn more money in the end. Reciprocal money, shares, along with other expenditure options are accessible for anyone to review and take into account.

6. Handle Your Hard Earned Money On the web

For those who have an online-competent personal computer at home or at work, it is possible to deal with your financial situation on the web. You can check your balance and credit history assertions, move money, shell out your debts, and monitor the standing of your own price savings using your bank's on-line method.

Certainly, there is no faster way to prosperity. Dwelling the good lifestyle requires organizing, placing desired goals, willpower, a lot of sacrifice. Eliminating get worried and anxiety and panic attacks over financial hardships is not an impossible project. When you conserve and commit sensibly, it will be easy to prepare the tough times that are sure to can come and you can have adequate to experience daily life, which is the reason we must take control of our budget.

#money #budget #401k

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expanderp · 4 years

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How to Manage your Business Completely Online with a Best fit Cloud ERP Software

“ The best way to predict your future, is to create it!”

--- Abraham Lincoln

We all are the ‘swimmers’ in the economical recession created by the lockdown, who are striving to survive in the ‘unlock’ days where uncertainty prevails. In spite of the unlock we all know that the pandemic has gone nowhere and staying indoors, maintaining social distancing is still the only survival strategy. The economic slump has hit all the industries terribly,but we need to keep our spirits high and keep faith in the brighter days to come.

In contrast to the shortage and unpredictability of supply chains dragging down the industries, software industry is a growth catalyst. The study notes that Zoom, Slack, GoToMyPC, Zoho Remotely, Microsoft Office365, Atlassian, and others of the likes have seen increased demand as companies increase their remote-working capabilities.The Enterprise Resource Planning or ERP software on cloud is also on a high demand as it is the ultimate solution to manage your business on the internet.

Good news for our industry is - MarketsandMarkets estimates the global cloud ERP market size is expected to grow from USD 45.3 billion in 2020 to USD 101.1 billion by 2025, at a Compound Annual Growth Rate (CAGR) of 17.4% during the forecast period. The major factors driving the growth of the cloud ERP industry include growing demand among enterprises to improve operational efficiency and streamline business processes, the impact of COVID-19 pandemic, and increasing adoption of cloud-based solutions.Businesses are using the cloud effectively to create resilient and disaster-averse systems anywhere across the globe to cater to a remote workforce and protect data and business application integrity as well. Thus, the increasingly mobile workforce due to lockdowns, and security to avoid high network downtime costs have fueled the demand for cloud services across the vertical globally.

Additionally, the majority of the ERP platforms include modules for inventory control and supply chain management, and amidst the outbreak, many manufacturers are also turning to specialist providers. COVID-19 has helped modern ERP systems capitalize its full potential by enhancing its functionalities to support remote working.

In our ultra-competitive digital age, your business’ ultimate growth and longevity depends on strategy and sustainability. If you’re able to adapt as your business scales, you’ll push yourself ahead of the pack and remain there. However, to make these critical growth strategy decisions, you must start by looking at digitising your practical daily operations. Therefore, to ensure your manufacturing business scales up for success, manage your business completely online with our comprehensive and unique cloud software solution.

Expand ERP is India’s best fit cloud ERP software for mid sized manufacturers in export and retail industry.

It offers a variety of benefits to organisations wishing to go completely digitised.

Systemise your warehouse from anywhere with WMS integration in your ERPsystem.

Sell your products smartly and generate potentials into leads with Leads Management integration.

With Expand Sure smile - avail 24 x 7 technical support during and post implementation.

Online implementation is carried out in flat 29 days totally hassle free.

Remote training of users is completed easily within 50 hours after implementation.

You can manage your vast data and files efficiently with the File attachment module.

Handle all HR related matters completely online with an HR application.

Manage all finance and accounts transactions with our delegated software and bank integrations with ease.

You can sell online with our personal marketplace or third party integrations like Shopify, Magento, Amazon etc

Our customers have been able to do Financial Book closing, backlog update and a deep analysis of historical data. This will help them plan ahead and forecast.

All business organisations can encourage work from home while maintaining social distancing due to the cloud platform which enables anytime anywhere facility.

The Android mobile apps makes business operations even more easy and accessible on the way. Just by connecting your licensed Expand ERP software with your smartphone you can operate any business transaction or access any data with ease.

Expand ERP also helps in staying connected with the team members with ease. The whatsapp integration facilitates easy messages exchange so that employees are well informed and included of what is happening in the organisation. This is very essential to keep the morale and spirits high of the team during crisis time.

Online payments are generated easily with integrations like Googlepay and Paytm, so no lockdown can stop any payments or financial transactions in the organisation.

With our Virtual Distribution Network integrated in the software, manufacturers can easily reach out to the end buyers through their personal marketplace, keeping the distributors in the loop. So distribution of products can be executed online maintaining social distancing.

Since all data and information is stored on the software which is on the internet there is very less use of stationery. This makes it environment friendly and reduces the use of paper. Post covid, our environment will need extra care to heal soon.

Shipping is made easy with Blue Dart integration. The products can be tracked and delivered to the customers by the shipping company without any hassles.

Businesses can revise credit limits centrally to control credit in the market soon after the lockdown reopens to stay relevant.

The ERP can immediately suggest alternate material for production based on history data on BOM.

The ERP can immediately highlight potential secondary suppliers from historic data if the primary supplier is affected due to supply disruption.

Manufacturing companies that upgrade themselves to business process automation and manage their business completely online, will certainly be at a huge competitive advantage.Expand ERP is the best choice for your manufacturing company as:

Complete Compatibility - Complete customisation to adapt to the specific business & continuous integration (with Whatsapp, Paytm, Flipkart, Amazon, Shopify etc) with growing needs. * Made in India for India - With over 15 years of extensive R&D and market testing, we have developed a software that seamlessly fits into Indian Business.

Ease of Biz -Quick implementation with no business process alteration, no Capex, low customization, less training time due to user-friendly interface.

Your business is as unique as you are.

Give it a process automation software that is made to fit seamlessly into your manufacturing business process. Manage your business online maintaining social distancing and drive efficiency with ease

#erp software #erp system #cloud erp #manage business completely online #erp solution

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kashishipr · 3 years

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In business parlance, assets can be divided into two major classes of tangible and intangible resources. Where tangible resources are constitutive of buildings, machines, and equipment, intangible resources are creations of the mind, which include inventions, literary, artistic, and musical works, labels, designs and symbols, and other goods or services of the like nature. In the present times, businesses significantly derive value from intangible resources since they are easy to transfer and hold substantial worth. Even though the ratio of intangible assets against tangible assets is witnessing a sharp rise, the idea of using Intellectual Property (IP) assets for debt funding is yet to take its best shape.

Understanding IP-Backed Financing

IP- backed financing is a term used in connection to the use of IP assets to enable access to credit. This subject has gained relevance amongst all sectors and all sizes of business operations alike since it allows leveraging the IP assets held by an entity in exchange for financing. Even banking and lending institutions have started to consider IP assets as collateral while extending any financial aid instead of conventional assets like land, jewelry, equipment, and machine.

The benefit of collateralizing IP is that it increases the amount of available credit. Since IP has the capability of multiplying the value held originally, it also raises the potential of a successful loan. Therefore, some banks utilize IP assets as a medium of credit enhancement. One sector where such financing is prudent is biotechnology since it strives on capital and largely depends on valuations. Such financing may come to one’s rescue in instances where a company’s assets are performing well, and such a financing strategy would attract funds easily. It may also be helpful in instances where the asset has failed to perform in its trials. Therefore, it is completely dependent on the strategy and goals of an entity upon which the route of such deployment is chosen.

Modes of Collateralization

There are different ways of pursuing collateralization of IP assets, some of which were highlighted in Enquiries into Intellectual Property’s Economic Impact published by the Organization for Economic Cooperation and Development (OECD) and are mentioned below:

Securitization: The process of securitization can be followed up where the IP asset has substantial value and is capable of adequate returns. To initiate securitization, the originator (owner of the IP assets) has to place its assets or the rights to its future revenues (royalties) in a special purpose vehicle or a trust, which then issues securities in the capital market. It helps generate more value since there is no actual transfer of the IP. The investors buy these asset-backed securities, and there is a rate of interest that accrues to the investor, which is how it helps to raise funds.

Direct Collateral: This is the easiest way of turning an IP asset into collateral. This mode enables an IP asset to be directly pledged in the form of collateral to secure a loan agreement. Therefore, where the asset holder fails to repay the loan within the stipulated time or turns insolvent, leading to defaults in payment, the lending authority can either seize the goods or utilize them in a manner to make good of such a loss. The IP asset can be licensed or utilized in any manner as may be provided for in the terms and conditions upon which a loan agreement was agreed to originally.

Sale and Leaseback: Such a transaction enables the rights holder to sells its IP asset to a rather specialized investor or any other lender instead of immediate funding on a conditional basis. The condition allows the IP asset’s owner to be licensed, in return for which it pays some specific stipulated amount of royalty to the buyer for a fixed period. Once the stipulated term of royalty payments is completed without any default in payments, the original rights holder of the IP asset has the option to buy the asset back at an already decided price.

Initiatives Taken by Different CountriesCountryPlan/InitiativeSingaporeThe IP Financing Scheme (‘IPFS’) was a scheme launched by the IP Office of Singapore to increase the access to IP-backed financing to nurture IP-rich companies by enabling them to obtain loans from Participating Financing Institutions.ChinaThe China National Intellectual Property Administration is an organization responsible for the management and coordination of IP assets. This authority acts as the central registry of IP-backed financing pledges.KoreaThe Korean government supports many programs for the development of Intellectual Property Rights (IPRs), their protection, and financing. It also runs risk-sharing programs and IP commercial insurance programs.MalaysiaThe government has an IP Financing Scheme, which helps and encourages Small and Medium Enterprises (SMEs) in utilizing the IP assets as collateral.Hurdles in IP-Based Financing

As has been observed, the financing of IP assets is much in vogue in many countries like the United Kingdom and the United States. However, it is still underused in other countries. The barriers to such financing are mentioned below, which can be mitigated through new business practices or policies.

IP Assets may be Difficult to Re-Deploy: Where an entity holds a set of complementary assets to a particular piece of IP, the value of its core IP is contingent on each other. Therefore, it may be financially distressing to dispose-off a single IP in isolation as it may imply the decline of its actual value.

IP Exit Markets are Usually Immature: It has been observed that the secondary market for IP assets is underdeveloped to procure a quick and low-cost resale of such assets for the creditor who needs to realize a value from it. It is majorly due to the unawareness of lending institutions and banks in understanding the risks involved in securing an IP asset or how best its outcomes could be realized.

The Transaction Cost for IP Assets as Collateral is High: Where an institution agrees to lend any credit instead of an IP asset, the transaction cost is high due to difficulty asserting the entity’s creditworthiness based on distinct asymmetric information. There is a cost of conducting a risk assessment as well.

Unawareness of Lending Institutions in Contemplating IP Assets: This is especially true for banks as they do not have a well-developed plan or procedure to streamline the assessment of an IP asset. There has to be a proper framework to assess whether a particular asset can qualify as requisite security and whether or not it is capable of raising capital adequately in the event of failure of the lender to perform its part of the obligations.

The Merits and Demerits of IP-Backed FinancingMerits of IP-Backed FinancingDemerits of IP-Backed FinancingIt is an improved form of security if the potential is well realized. Therefore, in the event where a debtor fails to repay the loan, the bank is in a much stronger position to make good of the loss.A major issue lies in the fact that IP generated by the company is very seldom represented on the balance sheet, as a result of which the directors may find it difficult to explain the actual potential of the IP assets.IP assets have good value, and with time, their appreciation usually increases. Sometimes the value may increase more than a tangible asset.Tangible assets have subsequent disposable value. However, the resale market for intangible assets is instead less formalized since they offer less certainty.IP assets once pledged act as a powerful incentive for debtors to honor the repayment of their debts, especially in the case where IP assets are of core value to their business activity.There is always a risk of valuation depending on market needs and the ratio of demand and supply. The same may be affected by the performance of one’s assets or the introduction of a competitor’s asset in the market.Instead of undertaking Personal Guarantees (PGs), IP assets are more useful as they act as an additional source of security other than tangible assets.Since IP assets carry some know-how or trade secret applicable or surrounding an IP asset that is not subject to disclosure, it may result in a substantial loss while calculating the actual value of the intangible asset.Conclusion

IP assets can be considered valuable tools for pursuing financing activities. Such financing is yet to gain full and functional momentum since there is a lack of infrastructure for financing activities and valuation techniques to facilitate such transactions, especially in the realm of IPRs. For proceeding further in such aspect, it is requisite to create transparency in the market to establish strong relationships between corporate entities with well-curated IP portfolios and other lending authorities to further the cause of IP-backed financing and utilize the same to the best possible extent. ✅ For more visit: https://www.kashishipr.com/

#Intellectual Property (IP)#Enquiries into Intellectual Property's Economic Impact #Organization for Economic Cooperation and Development (OECD)#Intellectual Property Rights (IPRs)#cautionary notices #KIPR #ip rights #ip right protection #ip rights management #kashishipr #intellectual property law #ip attorney #trademark #trademark registration #trademark registration online #register trademark

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fieldservicemanagementsoftware · 3 years

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5 Ways Automated Field Service Solutions are Changing the Game for Technicians

In today’s fast-paced field service industry, all the things move around how quickly technicians, dispatchers, fieldworkers, and other team members can get the job done, and get it done right. Now, in light of the COVID-19 pandemic, field service teams also are expected to seek out innovative ways to safeguard both customers’ and technicians’ health and wellbeing, as well.

It comes as no surprise, then, that the main technologies currently reshaping the sector service landscape are designed specifically to realize those goals, with the added benefits of improving performance, reducing costs, personalizing service, and promoting safety. Field service automation is one such technology that is proving to be of support all this while.

Field service automation — more commonly mentioned as field service management — refers to the collective processes, policies, and procedures that field service organizations use to manage resources. The “automation” part of field service automation includes using technology to streamline various processes, policies, and procedures.

For example, a company might use field service automation software to automatically pair the right fieldworker to a job based on the work order’s requirements and the fieldworker’s skill set. Or, an organization might use their field service automation software’s warranty management module to automatically capture and manage warranty activities, also on automatically submit, track, and validate all open claims. Did you know 52% of field service companies still do the work and perform functions manually? That’s a scary number estimating 76% of field service providers are struggling to realize revenue growth. It’s a multi-billion-dollar industry – estimated to be worth $4.45 billion by 2022 – and therefore the struggle is fierce. Field service workers are a crucial lifeline to revenue growth, and their access to information is directly associated with the productivity and customer satisfaction that boost that growth. So, how can these talented technicians do more, roll in the hay faster, and roll in the hay better? Automated field service solutions are a great start.

#1 Tapping into Predictive Maintenance

Mostly everyone has heard of the web of Things (IoT), but something much bigger and more powerful has been fermenting within the background. Industrial IoT, also known as IIoT, has the potential to unlock $14.2 trillion in potential economic impact by 2030.

Why does that matter?

To get a slice of that $14.2 trillion, field service companies got to plan – literally. Field mobility and therefore the IioT help organizations offer predictive maintenance at a time when the norm is shifting faraway from reactive servicing. The ability to ensure uptime is often a strong differentiator for organizations with field equipment and industrial infrastructure.

Predictive maintenance will direct the field service solutions to follow a new path where technicians can anticipate a customer’s needs before an issue unfolds in the first place. Automated field service means fieldworkers can increase asset life and reduce unnecessary and emergency field visits. Plus, all information about job history and associated tasks are often logged to form the method even faster subsequent time around.

The most progressive field service solutions providers are designing their products with mobility at the forefront, which may be a game-changer for technicians looking to tap into predictive maintenance. We’ll dive deeper into mobility next once we re-evaluate what mobile accessibility will mean for field technicians on a grander scale.

#2 Harnessing the Power of Mobility

A recent Fieldpoint survey found that 80% of field service management companies think mobile field service applications are necessary to extend personnel efficiency and 44% say these apps are required to trump industry pressures. Moreover, 41% think mobile field service apps are needed to handle the increasing number of service requests. Smaller service companies, especially, will notice the correlation between the utilization of field service management software and growth. With better access to critical information and up-to-the-minute insights on inventory and jobs, technicians can accomplish more within the field than ever before. Among other benefits, mobile access within the field means technicians can:

Schedule appointments faster

See real-time alerts when a replacement job is scheduled

Centralize critical documentation

View a customer’s licensing agreement and history on-the-go

Access real-time parts inventory

Keep more precise timesheets

Eliminate the necessity for a written record of job receipts

Communicate with other nearby technicians

Create new work orders and activities from anywhere

Access custom inspection forms remotely

Field workers who are provided with mobile tools can spend their time more wisely — and with less frustration. A recent study asked field technicians about the simplest and worst parts of their day. The two biggest complaints were “paperwork and administrative tasks” (44%) and “time spent looking for information” (23%). Technicians using automated field service solutions spend less time doing mundane tasks and more time solving problems within the field.

#3 Boosting Customer Satisfaction & Retention

Late arrivals, incomplete repairs, late responses to emergency calls – are just a few of the issues that arise from poor scheduling and lack of field management. Automated field service solutions help technicians avoid these complications with automatic customer notifications and work order confirmations; electronic scheduling and GPS tracking; and portals where customers can request the services they need. Couple that with the mobile insights on customer history and licensing agreements and you've got a recipe for solid customer retention.

Customer alerts are an interesting feature of automated field service solutions. More than 51% of companies cite this functionality as their favourite most used feature. Technicians can notify customers of changes to employment or delays to the service to stay everyone conscious of what’s happening. Meanwhile, a customer Web portal makes the work easy for the fieldworkers and dispatchers. The customer can log their issue directly then track its progress within the system. Technicians within the field can pull up their requests employing a mobile app and see the status of any related inventory. This allows the technician to answer customer inquiries and provides them the foremost accurate timeline for project completion.

#4 Transferring Legacy Knowledge

When a company loses a skilled fieldworker, they are losing more than talent – they’re also losing legacy experience. Less experienced fieldworkers often turn to skilled co-workers for insights on complex projects. If you remove that knowledge from the equation and you invite higher levels of customer dissatisfaction and longer service time for jobs. Automated field service solutions help technicians hold onto and increase that legacy knowledge through a shared network. The increased knowledge of all fieldworkers is funnelled into the system to help recruit, train, and educate field workers.

Another way to ensure the transfer of knowledge is through integration. Integrating your front office (automated field service solution) with your back office (ERP or accounting systems) by creating a single source of revelation through combined data. Technicians, dispatchers, and management can all see the complete perspective of customer information and history supported by buying patterns, payments, interactions, and other relevant data. Maximization of data visibility to maximize the uses of that data throughout facets of the company.

#5 Overcoming Process Management Challenges

The advantage of automated field service solutions is that the commitment to process management challenges. If technicians and dispatchers can use the capabilities of those solutions correctly, they will sidestep slowdowns from manual scheduling of service calls, work order management, customer relationship management, operational gaps, asset management, and much more. The mobility of an automatic field service solution must be dependable for this to figure, but on a deeper level, the sector service solution must also do the following:

Be fully functional offline for when fieldworkers are out of range

Coincide with the fieldworker's workflow and show information in the context of where each job fits within that workflow

Instantly sync new schedules and jobs for the most reliable tailed data across departments

Offer quick access to reference documents to guide field technicians

Capture signatures of technicians and customers

Monitor and receive alerts about inventory

Enable communication between customers and technicians

Be OS agnostic to figure on BYOD devices (BYOD explained below)

Many companies would love nothing more than to begin automation for better process management, but they simply don’t have the resources to fund the mobile devices. That is why many of these mid-market businesses execute a BYOD or “bring your own device” strategy. Technicians supply their phones or tablets and are reimbursed for the phone charges. It reduces the financial strain on the business while giving field service technicians access to the tools they need.

As the field industry adopts technology, the competitive landscape evolves. Companies that embrace automated solutions run before the pack in terms of efficiency, customer satisfaction, and process optimization. Long gone are the times of paper trials and reactive service calls as technicians witness an innovative model supported by proactive, data-driven strategies. The game-changer for these fieldworkers will happen when their organizations decide to get ahead of the shift in field service by automating to their advantage and start using FieldWeb.

Field Service Solution Evaluation Checklist

There won't be One Solution to Rule all of them, but field service organizations can seek out an answer that permits them to optimize their existing business methods, increase customer engagement, keep a check on key performance metrics, and increase revenue — they just need to know what to look for, first.

Organizations within the marketplace for field service automation software should search for an answer with the subsequent features and capabilities:

Mobile workforce enablement

A user-friendly mobile application interface

Simple communications tools (e.g., chat functionality)

Cloud-based storage

A consolidated data repository

360-degree view of the customer

Dynamic, real-time, best-fit scheduling and dispatch

On-site invoicing

Connected equipment enablement

Map integration and GPS tracking

Contract and SLA management capabilities

Asset and warranty management capabilities

Inventory management capabilities

Customer and subcontractor vendor portals

Resource tracking and performance management capabilities

It’s a lengthy list of specifications, to be sure, but the right explication will provide all of that, and then some.

#field service management 2020 #field service software #field service management size #fsm #fsm software #field force automation market

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maxsmith059 · 3 years

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Mobile Payment Market Growth 2020-2025 : Size, Share, Price, Analysis, Outlook, Report and Forecast

The new report by Expert Market Research titled, ‘Global Mobile Payment Market Price, Trends, Growth, Report and Forecast 2020-2025′, gives an in-depth analysis of the global mobile payment market, assessing the market based on its segments like transactions, applications, and major regions. The report tracks the latest trends in the industry and studies their impact on the overall market. It also assesses the market dynamics, covering the key demand and price indicators, along with analyzing the market based on the SWOT and Porter’s Five Forces models.

Note 1: For a snapshot of the primary and secondary data of the market (2015-2025), along with business strategies and detailed market segmentation, please click on the request sample report. The sample report shall be delivered to you within 24 hours.

Get a Free Sample Report with Table of Contents – https://www.expertmarketresearch.com/reports/mobile-payment-market/requestsample

The key highlights of the report include:

Market Overview (2015-2025)

Historical Market Size (2019): USD 1,140 billion

Forecast CAGR (2020-2025): 22.5%

Forecast Market Size (2025): USD 3852.3 billion

The market for mobile payment is being driven by the rising penetration of the internet across the globe. Further, intense competition within the mobile payment industry is aiding the market growth. The market is furthered by the rising acceptance of technology in the emerging regions, along with the rising penetration of smartphones. Moreover, due to constant technological advancements, the market is experiencing constant evolution, as a result of pushing the market forward. Mobile payments offer feasibility to the consumer since it is easy, fast, and hassle-free. Also, these offer enhanced security features, like password protection, OTP generation, and others, which is further boosting the industry growth.

Read Full Report with Table of Contents – https://www.expertmarketresearch.com/reports/mobile-payment-market

Industry Definition and Major Segments

Mobile payment, also referred to as m-payment, is an e-payment service which entails the utilisation of mobile devices to authorise, initiate, and confirm a transfer of money. It was first patented in 2000, and since then, this technology has been growing rapidly. This technology is accelerated by the availability of point-of-sale (POS) terminals, which enables the processing of transactions with the help of nearfield communications.

Based on mode of transaction, the market is segmented into:

WAP

NFC

SMS

USSD

Others

By application, the industry can be categorised into:

Entertainment

Energy and Utilities

Healthcare

Retail

Hospitality and Transportation

Others

By regions, the market is segmented into:

North America

Europe

Asia Pacific

Latin America

Middle East and Africa

Market Trends

The mobile payment market is expected to witness a rapid growth over the forecast period owing to the gaining popularity of the service among the people, leading to shifting of their preference from the traditional to the modern ways of payment. The rising demand for quick and hassle-free services is contributing to the market growth. The market is expected to witness increased demand due to its ease of incorporation with loyalty and incentive programmes, offering consumers with several discounts and reward points. Moreover, the growing number of competitors and enhanced investment in the industry with dynamic security features are estimated to invigorate the market growth over the forecast period.

Key Market Players

The major players in the market are Worldline (EPA: WLN), Mastercard International Incorporated (NYSE: MA), Apple Inc. (NASDAQ: AAPL), PayPal (NASDAQ: PYPL), American Express Banking Corp. (NYSE: AXP), Bank of America Corporation (NYSE: BAC), and FIS (NYSE: FIS), among others. The report covers the market shares, capacities, plant turnarounds, expansions, investments, and mergers and acquisitions, among other latest developments of these market players.

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Note 2: As the novel coronavirus (COVID-19) continues to spread across the world, our analysts are constantly tracking the impact of this rapidly evolving situation on the markets and the consumer purchase behaviors. Thus, our latest estimates and analysis about the current market trends and forecast will exhaustively reflect the effects of this emerging pandemic.

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phgq · 3 years

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Fight vs. Covid-19 takes center stage in Duterte's 4th year

#PHnews: Fight vs. Covid-19 takes center stage in Duterte's 4th year

MANILA – Just like other governments in the world grappling with the coronavirus disease 2019 (Covid-19) pandemic, the Duterte administration’s fight against the deadly virus got off to a rough start but started showing improvements after recalibrating its strategy by balancing the effective control of the disease, as well as the socioeconomic costs.

Malacañang has released at least 33 coronavirus-related issuances, including Proclamation 922, which President Rodrigo Duterte signed on March 8 to declare a State of Public Health Emergency to mobilize government and non-government agencies to respond to the impending health crisis.

"The declaration of a State of Public Health Emergency would capacitate government agencies and (local government units) to immediately act to prevent loss of life, utilize appropriate resources to implement urgent and critical measures to contain or prevent the spread of Covid-19, mitigate its effects and impact to the community, and prevent serious disruption of the functioning of the government and the community," the proclamation read.

On March 16, Duterte placed the entire Luzon under enhanced community quarantine (ECQ) until April 12.

On the same day, he signed Proclamation 929 declaring a state of calamity throughout the country after health authorities confirmed that community-based transmission of Covid-19 has already occurred.

"Such declaration will, among others, afford the national government, as well as LGUs ample latitude to utilize appropriate funds, including the Quick Response Fund, in their disaster preparedness and response efforts to contain the spread of Covid-19 and to continue to provide basic services to the affected population,” it read.

Duterte’s efforts in leading the fight against Covid-19 earned him a 91 percent performance and trust rating in a survey conducted by Pulse Asia from September 14 to 20.

Only 5 percent disapproved of Duterte’s performance while 5 percent were undecided.

As for trust, 6 percent were undecided while 3 percent had small or no trust.

In another Pulse Asia survey conducted on the same dates, 84 percent of Filipinos were said to have a "positive opinion" on the efforts of Duterte and his government to control the spread of Covid-19 and provide assistance to those who lost their livelihood due to the pandemic.

Only 6 percent registered disapproval of the government’s response, while 10 percent expressed ambivalence.

Meanwhile, only 7 percent expressed disapproval in providing assistance, while 9 percent registered ambivalence.

Bayanihan laws

To mitigate the impact of the pandemic, Duterte signed Republic Act (RA) 11469, also known as the Bayanihan to Heal As One Act of 2020 (Bayanihan 1), a day after Congress passed the bill on March 24.

Under the law, Duterte, for a limited time, was given special powers, including reallocation of government funds to address the prevailing health crisis.

With the law in effect, the government was given the authority to expedite and streamline the accreditation of testing kits to facilitate prompt testing and immediate isolation and treatment of patients.

Health care workers, considered as among the front-liners in the fight against Covid-19, had to be provided with Covid-19 special risk allowances in addition to their hazard pay.

Their Covid-19-related medical expenses were also shouldered by the government.

The government was also given the authority to provide compensation of PHP100,000 to health care workers who contracted severe Covid-19 infection while in the line of duty while PHP1 million may be provided to health care workers who die while fighting the pandemic.

Banks and other financial institutions were ordered to implement grace periods for the payment of loans without incurring interests, penalties, fees, or other charges.

In September, he signed RA 11494 or the Bayanihan to Recover as One Act (Bayanihan 2), which extended Duterte’s special powers for handling the pandemic and provide a PHP165.5-billion fund to address the health crisis.

The largest chunk of the budget was allotted to loans for sectors hit by the pandemic, such as micro, small, and medium-scale enterprises, transport, tourism, and agriculture.

It also provided for the government's Covid-19 health-related response.

Results of a Social Weather Stations (SWS) survey, conducted from September 17 to 20, found that the majority considered government actions to be adequate on three out of four areas of concern: ensuring the public has enough information on how to fight Covid-19 (71 percent), ensuring there would be extensive contact tracing (67 percent), and ensuring affordable Covid-19 testing nationwide (54 percent).

However, only 44 percent believed government actions were adequate on ensuring the provision of adequate help for people who lost their jobs/livelihood.

Cash aid

Among the most salient features of the Bayanihan 1 law was the allocation of PHP200 billion worth of emergency subsidies to fund the government’s Social Amelioration Program (SAP), which granted a PHP5,000 to PHP8,000 monthly cash aid to about 18 million low-income Filipino families affected by the pandemic.

Distribution of emergency subsidies under the Social Amelioration Program (File photo)

The cash aid program was said to be the “largest financial aid package ever granted to Filipino households.”

However, the SAP encountered delays in the release and distribution of funds.

Despite hiccups, 71 percent of Filipino families said they received cash aid from the government since the start of the pandemic, according to another SWS survey conducted from September 17 to 20.

Besides the SAP, the government also had other cash aid programs for the most vulnerable sectors affected by the lockdown, such as the Abot Kamay ang Pagtulong (AKAP), Tulong Panghanap-buhay sa Ating Disadvantaged/Displaced Workers (TUPAD), and the Covid-19 Adjustment Measures Program (CAMP).

Duterte threatened to detain politicians who would engage in corruption amid the prevailing health crisis, saying that the public should never be deceived, especially in these trying times.

On November 10, he offered a cash prize worth PHP50,000 to PHP100,000 to anyone who could report dishonest government officials and their corruption activities.

Test, Trace, Treat

In April, the government started its mass testing initiatives following the accreditation of several hospitals for Covid-19 testing.

The government had also started purchasing more rapid antibody test kits, aiming to test 1.5 percent to 2 percent of the country’s 110 million population to get a clear picture of Covid-19 infections in the Philippines.

On May 6, Duterte inked Executive Order (EO) 114 institutionalizing the “Balik Probinsya, Bagong Pag-Asa” program designed to help low-income families in Metro Manila resettle in their home provinces by assisting their transition with support and incentives on transportation, subsistence, and education, among others.

“Balik Probinsya” was temporarily suspended to prioritize the short-term “Hatid Probinsya” or the provision of transportation assistance to locally stranded individuals and overseas Filipino workers (OFWs) stranded in Manila due to travel restrictions imposed under community quarantine.

To ensure the health and safety of students, the President on July 17 signed RA 11480, which reschedules the start of the school year in case of a state of emergency or state of calamity.

The opening of classes for School Year 2020-2021 kicked off on October 5.

He also stood by his decision not to allow face-to-face (F2F) classes until a vaccine for Covid-19 is available in the country.

Although he initially approved pilot F2F classes in areas with low risk of Covid-19 on December 14, he withdrew this plan a week after a new strain of severe acute respiratory syndrome coronavirus 2 or SARS-COV-2, the virus that causes Covid-19, emerged in the UK.

In his fifth and penultimate State of the Nation Address on July 27, Duterte admitted that there were “lessons to be learned” from the Covid-19 pandemic.

“The gains we achieved in the first three-and-a-half years were put to a test when the pandemic suddenly struck the global community. While I am aware that the road towards a comfortable life for all would be far easy if pandemic had not occurred and along the rest of the world we suffered,” he said.

However, Duterte said the country was able to withstand the challenges brought about by the health crisis.

He also vowed to facilitate the country’s economic recovery.

“The global scale and socio-economic impact of the Covid-19 pandemic has been unprecedented. Yet in the throes of this global health emergency, we have been able to withstand the headwinds generated by this coronavirus,” Duterte added.

In August, the One Hospital Command system was launched to improve the referral system and interoperability of public and private health care facilities treating patients with Covid-19.

In the same month, Duterte said he would volunteer to be among the first to be inoculated with the Covid-19 vaccine being developed by Russia, Sputnik V, to show “great trust”.

Malacañang, however, said the President would first have to receive approval from the Presidential Security Group (PSG) before he is permitted to push through.

Also in August, he formed a task force headed by the Department of Justice to investigate alleged corruption in the state-run Philippine Health Insurance Corp. (PhilHealth) amid the pandemic.

He also ordered the implementation of a reshuffle within the state insurance firm following the appointment of new PhilHealth chief Dante Gierran.

Equal access to vaccines

On September 23, Duterte, for the first time, participated in the United Nations (UN) General Assembly, where he stressed the importance of ensuring universal access to anti-Covid-19 technologies and products, including a safe and effective vaccine.

“When the world finds that vaccine, access to it must not be denied nor withheld. It should be made available to all, rich and poor nations alike, as a matter of policy. The Philippines joins our partners in the Asean and the Non-Aligned Movement in raising our collective voice: the Covid-19 vaccine must be considered a global public good. Let us be clear on this,” he said.

Duterte talks to the people to give updates on the government’s response to Covid-19. (Presidential photo)

Duterte reiterated his call for equal access to vaccines in his speech during the 37th Asean Summit on November 12, adding that the immediate priority right now should be “health security.”

“We must work together to ensure that all nations – rich or poor – will have access to safe vaccines. No one is safe until all of us are safe,” he said.

On October 27, Duterte said he favored a government-to-government transaction in the purchase of Covid-19 vaccines, saying it would prevent the risk of corruption.

In November, Duterte signed EO 118 placing a price cap on reverse transcription - polymerase chain reaction (RT-PCR) testing and test kits for Covid-19.

In signing the EO, the President recognized the priority of the state to ensure that the general public, especially those from low- and middle-income households, have “equitable access” to quality and affordable health care services, such as Covid-19 tests.

Although initially against the payment of reservation fees, Duterte on November 19 approved the recommendation to make advance payments to suppliers of potential Covid-19 vaccines.

He agreed to enter into advance market commitments (AMCs) to avoid being among the last countries to acquire a vaccine.

He approved the recommendation a day after he noted that the government must get the "best bargain" for the country's supply of Covid-19 vaccines once available.

On December 1, Duterte, through EO 121, granted authority to the Food and Drug Administration to issue an Emergency Use Authorization (EUA) for Covid-19 drugs and vaccines subject to several conditions.

The EUA is expected to speed up the processing time for approval of potential vaccines from six months to 21 to 28 days.

Currently, the government is negotiating with several pharmaceutical companies for the procurement of Covid-19 vaccines – Pfizer Inc., Moderna, AstraZeneca, Johnson & Johnson, Novavax Inc, Sinovac, and Sputnik V.

Every Monday night, Duterte presides over a meeting with the Inter-Agency Task Force for the Management of Emerging Infectious Diseases (IATF-EID) core members before his talk to the people to give the public updates on the government’s fight against the pandemic.

In several speeches, he assured the public that the purchase of Covid-19 vaccines for Filipinos would be free from corruption.

The poorest of the poor, the elderly, uniformed personnel, health care workers, and those with comorbidities will be prioritized in the government’s immunization drive.

As Covid-19 vaccines remain unavailable, Duterte has repeatedly reminded the public to strictly observe health and safety protocols, particularly the wearing of face masks and face shields, washing of hands, and physical distancing.

He cut short his Christmas vacation to meet with government officials on the new strain of SARS-COV-2 found in the UK on December 26.

During the meeting, he suggested the creation of a new task force that would focus on the new strain.

Duterte later approved a recommendation to temporarily ban “all foreign travelers” from the UK and 19 other countries from entering the Philippines until Jan. 15, 2021.

On December 28, he signed the PHP4.5 trillion national budget for 2021 that includes funds allotted to boost government efforts to respond to the pandemic and provide critical measures to aid the economic and social sectors.

As of December 29, local health authorities reported a total of 439,016 recoveries and 23,348 active Covid-19 cases.

The virus has so far claimed 9,162 lives in the country. (PNA)

***

References:

* Philippine News Agency. "Fight vs. Covid-19 takes center stage in Duterte's 4th year." Philippine News Agency. https://www.pna.gov.ph/articles/1125952 (accessed December 30, 2020 at 11:41PM UTC+14).

* Philippine News Agency. "Fight vs. Covid-19 takes center stage in Duterte's 4th year." Archive Today. https://archive.ph/?run=1&url=https://www.pna.gov.ph/articles/1125952 (archived).

#Philippines #News #Filipino #Pinoy #Tourism #Politics #Culture #Editorial #Environment #Society #History

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fortunatelyfoggyphilosopher-blog · 5 years

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Highs and Lows: E-Shopping

I love physical shopping and the sensation that it fills for my endorphins. I enjoy the social aspect of shopping and being able to see and touch my purchase options. Currently my shopping days are limited as most of my time is filled up with work, school, appointments, errands and most important, being a mom! Life’s duties do not allow too much time for “mom” to shop—I am lucky to be able to hit the grocery store each week. The solution—online shopping. With just a quick search, click, and checkout and my shopping needs are met. Online shopping is becoming a widespread trend, but there are pro’s and con’s that come along with e-shopping.

Advantages of e-shopping:

(1) Convenience

(2) More variety

(3) No crowds or lines

(4) Better pricing

(5) Easy price and product comparison

(6) Easy access to used inventory

(7) Easy to send gifts

(8) Privacy in discrete purchases

(9) More control

Disadvantages of e-shopping:

(1) Shipping costs and delays

(2) Fraud and scam sites

(3) Return on inventory complications

(4) Lack of sales assistance

(5) Impacts on small and local business profits and growth

(6) Do not always know exactly what you are getting

(Jain, 2018)

In my opinion—convenience, variety, and pricing are amongst the top of the reasons consumers shop online more often than they do through traditional means.

Convenience—it cannot be stressed enough that consumers are busy and want options that best suit their needs and wants. Why wait in long lines, fight large crowds, and lose over parking space battles? Online shopping is open at a computer, phone, or tablet near you 24/7.

Variety—Online shopping has an infinite amount of options and selection choices for any product or service that you can think possible. Online retailers provide unique items that ordinary and traditional brick and mortar stores do not offer. Different styles, colors, designs, and sizes are available at the cyber-mall. When inventory runs out, most e-retailers will notify the shopper or ship that item to the shopper once it becomes available.

Price—Online shopping presents an opportunity to price compare with different retailers. A lot of the time, online distributors, like Amazon, have competitive pricing when it comes to similar products and brands. If enough research is conducted ahead of time, most completed transactions can occur without additional or unnecessary costs, such as excess fees and shipping and handling costs. Personally, I may shop or review an item directly at the brick store, but use the brick store as a sample showroom and proceed to find that item online at a more reasonable cost. I believe that many consumers use similar philosophies.

It is all in the consumer preference, but busy consumer schedules and commitments are helping push the online shopping trend. Let’s face it, 51% of Americans would rather shop online and experts predict e-commerce sales to break the $3 trillion mark in 2019 (Corless, 2019). Further research predicts that online commerce will continue to trend and there are many factors that will enhance that trend. To name a few:

(1) Big Box retailers are constantly falling out. Major store chain closings like Best Buy and Toys’R’Us, have many brick and mortar location closings due to the rise of online shopping.

(2) Social media will drive purchases.

(3) Voice assistance technology for younger and older users, such as, Amazon’s Echo and Apple’s Alexa.

(4) The explosion of online grocery and fast food purchases.

(Stone, 2018)

Consumer spending on the “goods” portion of goods and services powers roughly one quarter of the economy—this follows that retail is uber-susceptible and economic forces mold our society. Consumers want convenience. Technology has provided tools for retailers: consumers accept user agreements and pop-ups, trading gobs of valuable personal data in exchange for that convenience. Convenience is a prized commodity, almost more than the shopping experience itself (Harrington, 2018). Online retailers can offer lower prices and larger assortments than traditional brick and mortar retailers. Shopping online still has its pain points—gauging quality can be difficult, entering information, creating new accounts, payment issues, and high shipping costs cause shoppers to abandon carts because they are not simply not ready to purchase—“Yet”. 55% of Americans conclude this statement. Online retailers can drive more business and secure customer retention by considering the following options:

*Implement exit-intent pop-ups.

*Eliminate surprises.

*Offer free shipping.

*Make check-out process simple and quick.

*Offer a “save the cart” feature

*Show security badges

(Fernandez, 2019)

The enhancing technology has been innovated and there are some pretty neat features that online retailers are using to engage more consumers online each day:

*Virtual Showrooms—Lowe’s created its “HoloRoom” that guided visitors through home improvement projects in VR.

*Swipe and Shop—Instagram has a shopping feature that allows users to tag stickers onto stories in order to display merchandise detail and provides shopping links.

*Mirrors—FarFetch Fashion introduced touchscreen mirrors and clothing racks that sense when an item is removed and beam that projection to a shopper’s smartphone.

*Face-Time—Lolli & Pops recently installed a facial recognition feature to flag loyal customer and compile customized shopping recommendations to them.

With this booming trend moving faster than ourselves, how can consumers be sure that they are making the right choice and getting the most value in exchange for the cost of the product?

1) Read customer reviews. They can provide helpful advice. Be sure to watch out for 5 star reviews, they are normally paid for reviews.

2) Coupon codes, get ‘em. Consumers should explore different coupon code sites that provide discounts or use browser add-on to automatically have available coupons applied when checking out online.

3) Be sure to read the return policy. Make sure there are no added costs on returns, as well as to ship the item back. The items should always be exchanged for payment reimbursement.

4) Check out shipping costs. Some vendors provide free shipping and handling when a certain limit is spent on an individual order.

5) Check fiber content. Because you cannot touch and feel online products before purchase, look at product details for item’s quality features.

(Humiston, 2019)

Online retailing is a popular and convenient trend and will continue to grow. With all the moving parts quickly moving, it can become difficult for an individual to wrap their head around all of the different concepts that are out there and available to use. Online shopping is supposed to make are lives easier, but does it really? Consumers’ expectations, at times, seem unreachable as it relates to online shopping expectations. Online retailers will have to step up their game as it relates to their strategies and implementations towards consumer engagement. I will continue to shop using both channels—as I receive different fulfillment from each sector. It is helpful to know that there are free tools and resources out there that can enhance the online purchase experience. There are still advantages to traditional channels of shopping, and I still feel that customer loyalty remains in the traditional shopping sector. Now the question is how online retailers plan on gaining a larger share of that loyalty? What can be done differently and how can one create an online retail competitive advantage? Time will only tell.

By: Rachel Danz

References:

Corless, M. (2019, January). 40 Amazing Online Shopping & E-Commerce Statistics. In The Hustle-Selz. Retrieved from https://founderu.selz.com

Fernandez, M. (2019, January 7). 11 Proven Ways to Reduce Shopping Cart Abandonment. Retrieved from https://optinmonster.com

Harrington, C. (2018, November 19). The Wired Guide to Online Shopping (and Digital Retail, Too). Retrieved from wired.com

Humiston, A. (2019). Your Guide to Making Online Shopping as Easy and Effective as Possible. In More Fashion. Retrieved from https://www.more.com

Jain, A. S. (2018, October 31). Top 10 Benefits of Online Shopping (and 10 Disadvantages). In Tough Nickel. Retrieved from https://toughnickel.com

Stone, M. (2018). 5 Trends That Will Drive Online Shopping in 2019. Forbes. Retrieved from forbes.com

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marlabs-blog · 5 years

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Digital Disruption & The Road Ahead for Technology Service Providers

Digital Disruption &The Road Ahead for Technology Service Providers – blog by Prakash Hingorani

If we call the “Combustion Engine based Automobile & Oil” as the “Old Economy” and we all are now looking at Digital as the “Next Gen” it becomes so natural that “Electric Cars represent the future which is the Digital Age”

From a technology services industry perspective, the emergence of cloud services/ products, Artificial Intelligence (AI)/Deep Learning and IoT, over the last few years are having a disruptive impact, they now represent the Digital Age and Digital Transformation in Technology Services.

So, if we go by the pace of technology acceleration and cloud adoption over the last five years and factor in that every five years the rate of change is only going to accelerate, the predictions, for various industries are pretty radical.

As we have seen the rise of cloud services/products over the last few years, we are witnessing a radical shift in the mindsets of our consumers. We are witnessing more customers getting used to the “App Mindset/Revolution” and better User Experience and User Interface. This started with the emergence of the 99c instant app download mindset in the consumer space and has now overflowed into a similar mindset of consumers in the business world. The business users do not want to wait for a year for their tech folks or vendors to build a custom app. Idea to application prototype and prototype to final product time has remarkably reduced.

The basic question one asks today is “Is there an App for that?” This has become a common phrase, it has virtually become part of our life. Let’s analyze the power of this statement and how it has transformed every aspect of our work environment.

Users in every category and industry are first looking to explore if there is an app to solve every need or a problem they encounter.

Let’s take a leaf out of this and apply the impact to the Industries serviced by Technology Providers. Most CIO’s (Chief Information Officers), CTO’s (Chief Technology Officers, CMO’s (Chief Marketing Officer) now consider their first priority to explore options which are off the shelf – Cloud/SaaS based and easy to start, work straight out of the box or like an app. Main theme is why build if you can buy of the shelf – Cloud or SaaS based products.

There are numerous examples of Vendors/Organizations providing such ecosystems, to name a few such as Salesforce, Workday, and Quick Base. The common theme – Low Code/No Code “Less Code & Less Maintenance”.

Instant gratification! Gone are the days where CIO’s would have 3 to 5-year build plans. The life span of a CIO is now 24 months to 36 months, so he or she has must show early value and quick results. The best way to get early value for them is to look at cloud-based products or off the shelf solutions which can be installed quickly and allow users to have instant benefits. This does not need much of capex investments. The CIO’s can look at customizations and integrations to other systems in phase II.

These are also emerging trends as we are witnessing more CMO’s take the lead on innovation and are driving a larger share of the IT budgets.

If you analyze Michael Porters value chain of an organization, each aspect of it

(inventory, procurement, manufacturing, sales, marketing, finance, human resources can be covered using cloud/SaaS (Software as a Solution) based apps/solutions without really having to build custom applications. Ecosystems around cloud-based platforms (like Salesforce, Workday to name a few) can provide end to end solutions for major functionalities within an organization.

One can then look at many integration solutions (like, Mulesoft, Dell Boomi) and other frameworks available to integrate and enable different systems to talk to each other. This reduces time to market, reduces cost of implementation and maintenance.

For example, today creative organizations (say in non-manufacturing sector) can look at a combination of products like, Salesforce or Workday based ecosystems to deploy them as a mini ERP utilizing their CRM, finance, logistics and distribution modules, it would be a straight out of the box implementation for majority of their system requirements. This ecosystem has matured over a period of time they have enough real cases to fit most organization & processes. It is also becoming more flexible and cost effective from a licensing and maintenance perspective.

What does this model do for Traditional Technology Service Providers who depend on building custom solutions for their customers? This disruption has mostly large and midsized global technology solution providers extremely worried and rethinking their support model.

The trend clearly is moving towards those companies who can deliver value through a “platform”, “product” or “accelerators built on an existing platform” or those service/product providers who have an advantage on integration services (middleware and integration partners). Traditional Technology Service providers will find it difficult to survive on a “Custom Build Mindset”.

The technology trends are moving more towards building products and services around ecosystems. The largest ecosystems are converging around Amazon, Microsoft, Google, Apple, Oracle, and SAP, and Salesforce.

But what does that do to traditional technology solutions/service providers?

Right now, they work on a model, which looks at building and testing custom software solutions (be it on a waterfall or Agile Methodology) for their clients. They deploy thousands of developers and testers, BA’s (onsite/offshore) to do custom build, maintenance of existing systems and enhancements however, the Cloud based product model puts a big risk to these jobs.

In the Digital Transformation Age “technology service providers will need to relook at their value proposition and ensure they have alignment and value creation around some of the above-mentioned ecosystems.

However, the bigger question to ask is “If most services and solutions are available using a cloud platform or an AI based service/product” what does that do to the role of a traditional technology service provider? How do these organizations create sustainable competitive advantage? It is important to understand the main driving force behind this.

If you as an organization are supporting an industry and that industry is being disrupted or being re-invented, how is it possible for that change or disruption not to affect your existing model?

Now translate the above into the jobs of the future and the job losses emanating out of the cloud and AI movement.

If we see the future on a parallel track, the auto manufacturing and related services industry is getting disrupted due to the electric and autonomous vehicles, that will lead to job losses and economic re-orientation on a historic proportion as explained in my earlier article.

We are witnessing Artificial Intelligence based engines helping organizations with QA automation, helpdesk and service desk automation. AI and Deep Learning based platforms are helping in predictive analytics. Many Organizations are improving internal efficiency using automation tools for DevOps (CI/CD), Infrastructure & Deployment Automation using cloud services from AWS and Azure

Over the next 2 Technology Decades (10 years) the performance and reach of AI and Cloud based services and products will only accelerate, this will tremendously help organizations to innovate quickly as their speed to market will accelerate at a rapid pace and they may be able to achieve innovation on demand or close to on demand. The trends indicate that 47% of US jobs are at risk due to automation driven by AI and associated technologies. This is no longer restricted to blue collar job, most of this impact will be on white collar/service jobs.

The pace of change is profound, and organizations need to relook at this digital disruption and digital transformation as an opportunity to change and align with “The New Digital Economy”

Let’s take the example of Banking & Financial Industry:

FinTech is radically transforming and disrupting the traditional functions of the banking and financial services industry. The Digital Bank with Digital Security is replacing the Traditional Brick & Mortar Banks. Emergence of Block Chain Technology, Crypto Currency and Digital Wallets are having a tremendous impact of how banking services are provided, and financial transactions are audited. These are also changing how compliance and settlement services are being conducted. We can already see the benefits of digital transformations using digital wallets & Mobile payments in some of the developing world in fact, Block Chain Technology is no longer restricted to Banking and Finance, it is being adopted across industries like Retail, Insurance, and Real Estate.

These technologies will have an impact on the nature of jobs and will disrupt the traditional industry job market. We are witnessing the massive change in Digital Payments in Countries like India who are embracing digital technologies in all aspects and industries.

Emergence of Apps like Wealth Front, Venmo are challenging the domain of traditional investment advisors and banking/payment industry. The emergence of high-speed trading and artificial intelligence-based algorithms have had tremendous impact on the Role of The Traditional “Trader in the Stock Market” and the Business Analyst in the Financial World.

Nimble Cloud Based Fintech Service and Product Providers are disrupting large Banking and Financial Services Organizations. These New Fintech firms have cloud-based products do not have large legacy applications to support like the traditional banks. Technology services firms that are supporting the Banking & Financial Industry will have to rethink their models of support

How should technology consulting firms restructure their services to thrive in the “New Digital Economy”

Develop a Customer Experience/Journey Map The start of the digital transformation journey is to create the map of how the customer consumes or experiences your services. How digital transformation has changed that experience. The service provider needs to create this map for every industry segment it services. For their survival they will need to stay nimble by look at creating value at every stage of the customer’s new digital journey/experience.

Create a group of small startups within your large organization. Large technology service providers will need to create a startup culture within their organization. They will need to break their organization into small startups catering to each industry segment. Each small group within the organization will need to focus on creating value within a particular segment and learn to be nimble and work on small projects and small teams. For example, get teams across a few innovative segments like IoT, UX/UI, Digital Enablement, Cloud Services, Digital Security, Digital Product Engineering. This will put tremendous pressure on large technology service providers as this model contradicts their norm of getting large single engagements from clients. Now they will need to adapt to small engagements.

Create New Competitive Advantage based on a Digital World. Every Industry be it retail, automobile, media, publishing is undergoing a digital disruption/digital transformation, and this has given rise to numerous opportunities for technology services firms. It is a level playing field between the Big Consulting firms and mid-size organizations. Every tech services organization should look first internally to understand its core value and its key differentiators that has helped it so far. It requires a very detailed analysis of the type of work and value it currently delivers to its customers across industries. Then map the industry movement and the digital disruption that is affecting that industry. There should be a map showing the value chain, the organization must analyze where in that new digital value chain, will it create a competitive advantage. After analysis, they should narrow down maybe 3 to 4 key value drivers and each should answer the following question, “Which Industry and What Value Will it Create” How do we service it: Through,

a) A New Service Platform b) A New Product offering c) A New Integration Offering

All of the above will need to be driven from creating an IP (Intellectual Property) mindset. Each Organization will have to carefully evaluate what Value they deliver to their end customer and industry. Once the matrix evolves around a few customer segments and industries then they should look building either a platform, product or service which gives them a competitive advantage and helps their customer deliver value to the Industry they serve.

“The Road head can be summed up as “Be Prepared to Disrupt Yourself or Get Disrupted”

Source

#Digital disruption #Cloud platform #Cloud based services #Digital user experience #ux

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clickairadio · 4 years

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CAIR 13: Therefore What Does COVID-19 Mean To MY Business ??

What can AI do to help small businesses with so many business failures taking place with COVID-19? There are plenty of stats around that quantify the number of businesses dropping. Understanding these stats is useful, but, it leaves us to ask: Therefore What? Therefore, what can AI do to help the business owner mount a massive plan to rebuild, and pursue the business vision that was once your??

Hey, welcome everybody. This is Grant thank you for joining another episode of ClickAI Radio. All right, so been thinking again, still this is really part two of AI combating COVID when you when you think about all of the all of the carnage, if you will, in terms of the impact of businesses, definitely the impact to human life has been horrific. But also the impact to the businesses as well. And all the people's lives affected by that. You start asking the question least I have, I've been thinking, what can I do to help small businesses with so many business failures taking place? due to COVID-19? Oh, here we are in the first of September, and we've got lots of credit, potential downstream problems coming to us. There are plenty of stats around we're going to take a look at some of those that quantify the number of businesses that have been dropping that have been falling by the wayside. Understanding the stats, I believe is useful. But it also leaves me to ask therefore what they're For what can I do? What can I do? What can I do with AI, as a business owner to mount a massive plan, to rebuild and to pursue the business vision that was once yours? What are the things that we could do?

So I don't want to just focus on here's all of the negative things happening. It's important for us to understand what's happening. But we also want to pivot forward and look to the future and say, therefore, what can I do to regrow and regroup from this. So first part, let's take a look at some of the stats going on. First one comes from Bloomberg, this is a report that came out is around the end of July, so it's about a month old. It indicated they actually were referencing Yelp. And with Yelp, they had shown that that there was more than 80,000 companies that had permanently shut down now that was during the period of March 1 to July 25. Have those 60,000 more local businesses, meaning they have fewer than five locations, about 800 of the small businesses filed for Chapter 11. Interestingly, there's a fair number that did not file for chapter 11. That's that's another another conversation. In any event, that that amount right there is up about 30% or more from last year during the same period of time. So that's a big number. That's a big shift. Let's look at another stat here. It says, you know, while the businesses you know, these small businesses are having these challenges, the firm's with fewer than 500 employees, and up accounting for about 45% of the US economic activity. That's quite a bit when you think about it. Almost half of all American workers come through these small to medium businesses. And here's another stat also from Bloomberg. It said hey, in June of 2020, there is a survey that showed that 31% of owners reported lower sales in the past three months, while 7% reported higher sales a year earlier. All right, you kind of expected that. All right. In the same survey, though only 13% of business owners said it was a good time to expand. Right? That's a dip from 24% a year earlier.

Alright, so fewer thinking, Hey, I'm thinking bullish about business right now. So that's not that's not too surprising. There's some interesting stats in terms of the businesses that have had impact, you know, largest impact, no surprise here, the restaurant sector took the biggest hit right there. Retail and shopping was the next largest beauty and then automotive and then down into event planning and that order in terms of order of of impact or level of impact, I should say. All right, that was from Bloomberg case. So that's one view of the impact of the small businesses end Jump over here. There's another report from the Proceedings of the National Academy of Sciences. And they just quickly they pointed out about 50% of small businesses have one to two months of cash available. There were some other stats to it came down to it was around 15% or so had three to six months of cash available. So cash is king, and boy if there's no cash coming in, and that's all we've got in terms of our runway, that creates, obviously a massive problem. So that's another issue. Of course, the question that leads me to think is, is there cash in the business that we're not getting access to? And I actually believe there is I believe that AI from my experience, we can use it to help us discover cash that's available. I'll talk about that in a bit. here's, here's the third area, a third report from CNBC. That came out in the end of June. Talking about the amount of help that small business owners had gained the the payment protection pro met or excuse me the paycheck Protection Program and the economic injury disaster loan program.

All right, those aren't easy to say, not easy to roll out anyway, they, they gave out nearly $630 billion in funding. And about one fourth of the small businesses that receive that funding are already considered or considering closing their doors. And of course, the question that comes up is, gee, how do I pay back? Right? And what's the implications? Right, will there be forgiveness if I do close my doors? That's a whole other topic as well want to shift the thinking? So that's a dark picture, right? But I believe that there's a bright future ahead of us as a people. And with that, I want to talk about some techniques where we see AI being used To combat COVID itself, and then we'll shift another segment as well. But just briefly in this segment, ai combatting COVID this particularly comes from a report focusing on Asia, right? And so what are different countries in Asia doing so there's Mainland China, Hong Kong, Taiwan and South Korea, in this report. In this report, it pointed out the following places where they are gathering data, and that data is being used then for AI purposes. So I'll break this into piece first, where are they collecting the information or the data? Alright, so between those different countries, they're collecting it from places such as transportation systems, Immigration and Customs databases, obviously the COVID-19 databases so healthcare data, so multiple countries are using that data, mobile data, mobile technologies Right social media, credit card transactions, closed circuit television. So you know, security cameras, GPS on the car, and then wearable tracking devices. All right, so those that there was like eight or nine different locations, and you start thinking, Wait, what's the connection between that data and COVID and and something to help me address COVID related scenarios. So I'll just call out a couple of the so one of them is an AI based tool that facilitates targeting lockdown and reopening, right so in other words, it monitors where a person should be right of course, there's different cultures and and government policies. I'm not here to comment on those, but in any event, so using some of those trackable device data or mobile data, etc. If you're classified as a you know, you've got COVID then you are asked to stay within certain location. And there's some AI helping to monitor that.

There's other AI based tools in these countries being used to enable quick diagnosis and classification of patients, right. And we've seen some things. Yeah, here in the US. Some organizations doing some things like that. I'll mention one here in just a moment. And so that's a critical way and unnecessary way to use AI. All in all, there's some strict home quarantines for those that have COVID in those countries. And as a result, use of this data across all these different data sources that I had mentioned, are being applied. All right. So that's AI combating COVID nasia capturing a two part sort of a social cultural use of AI Hey, stay where you should. And then there's there's the approach that says, hey, we're gonna actually gonna try to diagnose, diagnose you better with that. All right. Talk about here in the US So, and I h launched a medical imaging technology using AI to fight code. This came out in the health analytics.com report. So the NIH rolled this out not too long ago, here comes a big acronym am idrc. So that's medical imaging and data Resource Center, what they're doing is they're utilizing AI, medical imaging, to course look for those assessment opportunities. And earlier that they can assess it, then then the better. Of course, they have the opportunity to help the patient with that. So they're gathering large repositories of COVID-19 chest images, and the idea there are courses. It allows the researchers to ask critical questions, and then ultimately to develop what the appropriate next steps are for the people. So that's a cool way to use AI, obviously to help people's lives. So the question is Therefore what? Right? So if you're a small to medium business owner, if you're an entrepreneur, you try to make it through this tenuous time where there's lots of companies that have been dramatically impacted negatively in lots of people's lives who have gotten sick with this.

Therefore, what does this mean to your business? So as a business owner, we need to at times, think as a researcher, right? We need to look for ways to evaluate your business data. How will you evaluate your business data? So just as those COVID researchers are certainly evaluating tissue data and asking critical questions? What business data will you evaluate? What questions do you have about your business now what this means to your business is that you should run some AI predictive analysis on your business information. In other words, turn your data upside down, inside out, look for the successful patterns that built your business. Many of them you know cognitively or empirically In other cases, you won't know them, right. And we want AI to be able to highlight those and make you aware of those. And just as it's important to understand what the positive patterns have been, also look for patterns that created negative growth, right? And the sooner you can discover them, stop doing them. Right. And so AI, there are some that you already know you don't need AI to tell you. But there are others where there are times where AI points out interesting patterns or behaviors, and you need to be apprised of those and stop bleeding cash in that happens. So if you want to learn how to do this, subscribe to the channel. Reach out to me, we'll have a conversation and we can help you get started with this. Don't forget the purpose, the mission and the vision for why you started your business. Hey, thanks for joining looking forward to speaking with you again.

Thank you for joining Grant on ClickAI Radio. Don't forget to subscribe and leave feedback. And remember to download your FREE eBook visit ClickAIRadio.com now.

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financialinvestingradio · 4 years

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FIR 94: Therefore What Does COVID-19 Mean To MY Business ??

Thank you for joining Grant on ClickAI Radio. Don't forget to subscribe and leave feedback. And remember to download your FREE eBook visit ClickAIRadio.com now.

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softwareacct · 4 years

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After the Dust Settles: Are You Ready For The Tough Financial Discussions

Over the past few weeks, the IT community as a whole has been stepping up and committing tremendous resources to ensure businesses and individuals can carry on their work and provide vital education and communications. Most are realizing that as a people and industry, we are all in this together. The best way to help clients, employees, and others make it through a global pandemic is through direct communications, prudent planning, and a strong commitment to excellence.

Your customers need you now more than ever before. Due to circumstances out of their control, as well as yours, many of these businesses are being negatively impacted on a financial and a structural perspective. Most non-essential organizations are closed or operating far below their standard capacity. Employees may be working from home or in different onsite locations to meet state and local health department guidelines. Some businesses are furloughing or eliminating employees to stave off long-term cash flow issues, while others maintain the status quo and hope for a quick resolution.

The reality is that relatively few companies will be in the black when the dust settles. Other than those currently making or delivering life-sustaining products and services, many organizations will be cash flow deficient, at least for the short-term, with much uncertainty surrounding their financial standing once things return to ‘normal.’

Government stimulus and supplier options may cushion or even erase the financial pain for some of your clients, but MSPs must prepare themselves for tough discussions regardless of duration. Before you begin those discussions, it’s essential to take a step back and assess your company’s current situation, and then start mapping out strategies to put your business and your clients in the best possible financial position in a post-pandemic world.

Shared struggles

As that old saying goes, ‘the best offense is a good defense.’ No matter how great your revenue streams are at present, every MSP should be developing fluid plans with various options to address all the actual and potential short-term scenarios. A proactive approach will help protect your financial situation and ensure your firm is fully capable of supporting your clients when the dust settles.

Start with a strategic view. Have you had one-on-one conversations with each client’s decision-makers to assess their operational and financial health? One goal should be to determine how long those businesses can maintain their current level of activity without reducing their workforce (if they haven’t already) or having to close their doors.

Now is the time for an honest dialog between entrepreneurs. In some cases, you may be able to share management best practices or COVID-19-related banking or government resources that can benefit both parties (more on that later). Listen and show empathy for their situation, since they may be experiencing similar problems, and remind them that you’re in this together.

The channel experts suggest MSPs hold firm on pricing and services. Support your clients as much as possible, especially those that significantly shifted their workforce. Consider options such as delayed billing, with extended repayment plans, or temporarily cutting services or trimming the unused seats from furloughs and layoffs. Avoid price reductions and contract negotiations as much as possible and suggest putting off those discussions for 90 days or more (if possible). You can be empathetic without negatively impacting your MSP’s long-term cash flow.

Don’t let COVID-19 reshape your financial model

Technology and innovation, two of the bright spots to come from this pandemic, are your value proposition, and MSPs should be careful not to undervalue their services in light of what some may view as a ‘buyer’s market.’ Most business owners have real concerns about revenue shortages and cash flow fluctuations, but some will leverage the situation to get price discounts and free services from their suppliers.

Are your current clients truly suffering financially? Many organizations, including managed services providers, are actually growing during the pandemic. Some essential businesses are busier now than ever before (i.e., grocers, cleaning services, delivery companies), and others are relying as much, if not more, on IT services to run and secure their operations.

That’s not an easy thing to gauge, and few business owners are going to willingly share accounting data to back up claims of lost revenue or increased expenses to cope with the pandemic. As with any relationship built on trust, MSPs must take their clients at their word and help them resolve any payment issues that arise over the coming weeks and months.

If businesses are asking your team to drop seat counts or cut back on services, it’s usually a sign that things are not going well. However, in the current situation, the leadership team may simply be conserving resources and altering its emergency business plan to position the company for a healthy return after the pandemic restrictions lift.

With all the available government funding and loan options, organizational strategies and options are plentiful, even for those companies that are furloughing employees or otherwise reducing their workforce. Don’t assume your clients don’t have a viable financial plan. Be confident and supportive in those discussions and realize that now is the perfect time to talk regularly with key decision-makers. These ‘executive to executive’ conversations can, if done well, strengthen your relationships and create a more open dialog with these clients. Check-in and ask what they need to make it through the current crisis.

Use caution. Some savvy business owners will use the situation to renegotiate contracts with suppliers, including those that provide and support the very IT infrastructure that is keeping them operational during the crisis. Hold firm and remind your clients of all the valued services your team continues to deliver and only discuss discounts on a case-by-case basis. Avoid making across-the-board pricing decisions and manage the exceptions.

In those limited cases, provide temporary adjustments with set expiration dates, and be sure to get it in writing ‒ with your attorney’s approval. As mentioned previously, the best offense is a strong defense. Protect your company’s long-term interest by developing a solid (yet fair) strategy for dealing with contract renegotiation and price reduction requests. Develop a plan that allows your team to show empathy without compromising your cash flow.

Be sure to remind your clients of the value you bring to the table. If your business has to cut back to make up for pricing discounts or a significant increase in A/R, it will be harder to protect and support their business. You are all in this together.

Share stimulus resources

Technology is just one area where MSPs can help their clients (and other businesses). Some tend to forget that B2B is about building more than sales relationships with other owners, but personal connections that can benefit both organizations. In uncertain times, most everyone is looking for the latest information about government and lending programs, as well as tips and best practices for navigating through the endless red tape.

If you’ve spent any time deciphering the details in the Coronavirus Aid, Relief, and Economic Security (CARES) Act, or have a personal relationship with an expert on that topic, discuss those resources with other entrepreneurs. Collaboration and information sharing is vital in times of emergency. Discussing the stimulus options available to small businesses may be just as valuable as stopping a significant cybersecurity threat today.

After all, those financial incentives can help ensure your clients can cover their payroll expenses the next couple of months and keep most, if not all, of their seat licenses intact. That’s a win-win opportunity for MSPs.

Resources such as are not only invaluable for providers, but that same information can be just as advantageous for the businesses you support. Why not set up a webinar or teleconference for your clients with a CPA who has a firm handle on the current stimulus options? Using social media and newsletters, your firm can distribute similar resources and best practices to a broader business audience and make introductions to local experts who can help them navigate through the various grant and loan applications.

Now is the time to be proactive and creative. What else can you do to support your clients and community and give people a hand up in this time of crisis? After the dust settles, you can worry about lesser things and refocus sales and marketing efforts, but for now, the best support you may be able to offer some clients is empathy and information. Help them weather the storm and develop even stronger relationships. In the end, with a sound financial plan and effective communications, your standing with clients will be higher, and revenue streams and cash flow will return.

The post After the Dust Settles: Are You Ready For The Tough Financial Discussions appeared first on ConnectBooster.

#automate real recurring revenue #Leading Invoicing solutions #accounting #accounting software

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connectbooster1 · 4 years

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After the Dust Settles: Are You Ready For The Tough Financial Discussions

Shared struggles

Don’t let COVID-19 reshape your financial model

Share stimulus resources

The post After the Dust Settles: Are You Ready For The Tough Financial Discussions appeared first on ConnectBooster.

from ConnectBooster https://www.connectbooster.com/blog/after-the-dust-settles-are-you-ready-for-the-tough-financial-discussions/

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lavinajqibolyabs86insurance-blog · 5 years

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Porsche Macan Cheap Insurance

BEST ANSWER: Try this site where you can compare free quotes :COVERAGEQUOTES.NET

SOURCES:

Porsche Macan Cheap Insurance

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Porsche Macan Cheap Insurance

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