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Bajaj is working on its first mass market all-electric bike; an electric scooter to follow
Bajaj is working on its first mass market focused electric bike that is expected to launch by 2020 and this model will be sold under the sub-brand christened as Urbanite. Not only a zero emission pure electric bike, but there will be an electric scooter on offer as well and this too will be sold under the new sub-brand.
Overall, the homegrown motorcycle manufacturer aims to launch a range of electric powered zero emission two-wheelers and all of them will be sold through the dedicated Urbanite sub-brand. Bajaj also discloses that it will initially focus on the premium bike segment and at later stage, the company will introduce more affordable two-wheelers. So far, Bajaj wants to become like Tesla in Indian two-wheeler market.
Also read: Upcoming Bikes in India in 2018 – 20+ Bikes
Considering the fact that India is rushing towards adopting zero emission pure electric mobility across the country by 2030, under the central government’s Mission EV 2030, Bajaj aims to grab a significant chunk in the two-wheeler segment of Indian auto market. Interestingly, Bajaj wants to roll out an electric powered three-wheeler as well, which will give the company an edge over its rivals.
Bajaj is not the only brand in the Indian two-wheeler market that is working on electric powered models. Country’s biggest two-wheeler brand Hero MotoCorp and another major company TVS too are working on their own zero emission products. As it looks, Indian electric two-wheeler market is about to see a fierce competitive environment in coming years. This could help in significantly reducing air pollution level across the country.
Also read: Upcoming Bikes Under 900cc in India
While Bajaj has already confirmed about a new sub-brand dedicated for the marketing of the electric two-wheelers, it is not sure, of these zero emission bikes and scooters will be sold through the regular Bajaj showrooms or there will be dedicated retail network. However, we hope to learn about it more in coming months.


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By WATCHIRANONT THONGTEP
“Using a customer’s journey to make new service offerings by data aggregation is a crucial way to engage with end consumers in the digital age. A successful example of this is travel and airline bookings,” Thomas Mouritzen, managing director for Asean at Accenture Interactive, said yesterday.
His comments were a part of a “Trends 2015” outlook by Fjord, Design and Innovation, a unit of Accenture Interactive.
Accenture Interactive is a subsidiary of Accenture, a global management consulting, technology services and outsourcing company.
Mouritzen suggested that this method would help both brands or companies “reduce the pain of navigating a fragmented experience”, particularly in insurance business.
A lesson to be learned from the customer’s journey is that companies are able to set up new organisational structures and manage their cost base and ability to serve online customers, which is something that would be of benefit for banking services, he said.
Accenture also suggests that many physical actions and devices will become data-driven services, and that companies are no longer immune from digital disruption because their assets are physical and expensive.
“Consider how ride-sharing providers challenge a high-investment industry by deploying transformative digital management systems,” Mouritzen said, adding that businesses use recorded physical actions and sensors to achieve disruptive levels of efficiency.
By doing this, two winners will be those with the market lead in smart devices and those with the market lead in collecting and analysing measurable human action, he said.
“Through digital technology, customers require new services in new forms. We call these ‘living services’, which depend on a customer’s need and liquid expectation,” he said.
However, top-ranking executives must engage and play a key role in the product and service development driven by this online data utilisation, he stressed.
For example, global hotel and resort chain Starwood has developed and offered its guests a mobile check-in and check-out service that allows them to use their smartphone as a key card to enter their room directly.
“This is a way to create differentiation of products and services,” he added.
Nontawat Poomchusri, country managing director of Accenture Thailand, said there was an increasing number of digital-savvy consumers spending more time online, and that in line with that trend, newly affluent and middle-class customers were now playing a key role in the market – and also becoming more tech-savvy.
He pointed to urbanisation as another supporting factor in this regard.
Given this development, financial, insurance, airline and travel businesses should be a high-potential group in terms of the sectors taking advantage of this huge opportunity, Mouritzen suggested.

domain: news


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Unlocking on-disc DLC without paying for it may not be illegal.
At least, according to market analyst, Michael Pachter. Developers and publishers argue that locked "downloadable" content on game discs is a response to rising development costs, and that it's a clever way to use developers who would otherwise be sitting around twiddling their thumbs. Pachter disagrees.
"Yeah, it's just plain greed," he said on Pach-Attack. "The answer is that simple. I think that DLC has been so successful that publishers are trying to get a jumpstart and if you put it on the disc it allows them to unlock it when they feel like it."
"Some guys get it right," he continued. "Some guys take a long time to get it out, putting it on the disc allows the publisher to determine the optimal moment to launch it. All DLC is great, games are getting shorter, DLC is keeping people engaged, it's a profit deal. I don't think it makes much difference how it's delivered."
So it makes sense - at least from a business perspective - for developers to create DLC, particularly day-one DLC, which usually sells far better than content released later in a game's life span. But if the content is on the disc,, and you own the disc, is it legal to access said content without paying? Pachter suggests that may be the case.
"The stuff on the disc, some gamers feel entitled to because they bought the disc, so they should have a right to anything that's on the disc," he said. "And that's a dicey one, you actually do own the disc and I think, theoretically, if you could crack the code on the DLC you probably would be allowed to access it without paying. And I'm not even sure that's stealing because you did, in fact, buy the disc. That's about as close as you can get to legal piracy."
Pachter predicts that the practice is on its way out, as gamers will eventually "push back" against practices they consider anti-consumer. If I may grumpily editorialize for a moment: I don't see that as particularly likely. Based on my experience with the industry, the gaming public will accept any hilariously anti-consumer practice provided it's spearheaded by a popular title. Many are point out that Capcom's recent decision to nix on-disc DLC is a step forward, but the company has only said it's reviewing how such content is "delivered." Is there a notable ethical difference between on-disc DLC and day-one DLC? Because I'm not really seeing it.


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Thanksgiving travel ‘rebound’?
An unofficial tradition of Thanksgiving has been the tens of millions of Americans who travel great distances to be with family for the holiday.
Although last year saw a drop in commuting for the holiday, due to the peak of pandemic lockdowns and mandated social distancing, AAA estimates that this year will see a “rebound.”
In a press release from earlier this month, AAA predicted that 53.4 million people will travel for the Thanksgiving holiday, which will be up 13% from 2020.
“This brings travel volumes within 5% of pre-pandemic levels in 2019, with air travel almost completely recovering from its dramatic fall during the pandemic, up 80% over last year,” explained AAA.
“With 6.4 million more people traveling this Thanksgiving coupled with the recent opening of the U.S. borders to fully vaccinated international travelers — people should prepare for roads and airports to be noticeably more crowded.”


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As the novel coronavirus continues to spread, local businesses are losing their customers, thus affecting nearly 44% of the US economy. Let’s check out the three major ways COVID-19 has affected economic the local and small businesses.
1. Forced Closures
According to a recent survey, COVID-19 could lead to the closure of 15,000 permanent local stores in 2020.
- Millions of people are taking refuge from the outbreak by staying at home, thereby avoiding shopping trips.
- According to the Economic Policy Institute, the COVID-19 outbreak could wipe out three million jobs from the US economy this summer.
- At least 1500 local business owners are most likely to halt their business operations permanently within three months.
What Can Be Done?
- Local flower shops, bookstores, or toy shops can start curbside pickup and delivery system since their usual storefront isn’t available now.
- Gift cards can be offered for later use at restaurants, hair salons, childcare providers, etc.
- Local restaurants can also share their delivery menus on social media pages.
2. Jobless Hourly Employees
COVID-19 outbreak has forced the hourly employees of local organizations to stay at home or quit due to forced closures.
- The number of employees going to work dropped by 18% on March 16th before the closures took effect.
- After the closures, 3 out of every 10employees did not go to work. The number increased to 6 out of 10 by March 22nd.
- Local business workers in numerous cities started working a quarter or less of the hours that they usually would.
What Can Be Done?
- Low-interest loans can be provided to small local firms to help them pay their workers.
- The Small Business Administration, for instance, has said that it is ready to offer loans of up to $2 million to local firms affected by the COVID-19 outbreak.
- Local firms should pay hourly workers for absenteeism due to cold or flu symptoms.
3. Digital Transformation
The COVID-19 outbreak has forced multiple local firms to shut down, thereby causing most of them to turn online.
- As the COVID-19 continues to spread, China’s status as the epicenter of supply chains is causing adverse effects on consumer behavior and local businesses.
- Brick-and-mortar stores are facing harsh realities as governments enforce social distancing and strict quarantine measures.
- The COVID-19 pandemic has turned down the financial markets of local firms throughout the world.
What can be done?
- Local firms can start embracing online business strategies to cater to the demands of their consumers without opening their storefronts.
- They can also communicate with their target audience via social media platforms to preserve the relationship with customers.
- Local businesses can use e-commerce websites to provide essential healthcare and stationery products to their potential clients.
Selina Johnson works as a web developer at a reputed firm in the United States. She also helps students at MyAssignmenthelp when they say ‘do my homework for me’ over calls or through emails and chats. Selina loves to cook in her free time.
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Autonomous vehicles and the insurance industry
Insurers confront the when and how of self-driving cars
As consumers increasingly embrace the future of mobility, auto insurers should position themselves to take the driver's seat-or they could lose the race.
Our new report explores how insurers can develop transformational strategies to remain relevant and create value for consumers, yet still be profitable in this emerging environment.
Deloitte's recent Global automotive consumer insight platform study, highlighted in The race to autonomous driving: Winning American consumer trust, surveyed 22,000 consumers in 17 countries, including the United States, to better understand consumer preferences related to the evolving driving economy. These insights could potentially help insurers get ahead of the curve.


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Tim Bajarin, for Techpinions:
One of the more interesting panel discussions at CES was about disruptive technologies over the next five years. The panelists tossed around ideas they thought would be disruptive over this period — robotics, self driving cars, sensors, wearables, home automation and a few others. Creative Strategies Partner and Tech.pinions co-founder Ben Bajarin was on the panel and was asked at the end what he thought would be the most disruptive technology he saw on the horizon. He stated it would be the fact that more people will come online for the first time over the next five years than have in the past 30 years. The global implications of adding another two billion Internet users could be quite disruptive. Panelist Avi Greengart of Current Analysis echoed that and said the most disruptive technology is already here in the form of the smart phone.
An entire swath of the world population is indeed getting internet for the first time on a smart phone. And that’s huge.
There’s more to it, though, because two related trends are playing out alongside in developed countries:
- Low income households are now using their mobile phone as their primary — and increasingly only — internet device.
- Households who primarily use their laptop for web surfing and internet communications are, in many cases, just as well off using a tablet.
If you’re operating a website and have missed those two trends in the past five years or so, it’s time to wake up.


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M2m has picked up the Sony Pictures account from UM only days after Sony's electronics and PlayStation divisions left the OMD group for MediaCom.
Last week, AdNews reported m2m, part of the OMD Group, was a frontrunner for Sony Pictures. AdNews understands this has now been confirmed but all agencies involved have declined to comment.
In the past year, Sony Pictures in Australia had a media spend of $8 million, according to Nielsen figures.
Sony's agency consolidation is part of a global review that kicked off in May 2015.
Have something to say on this? Share your views in the comments section below. Or if you have a news story or tip-off, drop us a line at firstname.lastname@example.org


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eBay reported third quarter earnings today, which were in-line with Wall Street expectations. Revenue for the third quarter increased 32% to $3 billion, compared to the same period of 2010. This was actually a record quarter for revenue, says the company. Net income on a GAAP basis was $490.5 million, or $0.37 per diluted share, and non-GAAP net income came in at $628.2 million, or $0.48 per diluted share, up 18 percent from 2010. Analysts expected $0.48 cents per share, and revenue was expected to hit $2.9 billion.
The company’s PayPal business continued to help buoy the company’s earnings. PayPal ended the quarter with 103 million active registered accounts, a 14% increase year over year. PayPal revenue increased 32% year over year driven primarily by increased penetration on eBay as well as continued merchant and consumer adoption. PayPal’s net total payment volume grew 31% to $29.3 billion in the third quarter of 2011 compared to the same period of last year. PayPal had its first billion dollar quarter last quarter but exceeded this, bringing in $1.1 billion in revenue, which is up over 30 percent from 2010. And PayPal expects to generate more than $3.5 billion in mobile TPV in 2011, up from $750 million in 2010.
The company’s Marketplaces business also grew, bringing in $1.7 billion in revenue, which is up 17 percent from the previous year. Gross merchandise volume (GMV) excluding vehicles increased by 16% year over year to $14.7 billion. U.S. GMV excluding vehicles increased 14% year over year, and nternational GMV excluding vehicles increased 18% year over year to $9.1 billion, reflecting solid growth in Europe, continued improved performance in Korea, as well as a positive impact from foreign exchange. eBay expects to generate almost $5 billion in mobile GMV in 2011, more than double mobile GMV in 2010.
The company’s GSI Commerce business, which was acquired earlier this year, contributed $202.6 million in revenue for the third quarter. GSI generated $608 million in global ecommerce (GeC) merchandise sales during the quarter.
The year-over-year increase in third quarter GAAP and non-GAAP earnings per diluted share was driven primarily by strong top-line growth, says eBay, and partially offset by continued investment in strategic initiatives and the impact of acquisitions.
eBay Inc. President and CEO John Donahoe, said in a statement, “Our company reported another strong quarter, with eBay, PayPal and GSI each performing well…Mobile commerce continues to accelerate as consumers change the way they shop and pay. We expect eBay mobile commerce to generate almost $5 billion in merchandise volume this year and PayPal mobile to exceed $3.5 billion in payment volume. Mobile is one way online and offline shopping are blending into a single commerce environment. We are focused on enabling commerce, helping consumers shop anytime, anywhere, and being the commerce partner of choice for retailers of all sizes.”
In the Fourth quarter, eBay expects revenues in the range of $3.2 to $3.35 billion million with GAAP earnings per diluted share in the range of $1.47 – $1.53 and non-GAAP earnings per diluted share in the range of $0.55 – $0.58. GAAP earnings per diluted share will include the gain from eBay’s sale of its remaining equity interest in Skype. For the full year, eBay expects revenue in the range of $11.5 to $11.6 billion with GAAP earnings per diluted share in the range of $2.42 – $2.48 and non-GAAP earnings per diluted share in the range of $1.98 – $2.01.
The company has had a pretty significant few weeks. Last week eBay debuted its brand new developer business tomorrow, X.commerce, which stitched together technologies from eBay, PayPal, Magento and GSI. The company also teamed up with Facebook to integrate the social network’s Open Graph into the Magento and GSI global commerce platforms. PayPal also revealed PayPal Access, a payments identity technology that would allow you to carry your payments identity to various retailers on the web.
Donahoe says that the company is focused on ‘enabling commerce,’ giving users a seamless experience across channels. “Retail must be technology enabled and consumer-led”
“We are at an inflection point in global commerce,” Donahoe added. “We believe we’ll see more change in how people shop and pay in next 3 years than in the last decade.”
PayPal’s mobile payments are expected to exceed $3.5 billion, five times what it was in 2010. PayPal’s technology will soon be extended to retailer point of sale locations. In Q4 these in-store innovations will be tested on a ‘friends and family’ basis in a national retailer in two markets.
eBay mobile MGV will be more than double from last year, to $5 billion. Consumers are making on average 3 purchases per second via the company’s mobile apps.
Mobile payments is a fundamentally risky thing, says the company, but PayPal is going to provide a great mobile payments solution that is secure.


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Portsmouth, New Hampshire (PRWEB) April 12, 2014
As the Marijuana Industry sweeps the nation, with high revenue tax bases, states are seriously considering following Colorado's footsteps with projected amounts of over $98 Million.
While Massachusetts sits on the edge of opening Marijuana Dispensaries for the Summer of 2014, it is becoming fairly obvious that states all across the nation are educating themselves about the marijuana industry, including New Hampshire.
Building the firm infrastructure of a marijuana business before legislation happens allows entrepreneurs and companies to stay ahead of the game, while following political leanings in the cannabis industry. Being ahead of that game, by understanding how the industry works, allows businesses to be able to start operations the moment the all-clear signal is given, and that is the information Cannabis Career Institute imparts on students who attend their all day class seminars.
Taught by top professionals in the industry, Cannabis Career Institute classes provide clear understanding of Federal Law, State Law and operational needs to open up a Medical Marijuana Dispensary, Medical Marijuana Delivery Service, Marijuana Grow Operation or even a Marijuana Edibles Operation.
Entrepreneurs come to the class seminar to understand what exactly is needed to get involved in the industry and are taught highly detailed information that would take months, if not years to compile. From understanding compliance to getting to know other members in the industry to network with, students from across the United States have been successfully introduced into the necessary steps required to get started and be involved.
Started by Robert F. Calkin, author and professor at Oaksterdam University in California, Cannabis Career Institute has been operating since 2009 and has been given glowing reports by impartial media critics who have studied the classroom structure and curriculum.
Presented by attorneys, industry specialists and more, students learn various aspects of the industry that will help them ensure better operations, regardless of which part they choose to get involved in.


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Software | October 26, 2006
Scalado nominated in mobile award
Swedish Scalado, a developer of digital imaging software for camera phones, has today announced that it has been nominated for the title of "Innovation of the Year" for its imaging codec that provides lightning fast management of digital phone photography while using considerably less memory in mobile devices.
For the sixth year in a row, the Mobile Gala will be held in Stockholm on 26 October. The gala is known as the Swedish "Mobile Oscars" and is sponsored by industry magazine Mobil, property group Vasakronan, business weekly Veckans Affärer and Kista Science City. Scalado has been nominated in the category for Innovation of the Year, along with Nokia, Sony Ericsson, Optimobile and Terranet. "We are very proud to be nominated for this award." Says Mats Jacobson, CEO of Scalado. "It is a recognition that our image processing technology is the best in the business. Being nominated together with companies like Nokia and Sony Ericsson is also special." Scalado has been nominated for developing its RAJPEG (Random Access JPEG) technology that enables camera phones to encode and decode images at lightning speed. It lets people take an instant picture, zoom in and out and edit images at super fast speed. This process drastically reduces image processing time from seconds to milliseconds.


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Napoli’s offers old-world Italian in South Ogden
Napoli’s Italian Restaurant isn’t “fast food.” It’s an experience.
The South Ogden restaurant, which opened in June, serves authentic dishes in a white-tablecloth ambiance.
“We have customers here who want their food quick, but we can’t make it quick because we want to make sure it’s cooked right,” said Antonio Geminiani, one of the owners. “Our food doesn’t come frozen or prepared. We cook separately for each customer as they order.”
The restaurant’s traditional Italian tomato sauce is cooked for six and a half hours, with fresh basil, garlic and onions.
“We make our bread daily here,” Geminiani said. “We make most of the desserts and most of the pastas.”
So, sit back and take your time to enjoy old-world dishes like chicken Florentine, lasagna, fettuccine Alfredo or veal Marsala, polished off with ricotta-stuffed cannoli or Italian cream cake.
Although it’s new to Utah, Napoli’s comes from a family-owned restaurant group, with 37 locations.
Geminiani said his mother is from Napoli (the Italian language word for Naples) and his father is from Sicily, “so we went with ‘Napoli’s.'” They started their first restaurant in 1987 in the Bronx borough of New York. Then they expanded to Texas, Iowa, Arkansas and Missouri.
He followed the recommendation of a friend in Arizona that Utah could use more Italian food.
“I had Provo in mind, but I didn’t find a good spot,” he said.
Driving north, he found a building he liked on Riverdale Road — formerly a Café Rio.
“We opened June 27 and didn’t advertise until the next day, because we didn’t want to be too busy, being in a new area. But the first night, we were packed.”
Word is getting out, as South Ogden Mayor Russell Porter stopped by the restaurant last week to welcome the new restaurant.
A top seller on the menu is Little Italy — a trio of chicken Parmesan, lasagna and fettuccine Alfredo.
Another popular dish is chicken Florentine — chicken breast, fresh spinach, mushrooms and green onions in a garlic cream sauce over spaghetti pasta.
The seafood combo includes shrimp, scallops, mussels and clams, bathed in a choice of scampi or Alfredo sauce.
Geminiani has been surprised that two spicy-sauced dishes have sold so well: chicken Arabiata and shrimp Diavolo.
“The server is requested to ask how hot you want it, because some people want it very spicy and others don’t want it too spicy,” Geminiani said.
Each entrée includes a salad and house-made rolls with a mixture of olive oil and balsamic vinegar for dipping.
Two top appetizers are stuffed mushrooms and fried calamari. Favorite desserts include Italian cream cake and cannoli — a crunchy tube of pastry with a creamy frosting-like ricotta filling.
Geminiani’s personal favorite is penne Bravissimo: penne pasta with extra-virgin olive oil, garlic, basil, kalamata olives, capers, roasted peppers, sun-dried tomatoes and feta. “I sometimes add in shrimp or chicken,” he said.
“We know food, but we don’t know your taste,” he said, “I would tell every customer, if you don’t like something, give us a second chance and let us find something you like.”
The company has tentative plans to eventually open six locations in Utah.
“But we don’t rush,” Geminiani said. “After we establish the first base, we go to second and so on. We have to make sure everything is good, so that everyone comes in happy and leaves happy.”
IF YOU GO
Napoli’s Italian Restaurant
Location: 4015 Riverdale Road, South Ogden
Prices: Lunch entrees, $13-$18; dinner entrees, $16-$25
Hours: Closed Monday. Open 11 a.m. to 9 p.m. Tuesday-Thursday and Sunday; and 11 a.m. to 10 p.m. Friday-Saturday.


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EMERYVILLE, Calif. (CBS.MW) – Shares of Chiron Corp. rose more than 9 percent on Thursday, after the company reported higher-than-expected earnings late the day before.
After the close of trading Wednesday, Chiron (CHIR) said profit rose 67 percent to $57 million, or 30 cents a share, up from $34 million, or 18 cents a share in the same quarter a year ago, helped by higher sales of drugs and a recently-launched vaccine.
Revenue rose 27 percent to $241 million, up from $189 million.
Results exceeded 21 cents, the average estimate of 15 analysts surveyed by First Call.
Chiron shares rose 4 1/4 to 49.
Chiron said product sales increased 59 percent to $161 million from $101 million in the second quarter of 1999, spurred by growth in all of the company’s business units.
“We are very pleased with the performance and progress of each of our businesses during the second quarter of 2000,” Sean Lance, Chiron's chairman and chief executive officer, said in a statement.
As a result, Lance said, Chiron is revising its profit outlook for the 2000 fiscal year. He said the company now expects to earn 80 to 85 cents a share this year, up from an earlier forecast of 78 cents.
Robertson Stephens analyst Michael King said the company showed strength in all its business divisions, with revenue from each of the three -- therapeutics, vaccines and blood testing --beating his estimates.
King raised his fiscal 2000 earnings estimate for Chiron to 87 cents from 75 cents.
Sales of the multiple sclerosis treatment Betaferon were $70 million, an increase of 13 percent versus similar revenues in the second quarter of 1999 of $62 million. Sales of the cancer treatment Proleukin rose to $36 million from $37 million.
Chiron said vaccine product sales grew 136 percent to $92 million during the quarter, driven primarily by the March 2000 launch of Menjugate in the U.K. The company also makes vaccines to prevent influenza, polio, rabies measles, mumps and rubella, among others.
Second-quarter sales of Menjugate were $41 million. Chiron said it’s shipped about $101 million of Menjugate as part of a national campaign in the U.K. to combat meningococcal C disease.


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Pay for Your Honda Car Instantly with HBL Mobile!
HBL enables its customers to pay for their Honda cars directly using HBL Mobile! The Bank is at the forefront of digitalizing financial services in Pakistan through its technology driven initiatives. Digital payments adoption, especially through mobile apps and wallets have been growing at a very fast pace across Pakistan.
Honda Atlas Cars Pakistan Limited aspires to expand the horizons to provide customer convenience through its numerous products, which can now be realized through digital payments directly from HBL Mobile.
“Purchasing a car is not just a matter of convenience in Pakistan, a household brand name such as Honda Atlas Cars Pakistan Limited enables consumers to lock in value, while servicing customer needs for years to come. Enabling car purchases through HBL Mobile without the need to visit the bank branch will thus prove to be a milestone for the customers looking to invest in their future with a new purchase” said Mr. Amir Nazir, General Manager- Sales & Marketing, Honda Atlas Cars Limited.
Commenting on this partnership, Aamir Irshad, Head Corporate, Commercial & Investment Banking - HBL, said: “Honda Atlas Cars Pakistan Limited has been dealing with HBL for a long time, and Honda is a premier brand in the market. HBL and Honda take great pride in facilitating customers with convenience, security and reliability by enabling them to use digital channels to make these payments. This is a first for Pakistan’s digital payments landscape, and we are proud to be partnering with Honda.”
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Tune-in to the VantageScore Podcasts
Most people find their days are packed with something to do and somewhere to run to. Which is why the daily commute can be a good time to reflect and feed ourselves some worthy brain food. To that end, VantageScore is proud to introduce two new avenues to learn about the latest news and insights in credit scoring.
Tune in, and please do share amongst your colleagues in your credit circles.
VantageScore Podcast Series
Last month, VantageScore launched its own podcast series that showcases open conversations with industry influencers. These podcasts help cement VantageScore as a thought leader in the field and drive the conversations around credit scoring for the purpose of continuing to increase consumer and industry awareness of the VantageScore brand.
The first podcast guest was Dara Duguay, CEO of Credit Builders Alliance and one of the key leaders helping consumers establish credit in the United States. Her work has helped millions of consumers achieve their financial goals and become empowered users of credit.
Just recently launched, the second podcast features well-known credit expert John Ulzheimer, who has more than 25 years of experience in the consumer credit industry. You probably know him from the “New York Times”, “Wall Street Journal”, CNBC, “The Today Show” and even in our very own Score newsletter.
Links to the most common podcast platforms are as follows:
Consumer Credit Podcast Series
In partnership with “American Banker”, we just began a four-part series focused on credit scoring in the credit card industry. Aimed at those who have (or have yet to) attend the Consumer Credit Summit at Card Forum, these podcasts highlight leaders in the credit scoring industry who have impacted the cards market and their thoughts on what is to come.
The first podcast in the series “The Changing Dynamics of Consumer Behavior and Performance in the Card Market” features Nidhi Verma, vice president, TransUnion who discusses the demand for healthy credit and greater access to it with Penny Crosman, editor at large, “American Banker”.
To listen to their discussion, visit: https://www.paymentssource.com/conference/cfe-2019/podcasts
Next up is Kevin Yuann, vice president and general manager, at NerdWallet, so stay tuned!


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Online reviews = offline sales
Tuesday, December 4, 2007/
Shoppers place so much trust in independent online reviews of services like hotels and restaurants that they are willing to pay almost twice as much for them, according to a comScore study reported by ClickZ.
The study found that online, consumer-created reviews have a big impact on prospective buyers, so much so that people are willing to pay up to 99% more for services after reading positive online reviews about them.
Almost 25% of those who eventually pay for local services – anything from restaurants or hotels to mechanics – read online reviews before making a choice, the study of over 2000 internet users in the US found.
The study showed consumers were so trusting of online reviews, they were willing to pay at least 20%, and up to 99%, more if a company was rated excellent or five-star than if a business received a good, or four-star, rating. The study was based on 2078 survey respondents, including 508 who used online consumer reviews.
Accounting software does not underpay staff — humans do Stacey Price Healthy Business Finances founder
Google has updated its search algorithm: Say hello to BERT Lucas Bikowski SEO Shark managing director
Five ways to mentally prepare for the brutal capital-raising process Stacey Fisher Minnow Designs co-owner
You are not your job: Four work-life balance tips to ease you into Christmas Jackie Rahilly Appoint co-founder
Ignoring your ‘obnoxious roommate’: What this founder learnt when she met Arianna Huffington Michelle Gallaher ShareRoot CEO


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The Samsung SM-C5000 which surfaced in numerous leaks for a couple of times now is finally making an appearance.
The device is rumored to be called the Galaxy C5, a new line of Galaxy series smartphones. As the picture shows, it’s going to be made out of a metal body with strong familiarity to Apple’s iPhone sans the camera at the back.
The Samsung Galaxy C5 is said to be powered by a Qualcomm Snapdragon 617 SoC with octa-core CPU, Adreno 405 GPU, and 4GB of RAM. It will be running on the latest Android 6.0 .1 Marshmallow out of the box.


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Pharmaceutical Industry Lupin Inks Strategic Joint Venture Agreement with Yoshindo
Lupin has entered into a strategic joint venture agreement with Toyama based Japanese pharmaceuticals company, Yoshindo to create a new entity, YL Biologics (YLB).
Mumbai/India – YLB will be jointly managed by both partners and will be responsible for conducting clinical development of certain Biosimilars including regulatory filings and obtaining marketing authorizations in Japan.
The new entity YLB will in-license Monoclonal Antibodies (mAbs) from Lupin and also partner with other companies across the globe for the Japanese market which already has a clear cut regulatory regime in place for the development and commercialization of Biologicals. Lupin's Etanercept biosimilar, developed by its Biotechnology Research Group in Pune will be the first product to be licensed for clinical development to YLB. Etanercept (Originator Trade name: Enbrel) is a biopharmaceutical product approved globally for treating autoimmune diseases such as Rheumatoid arthritis, Psoriasis and Ankylosing spondylitis. Enbrel is marketed in Japan by Takeda Pharmaceutical and had sales of USD 496 million.
Commenting on the Joint Venture Dr. Kamal K Sharma, Vice Chairman, Lupin Ltd said, "We are very excited about the joint venture with Yoshindo, a partner who shares our commitment to bringing biosimilars to market in Japan. YLB is a reflection of Lupin's long-term commitment to the Japanese market and is an important first step forward to establishing Lupin's global Biosimilar portfolio."


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|Related Links:||Articles on Bodybuilding|
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During the launching of the BWIA/CAC 2004 Link, Area Manager Carlton Defour congratulated the Guyana Bodybuilding & Fitness Federation (GABBFF) for hosting the championships, stating the airline was impressed with the professional and comprehensive presentation that the GABBFF attracted the sponsorship with.
BWIA will be offering concessionary fares to all participants of CAC 2004 and assistance to the GABBFF for the passing over of the flag in the Bahamas, later this year.
“This is an enormously prestigious occasion for Guyana,” Defour declared.
Defour said it was an opportunity to show off Guyana as the Caribbean’s unique tourist attraction.
Minister of Tourism, Manzoor Nadir said: “Sport tourism is a big activity.”
The minister foresees that 20 per cent of new arrivals will be for the championships, with the way it is being promoted by the GABBFF.
“You are promoting the brand we are trying to push - nature, adventure and eco-tourism for which Guyana will be known,” Nadir said.
Coordinator Donald Sinclair asserted that CAC 2004 would enhance sports and tourism.
“We are in uncharted waters and there will be lessons for sport administrators,” Sinclair said, adding that bodybuilders would have exposure to top class bodybuilding and fitness, while producing revenue for the local governing body.
With over 300 participants from some 38 countries, there will be business for hotels, restaurants, stores, taxis and pharmaceuticals, impacting on the tourism aspect of the event with lessons for visitor management.
“Many participants are in top positions in other profession,” Sinclair said.
International sport television ESPN will also offer a window on Guyana, leading up to the championships, according to Sinclair.
“International sport is not just sport; tourism aspect is always attached,” Sinclair pointed out.
The GABBFF has a carefully planned programme to promote the venture this year, kicking off in earnest with its presence at the Guyana Independence Festival in Toronto, Canada, May 17-18, where it will have a booth and its bodybuilders will make guest appearances at the shows.
Then in September, the championship flag will be passed on to Guyana in the Bahamas, where the GABBFF will also be promoting the event.
GABBFF president Yale Holder disclosed that the CAC Committee had expanded, with committees to deal with accommodation, logistics & security, venue & contestants and local promotion.
Committee Member Jay Small disclosed that signs would be posted at BWIA check in and in the departure lounge at Timehri this year, and at the arrival area next year. There will also be posters in participating hotels.
Permanent Secretary in the Ministry of Culture, Youth and Sport, Keith Booker, said: “It is a challenging exercise with lots of possibilities for Guyana.”


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BA111OD deploys its first ever manufacture movement
Young brand BA111OD is launching the CHPTR_Δ (pronounced Chapter Delta) today and in doing so, will deploy its first ever manufacture movement.
Developed and produced with the help of Olivier Mory, the highly-renowned watchmaker from La Chaux-de-Fonds, the launch of a proprietary calibre marks a major step forward for the young brand, founded by Thomas Baillod in 2019.
With the intention of rethinking the whole distribution model via “we-commerce” and the brand’s afluendors – customers who become sales agents in return for tokens that build up and eventually entitle the holder to a bonus watch – BA111OD has made its intentions well known in just a short amount of time, with this release pushing the brand and its identity on even further.
According to Mr Mory who designed the CHPTR_Δ, the watch aims to bring a duality between the circular time of the minutes and the hypocycloidal time of the hours, enclosed in a triangle in the foreground of the dial. This asymmetrical reading of time, which slows down and starts again, is part of another temporality, symbolising the carousel of life.


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This afternoon, customers of Barclays bank were unable to withdraw cash from machines or use their online banking service.
The problem, which is thought to have arisen at around 3pm, has resulted in a surge of complaints on Twitter.
In response, Barclays bank posted a tweet letting customers know that they were dealing with the issue.
"We're aware of an issue that is currently affecting some customers when attempting to make card transactions and withdrawals. We are working to resolve this issue as quickly as possible and apologise for any inconvenience this may cause," they said.
A spokesman for the bank has since added that the issue stemmed from a temporary IT glitch in the system, and that all machines should now be working.


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(AP) — Treehouse Foods Inc. on Friday reported that its net income fell 13 percent in the third quarter as it managed costs associated with its acquisition of Sturm Foods and other special items.
The food company reported that it earned $24.9 million, or 68 cents per share, versus $28.1 million, or 85 cents per share, in the same quarter of the prior year. Adjusted for a number of one-time items in both periods, the company's net income rose to 69 cents per share, versus 54 cents per share in the prior year.
Analysts surveyed by Thomson Reuters expected the company to earn 64 cents per share on revenue of $460.5 million. Analyst estimates typically exclude one-time items.
Sam K. Reed, Chairman and CEO of the company said it was an excellent quarter and the company is pleased with its cost-control efforts that improved cash flow during the period.
Total revenue rose nearly 23 percent to $464.2 million. Excluding the acquisition of Sturm Foods, revenue would have fallen less than 1 percent.
Shares of Treehouse rose $1.36, nearly 3 percent, to close at $48.41 on Friday.


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Bitcoin cash came out of left field, according to Charles Morris, a chief investment officer of NextBlock Global, an investment firm with digital assets. They are in favor of smaller bitcoin blocks, which they say are less vulnerable to hacking. On the other side are the miners, who want to increase the size of blocks to make the network faster and more scalable. Fabio Panetta said the unregulated crypto market posed a risk to financial stability and policymakers should not leave it unchecked. A “desirable future for digital finance requires prudent regulation,” Dudley wrote in a Bloomberg opinion piece about the $2 trillion crypto market. Our trained team of editors and researchers validate articles for accuracy and comprehensiveness. WikiHow’s Content Management Team carefully monitors the work from our editorial staff to ensure that each article is backed by trusted research and meets our high quality standards. There are several ways to verify that a bitcoin conversion site is safe. One is to check reputable sources for reviews that verify the integrity of a given site. Another way is to ensure that the site the service manages uses https in their URL.
Bitcoin demonstrates some attributes for a currency, but its main source of value lies in its restricted supply and increasing demand. Currencies have value because they can function as a store of value and a unit of exchange. They also demonstrate six key attributes to enable their use in an economy. John Kelleher is a blockchain software architect and founder of Level K. He has 10+ years of software development experience. Przemysław Kral is set to discuss cryptocurrencies starting from April 7. Sign Up NowGet this delivered to your inbox, and more info about our products and services. Just like you shouldn’t let a price drop influence your decision to buy Bitcoin, don’t let a sudden price increase alter your long-term investment strategy.
Best Exchange Rate
Paper money was an improvement, but it requires manufacturing and storage and lacks the mobility of digital currencies. The digital evolution of money has moved away from physical attributes, and towards more functional characteristics. We are thrilled to announce becoming the first European cryptocurrency exchange that was granted regulatory approval to operate in Canada. Investors should continue to hold and not worry about the fluctuations. No matter if crypto is going up or down, the best thing you can do is to not look at it. Set it and forget it like you would any traditional long-term investment account.
- The creation of each individual Bitcoin comes from mining, which stems from a reward mechanism for miners verifying transactions on Bitcoin’s blockchain.
- It has a circulating supply of 19,022,868 BTC coins and a max.
- As with any investment, price is where it starts and ends for investors.
- In the early days, Nakamoto is estimated to have mined 1 million bitcoins.
This website includes information about cryptocurrencies, contracts for difference and other financial instruments, and about brokers, exchanges and other entities trading in such instruments. Both cryptocurrencies and CFDs are complex instruments and come with a high risk of losing money. In our modern life, this new technology finds a lot of use cases outside the digital industry. Many online stores https://www.beaxy.com/ accept Bitcoin , Ether , Litecoin as payment methods. So you can buy Ethereum on the crypto exchange, for instance, and then use it to pay for goods and services. These points are just a few reasons why people prefer virtual currencies against traditional fiat funds. Mainly, crypto transactions are highly secured with hashing algorithms, simple in use, and are not regulated by a single entity .
Treasury extended its anti-money laundering regulations to processors of bitcoin transactions. In May 2013, Ted Nelson speculated that Japanese mathematician Shinichi Mochizuki is Satoshi Nakamoto. Later in 2013 the Israeli researchers Dorit Ron and Adi Shamir pointed to Silk Road-linked Ross William Ulbricht as the possible person behind the cover. The two researchers based their suspicion on an analysis of the network of bitcoin transactions. These allegations were contested and Ron and Shamir later retracted their claim. Bridging the gap between fiat currency and cryptocurrency, stablecoins aim to achieve stable price valuation using different working mechanisms. A cryptocurrency is a digital or virtual currency that uses cryptography and is difficult to counterfeit. Investing in cryptocurrencies and other Initial Coin Offerings (“ICOs”) is highly risky and speculative, and this article is not a recommendation by Investopedia or the writer to invest in cryptocurrencies or other ICOs. Since each individual’s situation is unique, a qualified professional should always be consulted before making any financial decisions.
Generally, you can simply click on “Sell your bitcoins” or some similar option to get the process started. The specific mechanism by which you deposit your bitcoins will vary depending on how your bitcoins are currently stored. Typically, depositing your bitcoins is as easy as clicking “Deposit bitcoins” near the top of the marketplace’s home page. The very nature of Bitcoin’s decentralized blockchain means that the payment system runs 24-hours a day, with no downtime and has no restrictions on where and to whom Bitcoin can be sent. The creation of each individual Bitcoin comes from mining, which stems from a reward mechanism for miners verifying transactions on Bitcoin’s blockchain. They just used a concept and a protocol created back in 1991, add some improvements, and presented the model of the decentralized financial system and the first cryptocurrency. The answer is simple — the higher the trading volume is, the more people are supporting the current trend. So, if you can see a significant increase or decrease in the BTC price, but the trading volume pillar is lower than many others shown nearby, that means market participants will most likely don’t support this shift. Theoretically, the price will soon return to the previous level. “A South Korean cryptocurrency exchange files for bankruptcy after hack, says users will get 75% of assets for now”.
History Of Bitcoin
On 3 March 2014, Flexcoin announced it was closing its doors because of a hack attack that took place the day before. In late August 2012, an operation titled Bitcoin Savings and Trust was shut down by the owner, leaving around US$5.6 million in bitcoin-based debts; this led to allegations that the operation was a Ponzi scheme. Securities and Exchange Commission had reportedly started an investigation on the case. One, Bitcoin Cash, is a hard fork off the main chain in opposition to the other, which is a soft fork to implement Segregated Witness. The price of a bitcoin reached US$1,139.9 on 4 January 2017. In June 2017, the bitcoin symbol was encoded in Unicode version 10.0 at position U+20BF (₿) in the Currency Symbols block. A documentary film, The Rise and Rise of Bitcoin, was released in 2014, featuring interviews with bitcoin users, such as a computer programmer and a drug dealer.
If this is the way you want to convert your bitcoins to dollars, set your payout method to the digital wallet you want to use. Bitcoins have been heralded by many as the currency of tomorrow, but there are still few places that accept them. Fortunately, converting bitcoins to a usable currency like dollars is quick and easy. If you want to know how much bitcoin is worth, run a quick internet search on the subject. If you want to actually convert bitcoin to dollars, deposit them in a digital marketplace and sell them to an interested buyer. The digital marketplace will quickly and easily convert your bitcoins to dollars and transfer them to a debit card, bank account, or digital wallet of your choice.
May 22, 2010 is commonly called the “Bitcoin Day of Pizza”, or the worst investment in the history of cryptocurrencies. The transaction took place in the city of Jacksonville, Florida. The value of bitcoin dropped on various exchanges between 11 and 20 percent following the regulation announcement, before rebounding upward again. At other times, bitcoin exchanges have shut down, taking their clients’ bitcoins with them. A Wired study published April 2013 showed that 45 percent of bitcoin exchanges end up closing. Bitcoin is a cryptocurrency, a digital asset that uses cryptography to control its creation and management, rather than relying on central authorities. Originally designed as a medium of exchange, Bitcoin is now primarily regarded as a store of value. The history of bitcoin started with its invention and implementation by Satoshi Nakamoto, who integrated many existing ideas from the cryptography community.
The latest inflation report shows consumer prices rose by 8.5% from a year ago — the largest surge since 1981. Bitcoin started the week on a weak note, with its value falling nearly 2% over the last seven days. Data are provided ‘as is’ for informational purposes only and are not intended for trading purposes. Data may be intentionally delayed pursuant to supplier requirements. Bitcoin Cash has been hard forked since its original forking, with the creation of Bitcoin SV. Read more about the difference between Bitcoin, Bitcoin Cash and Bitcoin SV here. The metaverse leapt into the spotlight this year, but is it ready for mainstream acceptance? Fidelity Investments will introduce the bitcoin option later this year, becoming the largest 401 provider to offer crypto. The Xe Rate Alerts will let you know when the rate you need is triggered on your selected currency pairs.
It represents how much crypto is bought and sold over a period of time, typically 24 hours. Bitcoin is becoming more political by the day, particularly after El Salvador began accepting it as legal tender. The country’s president, Nayib Bukele, announced and implemented the decision almost unilaterally, dismissing criticism from his citizens, the Bank of England, the IMF, Vitalik Buterin and many others. Since the Bitcoin law was passed in September 2021, Bukele has also announced plans to build Bitcoin City, a city fully based on mining Bitcoin with geothermal energy from volcanoes. The top crypto is considered a store of value, like gold, for many — rather than a currency. The live Bitcoin price today is $39,472.19 USD with a 24-hour trading volume of $32,551,862,870 USD. The current CoinMarketCap ranking is #1, with a live market cap of $750,874,298,199 USD. It has a circulating supply of 19,022,868 BTC coins and a max. To be sure, only a minority of bitcoin miners and bitcoin exchanges have said they will support the new currency. Unlike US dollars, whose buying power the Fed can dilute by printing more greenbacks, there simply won’t be more bitcoin available in the future.
Conservative predictions of Bitcoin say the cryptocurrency will reach $100,000 by 2023, but more bullish crypto enthusiasts say $250,000 isn’t far from sight. Big financial institutions have made their own predictions as well, with JPMorgan seeing a long-term high of $146,000 and Bloomberg saying it could hit $400,000 by 2022. A recent study by Deutsche Bank found that about a quarter of Bitcoin investors believe Bitcoin prices will be over $110,000 in five years. Because Bitcoin is so new, price predictions are mostly informed speculations. In the short term, these factors have created some noise and extra volatility in the crypto and stock markets, but this is usual during times of uncertainty.
How much is $1000 dollars in BTC?
The conversion value for 1000 USD to 0.0255 BTC.
This is likely to decline as Bitcoin continues to see greater mainstream adoption, but the future is uncertain. El Salvador became the first country to make Bitcoin legal tender on September 7, 2021. Another theory is that Bitcoin does have intrinsic value based on the marginal cost of producing one bitcoin. Fiat currency is issued by a government and not backed by any commodity, but rather by the faith that individuals and governments have that others will accept that currency. In other words, the value of a currency is a measure of its demand and its ability to stimulate trade and business within and outside an economy. Full BioPete Rathburn is a freelance writer, copy editor, and fact-checker with expertise in economics and personal finance. He has spent over 25 years in the field of secondary education, having taught, among other things, the necessity of financial literacy and personal finance to young people as they embark on a life of independence. Learn all about finances in next to no time with our weekly newsletter. Bitcoin’s rise in value and popularity has been steady, if not without its ups and downs. But there are no guarantees when it comes to investing in crypto.
If you want to exchange Bitcoins to another cryptocurrency, go to the Exchange tab. What you should do next is just select the currencies from the drop-down list and click Exchange Now button. Right after that you’ll have the desired coins or tokens on your CEX.IO account. Finance analytics believe that there are a few main drivers that affect BTC and most altcoins.
One of its most important functions is that it is used as a decentralized store of value. In other words, it provides for ownership rights as a physical asset or as a unit of account. However, the latter store-of-value function has been debated. Many crypto enthusiasts and economists believe that high-scale adoption of the top currency will lead us to a new modern financial world where transaction amounts will be denominated in smaller units. But even for those who don’t discover using their own high-powered computers, anyone can buy and sell bitcoins at the bitcoin price they want, typically through online exchanges like Coinbase or LocalBitcoins.
Still, over time, oversold markets tend to rebound and overbought markets cool off. Thus, it is impossible to say at any given moment whether Bitcoins are fairly valued without the benefit of hindsight. As the supply diminishes, demand for cryptocurrency has increased. Investors are clamoring for a slice of the ever-increasing profit pie that results from trading its limited supply. “So, to lend to a bank, we simply use the computer to mark up the size of the account that they have with the Fed,” explained Bernanke. In other words, the Fed “manufactured” U.S. dollars through entries in its ledger.
Bitcoin Vs Ethereum
In April 2013, Eric Posner, a law professor at the University of Chicago, stated that “a real Ponzi scheme takes fraud; bitcoin, by contrast, seems more like a collective delusion.” With the release of version 0.3 of the Bitcoin client, information about the digital currency spread throughout the internet. An article published on a popular technology portal presented the project to a wider audience, thanks to which the BTC/USD exchange rate increased by 900% within 5 days, reaching the price of 8 cents. The rapid increase in the price of Bitcoin encouraged more investors and initiated an annual boom period on the market.
Even more importantly, don’t start buying more Bitcoin just because the price is rising. If there’s one cryptocurrency you should know about, it’s Bitcoin. If you are new to crypto, use CoinMarketCap’s own educational portal — Alexandria — to learn how to start buying Bitcoin and other cryptocurrencies. Countries like Mexico, Russia and others have been rumored to be candidates also to accept Bitcoin as legal tender, but thus far, El Salvador stands alone. Taproot is a soft fork that bundles together BIP 340, 341 and 342 and aims to improve the scalability, efficiency, and privacy of the blockchain by introducing several new features. At present, miners are heavily reliant on renewable energy sources, with estimates suggesting that Bitcoin’s use of renewable energy may span anywhere from 40-75%. However, to this point, critics claim that increasing Bitcoin’s renewable energy usage will take away from solar sources powering other sectors and industries like hospitals, factories or homes. The Bitcoin mining community also attests that the expansion of mining can help lead to the construction of new solar and wind farms in the future. Examining everything from bitcoin’s life cycle to the instability of stablecoins.
Faucets try to get traffic from users by offering free bitcoin as an incentive. Some faucets also make money by mining altcoin in the background, using the user’s CPU. On 24 January 2018, the online payment firm Stripe announced that it would phase out its support for bitcoin payments by late April 2018, citing declining demand, rising fees and longer transaction times as the reasons. Up until July 2017, bitcoin users maintained a common set of rules for the cryptocurrency. On 1 August 2017 bitcoin split into two derivative digital currencies, the bitcoin chain with 1 MB blocksize limit and the Bitcoin Cash chain with 8 MB blocksize limit.
Have never even heard of Beaxy so I don’t understand why the name is bad but the former is triggering enough for me that I will relegate it below Stargate and Dragonchain for worst name title
— Cobie (@cobie) March 22, 2022
While Bitcoin has several money-like features, economists and regulators remain unconvinced that Bitcoin currently acts as money. This is because relatively few transactions are conducted in Bitcoins and very few things are denominated in Bitcoins. While people may trade Bitcoin in large volume and transfer value across the network, little commercial activity still takes place. The cryptocurrency does display some attributes of a fiat currency system, however. The only way that one would be able to create a counterfeit bitcoin would be by executing what is known as a double-spend. This refers to a situation in which a user “spends” or transfers the same bitcoin in two or more separate settings, effectively creating a duplicate record. The IRS considers cryptocurrency holdings to be “property” for tax purposes, which means your virtual currency is taxed in the same way as any other assets you own, like stocks or gold. Unlike investing in the stock market, with more predictable returns on investments like index funds, investing in Bitcoin has been likened to investing in gold or other alternative assets such as art or horses. That’s because there’s a finite amount of Bitcoin out there. While a company can issue more stock options, there will only ever be 21 million Bitcoins.
How long does it take to mine 1 Bitcoin?
How Long Does It Take to Mine One Bitcoin? In general, it takes about 10 minutes to mine a block, and a block will award a number of coins to whoever mines it.
When you’re using the Instant Buy option, you can see how much to pay for the exact amount of crypto according to the current market price. So, you don’t need to check the crypto prices every time you make a purchase. The anonymous nature of cryptocurrencies attracts scammers and bad actors. So the reliable crypto exchange should maintain the KYC checks and verify customers’ identity to prevent possible frauds. As a rule, verification takes a few minutes to provide necessary information and photos.
Is bitcoin safe for investment?
First things first: The money you put into Bitcoin is not safe from value fluctuations. Bitcoin is a volatile investment. If you’re looking for a “safe” investment with guaranteed returns, then don’t invest in Bitcoin — or any cryptocurrencies for that matter.
Over the past few decades, consumers have become more curious about their energy consumption and personal effects on climate change. When news stories started swirling regarding the possible negative effects of Bitcoin’s energy consumption, many became concerned about Bitcoin and criticized this energy usage. Bitcoin is secured with the SHA-256 algorithm, which belongs to the SHA-2 family of hashing algorithms, which is also used by its fork Bitcoin Cash , as well as several other cryptocurrencies. bitcoins to dollars Bitcoin’s most unique advantage comes from the fact that it was the very first cryptocurrency to appear on the market. Some concepts for a similar type of a decentralized electronic currency precede BTC, but Bitcoin holds the distinction of being the first-ever cryptocurrency to come into actual use. The Lightning Network, which enables small and instant bitcoin payments, is getting bigger and more useful. The future of bitcoin and bitcoin’s price remains uncertain.
— Business Partner Mag (@BizPartnerMag) March 7, 2022
This results in multi-signature transactions looking the same as regular transactions or more complex ones. By introducing this new address type, users can also save on transaction fees, as even complex transactions look like simple, single-signature ones. Check out CoinMarketCap Alexandria’s guide on the top cold wallets of 2021 and top hot wallets of 2021. What exactly are governments and nonprofits doing to reduce Bitcoin energy consumption? Leaders also discussed the current debate surrounding the coal-to-crypto trend, particularly regarding the number of coal plants in New York and Pennsylvania that are in the process of being repurposed into mining farms.


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You may not have noticed—it’s one of the countless small adaptations we make every day—but it’s taking a little longer to get your morning coffee. The line, most mornings, has always been pretty long, but lately, it’s been, well, even longer. And slower moving, because almost everyone in front of you seems to be ordering lattes, and espressos, and cappuccinos.It’s not in your head. This is actually happening. Drinking coffee’s on the rise (again). But drinking gourmet coffee (you may know it better as artisanal coffee if your café of choice is hipster-run—or Dunkin’ Donuts), especially, is having a moment. So if you are planning an event, why would you not want to give your guests that same experience? That’s where coffee catering comes in.
The National Coffee Association’s annual National Coffee Drinking Trends report, a nationwide survey, showed a big uptick in the number of Americans who are drinking coffee on an everyday basis, from 57 percent in 2016 to 62 percent in 2017—which reversed a slow decline since 2013.
The numbers jumped across all age groups, but the increases were sharpest in 13- to 18-year-olds, who grew from 23 percent in 2014 to 37 percent in 2017, apparently emboldened by the debunking of the myth that coffee stunts your growth, and in 40- to 59-year-olds, who grew from 53 percent in 2016 to 64 percent in 2017, though that increase is basically a recovery to their 2014 level.
And those numbers grew even more pronounced when the question became, “And was your coffee gourmet (espressos, cappuccinos, lattes, and the like)?” For 39 percent of the 40- to 59-year-olds, it was. That’s up 15 percent from only a year earlier. But it’s still only the second-largest jump because 70 percent of 13- to 18-year-olds answered yep.
As a whole, 59 percent of everybody surveyed said they’d had a gourmet coffee in the last 24 hours, up 46 percent from just five years earlier. That, the National Coffee Association says, is a record high, and it’s been conducting this trends report since 1950.
So, what does all of this mean, other than the lines at your café, morning, afternoon, and evening, aren’t going to let up anytime soon? It means that coffee catering could distinguish your next gathering (wedding, milestone birthday or anniversary, charity dinner, or work conference) the way a smartly curated bar or a meal that’s not served under a procession of heat lamps does. Similarly, it shows a true thoughtfulness for the guests’ side of the experience, where so often they can bear the brunt of some 11th-hour budget slashing.
Think back to the last wedding you attended. The night’s winding down, a server drops a small wedge of wedding cake over your right shoulder and returns a moment later to fill up your coffee cup. Within 20 minutes, you were out the door and on your way home. Now, reimagine that scene with a coffee bar and a barista. As soon as it’s announced, it becomes a gathering spot. And just as fast, there’s a surge of new energy around the room.
A limp cup of banquet coffee is an excuse to leave. A scratch-made espresso becomes a reason to stay.


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2014 Forecast: Tech Trends in Commercial Banking
By Jonathan Camhi
Banks have launched new online and mobile products for treasury clients, but in the year ahead they need to focus on education and training to ensure adoption and strengthen relationships.
Banks have been increasing their digital banking capabilities for commercial and treasury customers, but now they need to step up efforts to educate those customers on their new capabilities, says Mark Ranta, senior product marketing manager at ACI Worldwide.
Many treasury professional are unaware of the online and mobile products and services that their bank offers and the benefits that they enable, ACI found in an informal survey of 127 treasury professionals at AFP Exchange earlier this month. For instance, although 50% of the respondents said their bank offers mobile banking for treasury clients, 35% of them said they don’t use those mobile offerings by choice.
“Some of the treasury people I talked to [at AFP], especially in the older demographic, didn’t see the value in mobile banking,” Ranta remarks. “There’s an opportunity there to educate the customer on the solution and the ease of use that mobile offers.”
Banks have invested in these solutions, but without this education they could put some of their customer relationships at jeopardy. If a customer doesn’t know about the products and services their bank offers there’s a risk that they could go looking for another bank. Almost 75% of the survey respondents at AFP said that have or would consider switching banks for better technology.
The need to educate customers also extends to online banking, as many large banks have recently rolled out new “Web 2.0” online banking platforms for customers, Ranta notes. “Some of their clients aren’t on those new platforms yet. If banks miss out on the opportunity to educate these customers and offer training, then there will be an opportunity for disintermediation,” he points out.
Although most of the focus on non-bank competitors in the industry has been on the retail side, there are definitely opportunities for non-bank entities to appeal to treasury banking customers as well, according to Ranta.
One of the biggest opportunities for a non-bank organization to gain a foothold in commercial banking could be in predictive analytics, Ranta says. ACI’s survey found that more than 80% of the respondents still rely on Microsoft Excel to do in-house analytics.
“Until someone figures out how to offer predictive analytics, treasury clients will be dealing with Excel-like products. Banks have made leaps and bounds with portals, but analytics is still in the dark ages; there’s definitely an opportunity for someone who figures that out,” Ranta explains.
ABOUT THE AUTHOR
Jonathan Camhi is a graduate of the City University of New York’s Graduate School of Journalism, where he focused on international reporting and interned at the Hindustan Times in Delhi.
Click Here For Original Article.


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New Delhi: The Indian industry has sought greater operational clarity, removal of red tape and threat of penal charges as it looks to restart operations after nearly a month of the Covid-19 lockdown.
The lobby group Confederation of Indian Industry (CII) submitted a series of suggestions to the central government on the implementation of guidelines issued by the home affairs ministry. The ministry had last week detailed criteria under which certain industries could begin operations on 20 April.
The CII sought greater clarity on how firms can resume operations, arrange travel passes for their employees and other requisite permissions.
It also sought expansion of the home ministry list to include more industries like automobiles, meat processing industry and export oriented units.
Also read: Agriculture, manufacturing units will drive GDP but more relief needed, say industry bodies
No interference from states
The industry demanded that no specific permission be required from state governments to start manufacturing activities in the permitted list. It further sought that state authorities be informed of the same through email. The CII also asked for a more lenient approach while dealing with industrial units.
“Local administrations are insisting that there will be criminal charges on the establishments, with order for three months shutdown, if anyone in the establishment is found to be testing positive. Establishments can be held responsible for violating spatial or sanitary norms, but not if someone in the company gets Covid-19,” suggested CII.
The industry body also sought that e-commerce companies be allowed to deliver both essential as well as non-essential commodities. After the Centre announced guidelines for the relaxed lockdown, there had been some confusion on whether e-commerce companies could deliver non-essentials. On Sunday, the MHA clarified they couldn’t.
In its battle against the Covid-19 pandemic, the Narendra Modi government had imposed a three-week lockdown (25 March to 14 April), and then extended it until 3 May. However, in order to get economic activity back on track, the government allowed resumption of certain manufacturing activities from 20 April.
The CII flagged that some manufacturing units in certain cities were unable to re-start operations as they did not strictly fall under the definition of an industrial town.
“For instance, Jamshedpur Industrial town falls under the jurisdiction of Jamshedpur Notified Area Committee. Provision should be modified to permit manufacturing in such industrial areas as well,” CII said.
Workers living close to the industrial estate should be allowed to walk or bicycle to work and back, it added. The body further sought that the condition to provide accommodation within the industrial premises or adjacent to it be relaxed to include distances of upto 10 kilometres.
Obtaining passes for employees/permits for transportation have proven to be a challenge in virtually all cities, the CII said, listing cities such as Lucknow, Indore, Bhiwandi, Pune, Jammu, Guwahati, Patna, Ranchi, Kolkata and Siliguri.
Also read: How India can buck the trend of global recession caused by coronavirus


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‘AFCFTA Will Open us to a Market of Almost a Billion People’ – Paul Kagame
President Paul Kagame has urged Rwandans to take advantage of the Africa Continental Free Trade Agreement (AFCFTA) that was recently agreed upon by all African countries
Kagame itemised the benefits of the AFCFTA and advised Rwandans to prepare to use harp on it by engaging in a local production of goods and services that meet global standards.
At a national discourse in Kijgali tagged: “Umushyikirano 2019″, the capital of Rwanda, the president explained that the AFCFTA will open up many opportunities for the country.
“Africa Continental Free Trade will open us to a market of almost a billion people. This provides huge benefits to us. However, we must be prepared to take full advantage by developing our own products and services that we can sell to others,” he had said.
“We started the Made in Rwanda campaign about two years ago and I am happy about the progress we have made. Our standard organisation has certified more than 30 products in the last 2 years that are of export quality. We have a huge market with Continental free trade. We have so much work to do.”
Kagame, is one of the key figures who advocated for the continental free trade.
“We are doing well as a country. Our economy is growing and in GDP growth rate we are second in Africa after Ethiopia. On Ease of Doing Business we want to be number one in Africa. I think we have back-slided because we are now number 29 on global ranking,” he said.‘AFCFTA Will Open us to a Market of Almost a Billion People’ – Paul Kagame
“We should be moving forward. We should close the year with 8.5% growth in GDP. We should be targeting 10% growth. Our economy has maintained high growth consistently over the years since we launched vision 2020. As we plan to launch Vision 2050 from next year, it means we will become a stronger country on the continent. We will play more visible and stronger role in Africa and I seek your support for our country to be able to play her role well.”
He added that Rwanda, despite the many challenges the country has faced in the rebuilding process from the ruins of the genocide that claimed over 1 million lives in 1994, its economic successes have been “amazing”
“Despite the fact we are facing challenges of the border, challenges of security our economy is growing. This is due to the commitment of every one of us to build our country,” he said.
“We are now funding our national budget with our own revenue up to 84% within 20 years from a country that relied on donors. What we have achieved is good but we can do better. When we have achievements we celebrate them but they are not enough.
“We must keep running. We want to keep growing. We want to keep advancing. We still have a lot to do to provide roads, electricity, schools etc. We are called to run not to walk,” the President charged Rwandans.”
Also Read: Nigeria to be the largest beneficiary of AfCFTA –IMF says
Supreme Court Dismisses PDP’s Suit Against Tinubu, Shettima
The Supreme Court dismissed a suit filed, seeking the disqualification of the president-el…


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PPCJ spoke to leading members of the coatings community who are exhibiting at the Middle East Coatings Show, to discover the challenges and trends facing the industry and how they plan to return to ‘business as usual’.
First we spoke to Gert Van Herwegen, Sales Manager/Managing Partner at DE VREE
Why is the Middle East an important region to De Vree?
For quite some time now, the Middle East is no longer an emerging market for paint and coatings manufacturers or for suppliers catering to that market, regardless of whether you are a machine manufacturer like De Vree, or maybe a raw materials distributor or a consultant. It’s a mature market that is still growing with lots of exciting new developments still ahead of us. When I participated in the very first MECS, with just a handful participants in what I recall was the ballroom of the Hyatt hotel, I used to refer to projects outside of the Middle East to convince potential customers here. Today, I may use De Vree references in, for example, the UAE, Saudi Arabia, Egypt, Oman, Sudan etc, to try and convince customers outside of the Middle East.
What products or technology do you have on display at MECS?
We will not be showing any machines in our booth. We have a very wide variety of filling possibilities, from very simple semiautomatic weight fillers to fully automatic high speed filling and packaging lines. It’s not possible to show one of these high speedlines for obvious reasons and having just a small semi-automatic machine on display may give the wrong impression, namely that that is all you have. Of course there are videos and such, but we prefer to sit down with our visitors and listen to their needs first. Very likely we can then offer them a bespoke solution – and maybe we prefer not to show that solution to our competitors, who are also participating in the show!
What industry trends are currently influencing De Vree?
No doubt, it’s the quest for a cleaner environment, which means that our customers expect machines that are easier to clean, with less water or solvent. De Vree has taken giant steps forward in this area and we will continue to look for even better solutions.
How has COVID-19 impacted operations at De Vree? When do you expect it to be “business as usual”?
Fortunately, we have been spared serious cases among our employees and we have been able to continue work as usual. During the lockdowns, a lot of people started redecorating their homes so we saw a rise in demand from our customers that produce paints and other products for the DIY market. Apart from that, we were very much surprised that business did not slow down at all – on the contrary, 2020 was a record year for De Vree and already we know that 2021 will outperform 2020.
Aside from COVID, what, in your opinion, are the most pressing challenges in the industry at the moment and how do you address them?
“It’s the environment, stupid”, and for De Vree to address that industry challenge, again, it means machines that are easier to clean. Our biggest challenge has always been, and will always be, to try and stay ahead of the competition by presenting new and improved technical solutions to our customers. New development driven companies like, for example, De Vree will get copied sooner or later –usually poorly copied I must say – so you can never rest on your laurels.
The most pressing challenge in the industry on short term, however, seems to be the struggle for raw materials. Fortunately, this does not affect De Vree directly but of course, if our customers cannot produce because of a lack of raw materials, obviously there will be no immediate investments in new production and filing/packaging equipment.
How important do you think doing business in person will be in aiding post COVID-19 recovery for businesses in the industry?
Extremely important. Because of travel restrictions we’ve had to conduct a lot of our business through video conference calls. This has proven to be a great tool but at some point, you hit the limits. You have to be able to go on site, where you see and notice things that no one may think about during a conference call. I also miss the personal contact, sometimes being immersed in a foreign culture and learning from it. Let’s face it, conference calls take all the fun away!


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Current Account Sees Surplus in April 2013
NBP data: According to the NBP preliminary data, Polish exports stood at nearly EUR 13.3bn in April, i.e. they rose by 12.3 % y/y. The surplus in the current account reached nearly EUR 0.5 bn.
Preliminary data on Poland’s balance of payments in April 2013, released by the NBP on 17 June 2013, show goods exports of nearly EUR 13.3bn, i.e. up by 12.3% on a year ago, and imports of nearly EUR 12.7bn , i.e. up by 3.6% y/y. The surplus of trade in goods combined with a typically positive balance of trade in services (of over EUR 0.5bn) and of current transfers (c. EUR 0.8bn), helped the current account balance move into positive territories and reach EUR 0.5bn. The income balance remained negative (nearly EUR 1.5bn).
As regards the EU transfers, Poland posted inflows of more than EUR 1.0bn in April 2013, whereas the contribution paid by Poland amounted to EUR 329m.
April saw a negative balance of foreign investments in Poland, most of all due to the repayment of loans by enterprises. The balance of foreign direct investment in Poland remained positive.
See: Balance of payments in April 2013


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At the end of the year, a look back at advertising reveals many trends that are only set to evolve even more. Programmatic advertising, real-time bidding, and mobile advertising are just a few fields that have exploded and come into their own this year.
Here are a few of the trends that have recently grown in popularity:
Programmatic Buying and Real-Time Bidding
All online advertising, particularly display advertising, can be a costly endeavor if you don’t purchase your ads at the right time, place, and price. But the major obstacle to knowing those three things is that they change constantly, based on a host of factors, from the target market value to the inventory quantity.
The solution is real-time bidding, a practice where both advertisers and publishers both rely on an automated system to negotiate the ad buying process. Prices are programmatically determined via real-time supply and demand. While this process used to be controlled by humans and required bulk ad purchases, algorithms have proved to be far more efficient.
In 2014, real-time bidding systems have proven that they are a necessary part of the online advertising ecosystem. And as we continue to move further into the future, they will continue to revolutionize online advertising and eliminate any need for human-to-human negotiations.
Growth of Mobile
Mobile traffic grew 81% in 2013, and a number of studies show that mobile is the future. According to the CEO of YouTube, for instance, 50% of the site’s traffic is mobile. And with over 1 billion unique visits per month, that means that over 500 million of those visits occur on mobile devices.
By April of 2014, a quarter of all internet visits took place on mobile devices. Advertisers and marketers aren’t missing out on this opportunity. According to Business Insider, mobile advertising is outpacing all other ad mediums combined.
One result of the explosive growth we’re seeing in the online advertising world is the explosion of ad networks, ad exchanges, and other marketing resources. As more and more ad networks pop up every day, it is becoming more and more difficult for advertisers and publishers to keep up. This is part of the reason that real-time bidding and programmatic ad buying have grown in popularity.
Comprehensive, full-service advertising platforms, such as GrowMobile Self-Serve, offer programmatic mobile media buying, analysis, and optimization from a single dashboard. These comprehensive toolboxes aggregate a number of necessary advertising and marketing functions into a single place, which enhances the benefits of real-time bidding and programmatic media buying.
Other types of marketing toolboxes include monetization platforms, such as Perion CodeFuel’s suite of products. Like GrowMobile Self-Serve, these products aggregate vital monetization and marketing functions, from revenue solutions to promotion solutions and analytics.
In 2015 and beyond, as mobile continues to grow on a global level, we’ll likely see a growing need for these types of comprehensive service platforms.
Personalization, Targeting, and More Mobile
All marketers and advertisers recognize that personalization plays a vital role in the success of their online marketing campaigns. In 2014, as we deal with customers who are becoming more and more desensitized to advertising, we are also making clear strides towards more in-depth customer data that can give marketers an edge. The more data that marketers and advertisers collect, the more successfully they can market to consumers.
Facebook, for instance, uses everything from a person’s web browsing history to tracking software and cookies to track and retarget users. Despite on-and-off privacy concerns over user data, Facebook continues to pioneer cross-device advertising.
And, as most advertisers push towards mobile, we’ll also see marketers take advantage of the additional data that mobile devices bring to the table. While Business Insider suggests that Android beats Apple when it comes to personalization, this may not be the case for very long. New technology, such as smartphone GPS tracking, Apple’s beacon technology, and the upcoming Apple Watch, are all contributing to exceptional targeting and personalization capabilities.
In 2015 and beyond, targeting, retargeting, and personalization will become much more refined, especially as wearable technology evolves and provides data that allows advertisers to create in-depth profiles on their customers.
Advertising has come a long way in 2014. This year’s explosive growth has also seen the emergence of new trends, such as programmatic ad buying and full-service advertising platforms, that will cement themselves and become permanent fixtures in the online advertising industry.


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Outerwall Inc (OUTR) : Acrospire Investment Management reduced its stake in Outerwall Inc by 11.31% during the most recent quarter end. The investment management company now holds a total of 5,491 shares of Outerwall Inc which is valued at $288,278 after selling 700 shares in Outerwall Inc , the firm said in a disclosure report filed with the SEC on Aug 9, 2016.Outerwall Inc makes up approximately 0.21% of Acrospire Investment Management’s portfolio.
Other Hedge Funds, Including , Teacher Retirement System Of Texas boosted its stake in OUTR in the latest quarter, The investment management firm added 291 additional shares and now holds a total of 2,390 shares of Outerwall Inc which is valued at $125,475.Timber Hill boosted its stake in OUTR in the latest quarter, The investment management firm added 242 additional shares and now holds a total of 7,625 shares of Outerwall Inc which is valued at $400,923. Outerwall Inc makes up approx 0.03% of Timber Hill’s portfolio. Gamco Investors Et Al sold out all of its stake in OUTR during the most recent quarter. The investment firm sold 9,300 shares of OUTR which is valued $488,994.California State Teachers Retirement System reduced its stake in OUTR by selling 912 shares or 2.49% in the most recent quarter. The Hedge Fund company now holds 35,665 shares of OUTR which is valued at $1,871,699.Hl Financial Services boosted its stake in OUTR in the latest quarter, The investment management firm added 2,971 additional shares and now holds a total of 34,258 shares of Outerwall Inc which is valued at $1,789,638. Outerwall Inc makes up approx 0.04% of Hl Financial Services’s portfolio.
Outerwall Inc opened for trading at $52.23 and hit $52.3 on the upside on Wednesday, eventually ending the session at $52.26, with a gain of 0.02% or 0.01 points. The heightened volatility saw the trading volume jump to 13,15,629 shares. Company has a market cap of $900 M.
On the company’s financial health, Outerwall Inc reported $2.41 EPS for the quarter, beating the analyst consensus estimate by $ 1.04 according to the earnings call on Jul 28, 2016. Analyst had a consensus of $1.37. The company had revenue of $518.00 million for the quarter, compared to analysts expectations of $486.99 million. The company’s revenue was down -5.0 % compared to the same quarter last year.During the same quarter in the previous year, the company posted $2.19 EPS.
Many Wall Street Analysts have commented on Outerwall Inc. Outerwall Inc was Downgraded by Dougherty & Company to ” Sell” on Jul 26, 2016. Company shares were Reiterated by Wedbush on Jul 26, 2016 to “Neutral”, Firm has raised the Price Target to $ 52 from a previous price target of $45 .Outerwall Inc was Downgraded by ROTH Capital to ” Sell” on Jul 25, 2016.
Outerwall Inc. is a provider of automated retail solutions. The Company’s business segments include The Redbox Coinstar and New Ventures. The Redbox segment is focused on the entertainment consumer sector where consumers can rent or purchase movies and video games from self-service kiosks. The Coinstar business segment is focused on the money consumer sector and provides self-service kiosks where consumers can convert their coins to cash and convert coins and paper bills to stored value products. Its New Ventures segment identifies evaluates builds and develops self-service concepts in the automated retail space.


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Leader in Multichannel Management Highlights Multichannel Predictions for 2017
Columbus, OH – December 14th, 2016 – The National Retail Federation predicts online sales in November and December will increase 10 percent to $117 billion, bringing total holiday sales to $655 billion in 2016. Today, nChannel, the leading provider of multichannel management software that simplifies selling for retailers, is announcing record growth, thanks to an increased demand for ways to optimize sales and fulfillment capabilities. More merchants are realizing the importance of streamlining processes across channels in order to help them standout in a very crowded marketplace and deliver a better customer experience this season and beyond. In addition to its momentum metrics, nChannel is revealing top predictions for the multichannel market in 2017.
“2016 was a big year for nChannel thanks to the continued gap in the industry for a better way to provide better experiences across multiple sales channels,” said Steve Weber, president and CEO of nChannel. “We’re in the midst of a retail revolution and its imperative that today’s merchants maximize every opportunity to be more efficient and differentiated across every consumer touch point.”
nChannel is on track to achieve more than 100 percent annual growth in recurring revenue by the end Q4. Much of this impressive growth is the result of significant partnerships with Shopify Plus, Lightspeed and Mozu and an expansion of its US federal contract. These collaborations put nChannel’s robust customer experience and migration solutions at the center of helping growing merchants migrate from legacy on-premises platforms to more robust and flexible cloud-based platforms and connect them to their fulfillment systems.
“We turned to nChannel when making the transition to Shopify’s platform and quickly realized what we had been missing,” said Jonathan Bell, director of e-commerce at afloral.com, the premiere provider of silk flowers and floral supplies online. “With nChannel, we have much more control and real-time insight about our four-thousand plus SKUs and orders placed. As a result, we can deliver a better experience for our customers, because they have increased visibility into inventory availability and order status.”
Orders processed through nChannel’s platform in 2016 increased by 75 percent over 2015 and the number of items in the nChannel catalog increased nearly 70 percent.
nChannel also made noteworthy hires at the executive level to address mid-market and enterprise merchants – including adding former GSX/OpenText Customer Executive Hani Silwani as its VP of Client Services, along with Ryan Lunka as VP of Product from ICF Olson. The company expects to continue this momentum by expanding its workforce by 25 percent in the year ahead.
Looking ahead to 2017, nChannel predicts that merchants will continue to evolve to meet the demands of today’s buyer with a strong emphasis on creating better customer experiences. Here are the top trends that merchants should have on their radar:.
- Auto Replenishment + Personalization: As more industries expand into the automatic recurring order space (i.e. StitchFix in apparel, Repeat Delivery by Petco, wine of the month clubs, etc.), merchants will combine replenishment with personalization to create more value for their customers. For example, if an outdoor sports merchant knows what fish are biting in a particular region, they could automatically send the right lures to their subscriber customers in that area. Or a cosmetic company might replenish lip color based on popular colors for the season based on the skin tone noted in their customer’s profile.
- The Anti-Amazon: While Amazon has become a go-to for nearly all of consumers’ needs, shoppers will look for more unique shopping experiences when making more meaningful purchases such as gifts, statement pieces of their wardrobe, furniture, or items related to their hobby like a musical instrument, biking gear, or ceramics supplies. As a result, specialty merchants that invest in customer experience will win in niche markets while Amazon will continue to dominate transactional purchases.
- Transparency is the New Trust: Shoppers used to equate trust with security – was it safe to give a merchant a credit card number? Trust is now based on how transparent the merchant is with the shopper on product availability, ship date and delivery date – and whether they meet the expectations they set. Customers believe they are forming relationships with merchants when they buy from them thus have higher expectations for how they are serviced.
For more insights and tips about managing the multichannel experience, visit https://www.nchannel.com/blog/.
nChannel is the leading provider of multichannel management software that simplifies selling for merchants of all sizes. nChannel enables merchants to sell any product in any channel, online or offline, by providing a single, cloud-based platform that easily integrates with existing systems to help sellers improve the management of product information, streamline supply chain processes and enhance the overall shopping experience for customers. With better business intelligence and increased exposure, nChannel subscribers are improving multichannel operations resulting in new opportunities for repeat business and revenue and making them more competitive than ever before.


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A video of a woman shoplifter wearing 8 pairs of jeans all at once to deceive the security guards at a clothing store has gone viral on social media. A bizarre video that has gone viral online shows her removing one pair of jeans after the other on being caught.
he 57-second viral clip shows the woman removing the stolen denim one by one after being caught. According to the Dailymail report, the woman was caught when she tried to walk out of the store after putting on all the 8 jeans at the same time.
The video, however, has taken social media by storm. Since being shared on Facebook about two weeks ago, it has collected more than 4.2 million views.
The bizarre video has also garnered thousand of amused comments, with some people remarking on the shoplifter’s ingenuity.
This is not the first time a failed robbery has left social media amused. Recently, an airline passenger went the extra mile to avoid paying the hefty excess baggage charges by wearing multiple layers of clothes. Gel Rodriguez, from The Philippines, wore around 2.5 kgs of clothes to avoid paying the extra baggage fee after her luggage exceeded the maximum weight of seven kilos.
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