Understanding the Payday Loan Cycle

The payday loan cycle begins innocently enough. You experience an economic hangup or an unanticipated expense and apply for a payday loan. These loans are designed to tide you over until your next paycheck, yet they carry hefty interest rates that can reach 500% APR or higher. Unable to pay off the loan in full with your next paycheck, you’re drawn into a cycle of continually renewing the loan with yet another fee.

The Importance of Responsible Borrowing 

Breaking free from the payday loan cycle demands an understanding and commitment to responsible borrowing. Having the information necessary makes it easier to resist the temptation of easy money and remember the eventual cost. Responsible borrowing, in essence, is about only borrowing what you need and can afford to pay back within the stipulated period.

Strategies to Break the Payday Loans Cycle

Create a Budget and Stick With It

Creating a budget is an essential first step in managing your money effectively. Your budget should be honest and realistic. It should account for all your income and every one of your expenses. This way you can have a clear picture of your financial status and avoid unnecessary loans.

Build an Emergency Fund

An emergency fund serves as a financial buffer and can effectively keep you away from loans. By setting aside a small portion of your income every month, you can gradually build an emergency fund that can bail you out of unexpected financial hitches.

Consider Alternative Options

Before resorting to payday loans, explore other alternatives. These can include personal savings, borrowing from family or friends, credit unions, or a loan from your bank. Personal loans from most financial institutions often come with affordable interest rates and longer repayment periods compared to payday loans.

Seek Credit Counselling

If you’re struggling to break the payday loan cycle, consider seeking help from a credit counselling agency. These agencies can help you devise a manageable budget and debt repayment plan. They can also offer advice to improve your financial situation in the long run.

Conclusion

Breaking the payday loan cycle starts with responsible borrowing. This shift may be difficult initially, but with proper planning and adherence to a budget, it’s possible to stop borrowing and start saving. Every step taken towards responsible financial management is a significant stride towards financial freedom.

The post Responsible Borrowing: Breaking the Payday Loan Cycle appeared first on Mobile Marketing Watch.

FirmPilot is a pioneer in this changing landscape with its proprietary artificial intelligence-based solutions designed specifically for the legal sector. FirmPilot’s seo marketing for injury lawyers uses a unique artificial intelligence system that analyses competitor marketing strategies, website performance and Google trends to automatically generate high-performing content. This innovation has allowed their clients to increase their monthly client base by 200-300% while cutting costs in half compared to traditional marketing agencies. The FirmPilot Legal Marketing Execution Engine AI offers a modern, data-driven approach to growth, ensuring that law firms only pay for results and get more of the clients they really want.

The Limitations of Traditional Marketing Agencies

Traditional marketing agencies were accustomed to leveraging human capital expertise with traditional methodologies: print ads, TVO ads, and face time with clients. These have their merits but are constrained by higher cost bases, longer response times, inability to scale as quickly, and adapting to changing market dynamics.

Advantages of AI in Marketing

1. Data-driven decisions: AI is very good at collecting, processing, and analyzing vast amounts of data in real time. This capability can drive more informed decision-making, pinpointing probable clients precisely and changing the strategies dynamically towards market shifts.

2. Automation and Efficiency: AI can automate the tedium of activities such as data entry, client segmentation, or even content production. It won’t only speed up the marketing process but also cut down on human errors, giving more time to the human marketer to focus on more creative and strategic work.

3. Personalization at Scale: AI can personalize marketing messages and campaigns based on a person’s individual preferences and behaviors. At this level of personalization, which is realized with ease unlike any manual implementation, it enhances the level of client engagement and satisfaction.

4. Cost Effectiveness: AI reduces the usage of physical material and workforce by automating regular tasks and using digital channels, which helps reduce the cost campaign-wise.

5. Predictive Analytics: No one foretells market trends and consumer behavior like AI. With these insights at their command, law firms will be able to adapt their marketing strategies ahead of competitors who use more traditional monitoring.

Case Studies and Examples

Some of the new AI tools have proved successful in various marketing facets:

• Chatbots and Virtual Assistants: These AI-driven tools engage the potential client around the clock for instant replies and information, improving user experience and maximizing conversion rates.
• SEO and Content Generation: AI programs optimize website content to give it better ranks in search engine results, drive more organic traffic, and provide relevant, engaging content for their target audience.
• Campaign Analysis: With this real-time information, AI systems would be able to monitor the efficacy of marketing campaigns and adjust at the best point to maximize impact—hence, most excellent possible ROI.

Challenges and Ethical Concerns

While the integration of AI brings in many benefits, it is also ridden with challenges—the problems associated with data privacy, loss of jobs, and the new kind of set of skills for the labor force to acquire. Ethical use of Al is paramount in ensuring that while firms are improving their marketing efforts, they are building up trust with clients and staying open.

The continued development and improvement of AI automatically crosses its abilities to outperform traditional marketing agencies. For the legal industry, the adoption of AI would increase efficiency, effectiveness, and, at the same time, competitive leverage in a world moving at superlatively changing speeds. As firms undergo digital transformation, what has to be taken seriously is how AI takes responsible redesigning their strategies toward sustainable growth.

The post Revolutionizing Legal Marketing: How Artificial Intelligence Surpasses Traditional Agencies appeared first on Mobile Marketing Watch.

Understanding the Payday Loan Cycle

The payday loan cycle begins innocently enough. You experience an economic hangup or an unanticipated expense and apply for a payday loan. These loans are designed to tide you over until your next paycheck, yet they carry hefty interest rates that can reach 500% APR or higher. Unable to pay off the loan in full with your next paycheck, you’re drawn into a cycle of continually renewing the loan with yet another fee.

The Importance of Responsible Borrowing

Breaking free from the payday loan cycle demands an understanding and commitment to responsible borrowing. Having the information necessary makes it easier to resist the temptation of easy money and remember the eventual cost. Responsible borrowing, in essence, is about only borrowing what you need and can afford to pay back within the stipulated period.

Strategies to Break the Payday Loans Cycle

Create a Budget and Stick With It

Creating a budget is an essential first step in managing your money effectively. Your budget should be honest and realistic. It should account for all your income and every one of your expenses. This way you can have a clear picture of your financial status and avoid unnecessary loans.

Build an Emergency Fund

An emergency fund serves as a financial buffer and can effectively keep you away from loans. By setting aside a small portion of your income every month, you can gradually build an emergency fund that can bail you out of unexpected financial hitches.

Consider Alternative Options

Before resorting to payday loans, explore other alternatives. These can include personal savings, borrowing from family or friends, credit unions, or a loan from your bank. Personal loans from most financial institutions often come with affordable interest rates and longer repayment periods compared to payday loans.

Seek Credit Counselling

If you’re struggling to break the payday loan cycle, consider seeking help from a credit counselling agency. These agencies can help you devise a manageable budget and debt repayment plan. They can also offer advice to improve your financial situation in the long run.

Conclusion

Breaking the payday loan cycle starts with responsible borrowing. This shift may be difficult initially, but with proper planning and adherence to a budget, it’s possible to stop borrowing and start saving. Every step taken towards responsible financial management is a significant stride towards financial freedom.

The post Responsible Borrowing: Breaking the Payday Loan Cycle appeared first on Mobile Marketing Watch.

Licensing and Regulation

First and foremost, a legitimate online casino must hold a valid license from a reputable regulatory authority. This license is a seal of approval, indicating that the casino adheres to strict standards of player protection, fairness, and anti-money laundering practices. Look for casinos regulated by authorities like the Malta Gaming Authority or the UK Gambling Commission. Typically, this information is prominently displayed on the casino’s website footer.

Security Measures

In an era where digital security is paramount, ensuring that your chosen online casino employs state-of-the-art security measures is crucial. SSL encryption is a must-have, safeguarding your personal and financial data from prying eyes. Verify the casino’s commitment to data protection and the security protocols in place by checking its privacy policy and security information.

Fair Play and Game Integrity

The cornerstone of any reputable online casino is its commitment to fair play. Random Number Generators (RNG) should dictate the outcomes of the games, ensuring every spin, card dealt, or dice thrown is purely random. Independent third-party audits by organizations like eCOGRA or iTech Labs provide an additional layer of trust, certifying that the games are fair and outcomes are not manipulated.

Reputation and User Reviews

A casino’s reputation among its users can be a telling indicator of its reliability and trustworthiness. Delve into online forums, review sites, and gambling news platforms to gauge the experiences of other players. Be wary of casinos with a prevalence of negative reviews, especially those mentioning unresolved disputes, withheld winnings, or unfair practices.

Payment Methods and Financial Transparency

A trustworthy online casino should offer a wide array of secure payment options, including credit cards, e-wallets, and cryptocurrencies, ensuring convenience and security in transactions. Clear information regarding withdrawal processes, transaction fees, and payout times is a sign of financial transparency. Casinos that obscure this information or have a history of delayed payments should raise red flags.

Customer Support and Service

Exceptional customer service is a hallmark of a reputable online casino. A reliable platform should offer multiple channels of support, such as live chat, email, and phone, ensuring help is readily available when you need it. Test the responsiveness and helpfulness of the customer support team as part of your evaluation process.

Bonuses and Promotions

While attractive bonuses and promotions can enhance your gaming experience, it’s essential to read the fine print. Understand the wagering requirements and terms associated with bonuses to ensure they’re fair and achievable. A trustworthy casino will be transparent about its bonus policies, using them as incentives rather than traps.

Responsible Gaming Practices

Lastly, a commitment to responsible gaming is a significant indicator of a casino’s integrity. Look for features like self-exclusion, session limits, and links to gambling help resources. Casinos that prioritize the well-being of their players demonstrate a level of care and responsibility that goes beyond profit.

Conclusion

Selecting a trustworthy online casino is a crucial step towards a safe and enjoyable gambling experience. By following this checklist, you arm yourself with the knowledge needed to make informed decisions, ensuring your online gambling journey is both fun and secure. Remember, the responsibility of choosing wisely rests in your hands; use this guide as your compass in the vast sea of online gambling.

Feel free to share this article with fellow gambling enthusiasts, and don’t hesitate to share your experiences or tips on finding trustworthy online casinos in the comments below. Here’s to safe and fair gaming for all!

The post The Checklist: What to Look for in a Trustworthy Online Casino appeared first on Mobile Marketing Watch.

The success of casinos relies on three key aspects of search engine optimization (SEO): on-page SEO, off-page SEO, and technical SEO. Each aspect uses various strategies to enhance visibility, gain a competitive edge, target specific demographics and geographical areas, and establish brand recognition. This article explores the challenges casinos encounter and SEO strategies that can boost your visibility, build brand awareness, and lead to conversions.

What Are the Unique Challenges Casinos Face?

SEO for casinos presents unique challenges when compared to other industries. In a highly competitive market, casinos face numerous competitors vying for the same keywords and target audience. This intense competition makes achieving top rankings on search engine results pages difficult.

Casinos differ from other industries because they cater to a specific audience interested in gambling and gaming-related content. Therefore, it is important to tailor SEO strategies to this demographic by focusing on casino games, sports betting, gambling strategies, and industry news content. Additionally, the popularity of keywords about casinos may fluctuate depending on seasonal trends, holidays, and significant events like major sports tournaments or award shows. To remain relevant, casinos must adapt their SEO techniques to take advantage of these fluctuations.

Another unique challenge is that the online gambling industry is subject to strict regulations that oversee advertising, marketing, and responsible gaming protocols. Casinos must comply with these regulations when developing their SEO strategies, which may vary depending on the jurisdiction. 

Offshore casinos may face challenges in reaching out to specific geographic areas and should, therefore, create marketing strategies tailored to particular regions or target markets. For example, this may entail using keywords specific to certain regions and offering promotions for players from Malaysia, the Philippines, Tunisia, or regions where gambling regulations are less strict to minimize legal risks and attract a larger customer base.

Search engines carefully evaluate gambling websites because of worries about legality, safety, and responsible gambling. To maintain their reputation and avoid penalties, casinos must uphold transparency, adhere to search engine rules, and avoid unethical SEO strategies.

On-Page SEO Strategies

On-page SEO refers to improving elements directly on the website to improve search engine rankings and user experience. This would include optimizing content, meta tags, headings, URL structure, and internal linking. On-page SEO also involves improving website usability, ensuring mobile responsiveness, and enhancing overall user experience. Strategies to include are:

Content Optimization

High-quality content is important for SEO because it impacts search engine rankings and user experience. Search engines consider keywords, relevance, and user experience to determine a website’s ranking on the search results page. From a search engine’s perspective, high-quality content indicates the website’s relevance and authority, increasing its chances of ranking higher. From a user’s perspective, quality content makes the website engaging and valuable, leading to a better user experience.

Optimize content with relevant keywords related to casino games, promotions, and services.

Use descriptive meta tags, including title tags and meta descriptions, to improve click-through rates in search results. Additionally, quality content helps generate backlinks, improves click-through rates, and strengthens a brand’s reputation, ultimately contributing to improved SEO performance.

Keyword Optimization

Casinos recognize the importance of keyword optimization to attract the right target audience. They achieve this by optimizing their content with specific terms and phrases that potential players are actively searching for. Furthermore, this strategy helps search engines understand the content of the web pages.

Casinos can improve their content to match users’ search intent to increase their chances of attracting interested visitors and getting them to participate. This can be done by emphasizing key terms related to casino games, promotions, and services.

For example, to effectively optimize a casino website for the keyword “online slots,” it is important to incorporate the keywords naturally and strategically:

• The meta tags on the homepage should contain the targeted keyword.
• Different category pages should be created for different kinds of slot games.
• Game descriptions should be improved by including relevant keywords.
• Publishing blog articles focusing on subjects related to slots.

The main goal of this optimization strategy is to attract visitors interested in playing slot games online. Ultimately, this will lead to increased interaction and income for the casino. There are several excellent tools for keyword research, such as KWFinder, Moz Keyword Explorer, Google Keyword Planner, Ahrefs, and SemRush. These tools help find relevant keywords, analyse their search volume and competition, and provide valuable insights for effective keyword optimization.

Website Usability and Navigation

The usability and navigation of a website are important for SEO as they directly impact the user’s experience, indexing and crawling, site speed, and search rankings. These factors such as site speed, mobile responsiveness, and site navigation, directly influence the improvement of search rankings. Consider these points: 

• User experience: A well-structured and easily navigable website enhances the overall user experience, leading to higher engagement and a lower bounce rate. These factors are advantageous for search engines.

• Indexing and crawling: Search engines use website navigation to find and index new web pages. A user-friendly navigation system helps search engine crawlers understand the content and context of the intended page, which can ultimately impact search result rankings.

• Site Speed: A player’s ability to navigate a casino site efficiently is crucial to quickly and effortlessly accessing games or information between various site sections. But the impact of site speed extends beyond user experience; it’s also a critical factor in SEO. A slow-loading site could signal inefficiency and inconvenience to search engine algorithms, potentially lowering your casino’s ranking in search results.

Mobile-Friendly Design

A design suitable for mobile devices is extremely important for on-page SEO since it impacts several factors, including user experience, search rankings, audience reach, and page speed. Ensuring that the website offers a positive experience for mobile users leads to decreased bounce rates and increased engagement. Furthermore, Google’s mobile-first indexing prioritizes websites optimized for mobile devices, highlighting the considerable influence of mobile-friendly design on SEO rankings.

Since most players and gamers now access casino websites through smartphones, it is crucial to have a design suitable for mobile devices. This enables the site to reach a larger audience and attract more visitors. Additionally, a design compatible with mobile devices also aids in enhancing loading speeds, which is essential for both user satisfaction and search engine optimization.

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Off-Page SEO Strategies

Off-page SEO refers to the actions conducted outside of a website to boost its credibility and visibility. These actions include acquiring trustworthy backlinks from reputable websites, engaging in social media platforms, and building brand awareness.

Link Building

Link building is crucial for search engine rankings. Search engines, including Google, assess the quantity and quality of inbound links to determine a website’s relevance and authority, greatly affecting its search rankings.

High-quality backlinks are seen as positive endorsements for a website, showing that its content is valuable and credible. This improves the website’s visibility, credibility, and reputation, resulting in higher search rankings and more organic traffic.

To build links effectively in the casino industry, use different tactics like guest posting on trusted gambling websites. Also, create quality articles and guides to get backlinks from authoritative sources. Use social media platforms to engage with the audience and build influencer relationships.

Casinos can create strong backlinks to improve their website’s visibility and reputation by using niche edits, broken link building, and other strategies. This comprehensive approach helps increase search rankings and organic traffic.

Social Media Engagement

Maintain active profiles on popular social media platforms and share valuable content, promotions, and updates to engage with the casino’s audience and encourage social sharing. Participate in discussions and interact with your followers to build a loyal community around your casino brand.

Online Reputation Management:

Monitor online reviews, feedback, and mentions of the casino across various platforms.

Respond promptly and professionally to customer inquiries, complaints, and feedback to maintain a positive reputation. Encourage satisfied customers to leave positive reviews and testimonials to bolster the casino’s online credibility.

Technical SEO Strategies

Technical SEO refers to optimizing the technical aspects of a website to improve its search engine visibility and user experience. Technical SEO ensures that search engines can crawl, index, and understand the content of a website effectively. While technical SEO focuses on the backend of the website, it directly impacts search engine rankings and user experience.

Website Speed Optimization

Website speed refers to how quickly a website loads its content. Search engines like Google prioritize fast-loading websites because they provide a better user experience. Online casinos should optimize website speed by minimizing server response times, reducing page size, and leveraging browser caching techniques. Tools like Google PageSpeed Insights can help identify areas for improvement.

Mobile-Friendliness

With most online users accessing websites from mobile devices, ensuring mobile-friendliness is critical for online casinos. Mobile-friendly websites adapt their layout and content to fit smaller screens, providing a flawless user experience across devices. Casinos can achieve mobile-friendliness through responsive web design, which adjusts the website’s layout based on the user’s device.

Schema Markup Implementation

Schema markup provides search engines with additional context about the content of a website. Online casinos can use schema markup to mark up important information such as casino events, promotions, reviews, and ratings. This helps search engines understand the content better and can improve search results, such as rich snippets and knowledge panels.

Site Structure

A well-organized site structure makes it easier for users to navigate a website and helps search engines crawl and index its pages more effectively. Online casinos should create a logical site structure with clear categories, subcategories, and internal linking. This ensures that every page on the website is easily discoverable and accessible to users and search engines.

URL Structure

Optimizing URL structure is another important aspect of technical SEO. Online casinos should use descriptive, keyword-rich URLs that provide both users and search engines with information about the page’s content. URLs should be concise, readable, and follow a logical hierarchy. Avoid using long, complex URLs with unnecessary parameters or session IDs.

The Bottom Line

SEO plays a crucial role in the casino industry, allowing operators to increase their visibility, gain a competitive advantage, and target the right audience. By implementing effective SEO strategies, casinos can enhance their online presence, attract new players, and achieve their marketing goals.

The post The Ultimate Guide to SEO Strategies for Online Casinos appeared first on Mobile Marketing Watch.

With its cutting-edge innovations, fintech has completely changed the financial environment and put traditional banking to the test. Fintech’s influence is extensive, ranging from the convenience of mobile banking to open finance efforts, digital payments, and equitable wealth management. This paper examines its transformative power and highlights the necessity for a well-balanced regulatory framework to maintain its beneficial effects and manage this dynamic financial force as it continues to evolve.

People now utilize their phones for convenient banking, the ease of use is a standout feature, allowing users to manage various financial tasks with just a few taps on their phones.

Also, the ideas behind open banking are moving very quickly. Open finance uses open data to make it safe for different banks to share customer data. All of these changes are making the money system better for everyone. These changes have greatly affected how financial services are offered and used, giving users and businesses new opportunities.

Fintech’s Disruption of Traditional Banking

Since fintech changes how banks work, it’s one of the main reasons for its growth. It was hard for standard banks to keep up with the fast changes’ customers wanted because they used old methods and had difficult structures. The new problems that fintech companies didn’t have to deal with meant they could move quickly and use cutting-edge technologies to create quick solutions focused on the customer.

Online banking, a key aspect of fintech, has revolutionized personal finance management. With user-friendly planning apps and seamless fund transfers, individuals now have enhanced control over their finances. In response to fintech’s focus on improving customer experience, traditional banks have adapted their services and systems. This shift has resulted in robust competition, ultimately benefiting customers in the long run.

The Rise of Digital Payments

It’s clear that fintech is on the rise since there are more ways to pay online. Increasingly, individuals do not require cash. This can be because of apps, electronic installments, and peer-to-peer installment frameworks. With a tap on their phones, individuals presently anticipate purchases to be fast, secure, and straightforward.

Cryptocurrencies are another portion of fintech. It takes off the typical managing an account framework open to assault. Individuals think that cryptocurrencies will be the next enormous thing since they are an alternative to standard fiat monetary forms that are free and open.

It’s exciting to note that these developments affect a number of businesses, including the gaming and gambling industry. Advanced security measures have been established by platforms such as VegasSlotsOnline to protect user data and financial activities. These platforms accept cryptocurrency payments, enabling gamers to remain anonymous. Players can now enjoy the safety of playing online casino games, and the site offers thousands of free online slots with diverse themes and variations for those who prefer not to gamble with real money.

As fintech continues to shape the financial landscape, these developments are fundamentally changing how transactions are conducted and experienced.

Fintech in Wealth Management

It has also changed because of fintech in wealth management. These platforms make it easier for everyone to get access to wealth management services. They also make financial techniques that were once only available to wealthy people available to everyone.

Fintech has also helped crowdfunding and peer-to-peer loan platforms grow, which give people and companies access to capital that isn’t available through traditional banks. This change has given freelancers and small companies more power by letting them skip the lengthy loan approval processes that traditional banks have.

Financial Inclusion through Fintech

The growth of fintech isn’t just changing how financial services are given; it’s also a big part of making sure everyone can get money. Having bad credit, living in certain places, or not making enough money are just some of the reasons why many people can’t use standard banks. It’s easier for people who don’t have bank accounts or enough money in their accounts to use financial services with fintech choices like mobile banking and digital wallets.

Financial technology has grown in importance in emerging nations that don’t have easy access to regular banking systems. People can use their phones to make deals, get loans, and become financially stable with mobile money systems. It changes lots of things and gives people and groups the tools they need to work in the business and make their lives better.

Conclusion

The rise of fintech is a turning point in the history of the financial business. Fintech has changed every part of the financial ecosystem, from standard banks to helping more people get access to money. Its constant search for new ideas and dedication to user-centered design have led the industry into a new era of ease of use and speed. As fintech changes how we handle, trade, and deal with our money, it becomes more and more important to have a balanced regulatory system. Finding the right mix will make sure that the fintech revolution stays a force for good, giving people and companies around the world new ways to do things and new chances to grow. Fintech is becoming a more important part of modern finance, but the trip is far from over. The journey is ongoing, promising even more revolutionary changes as fintech cements its role as an integral part of modern finance.

The post A New Era in Financial Technology: Fintech’s Ascent appeared first on Mobile Marketing Watch.

According to Brett Zucker, CMO at Monotype—a company that empowers the world’s top 2000 brands with design, technology and expertise—sense-based marketing (i.e., appealing to consumers’ senses) is the best way to maximize returns during this high-volume, high-impact time of year. Namely, there are five key strategies marketers should consider, if they want to maximize yields through Dec. 25 and beyond.

• General Senses
  • Experiential Gifts Win Out—From ax throwing to aerial yoga, this year’s holiday shoppers, especially millennials and GenZ, are increasingly opting to gift experiences in place of material items. The trend makes sense as recent studies from university researchers reveal that experiential purchases tend to provide more enduring happiness. For brands in hospitality and travel, there is a natural connection to “selling” experiences to consumers. For marketers outside these channels, think about how you can make your products an experience; it may be as simple as a small tweak in messaging. For example, you’re not just selling a festive, scented holiday candle. You’re selling nostalgia, the feeling of warmth or being cozy.
• Sight:
  • Go for Authenticity—Gone are the days of stock photos. Ditch the staged photography, which can come across as cold or un-relatable, in favor of real images of real people. If, unlike CVS, you don’t have $$ to drop on refreshing packaging with untouched photos, consider other avenues, like UGC or influencer content. Both are solid alternatives that not only inspire loyalty, but it will make your brand feel more accessible and authentic. Bonus: reports show that UGC actually has the power to inspire purchase decisions (70% in fact).
  • Know When and How to Stylize Your Brand—Every brand has a complex visual identity, from the typefaces it uses, down to the color of the logo or packaging. Don’t overlook these small details that can have big impact.
• Sound:
  • Optimize SEO for Smart Speaker Shopping—22% of Gen Xers and 17% of millennials plan to use a virtual assistant for shopping this holiday season. If your customers start their shopping journey via smart speaker, you may want to overhaul your content marketing to prioritize long-tail keywords that are more conversational, or “featured snippets” that appear higher on search results. In any case, optimized SEO is the name of the game.
  • Consider Curated Playlists Consistent with Your Brand—How can you make your online shopping experience unique, if already convenient? Maybe it’s a stylized Spotify playlist shoppers can tune in to while browsing. Not only a festive and personal touch, but it just could put shoppers in the right holiday spirit to convert—not abandon—their cart.
• Touch:
  • Don’t Neglect In-Store Experiences—We hear a lot about the retail apocalypse or death to brick-and-mortar, but that’s far from the case. In fact, stats show that physical stores still play a critical role in the winding shopper journey. Want to make their in-store experience more memorable? Consider the power of in-store demos where consumers can discover and explore your product with their own two hands. This has proven especially powerful for the likes of beauty upstarts and legacy brands that are embracing experiential.

The post 5 Strategies Brands Haven’t Tapped Yet for Holiday 2018 appeared first on Mobile Marketing Watch.

The two operating systems dominate the market, with figures from Q2 2018 suggesting that Android OS accounts for an 88 per cent share and iOS holds around 11.9 percent. While the likes of Microsoft and RIM once had a place in this world, they have fallen by the wayside as Google and Apple’s unstoppable creations have marched to the top.

A number of differences

While the pair are now truly out on their own in terms of their performance in the market, they are different in a number of ways. For example, as this VPNbase article on the best Android VPN services outlines, Android devices are seen as less exclusive and arguably more flexible than Apple’s iOS-based alternatives. While the site states this is a “wonderful thing”, it does also warn that this can open Android systems up to a range of risks.

On a more technical level, another key difference is how apps for the two systems are created. While iOS apps are stored on a file type known as an IPA, Android apps use the format known as APK. This issue, in particular, has caused a headache for many businesses in recent years, as this has meant it is not necessarily easy for them to quickly adapt apps for one OS to another.

However, could a major new toolkit created by developers at Google be about to change the game in this regard?

Introducing Flutter

At the start of December, Google announced the launch of its first stable release of the UI toolkit known as Flutter. The company describes the system as a way to build ‘beautiful, native experiences’ for both iOS and Android systems using a single codebase.

While this does not replace the traditional way of creating apps for the two operating systems, it is an engine that can be added to an existing app or used in a completely new one. Google said that Flutter’s set of widgets would ensure a “pixel-perfect experience” on both OSs, ensuring designers are able to achieve their vision without having to “water it down” due to any limitations.

The key benefits of Flutter were highlighted in comments from Capital One’s senior director of engineering Michael Jones, who said the service would mean the company can now think about features “not in an ‘iOS or Android-first’ fashion, but rather in a true mobile-first model”.

Exciting new development

The release of Flutter is an exciting development which could change the game for everyone involved in mobile marketing, with hopes being high that it will make it easier for developers to create apps for both iOS and Android.

While the two biggest mobile operating systems in the world have fundamental differences, Google’s new toolkit has arguably brought them closer than they have ever been before.

The post How Flutter Looks Set to Transform Android and iOS App Development appeared first on Mobile Marketing Watch.

By Rafael Lourenco, EVP,

Now’s the time to make sure your store’s mobile experience and checkout are ready for the holidays. Shopify reports that more than half of all Thanksgiving 2017 e-commerce orders came from mobile devices, but cart abandonment is still higher on mobile than desktop. And CNP fraud attempts tend to increase during the holidays. How can you make your mobile site welcoming to holiday shoppers, but not fraudsters? Three key areas to focus on now are how quickly your store’s pages load, how convenient your mobile checkout process is, and how well your fraud program can handle holiday sales peaks.

Speed up your store’s page load times

In today’s m-commerce environment, simply having a responsive website is no longer enough. Mobile users expect the sites they visit to load almost immediately and they’re quick to abandon sites that don’t. Think with Google found that 40% of shoppers will leave a site that takes more than three seconds to load on their phones and nearly 80% won’t shop again with a store that provides a poor mobile experience. And that’s on a typical day.

On a peak sales day, like Black Friday, even major retailers face site slowdowns or even crashes due to heavy traffic. So now is the time to review your site’s performance, load times, and capacity to not only keep visitors from leaving before your pages load, but also to prevent crashes from sending customers to your competitors. To do this, you’ll need to talk with your IT team and your hosting service about how you can speed up your site and stay online even when a crowd of customers is visiting your store.

To get a quick snapshot of your store’s mobile page speed, Think with Google offers a Speed Scorecard and Impact Calculator. You can use the scorecard to compare your site speed to your competitors and you can see how small improvements in speed can yield more sales.

Reduce mobile cart abandonment

More people turn to their phones when it’s time to buy than ever before, which is why m-commerce is projected to have a CAGR of 24% between now and 2023. Despite this trend, the cart abandonment rate hovers around 75%, in part because many consumers give up when it’s time to check out. Review your shopping and checkout processes now to ensure they’re as friction-free as possible for mobile users.

Mobile shoppers tend to shy away from data entry on small screens whenever possible, and many are accustomed to 1-Click checkout on Amazon, which requires no data entry at all. To keep these shoppers from leaving your site and making their purchases from a competitor with a more convenient checkout process, eliminate customer registration requirements and focus on the must-have data—billing, shipping, and payment information.

Avoid holiday fraudsters and fraud-related bottlenecks

Retail e-commerce fraud is still rising, according to the 2018 LexisNexis True Cost of Fraud report, and the cost of fraud is higher for digital and physical goods sold through the mobile channel than for other retail channels. The report found that each dollar of m-commerce fraud costs digital-goods merchants $3.29 on average, compared to $2.78 per dollar of fraud for physical goods and $2.54 for retailers without a mobile channel.

Meanwhile, false declines ranged from 18% to 28% of orders, with digital goods retailers at the higher end of the range. These rejections of good orders are costly over the long-term, because many falsely declined customers won’t return. These facts are concerning year-round, but holiday sales peaks can make false declines increase if merchants don’t have enough capacity to manually review flagged orders. Overwhelmed retailers may be forced to choose between slower order screening, more completed fraud, or more false positives.

Take a look at your historical fraud rates by channel, including peak-season rates, to see how often your mobile channel has been targeted compared to your other channels. It’s also wise to review your false decline rates to see if they’ve spiked during past holiday seasons. If your mobile channel has been heavily targeted by fraudsters or has had more false declines or completed fraud during previous sales peaks, it’s time to upgrade your fraud prevention program and consider outsourcing your manual fraud review. Having outside experts take on this task during sales peaks can keep order decisions on pace while preventing fraud and reducing false declines.

By making your store easy to use on mobile devices, keeping your checkout process simple, and bolstering your peak-season fraud protection program, you can engage the growing number of consumers who prefer to shop on mobile, during the holidays and beyond. You’ll also be in a better position to fight fraud and keep your good customers year-round.

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Rafael Lourenco is Executive Vice President at ClearSale, a Card-Not-Present fraud prevention operation that protects e-commerce merchants against chargebacks. The company’s flagship product, Total Guaranteed Protection, is an end-to-end outsourced fraud detection solution for online retailers. Follow on twitter at @ClearSaleUS or visit http://clear.sale/

The post How Ready Is Your Mobile Channel for the 2018 Holiday Shopping Season? appeared first on Mobile Marketing Watch.

The following is a guest contributed post by By Merilee Kern, MBA.

Nobody starts out automatically caring about your products or services. They care about how you can make a difference in their lives.  No matter the context, all relationships begin with a “handshake moment,” whether literally or figuratively—those first few introductory moments that reveal a great deal about the character of the person standing before you. Why should company interactions with current and prospective customers or clients be any different?

Sure, “content marketing” has been a crucial ingredient impelling the evolution of traditional marketing into today’s more personalized approach, bridging the gap between cookie-cutter TV, radio, and print mass marketing to highly customized digital and social media-driven communications. Even so, today’s more personalized digital communications have plenty of challenges, all too often falling on “deaf ears” and “blind eyes” amid a marketplace becoming highly desensitized to the glut of advertising and marketing messages its exposed to any given hour of any given day…year in and year out.

So, how can brands can make and maintain meaningful connections and create a lifetime value with customers in ways that’ll set them apart in a “noisy,” increasingly jaded and discriminating marketplace? How can businesses tell an authentic story so as to foster maximized marketplace engagement and breed brand loyalty?  According to Kevin Lund, author of the new book, “Conversation Marketing: How to be Relevant and Engage Your Customer by Speaking Human,” the proverbial key to the Kingdom is for companies, no matter their size and scope, to simply “speak human.”

In this new book  Lund, who’s CEO of T3 Custom—itself a content marketing firm helping brands learn to “speak human” and supercharge ROI reportedly by as much as16-times, provides an in-depth analysis of what’s required to succeed in today’s modern marketing era, which he’s aptly coined the “Conversation Age.” Specifically, he details key principles critical for driving the more evolved conversation marketing approach, which can help companies amplify results on multiple fronts.

According to Lund, “Those who are wildly successful at conversation marketing understand the strategy is not simply about propagating online content and sharing through social media accounts. Rather, it’s a disciplined approach to communicating with a target audience in a way that tells a simple, human story that will educate, inform, entertain and, most importantly, compel customers in a way that fully captures mind–and-market share through messaging that truly resonates. Companies must stop talking ‘at’ their customers and, instead, connect with them by simply speaking human. And, it’s far beyond that initial ‘handshake moment—it’s through a constant stream of congenial engagements with each individual consumer, or the marketplace at large, based on trust and performance.”

Think it’s complicated to be an adept conversation marketer and speak human to your constituents? Think again! Below are eight of Lund’s tactical strategies from the new book that can help companies large and small become more engaging and relevant with customers, and the marketplace at large:

1. Earn Attention

To gain attention in today’s crowded marketplace, it’s prudent to do the opposite of what most everyone else is doing. That means don’t deliver clichéd, boring content that’s written for robots—search engines or otherwise—and for generic consumption. It’s unsustainable for you and your brand as well as frustratingly futile for the audience you’re trying to reach. Instead, speak human by engaging your audience with eye-level language in order to gain their attention and set your brand apart. Learn to use language that educates and entertains the audience.

Earning attention starts with asking yourself what you and your company are passionate about and conveying that genuinely in that all-important “handshake moment” of first contact—online or otherwise. Assume you’re meeting the person on the other side of the screen for the first time. Think of what you can say that’s new, memorable, a standout, and jargon-free. Also, understand and adapt to your audience. You wouldn’t talk the same way to an aging Baby Boomer as you would to a teenager.

2. Tell a Story

How do you hold someone’s attention long enough to break down a topic and engender his or her trust, but also in a way that’s unforgettable and leaves that person feeling more knowledgeable than before? The answer lies in good storytelling.

Good conversations are filled with good stories and anecdotes. But be mindful that the hero of the story isn’t your company or its products, but rather how your product or service will have a positive impact in your customers’ lives. If you can elicit an emotional response, you’re onto something.  Some standout companies have figured this out. Apple’s story, for example, isn’t about devices. It’s about innovation and how our lives are being changed for the better with Apple technology in them. Learn how to make your story short, to the point, and easy to share online.

3. Stay Humble

Being humble begins with letting go of ego—that instinctual part of the psyche that screams for a marketer to make too much noise about products or services and brag about themselves. Sigmund Freud developed a psychoanalytic theory of personality he coined the “id,” and marketers often tap into their own ids by telling the world how great their company and its products are, and how great a potential customer will be for buying them. The id operates based on the pleasure principle, which demands immediate gratification of needs.

In conversation marketing, speaking human dictates that your customer’s needs, not your own, are top priority. Your audience wants to know what you can do for them, and that means stop talking about yourself and drop the megaphone. Instead, embrace a different approach that thoughtfully and humbly explains why you do what you do and why it can make a difference in someone’s life instead of focusing on your bottom line. Stop beating them over the heads with the fabulous features and benefits of your products. Instead, tell stories that inspire and resonate with their own life experiences.

4. Pick Your Party

Equally important to the “how” of your conversation is the “where.” It should all fit seamlessly together and feel natural and organic in that moment.  Part of learning how to talk to your audience and engage them in any form of conversation is deciding where to talk to them in the first place.

This means doing the footwork to learn where your potential customers gather, and meeting them on their own ground. Where do your potential customers hang out on social media? What are they saying, and what challenges are they discussing that you can compellingly weigh-in on? Easily available research tools can help you join the right conversation at the right time and in the right place with consistency.

5. Be Relevant (on a Molecular Level)

True listening is about far more than hearing words. It’s also about fully understanding the message and concepts being imparted—whether they’re needs, wants, desires, or even complaints. Being relevant means making sure you’re talking about topics that are of sure interest to your audience, and that’s often achieved by addressing their pain points. Before a marketer can aptly communicate and speak to such pain points, however, he or she must first hear what the prospect, customer or marketplace has to say. It can be dangerous, expensive and ultimately futile for companies to presume to inherently know what should be said in conversation marketing.

6. Start the Conversation 

How do you gain audience attention in a way that prevents you from just being part of the noise? It’s no longer a question of whether you should insert yourself into the world of content marketing. It’s a matter of when you’re going to start talking, what you’re going to say, and how you’re going to say it. One good approach is to base that initial conversation on your unique value proposition for the given audience.

It’s important to always remember that your target audience doesn’t care about you. They care what you can do for them. If you’ve done your research, you’ll be familiar with their pain points and better prepared to offer answers that address their needs. Don’t be a “me-too” marketer who dishes out the same information as everyone else. Instead, develop a unique angle with a thought-provoking headline that sparks attention—even better if it disrupts conventional thinking. In addition, know your topic inside out before communicating, and make sure any other people handling your communications are experts in the field. You don’t want to risk sounding trite or inaccurate.

7.  Stop Talking

Unlike a monologue, a conversation is a two-way endeavor. Knowing when to stop talking is as important as knowing what to say and when to say it. It’s the only way to truly get a sense of what your audience (or your potential customer) is thinking in reaction to what you’ve offered, and whether to stay the course in your strategy or tweak it on-the-fly. Once you hear preliminary reaction, you can respond to questions and concerns before moving ahead or otherwise course-correct as needed. Also bear in mind that what your audience isn’t saying can be just as impactful as what they do convey.

Once your message is out, take a step back and “read the room.” That could mean monitoring online response to your blog post or using various tools to learn which of your resources are drawing attention. Are people engaged? Are they adding to the conversation? What should you do if the feedback is bad? Don’t consider a negative response or lack of response necessarily a failure. Instead, see it as an opportunity to adjust, make changes, and perhaps find ways to better meet your audience’s needs.

8. Ditch the Checklist

Before every takeoff, airline crews verbally work through an extensive checklist. There’s a detailed set of tasks to cover before the plane can even push back from the gate. However, in an ebb and flow conversation marketing context, this adherence to a certain protocol can pose limitations. Indeed, one problem with simply sticking to a checklist is that a content marketing strategy will never evolve with the times or differentiate itself in any way from what everyone else is doing.

Successful marketers endeavor to open new horizons. They take a step back and ask bigger questions about themselves and their companies’ ultimate goals, as well as what sort of new challenges their audience or customers might face over time–how to aptly adjust when needed.

Lund also suggests finding sources of inspiration. “Explore some of the successful content marketing plans that showed passion, ditched the tired old language, zeroed in on what customers needed, and started a real conversation with the market,” he urges. “Then scrutinize your own strategy and see where it might be lacking, so that you can continually refine your own checklist.”

The post Speak Human: 8 Conversation Marketing Hacks, Game-Changers appeared first on Mobile Marketing Watch.