All About Online Banking

Banking today isn’t about standing in line anymore. Instead of waiting in line, go online, and discover the advantages of internet banking. Access your account 24 hours a day, 365 days a year. Do all of your banking from the comfort of your own home. In fact, the advantages are numerous:

  • Look at your financial statements anytime you want. The online transaction record is updated instantly, so when the bank knows you made the transaction, you know too.
  • Save precious time and money. Going to the bank often requires booking time off work, driving a considerable distance, and spending hours in line. Doing your banking from home will save you has money, and will help you avoid unneeded stress.
  • Reschedule your payments. If you need to skip a payment, or pay off your credit card early, a simple click of the mouse and the transaction will be complete.
  • Send yourself money. If you are in the business or habit of sending money internationally, or even between cities, you could save yourself considerable hassle by transferring your money electronically from the comfort of your chosen internet connection.
  • Borrow money when you need it. If you have a financial product such as a line of credit, you can borrow money from it over the internet. A simple click and you can place the money in your checking or savings account.
    The possibilities of using the internet to conduct financial transactions has greatly increased the flexibility of the modern internet user. Instead of spending your life waiting in line at a bank, go online, and save your time and money.

How to Select the Best Mobile Payment Application

Mobile point-of-sale (POS) solutions enable merchants to accept credit card payments where it is most convenient for their customers. Mobile payments allow merchants to accept and process credit card payments in the aisle, outside the store or anyplace customers prefer to pay. Small business owners or large enterprise merchants with a mobile sales team or non-traditional storefronts can expand their business and increase revenue by accepting mobile credit card payments using their existing smart phone.

Mobile POS systems are setting a new standard in convenience and are easy to implement and support. Merchants equipped with an iPhone, BlackBerry, Windows Mobile or Google Android device can submit, authorize and settle transactions quickly and securely.

Mobile POS systems offer several advantages:

  • Decrease Processing Cost- Merchant can lower their processing cost by using a single merchant account to accept retail and mobile payments.
  • Customer Satisfaction- Improve the customer experience by offering multiple payment options.
  • Flexibility- Mobile transactions allow merchants to take your storefront anywhere you go.
  • Stability and Reliability- Mobile POS software rivals those of the largest e-commerce, trading, and portal Web sites. Mobile POS applications can handle millions of transactions every month.

Lower Entry Cost

Considering that most people would rather lose their wallet than misplace their cell phone, it comes as no surprise that the mobile platform is quickly becoming a new payment option for small business owners. For many, our cell phone never leaves our side. It maintains its place at the dinner table, is easily accessible on your belt clip or in your pocket, and often, somehow it even manages to end up sharing your pillow at night. Today, cost conscience merchants can accept credit card payments without purchase traditional point-of-sale equipment or paying for expensive system customizations.

Market Expansion

Mobile POS solutions are priced for the small business owner and independent sales representative. Merchants can purchase a quality smart phone payment application from $0-$29.95. Questions to ask your mobile payment provider:

· Is the mobile application PCI compliant?

· Does the application support both small and large payments?

· Does the system require a payment gateway service? If so, recognize payment gateways require an additional recurring monthly fee.

· Does the application support swipe and non swipe transactions? Swipe transactions provide lower processing fees.

· What card readers are supported?

· Does the card reader support data encryption?

· Does your system provide online statements for viewing customer transactions?

· What mobile phones are supported?

· Does the system ensure no customer payment information is stored on the cell phone?

· What are all the fees associated with accepting payment?

· How quickly are customer payments funded to the merchant’s bank account?

· What is the license agreement? Specifically can the merchant load the mobile payment application on multiple devices?

We’ll undoubtedly see many mobile application providers come out of the woodwork as the industry matures. However, merchants should look for a mobile payment provider with multiple years of experience in the payment processing industry.

Top Mobile Payment Applications

1. MobileAuthorize (Google Android, BlackBerry, iPhone/iTouch, Windows Mobile)

2. iPayPOS (iPhone)

3. RoadMerchant (BlackBerry)

4. MobileMerchant (iPhone, Windows Mobile)

5 Tips for A Creative Retail Branding and Design Strategy

Quality retail branding is meant to connect businesses with customers in a way that builds trust and desire in the consumer for the brand and their product. Branding has been around since ancient times (from Roman columns to Chinese stamps), but modern commercial branding is a new phenomenon. People are more involved with brands than ever, locally and globally, to the point where two golden arches are immediately recognizable by almost everyone around the world, without any words in the picture.

In the complex world of retail, which is composed of multiple elements and disciplines, a consumer can see connections, or a lack of connections, between all the different aspects of retail at a glance. And that is where design comes in. Retail branding and design aims to create a harmonious and holistic schema out of all of the elements of retail, from personnel to product presentation. Design is not just about looks, but about function. Without a good branding and design strategy, retail stores are a mishmash of unrelated ideas that can confuse and put off potential customers.

Design your layout based on traffic flow:

When customers enter the store, where do they look? Which way do they go? Position your best products in areas where customers are more likely to notice them. Pedestrian traffic is often influenced by vehicular traffic. That is, in areas where people drive on the right side of the road, in-store traffic patterns tend to move in a clockwise pattern. Use these patterns to your advantage.

Create a focal point in your visual displays:

Don’t just bring attention to anything and everything in the store, but draw customers in by featuring one item prominent, whether that’s in a window display or in the middle of your store. Strategically position lights and other items to point to your featured product and avoid distracting customers by putting equal weight on too many items at once.

Make window effects:

Windows make small spaces look larger and more inviting. Creating windows in the walls separating two rooms can give the entire building a more airy ambience, or creating visual illusions of windows such as white panels or drapes around mirrors, can also create a window effect, increasing the feeling of light and movement, especially if you are in a small space.

Avoid clutter:

Clutter feels noisy and uncomfortable for customers. Don’t overload your customer’s visual circuits with signs and patterns and displays galore. Instead, use neutral colors for larger items and accent the space with smaller items with brighter colors, and do not place your merchandise too closely together.

Use lighting to your advantage:

Lighting is important in any shop, and especially so in small corners. Make sure that your store is well lit, or else you will not be making good use of your space – customers don’t usually prefer to wander into dark, shadowy areas, so any merchandise displayed there will not receive a fair consideration. Use a combination of different lights to keep the space illuminated and to add variety and interest to the space.

Discover How To Boost Trade With E-Commerce Business 2011 Trends

The e-commerce business 2011 trends have moved on significantly from last year. As technology and consumer habits are constantly evolving, the trends also change. If you want to ensure that your business stays ahead of the competition, and goes from strength to strength, it is important to keep up to date with the latest marketing concepts. Although the internet is still at the forefront of advertising in terms of e-commerce, there are new tools, or changes to old tools, that you should be aware of.

More institutions and businesses now take advantage of Twitter. Although the service has been around for a couple of years, it is only in the last twelve months then it has become a must have tool in the arsenal of online marketers. No matter what service or product you offer through your website, Twitter should form an important component of your advertising campaign, it is a simple way to reach out to a massive audience.

Social media continues to be a very useful concept. If you were to integrate certain applications into your portal, you can keep your potential market informed of the latest events. This year, social media is playing a much more important role in the strategies of online marketing campaigns. What's more, social networking is an extremely low-cost activity, this is appealing to both established firms and new startups. You can boost turnover while keeping the advertising budget low.

In these times of a weak economy, more consumers think carefully about price. You can use social media to highlight how affordable your services or products are, and make changes to stay competitive through the year.

Your e-commerce business should make full use of video to reach out to the public. It can now be said that the majority of homes in the country have access to fast broadband connections. Those portals on which videos can be hosted continue to draw in millions of viewers each day. You can use this trend to capture new customers, although you will need to ensure that you upload videos that are informative, interesting, and fun.

It is fundamental to stay on top of the latest search engine optimization (SEO) concepts and techniques. This is a topic that is constantly evolving; the algorithms used by the search engines are not the same today as they were this time last year. If you have not updated your keywords and other dynamics there is every chance your pages would've dropped in ranking over time.

Email marketing still has a place in today's world of e-commerce, but sending out mundane monotonous emails is of no use today. You need to create personalized emails that are more likely to generate an interest in the minds of potential customers. Consider what terminology and images can help to arouse curiosity.

To be successful in e-commerce business today requires a broad understanding of the habits and trends of the market. Social media and personal approaches are the best way of ensuring continuous profit in the months ahead.