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Here’s What Social Networks Know About You


http://mashable.com

A read through most online privacy policies is enough to make your stomach acid curdle. And social media companies have more access to personal data than most.
The infographic below, created for Baynote, explains why your web browsing and online interactions have become much more personalized. Are you comfortable with a highly customized experience, knowing it’s your data that’s making the difference?

Thumbnail image courtesy of Flickr, William Warby / feastoffun.com.

Some collect information you expressly give them, like your credit card and telephone numbers. Others gather data based on how and where you use their services. This might include anything from device and browser information to location intel. And some of it gets really specific — think about your last search query or ad click. It’s probably all “fair” game. Leer más “Here’s What Social Networks Know About You”

Mobile payments | 3wƒactory.com.ar


See on Scoop.ithuman being in – perfección

by 3Wfactory.com.ar.

Editor’s note: Bill Ready is CEO of Braintree, an online and mobile payments provider.

Every day there is a new headline about mobile payments focused on using a mobile phone to pay at retail locations. Paypal, Google and other industry giants are racing to provide new in-store mobile payment solutions. Large merchants, such as Wal-mart and Target have contemplated their own mobile payment solutions. The debate about whether NFC will be the preferred technology to enable mobile payments rages. However, despite all this press and efforts by industry giants, there is stunningly little traction to use a mobile device to pay at retail locations. This is largely because the solutions offered by industry giants thus far don’t solve a meaningful problem in the daily lives of consumers or merchants. Few things in life are easier for consumers than swiping a credit card at checkout and in-store payment systems are as easy and ubiquitous as dial-tone for merchants.

However, There is a massive mobile commerce opportunity that is a severe pain point for both consumers and merchants, but large industry players are failing to meaningfully address it. That opportunity is e-commerce on the mobile device or m-commerce. M-commerce is ramping up, proving that consumers not only like to shop via their mobile device, but also will purchase. However, the numbers also show that there’s significant room for improvement in the mobile device purchasing experience – mainly through optimizing the shopping and payment processes for consumers.

Online holiday shopping in 2011 showed substantial growth in mobile shopping activity, with both traffic and sales on mobile devices more than doubling their volume over the same period a year earlier, according to research from IBM. During the holiday shopping season, 14.6 percent of all online sessions on a retailer’s site were initiated from a mobile device (up from 5.6 percent the year before), and sales from mobile devices reached 11 percent versus 5.5 percent in December 2010. Clearly, more consumers are becoming comfortable shopping and buying from retailer web sites using their smartphones. Leer más “Mobile payments | 3wƒactory.com.ar”

Selling Digital Goods Online: E-Commerce Services Compared | Smashing Magazine

There’s a realization that every freelance designer must go through at some point: client work isn’t enough to ensure your long-term financial security. What if you get sick? What if you can’t find clients? What if you want to take a vacation?

One possible answer to this problem is earning passive income — i.e. selling products or services instead of selling your own time. A common way to do this is to sell digital goods such as eBooks, PSD templates, WordPress themes, icons, and so on. But how exactly should you sell them?

Although there are lots of marketplaces for selling digital goods, they often take a big cut of the profits. What’s more, they don’t let you customize the sales page, or let you use your own brand. This is where digital goods services come in. These services only take care of the payment, file storage, and download, and let you do the rest. This means you can easily sell your products from your own website, or through social networks.


Via Scoop.ithuman being in – perfección

There’s a realization that every freelance designer must go through at some point: client work isn’t enough to ensure your long-term financial security. What if you get sick? What if you can’t find clients? What if you want to take a vacation?

One possible answer to this problem is earning passive income — i.e. selling products or services instead of selling your own time. A common way to do this is to sell digital goods such as eBooks, PSD templates, WordPress themes, icons, and so on. But how exactly should you sell them?

Although there are lots of marketplaces for selling digital goods, they often take a big cut of the profits. What’s more, they don’t let you customize the sales page, or let you use your own brand. This is where digital goods services come in. These services only take care of the payment, file storage, and download, and let you do the rest. This means you can easily sell your products from your own website, or through social networks.

I recently wrote an eBook about UI design and needed to find a way to sell it, so I compared five such services: Quixly, FetchApp, Pulley, E-junkie, and Gumroad. I’ll tell you which one I picked at the end… but in the meantime, here are the results of my research.

[Note: Have you already pre-ordered your copy of our Printed Smashing Book #3? The book is a professional guide on how to redesign websites and it also introduces a whole new mindset for progressive Web design, written by experts for you.] Leer más “Selling Digital Goods Online: E-Commerce Services Compared | Smashing Magazine”

Addicted to Data

Complaining about junk mail is hardly novel. But “Junk Mail Thinking” is not limited to credit card offers. Junk mail thinking is metric-oriented thinking, and it pervades the business world, stemming from an almost religious devotion to measurement. An entire generation of managers has been brought up in the Church of Measurement, whose catechism is: “If you can’t measure it, you can’t manage it.” It seems like an innocent enough idea. But as uncontroversial as it sounds, a dogmatic devotion to measurement can create problems. Those problems begin with a few simple truths:

Some things are easier to measure than others. It is easy to measure how many people respond to a credit card offer. It is much harder to measure the cumulative frustration that these tactics inspire among the thousands who don’t respond. But, the fact that something is hard to measure doesn’t mean that it isn’t real. Unfortunately, we tend to fall back on things that are easy to measure over taking on an initiative that might bring real value to users. And since nothing is easier to measure than income, it’s no wonder that customers of measurement-centric companies end up feeling “nickel and dimed.” But financial focus isn’t the only flaw in the measurement mindset.


 How an Obsession With Measuring Can Hurt Businesses


Here’s one thing I love about plumbers: whenever I hire one, they stick to the plumbing. Not once has a plumber fixed my kitchen sink, only to follow up with a credit card offer. No teaser rates, no plumber points, no “convenience checks.” Not even a customer satisfaction survey. They simply do their job and collect their fee. It makes me wish dealing with larger companies were that simple.

Take for example the pre-authorized credit card offers that incessantly arrive in the mail. Every weekend, I spend a few minutes opening, shredding, and recycling the week’s accumulated offers. This routine is especially galling because many of the offers come from companies I have a relationship with. As with the plumber, I hire these companies to do a job for me (one that has nothing to do with credit cards). But unlike the plumber, these companies don’t seem to understand their role in my life.

Most of us call these unsolicited offers “junk mail.” The industry prefers the euphemism “direct mail.” Within marketing circles, this kind of tactic is known for being highly measurable. Outside of marketing, it is known for being highly annoying. (I’d suggest that these two attributes are not mutually exclusive.) Leer más “Addicted to Data”

Online Checkout Evolves — Pay by Holding Your Credit Card Up to Your Webcam

“Daniel and the Jumio team understand the challenges facing online merchants when it comes to battling credit card and identity fraud because they’re dyed-in-the-wool entrepreneurs themselves and they have encountered the problems that Jumio aims to solve,” said Scott Weiss, general partner of Andreessen Horowitz and Jumio’s new board member in a statement. “Jumio’s technology is a huge leap forward for online payments with potential to transform even more industries.”

In the real world, identity verification is limited to high-security and age-restricted areas. Most people are willing to flash a driver’s license to have a drink at a bar or to settle their tab, but if a department store tried carding people at the door, that might be a problem. How would this play out on a social media site? Spammers on Facebook are too mild of an inconvenience to warrant showing ID just to set up an account, and no one wants to be caught using their real names on Match. But things might change where money is involved.


http://socialtimes.com
By Devon Glenn | Editorial Gabriel Catalano

The Internet will need to see some ID, please. Online payment company Jumiohas announced the launch of Netverify: an image recognition technology that allows merchants to remotely scan credit cards and IDs with a webcam or phone.

To use Netverify, shoppers hold up a credit card and a driver’s license to their cameras to verify their identification as they’re checking out. This online equivalent of asking a customer to show ID at the checkout stand is designed to help eliminate credit card fraud, and although the application can recognize and verify an image, no data is stored on the computer.

With less hardware than a traditional credit card swiper – and an even more mobile platform than a plug-in device like Square – Netverify can make an online transaction just as personal as a point of sale, but less expensive for the merchants.

A curious case in Latin America


Argentine innovative payment system
e-mango | SmartMoney

It is a complementary product to the ¨ Plastics (cards) ¨, do not compete with them.
Innovate by using QR and mobile (smart or not) using the internet and cloud to transact.

 

What will this mean for the social media industry? While Jumio hasn’t announced any social applications for this technology, the company already has some very social backers, like Eduardo Saverin, co-founder of Facebook; and Peng T. Ong, founder of Match.com. The company just raised $25.5 million in a round of Series B funding led by Andreessen Horowitz, another supporter of social media startups. Leer más “Online Checkout Evolves — Pay by Holding Your Credit Card Up to Your Webcam”

40 Checkout Page Strategies to Improve Conversion Rates

To many website owners, shopping cart abandonment and conversion rate drops on a checkout page may seem to be a bitter fact of e-commerce life. But it doesn’t have to be that way. In fact, you can increase conversion rates on your checkout page by helping to give your shopper everything they need to make an informed, confident decision. Print out this helpful checklist and use it to optimize your checkout page for higher conversion rates.
Design and Layout

This is where much of the buyer’s decision to buy or not buy will rest – at first. Best shopping cart design practices will factor in here, such as ample use of whitespace, clear delineation of different steps in the order process, and these vital checkout-boosting points:

1. Give users a visual checkout process – while it’s ideal if you can fit everything onto one page, plenty of conversion studies have shown that the less clicks to checkout there are, the higher your conversion rate will be. If you need to spread things out across multiple pages, give the shopper a visual indicator of how far they’ve progressed.


http://blog.kissmetrics.com

To many website owners, shopping cart abandonment and conversion rate drops on a checkout page may seem to be a bitter fact of e-commerce life.  But it doesn’t have to be that way.  In fact, you can increase conversion rates on your checkout page by helping to give your shopper everything they need to make an informed, confident decision.  Print out this helpful checklist and use it to optimize your checkout page for higher conversion rates.

Design and Layout

This is where much of the buyer’s decision to buy or not buy will rest – at first.  Best shopping cart design practices will factor in here, such as ample use of whitespace, clear delineation of different steps in the order process, and these vital checkout-boosting points:

1. Give users a visual checkout process – while it’s ideal if you can fit everything onto one page, plenty of conversion studies have shown that the less clicks to checkout there are, the higher your conversion rate will be.  If you need to spread things out across multiple pages, give the shopper a visual indicator of how far they’ve progressed.

2. Add checkout buttons to the top and bottom of the page – The less time that customers have to spend looking for them, the sooner they’ll take action

3. Include credit card logos and security seals – Let shoppers know your site is a secure, trusted place to do business.  Popular security seals include Verisign and BizRate.

4. Give users the option to continue shopping from the checkout page – They may have forgotten something, and there’s nothing worse than hitting the back button and finding that all your cart details have vanished.

5. Differentiate checkout/continue shopping button colors – If you have these two buttons side by side, consider changing the color of one of them to make it visually separate from the others and lessen the chance that the user will click the wrong one.  Add plenty of space in between them so there’s no mistaking where the user clicked.

6. Give visitors the option to create an account AFTER checking out – There’s nothing more aggravating than being presented with the “Register to Create an Account!” popup first before you can complete your order.  Removing it caused one online retailer’s sales to increase by $300 million!  People will gladly give their contact information in order to track their purchase after the order rather than stopping to fill everything in beforehand.

Amazon.com usability

Everyone’s favorite usability study, Amazon.com has pre-checkout down to a fine art.  This cart page includes details on the item added, a financing offer, free shipping, protection plan and related accessories on one page. Leer más “40 Checkout Page Strategies to Improve Conversion Rates”