New research shows that 70% of mobile searchers call a business directly from search results – Thnz Caro Bertoni @MinervaZ


Thnz Caro Bertoni @MinervaZ

Working with Ipsos Research, we surveyed 3,000 mobile searchers who had recently made purchases across different industries to understand the role that click to call – from paid or organic search results – played in the purchase process. We found that calls are not only an important channel for research and transaction, but also the presence of a phone number in search results can strongly influence the perception of a business’s brand.

Click to call is important to consumers across all verticals.

Across all seven of the verticals we researched (Travel, Restaurant, Auto, Local Services, Retail, Finance, Technology) click to call was an important feature for people looking to find information and make purchases.

  • 62% of consumers searching for auto parts and services would be very likely to use click to call, and 57% would use click to call to compare pricing.
  • 60% of those searching for car rental information on their phone would use click to call, and 44% would call to make a reservation.
  • Within local services, 76% would use call features to schedule an appointment for professional services.
  • 61% of people searching for financial services on their smartphones are likely to use click to call to make changes to their bank accounts.

Consumers rely on calls for research and transacting. Leer más “New research shows that 70% of mobile searchers call a business directly from search results – Thnz Caro Bertoni @MinervaZ”

Investigación de Mercado: Focus Group Vs Experiencia Digital


See on Scoop.itGabriel Catalano human being | #INperfeccion® a way to find new insight & perspectives

Hay muy buenas empresas de investigación de mercado, pero no todas han asumido la investigación de mercados on line en su actividad diaria.

Los focus group muchas veces han terminado por considerarse el fracaso de las estadísticas fiables. Y es que es inevitable que la gente se comporte de forma diferente cuando alguien le mira, es la naturaleza humana, y es precisamente lo que ocurre cuando se hace un focus group.

Un focus group es algo caro, deficiente, impreciso y engañoso, al que se enfrenta directamente la prueba a través de experiencias digitales en su lugar. Pippa Nutt, vicepresidenta online y de medios en Canadá de Northern Lights Direct explica en DMNews por qué:

1. La gente se comporta de forma diferente cuando está debajo de un microscopio
El comportamiento de los sujetos de un estudio inevitablemente se ve alterado porque éstos saben que están siendo observados. Y si el responsable del estudio es consciente de que los sujetos se comportan de forma diferente, ¿qué validez tienen esos datos? Además, la persona que dirige el grupo influye sobre los resultados, especialmente cuando hay sujetos con una opinión formada sobre la dirección que creen que debería tomar el grupo.

Es inevitable. La naturaleza humana nos hace interpretar los signos más sutiles y reaccionar de acuerdo a ellos, lo que altera cualquier resultado. Y esto no pasa online, porque no sabemos necesariamente si alguien nos mira, haciendo que las reacciones sean más nativas, naturales y, como consecuencia, más válidas desde la perspectiva del marketing.

2. Las audiencias en los focus group no son un reflejo de la audiencia real, y menos de la audiencia online
Es imposible comparar el impacto o la validez del comportamiento de miles de visitantes a una web con un focus group de participantes que, primero tienen que querer participar, entrar en los criterios de selección y, también, caber en la sala que se ha reservado para tal propósito. Al final, la audiencia de un focus group es algo que se selecciona y para el que la gente tiene que querer entrar en esa selección. Leer más “Investigación de Mercado: Focus Group Vs Experiencia Digital”

La necesidad de ayudar al fenómeno emprendedor en España


Cooking Ideas – un blog para alimentar tu mente de ideas

 

Cuando me preguntan cómo se puede ayudar a los emprendedores siempre digo que lo mejor es dejarles trabajar, desarrollar sus ideas y no cargarles desde el principio con todo tipo de restricciones, impuestos, obligaciones, … cuando por fin consigan crear una empresa y empiecen a ganar dinero entonces llegará el momento de que paguen una parte de sus beneficios como es habitual. Creo que un emprendedor debe ser suficientemente autónomo como para poner en marcha su empresa sin necesitar muchos apoyos externos a nivel de instituciones, pero sí que es cierto que a nivel de ecosistema las instituciones y las grandes empresas pueden hacer mucho para incentivar a que cada vez haya más gente que le pierda el miedo a emprender y decida crear su propia empresa.

(más…)

Una startup de Wayra Argentina presentará su proyecto a inversores de EE.UU.


Wayra, la aceleradora global de startups tecnológicas de Telefónica, anuncia su primer “Demo Day” internacional el 12 de diciembre en Miami, Estados Unidos.
Durante este encuentro se presentará ante la comunidad inversora americana, reunida en el marco de la Americas Venture Capital Conference (AVCC), una selección de las startups aceleradas durante este año en sus doce sedes de Latinoamérica y Europa.
Las startups presentarán propuestas a problemas y oportundiades de negocio en áreas tales como “cloud computing”, video, HTML5, servicios financieros, aplicaciones móviles, e-Health y seguridad, entre otras.
Por parte de Wayra Argentina, Quolaw participará de este hito. Leer más “Una startup de Wayra Argentina presentará su proyecto a inversores de EE.UU.”

My customers are paying their bills late!


http://freelanceswitch.comGetting Paid by Freelance Clients

Freelancers have the most unusual type of obstacles when it comes to getting their clients to pay them. Beyond customers going M.I.A. or claiming they forgot, sometimes freelancers find clients refusing payment because they are unsatisfied with the work or not sure if it’s what they wanted. Yet, the work was done, so you deserve to be paid. End of story.

As a freelancer, you need to take proper and effective precautions to make sure you don’t find yourself in a position where a customer is paying you late or not even paying you at all.

1. Do Your Research

Get to know as much as you can about a client before you agree to do business with them. Get references from people who have worked with them and even pull a business credit report on a client if necessary. You must find a way to verify their financial behavior. You don’t want to bother wasting your time with someone who is notoriously a deadbeat.

2. It’s About the Contract

Never do any work on a freelance basis without having a well-structured, detailed contract. Although this takes time to prepare, it can end up saving you time (and huge amounts of money) in the end. Verbal agreements, handshakes, etc., these kind of agreements will never be enough. You need it ALL in writing.

You need to make the customer sign to the fact that, basically, they won’t be wishy-washy.

Be sure the contract specifies exactly what the payment terms are. Do they owe you money up front? When is the exact due date of the payment? And of what amount? Don’t leave any room for questions. Make sure a customer knows exactly when and how much they have to pay and signs to acknowledge this.

Include in the contract that “opinionated oppositions” will not be accepted. Specify that customers are paying for the service provided regardless of final reactions and that you are promising to deliver the service to the best of your ability in line with everything they ask.

Include in a note that if a customer decides that the original service was not what they had intended, or if they’ve changed their mind, that is to be considered a separate process and transaction. You need to make the customer sign to the fact that, basically, they won’t be wishy-washy. This video provided by the “Don’t Get Screwed Over”campaign highlights exactly what I mean by “wishy-washy”.

3. Utilize the Invoice

Leer más “My customers are paying their bills late!”

Self-employment: seven steps to success


Self employed need public liability insurance

  • By Rosie Beasley | simplybusiness.co.uk

Self employed entrepreneurs need the right business insurance

Climbing out of your comfort zone is always a big step, but the rewards of setting up as self-employed persuade thousands every year to go it alone.

Autonomy, hours to suit and the chance to steer your own career are just part of the attraction. Success however needs a firm foundation, so before you take on the big boys, make sure you’ve crossed your ‘t’s, covered your back and polished up your permits.

1. Plan for perfection

Even if you plan to work alone on a freelance basis, you should still treat your new situation as a business – therefore a good business plan is essential. Setting out exactly what you’ll be doing, who your target customers and competitors are, how you’ll promote yourself and where you hope to be in five years time will help you think strategically, and address any weaknesses in your plan before they become problems. You should also try and forecast what your expenses will be and how much revenue you’ll need to turn a profit.

Bank managers or other investors will need to see this business plan if you want to raise money – and in this case you should also detail exactly how much money you’ll need, what it will be used for, and how quickly they can either have it back or start to see returns.

2. Brand yourself (…) Leer más “Self-employment: seven steps to success”

Should I Outsource? To Be Or Not To Be Outsourcing

The Benefits
Outsourcing usually brings important benefits:
– Cost savings – this involves offshoring (companies recruiting workforce from abroad mainly for the reason it’s cheaper). For some it’s a necessity, for others just a business decision to maximize profit. Many large companies were forced by the recession to cut down costs and chose outsourcing by necessity, which stirs lots of controversies nowadays.
– Focus to core business tasks – the company may fuel investment and people’s force onto main processes of the business, leaving aside the non-essential energy consumers. Outsourcing raises the predictability of variable costs, which is another benefit.
– Quality increase – outsourcing provides access to both technology (logistics that the company could not afford by itself) and knowledge (skills, intellectual property). This enhances the in-house ability for product innovation and boosts the image of the company from customers’ perspective.
– Contract and other legal advantages – externalized services imply having a legally binding contract that offers the possibility of applying penalties and special conditions. Also, tax incentives for hiring outsources in some countries can be remarkable.
– Scalability – you won’t have to worry about temporary decreases in productivity, the outsourced company will usually be able to manage such fluctuations and integrate positive deviations too. This is a main advantage of having an external workflow.
– Liability – companies developed on a lot of ramifications often transfer liability over some concerns that are outside their core competencies to outsourcers.
– A fair open schedule – you hear a lot of talk over the work-life balance and how to optimize it. Well, outsource some of your leg work and it’s achieved!
When to Outsource
There are various concerns regarding outsourcing, as it’s an important decision that will potentially shift your business processes. They are not decisive issues, but it’s important to anticipate the risk in order to minimize it. Main issues of outsourcers sound as following:
– “I won’t be able to supervise things as I do with my in-house workers.”Distance and time zones can be obstacles for exchanging feedback, so it may be less frequent than for internal processes. There are various software solutions for communication and employee management that will help you overcome this (VoIP, instant messaging, time tracking software such as Paymo, cost and schedule assessment tools).
– “I fear my outsourcers are not as qualified as I would like.” Get to know outsourcers’ skills, expertise and know-how, also be willing to spend some hours training them in matters of your company in order to achieve the best results. This way you won’t have surprises and you will share the responsibility in case something goes wrong. Why do that when it’s easier to cancel the contract and maybe ask for compensation? Well, maybe it’s just me, but it’s more ethical to share responsibility, plus you won’t waste time in finding another outsourcer each time, and another, and another…


Outsourcing

Laura Moisei | http://workawesome.com

There’s a half-joke that trolls round my office: “You cannot do it? Outsource it to the guy next to you!” Well, I agree, this doesn’t quite mean outsourcing but rather passing the buck, yet it works like charm at times!

To state things straight, it’s a world of interaction we live in and businesses often need to outsource tasks that can be done cheaper and better by specialized third parties. How to know if outsourcing is a go for your business?

This is quite a delicate matter, even though almost every company or professional has experienced outsourcing at some point, especially when starting up. Some businesses choose to outsource narrow processes such as billing, while others externalize large sections (customer service is among the most common task here).

Most of the outsourcing pros affirm that it saves time and money, but in order to do it right and not achieve the opposite effect you should analyze some nuances.

First question for you: How wide is the task you want to outsource? A few parameters to take into account: number of people involved from your side, time and resources demanded. Before deciding to outsource, it’s always a good idea to create a formula to quantify your costs and benefits and to prove you that outsourcing has a long term benefit rather than short term – don’t hesitate to use your own variables to reach a conclusion. Obviously, saving costs should not be the sole purpose of outsourcing. Leer más “Should I Outsource? To Be Or Not To Be Outsourcing”

Audios atención telefónica VISA parte 2 y 3


Esto solo es lo q grabé, ellos hacen control de calidad! Nosotros también!!

Audio 2
https://www.box.net/shared/v4i287s5ffynxj7ecxjm

Audio 3 con operadora (le quite el nombre no tiene la culpa)

https://www.box.net/shared/yv989ca9elymqbojuu8z 

Seguiré intentando…, es mi único modo de expresar a todos los que conozco la pérdida de tiempo que te hace pasar una tarjeta Líder por Servicios ayyy VIsa!Lección sin VISA®Lección sin VISA® (Photo credit: Zamorismo Foto+Gráfico)

Reviving Entrepreneurship

America’s economic culture has traditionally been distinguished by a willingness to pursue opportunities; a parallel willingness to adopt new products and services; social, legal, and economic tolerance for failure; and the ability to efficiently redeploy people and money. All this has led to a highly evolved system for allocating human and financial capital to entrepreneurial ventures, which has brought the U.S. enormous advantage.

But this entrepreneurial engine is showing serious signs of weakness. Considerably fewer new businesses are formed in the United States today than in the past, creating fewer new jobs. Venture capital funding has contracted in both amount and breadth, and initial public offerings of small-cap companies have sharply declined. In other markets, including China and Brazil, those indicators are moving in the opposite direction.

As U.S. policy makers wake up to the need to reinvigorate entrepreneurial ventures, they must recognize entrepreneurship as a process, not an act. Their decisions change the climate for new enterprises at each stage of that process, sometimes dramatically—whether or not those decisions are made with entrepreneurship in mind.

Spot an Opportunity

Basic and Translational Science
U.S. government funding of basic research has paid off handsomely in the past. Private capital has been able to leverage federally supported discoveries, allowing them to be translated into valuable commercial applications. But the level and nature of government research funding are problematic today. As resources tighten up, decisions about what to fund grow ever more conservative. Labs have difficulty obtaining capital for the projects with the greatest potential societal payback, because those projects tend to be highly speculative and to challenge conventional wisdom. The U.S. needs to find a way to facilitate the right kinds of “risky” research.


by Josh Lerner and William Sahlman http://hbr.org/2012/03/reviving-entrepreneurship/ar/
Photograph: Topical Press
Agency/Stringer/Getty Images: Orville Wright lands a glider, 1911
America’s economic culture has traditionally been distinguished by a willingness to pursue opportunities; a parallel willingness to adopt new products and services; social, legal, and economic tolerance for failure; and the ability to efficiently redeploy people and money. All this has led to a highly evolved system for allocating human and financial capital to entrepreneurial ventures, which has brought the U.S. enormous advantage.

But this entrepreneurial engine is showing serious signs of weakness. Considerably fewer new businesses are formed in the United States today than in the past, creating fewer new jobs. Venture capital funding has contracted in both amount and breadth, and initial public offerings of small-cap companies have sharply declined. In other markets, including China and Brazil, those indicators are moving in the opposite direction.

As U.S. policy makers wake up to the need to reinvigorate entrepreneurial ventures, they must recognize entrepreneurship as a process, not an act. Their decisions change the climate for new enterprises at each stage of that process, sometimes dramatically—whether or not those decisions are made with entrepreneurship in mind.

Spot an Opportunity

Basic and Translational Science
U.S. government funding of basic research has paid off handsomely in the past. Private capital has been able to leverage federally supported discoveries, allowing them to be translated into valuable commercial applications. But the level and nature of government research funding are problematic today. As resources tighten up, decisions about what to fund grow ever more conservative. Labs have difficulty obtaining capital for the projects with the greatest potential societal payback, because those projects tend to be highly speculative and to challenge conventional wisdom. The U.S. needs to find a way to facilitate the right kinds of “risky” research. Leer más “Reviving Entrepreneurship”

“Creating an innovation entity” by Richard Hababou, Chief Innovation Officer at Société Générale

Richard Hababou is Head of Innovation Group atSociété Générale (Banking industry). He’s an acknowledged specialist in integrating new technologies in Banking Information System, shaping innovative services powered by IT.

Following conversation on “elementary particles of innovation“, Richard tells us about the set-up and the management of an Innovation entity.
An innnovation entity, what for ?

Société Générale Innovation Division was created in 2009 while the company needed to transform itself. Setting-up an entity dedicated to innovation was a way to instill “innovation thinking” within the company. The main goals were as follows:

develop an innovation culture, make innovation thinking a natural habit through Collaborative Innovation activities including set-up innovation contests and prize;
capture disruptive innovation through specific market intelligence andlab activities, and pass relevant information to business lines.


http://nbry.wordpress.com

 

Richard Hababou is Head of Innovation Group atSociété Générale (Banking industry). He’s an acknowledged specialist in integrating new technologies in Banking Information System, shaping innovative services powered by IT.

Following conversation on “elementary particles of innovation“, Richard tells us about the set-up and the management of an Innovation entity.

An innnovation entity, what for ?

Société Générale Innovation Division was created in 2009 while the company needed to transform itself. Setting-up an entity dedicated to innovation was a way to instill “innovation thinking” within the company. The main goals were as follows:

´No se trata de llevarse el mejor trozo, sino de hacer la tarta más grande´

Viven los negocios con pasión, como un presidente de club que paga de su bolsillo las fichas de sus alevines. Apadrinan “start ups”, nuevas empresas con más potencial que capital, y las rescatan de la incomprensión de financieros que no distinguen una innovación de una ocurrencia. Son los “ángeles de los negocios”, una mezcla de mentor y socio con casi un centenar de miembros en la Comunidad. Megías visitó la UMH para hablar de su oficio y su asociación, CVBan.


Viven los negocios con pasión, como un presidente de club que paga de su bolsillo las fichas de sus alevines. Apadrinan “start ups“, nuevas empresas con más potencial que capital, y las rescatan de la incomprensión de financieros que no distinguen una innovación de una ocurrencia. Son los “ángeles de los negocios”, una mezcla de mentor y socio con casi un centenar de miembros en la Comunidad. Megías visitó la UMH para hablar de su oficio y su asociación, CVBan.

TEXTO DE ANDRÉS VALDÉS 

¿Qué es un business angel?
Es una palabreja rara que se refiere a una persona física. No suele ser una sociedad de inversiones, sino una persona que al final lo que se ha planteado es invertir en proyectos innovadores con potencial de crecimiento. En su contra va la tasa de mortalidad de nuevas empresas; el 90% de las empresas creadas no suelen superar el segundo año de vida. Son inversiones que tienen un riesgo mayor, pero mucho interés. La característica más llamativa es que se invierte en una start up, empresas de nueva creación, que se eligen por el campo al que se dedican.

¿Cuál es la diferencia entre un business angel y un socio capitalista?Leer más “´No se trata de llevarse el mejor trozo, sino de hacer la tarta más grande´”

Should You Charge Customers Late Fees?

When it comes to getting customers to pay on time, business owners typically use two approaches — carrots and sticks. Pay your bill early and you get a nice discount. Pay your bill late and you get smacked with a late fee.

The trouble is that neither of these solutions does the job it’s intended to do. Quick payers who’d pay on time anyway often take advantage of early-payer discounts, cutting into your company’s profit margin. Slow payers — often cash-strapped consumers or small business owners themselves — don’t have the money to pay late fees and may not pay you at all.

What’s the answer? Scrap this ineffective system of rewards and punishments and try to figure out why your customers are paying late and what you can do to make them pay you faster.


When it comes to getting customers to pay on time, business owners typically use two approaches — carrots and sticks. Pay your bill early and you get a nice discount. Pay your bill late and you get smacked with a late fee.

The trouble is that neither of these solutions does the job it’s intended to do. Quick payers who’d pay on time anyway often take advantage of early-payer discounts, cutting into your company’s profit margin. Slow payers — often cash-strapped consumers or small business owners themselves — don’t have the money to pay late fees and may not pay you at all.

What’s the answer? Scrap this ineffective system of rewards and punishments and try to figure out why your customers are paying late and what you can do to make them pay you faster.

For example, let’s see… Leer más “Should You Charge Customers Late Fees?”

Is Corporate Venture Dead? Is Open Innovation the New Thing?

Once upon a time, we had many corporate venture units that invested in external projects as well as in internal projects from the corporate groups that they belonged to.

The number of units declined steadily during the last decade and it continues to do so in the aftermath of the financial crisis. One company that I have always admired is Danfoss Ventures, which is the corporate venture arm of Danfoss, a group with 26,000 employees working with refrigeration, air conditioning, compressors and more.

Unfortunately, Danfoss Ventures – my role model on corporate venture – is now dead. According to Executive Vice President at Danfoss, Nis Storgaard, this is about prioritizing resources where they make most impact.


Once upon a time, we had many corporate venture units that invested in external projects as well as in internal projects from the corporate groups that they belonged to.

The number of units declined steadily during the last decade and it continues to do so in the aftermath of the financial crisis. One company that I have always admired is Danfoss Ventures, which is the corporate venture arm of Danfoss, a group with 26,000 employees working with refrigeration, air conditioning, compressors and more.

Unfortunately, Danfoss Ventures – my role model on corporate venture – is now dead. According to Executive Vice President at Danfoss, Nis Storgaard, this is about prioritizing resources where they make most impact. Leer más “Is Corporate Venture Dead? Is Open Innovation the New Thing?”

Executive Excess 2010: CEO Pay and the Great Recession

Will measures like these rein in excessive executive rewards? Will they begin to significantly narrow the corporate pay gap? That appears doubtful. The UK, for instance, has had a “say on pay” provision on the books since 2002, and that provision has not prevented a continuing executive pay spiral. Despite the recession, UK executive compensation sits substantially above pre-“say on pay” levels. To bring executive pay back down to mid-20th century levels, we need reforms that cut to the quick, that recognize the dangers banks and major corporations create when they dangle oversized rewards for executive “performance.” Some reforms that would move us in that direction are now pending in Congress. Others have yet to make their way onto the congressional docket.


By Sarah Anderson, Chuck Collins, Sam Pizzigati, Kevin Shih

The 17th annual executive compensation survey looks at how CEOs laid off thousands while raking in millions.

CEO pay 2010 coverAmerica’s CEOs had a terribly rough 2009. Or so the national and regional executive pay surveys released so far this year would suggest. “CEOs See Pay Fall Again,” blared one headline early this past spring. “CEO pay rankings dominated by large salary cuts,” read another in June. “Silicon Valley bosses,” summed up still another, “get pay cut.” Month after month, the headlines have pounded home a remarkably consistent message: Corporate executives, here in the Great Recession, are suffering, too.

Corporate executives, in reality, are not suffering at all. Their pay, to be sure, dipped on average in 2009 from 2008 levels, just as their pay in 2008, the first Great Recession year, dipped somewhat from 2007. But executive pay overall remains far above inflationadjusted levels of years past. In fact, after adjusting for inflation, CEO pay in 2009 more than doubled the CEO pay average for the decade of the 1990s, more than quadrupled the CEO pay average for the 1980s, and ran approximately eight times the CEO average for all the decades of the mid-20th century.

American workers, by contrast, are taking home less in real weekly wages than they took home in the 1970s. Back in those years, precious few top executives made over 30 times what their workers made. In 2009, we calculate in the 17th annual Executive Excess, CEOs of major U.S. corporations averaged 263 times the average compensation of American workers. CEOs are clearly not hurting. Leer más “Executive Excess 2010: CEO Pay and the Great Recession”

Launch your dream career in ‘retirement’

So while it might not be possible to completely stop work at 55 (an age when many women would like to retire, Fitzhardinge says), at least she might be able to reduce her hours at work and transition into a role that excites her. Fitzhardinge says often these roles aren’t as lucrative as the salaries women have enjoyed earlier in their career, but they provide a top-up to income into retirement, and can be merged with lifestyle as much as possible.

As part of this strategy, Fitzhardinge works with women to add skills development into their financial plan so they can begin to build the skills they will need in their new ‘passion’ career.


An assortment of United States coins, includin...

For many of us dreams of retirement include visions of finally having the time to do all those things we’ve never had the time to do. But did you ever imagine your ‘retirement’ planning might include a way to finally embark on a business idea you are passionate about?

Linda Fitzhardinge is an empowerment coach at the organisation Women Building Wealth. She gives women financial advice and encourages them to take an holistic approach to their health, wealth and spirit – and says all three elements are closely inter-related.

Fitzhardinge says there are times when she has met with a client to discuss her retirement plans and the session has ended in tears because dreams do not align with financial reality.

But instead of focussing on the negatives of such a realisation, Fitzhardinge has been working with older women to draw out their ideas for earning income from ideas they are passionate about. Leer más “Launch your dream career in ‘retirement’”