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Category: BANKING MARKETING (Page 1 of 2)

Navigating the Cost of Living Crisis: A Guide for Pensioners

Wed, June 28, 2023 / CMJUK

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Navigating the Cost of Living Crisis: A Guide for Pensioners

Introduction:

The cost of living crisis is a significant concern for people from all walks of life, but it can be particularly challenging for pensioners. With rising prices, stagnant pensions, and limited income sources, pensioners need to adopt strategies to navigate this challenging financial landscape. In this article, we will explore several practical ways pensioners can survive and even thrive despite the cost of living crisis.

  1. Budgeting and Financial Planning: Budgeting is essential for everyone, but it becomes even more critical during a cost of living crisis. Pensioners should carefully assess their monthly expenses and identify areas where they can make cuts or find more affordable alternatives. Creating a realistic budget will help pensioners prioritize their spending and allocate resources efficiently.
  2. Maximize Benefits and Entitlements: Many pensioners are eligible for various benefits and entitlements, but they often go unclaimed due to a lack of awareness. It is essential to stay informed about available programs and schemes designed specifically for seniors. Governments and charitable organizations often offer assistance with healthcare, housing, utilities, and food. Utilizing these resources can help alleviate financial burdens and provide much-needed support.
  3. Explore Part-time Work or Flexible Employment: While working full-time may not be feasible or desirable for many pensioners, exploring part-time work or flexible employment options can be a viable solution. This can provide additional income to supplement pensions and make it easier to meet rising costs. Consider freelance work, consulting, or even pursuing a hobby or passion that can generate income.
  4. Downsize and Simplify: Many pensioners find themselves living in houses that are too big for their current needs, resulting in high maintenance and utility costs. Downsizing to a smaller, more manageable property can significantly reduce expenses. Furthermore, simplifying one’s lifestyle and decluttering can also help cut down on unnecessary expenses.
  5. Embrace Energy Efficiency: Rising energy costs can have a substantial impact on a pensioner’s budget. Implementing energy-efficient practices and investing in energy-saving appliances can help reduce utility bills. Simple measures such as turning off lights when not in use, insulating homes, and using energy-efficient light bulbs can make a noticeable difference over time.
  6. Seek Out Senior Discounts and Offers: Many businesses offer special discounts and offers for senior citizens. From restaurants and grocery stores to entertainment venues and public transportation, taking advantage of these discounts can result in significant savings. Always inquire about senior rates and keep an eye out for promotional deals designed for pensioners.
  7. Community Support and Shared Resources: Pensioners can benefit greatly from community support networks and shared resources. Joining senior centers, clubs, or social groups can provide opportunities for companionship and shared experiences. Moreover, pooling resources with neighbors or friends can help reduce costs through collective buying or sharing services.

Here’s a list of things pensioners can do to help with the cost of living:

  1. Budget and track expenses: Create a monthly budget to assess income and expenses. Track spending to identify areas where savings can be made.
  2. Maximize pension benefits: Understand all available pension benefits and entitlements. Ensure you are receiving the full amount you are entitled to by staying informed and seeking professional advice if needed.
  3. Take advantage of senior discounts: Many businesses offer discounts exclusively for senior citizens. Utilize these discounts for groceries, dining, entertainment, transportation, and more.
  4. Explore cost-saving healthcare options: Research healthcare plans and insurance options to find the most affordable coverage. Consider switching to generic medications and ask your healthcare provider for cheaper alternatives whenever possible.
  5. Downsize living arrangements: If living in a larger house or apartment is becoming expensive, consider downsizing to a smaller, more manageable property. This can reduce mortgage/rent, maintenance, and utility costs.
  6. Cut unnecessary expenses: Review your expenses and identify non-essential items or services that can be eliminated. For example, cancel unused subscriptions, reduce dining out, and limit unnecessary purchases.
  7. Embrace energy-saving practices: Implement energy-saving measures such as using energy-efficient light bulbs, insulating windows and doors, and turning off lights and appliances when not in use. This can significantly reduce utility bills.
  8. Utilize community resources: Research local community programs, charities, and organizations that offer assistance to seniors. These resources can provide support for housing, transportation, food, and other essential needs.
  9. Consider part-time work or flexible employment: Explore opportunities for part-time work or flexible employment to supplement your pension income. Look for positions that match your skills and interests or consider self-employment in a field you enjoy.
  10. Shop wisely and compare prices: Before making purchases, compare prices from different stores or online retailers. Look for sales, discounts, and promotions to get the best deals.
  11. Cook at home: Preparing meals at home is generally more cost-effective than dining out. Plan your meals, shop for groceries with a list, and cook in batches to save time and money.
  12. Share expenses with others: Consider sharing living arrangements or expenses with a roommate or family member. This can help reduce housing costs, utilities, and other shared expenses.
  13. Take advantage of free or low-cost leisure activities: Look for free or low-cost activities in your community, such as local events, library programs, senior centers, or discounted movie showings. Engaging in these activities can provide entertainment without straining your budget.
  14. Maintain good health: Taking care of your health can help reduce medical expenses in the long run. Maintain a healthy lifestyle by exercising regularly, eating nutritious meals, and getting regular check-ups.
  15. Seek financial advice: If you’re facing significant financial challenges, consider consulting a financial advisor who specializes in retirement planning. They can provide personalized advice based on your specific circumstances.

Conclusion

Remember, everyone’s financial situation is unique, and these suggestions may not apply to everyone. It’s important to assess your own circumstances and make decisions that align with your individual needs and goals.

While the cost of living crisis poses challenges for pensioners, there are practical strategies to navigate through these difficult times. By implementing budgeting techniques, maximizing benefits, exploring part-time work, downsizing, embracing energy efficiency, utilizing senior discounts, and tapping into community support networks, pensioners can mitigate the impact of rising costs and maintain a better quality of life. It is essential for pensioners to remain proactive, stay informed, and adapt to the changing financial landscape to overcome the cost of living crisis.

Further Reading

Tips for Pensioners for Surviving the Cost of Living Crisis – (equityreleasewarehouse.com)

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Financial Marketing Strategies

Mon, April 10, 2023 / CMJUK / 0 Comments

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Financial Marketing Strategies

ZEMPLER BANK FORMERLY CASHPLUS BANK HOMEPAGE.
Zempler Bank – Formerly Known As Cashplus Bank.

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Financial Services

Strategy Development | Brand Development | Graphic Design | Web Design | Customer Insight | Customer Experience (CX) | Market Research | Content Creation | Copywriting | Advertising | Direct Marketing | Stakeholder Management | Digital Marketing | Social Media | Affinity Marketing | Event Management | Crisis Management | Internal Communications

What are the main financial marketing strategies?

In the competitive world of business, financial marketing strategies play a vital role in promoting the products and services offered by financial institutions. These strategies are designed to attract potential clients, retain current customers, and increase profitability.

In this article, we will discuss the main financial marketing strategies used by financial institutions.

  1. Branding: Branding is a critical aspect of financial marketing. It helps in creating an identity and personality for the financial institution. Branding includes the company logo, website, and marketing materials. A strong brand can help in building trust, attract new customers, and retain existing clients.
  2. Digital marketing: In today’s digital age, financial institutions must have a strong online presence. Digital marketing strategies include search engine optimization, social media marketing, email marketing, and content marketing. These strategies can help financial institutions reach a wider audience, generate leads, and increase conversions.
  3. Product differentiation: Financial institutions can differentiate themselves from their competitors by offering unique and innovative products and services. This can include customized financial plans, personalized investment advice, or niche financial products. By offering something unique, financial institutions can attract customers who are looking for something specific.
  4. Relationship marketing: Relationship marketing is all about building strong relationships with customers. This can be achieved through personalized interactions, offering exceptional customer service, and providing relevant and timely information. By building strong relationships, financial institutions can increase customer loyalty and reduce churn.
  5. Cross-selling: Cross-selling involves offering additional products or services to existing customers. This can include offering a credit card to a banking customer, or a mortgage to an investment client. Cross-selling can increase revenue and profitability, while also providing added value to the customer.
  6. Referral marketing: Referral marketing involves encouraging existing customers to refer their friends and family to the financial institution. This can be done through referral bonuses, customer loyalty programs, or simply providing excellent service. Referral marketing is an effective way to acquire new customers while also building trust and credibility.

Financial marketing strategies are essential for the success of financial institutions. By implementing these strategies, financial institutions can attract new customers, retain existing clients, and increase profitability. The key is to have a clear understanding of the target audience, develop a strong brand, and offer unique and innovative products and services.

Sectors

Banking | Insurance | Commercial Finance | Corporate Finance | Credit Services | Surety | Fintech | Insurtech | Professional Services | Investment Management | M&A | Consumer Finance | Trade Bodies | Government

Exact Match Keyword Domain Names

Exact match keyword domain names, also known as EMDs, have long been a controversial topic in the world of search engine optimization (SEO) and online marketing. An EMD is a domain name that precisely matches a particular keyword or phrase that someone might use to search for a product, service, or topic on the internet. For example, if someone was searching for “UK Business Banking,” an EMD could be ukbusinessbanking.co.uk or .com.

Here are a few ways that an EMD could potentially help with marketing:

  1. Improved Search Engine Rankings: When someone types a keyword into a search engine, the search engine will often give preference to websites that have that keyword in their domain name. This is because search engines assume that a website with an EMD is likely to be relevant to the keyword that was searched. As a result, having an EMD could potentially improve a website’s search engine rankings, which could lead to more traffic and sales.
  2. Increased Click-Through Rates: When someone sees a search engine result that includes an EMD, they may be more likely to click on it than they would be if the result didn’t include the keyword. This is because they may assume that the website is more relevant to their search query. As a result, having an EMD could potentially increase a website’s click-through rates, which could lead to more traffic and sales.
  3. Improved Branding: An EMD can also help to improve a company’s branding. By having a domain name that includes a relevant keyword, a company can help to establish itself as an authority in its niche. Additionally, customers may find it easier to remember a domain name that includes a keyword, which could help to increase brand recognition and loyalty.
  4. Targeted Advertising: If a company has an EMD that includes a keyword that is commonly used in advertising, such as “cheap flights” or “discount shoes,” they may be able to target their advertising more effectively. By using their EMD in their advertising campaigns, they can ensure that their ads are being shown to people who are likely to be interested in their products or services.

While EMDs play a significant part in digital marketing and can potentially provide significant benefits for companies that use them wisely, it is important to keep in mind that an EMD alone is not enough to ensure success. Companies must also have high-quality content, a strong social media presence, and a solid overall marketing strategy if they want to succeed online. This is why it is imperative to use an agency that has experience in bringing a brand in front of a targeted audience and ultimately helps to generate leads.

DOMAINS FOR SALE – MAKE AN OFFER!

  • asset.com (MD)
  • bank.com (MD)
  • bond.com (MD)
  • bearish.com (MD)
  • ethereums.com (MD)
  • eth.com (MD)
  • eubusinessfinance.com
  • eubusinessfunding.com
  • fund.com (MD)
  • invest.com (MD)
  • investors.wales
  • stock.com (MD)
  • stocks.com (MD)
  • ukbusinessbanking.com
  • ukbusinessbanking.co.uk
  • ventureseu.com

Some of the domains are being jointly brokered by us and ‘Michael Dooner’. Some domains have been semi-developed. All the domains are generating traffic. We aim to publish more articles relating to the keyword domains soon. Unlike most domain sellers and brokers that put their domains up for sale on marketplaces hoping that someone will find their domain and put an offer in, we go one step further, we perform SEO, outbound market the domains, and in some cases semi-develop the domains to get them seen by a target audience whilst also networking and posting on social media.

Further Reading:

UK Business Banking www.ukbusinessbanking.co.uk Domain For Sale. | UK DOMAIN BROKERS, WEBSITE DEVELOPMENT & MARKETING (ukwebsitedesigners.co.uk)

35 Marketing Tips For Banks. – UK BUSINESS BANKING – BANKING DIRECTORY – BANKING FORUM – BANKING NEWS – JOB SEARCH

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Supporting Family Offices

Wed, April 05, 2023 / CMJUK

Supporting Family Offices

What Are Family Offices

Family offices are private wealth management firms that provide comprehensive financial and investment services to high-net-worth families. They are typically established by wealthy families to manage their assets, investments, and financial affairs. Family offices are not open to the public and are designed to provide personalized services to the families they serve.

The services provided by family offices vary depending on the needs and goals of the family. They can range from investment management, tax planning, estate planning, and philanthropy to concierge services, family governance, and education. Some family offices also provide legal and accounting services.

Family offices are typically set up by families with assets of at least $100 million or more. However, there are also multi-family offices that cater to families with lower net worth. These multi-family offices allow families to share the costs of services while still receiving personalized attention.

The primary objective of a family office is to provide comprehensive financial management services to its clients. This involves developing investment strategies that align with the family’s goals and risk tolerance. Family offices work closely with their clients to understand their financial needs, objectives, and constraints. They then use this information to develop customized investment plans and asset allocation strategies.

In addition to investment management, family offices also provide other financial services such as tax planning, estate planning, and risk management. They work with their clients’ attorneys and accountants to ensure that their estate plans are up-to-date and that their tax obligations are minimized.

Family offices also help families manage their philanthropic efforts. They help families identify charitable causes that align with their values and develop giving strategies that have a meaningful impact. Family offices can help families establish and manage charitable foundations, donor-advised funds, and other charitable vehicles.

Finally, family offices also provide concierge services such as travel planning, event planning, and lifestyle management. These services help families save time and reduce stress by taking care of day-to-day tasks and errands.

In conclusion, family offices are private wealth management firms that provide comprehensive financial and investment services to high-net-worth families. They are designed to provide personalized services that meet the unique needs of each family they serve. Family offices help families manage their wealth, plan for the future, and make a positive impact on the world through philanthropic efforts.

How To Support Family Offices

A family office is a private wealth management firm that caters to the financial needs of high-net-worth families. The primary objective of a family office is to preserve and grow the family’s wealth over generations. However, running a family office can be challenging, and it requires a team of professionals to ensure its success. Here are some tips on how to support a family office:

  1. Understand the Family’s Goals and Objectives

As a family office support professional, it’s crucial to understand the family’s goals and objectives. This knowledge will help you tailor your services to meet their specific needs. Take the time to learn about the family’s history, their values, and what they hope to achieve. This information will be useful in developing a customized plan that aligns with their goals.

  1. Develop Strong Relationships

Building strong relationships is critical in any business, and it’s no different when it comes to supporting a family office. You’ll be working closely with the family and their advisors, so it’s essential to establish trust and rapport early on. Show them that you’re committed to their success and that you have their best interests at heart.

  1. Provide Comprehensive Services

A family office requires a wide range of services to operate successfully. These services may include wealth management, tax planning, estate planning, philanthropy, and more. As a support professional, you’ll need to provide comprehensive services to meet their needs. If you don’t have the expertise in a particular area, consider partnering with other professionals who can provide those services.

  1. Be Proactive

A proactive approach is essential when it comes to supporting a family office. You should be anticipating their needs and offering solutions before they even ask. This level of attentiveness and care will help build trust and loyalty, which are crucial in maintaining long-term relationships.

  1. Emphasize Confidentiality and Privacy

Privacy and confidentiality are critical when it comes to working with high-net-worth families. As a support professional, you’ll have access to sensitive information about the family’s wealth and personal lives. It’s essential to emphasize the importance of confidentiality and privacy to maintain their trust and protect their reputation.

In conclusion, supporting a family office requires a dedicated team of professionals who are committed to the family’s success. By understanding their goals and objectives, building strong relationships, providing comprehensive services, being proactive, and emphasizing confidentiality and privacy, you can help ensure the success of the family office for generations to come.

What Cymru Marketing Can Do To Support Family Offices & Investors

Family offices and investors often face unique challenges when it comes to marketing and promoting their services or investments. That’s where Cymru Marketing comes in. As a leading marketing agency, Cymru Marketing can help family offices and investors create and execute effective marketing strategies that target their ideal audience and generate strong returns.

One of the key advantages of working with Cymru Marketing is their deep understanding of the financial and investment industries. They have years of experience working with family offices and investors, and understand the nuances of the industry. This knowledge allows them to create marketing campaigns that are tailored specifically to their client’s needs and goals.

One area in which Cymru Marketing can be particularly helpful is in creating strong branding and messaging for family offices and investors. A clear and consistent brand message can help family offices and investors differentiate themselves in a crowded market and establish themselves as leaders in their industry. Cymru Marketing can help develop a branding strategy that resonates with its client’s target audience and communicates its unique value proposition.

Cymru Marketing can also help family offices and investors develop content marketing strategies that showcase their expertise and provide value to their target audience. This can include thought leadership articles, whitepapers, and webinars that help establish their clients as experts in their field. By sharing their insights and knowledge, family offices and investors can build trust and credibility with their audience, and attract new clients and investors.

In addition to branding and content marketing, Cymru Marketing can also assist family offices and investors with digital marketing strategies. This can include search engine optimization (SEO) to improve their visibility on search engines like Google, social media advertising campaigns to reach their target audience, and email marketing to nurture relationships with clients and prospects. By leveraging the latest digital marketing techniques and tools, Cymru Marketing can help family offices and investors reach and engage their ideal audience, and drive strong returns on their marketing investment.

We are affiliated with:

  • Attorneys/Solicitors
  • Accountants
  • Angel Investors
  • Venture Capitalists
  • Banking

Wealth Management & Advisory

  • Wealth Management
  • Taxation and Asset Protection
  • Family Advisory Board
  • Family Governance & Communication
  • Transition Planning
  • Estate Planning

We can introduce you to our affiliated banking and accountant partners that can provide wealth management personalized investment advice to include taxation and asset protection.

We are affiliated with law firms that can provide to ensure high-quality governance arrangements and strategic direction and estate planning to include assets are safeguarded and ensure they go to the intended beneficiaries.

Philanthropic Management & Operations

  • Back-Office
  • Banking
  • Management Reporting

We help you balance participation, ownership, and wealth distribution in your succession process to ensure business continuity and family harmony. 

We help family businesses manage their range of compliance obligations, including income tax returns, PAYG Withholding, GST, and FBT. 

Our affiliated partners produce a range of statutory compliance management reports for our clients which contain extensive actionable insights. 

Conclusion

Family offices and investors face unique challenges when it comes to marketing and promoting their services and investments. Cymru Marketing can help address these challenges by developing and executing effective marketing strategies that resonate with their target audience and generate strong returns. With their deep understanding of the financial and investment industries, Cymru Marketing can help family offices and investors establish themselves as leaders in their field and attract new clients and investors.

Our Services

We are affiliated with several businesses including banking, accounting, and law firms. We are no ordinary digital marketing agency.

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How Cymru Marketing Journal can help businesses with search engine optimization

Sat, April 01, 2023 / CMJUK

How Cymru Marketing Journal can help businesses with search engine optimization

Search engine optimization, or SEO, is an essential part of any successful online marketing strategy. It involves optimizing your website and its content to rank higher on search engine results pages, increasing visibility, and driving traffic to your site. Cymru Marketing Journal is a valuable resource for businesses looking to improve their SEO efforts.

Firstly, Cymru Marketing Journal provides insightful articles and guides on SEO best practices. These resources cover a range of topics, including keyword research, on-page optimization, link building, and more. By following these guides, businesses can implement effective SEO strategies that drive results.

Furthermore, Cymru Marketing Journal offers up-to-date news and insights on search engine algorithms and updates. This information is vital for businesses looking to stay ahead of the curve and adjust their SEO strategies accordingly. By keeping up with the latest SEO news and trends, businesses can ensure that their website and content remain optimized for search engines.

Cymru Marketing Journal also offers expert analysis and commentary on SEO-related topics. This includes interviews with industry experts and thought leaders, as well as in-depth reviews of SEO tools and platforms. By leveraging the knowledge and expertise of these professionals, businesses can gain valuable insights into the world of SEO and make informed decisions about their optimization efforts.

In addition, Cymru Marketing Journal provides a platform for businesses to showcase their SEO successes and strategies. By sharing their experiences and best practices, businesses can learn from one another and improve their SEO efforts.

Overall, Cymru Marketing Journal is a valuable resource for businesses looking to improve their SEO. With insightful articles, up-to-date news and analysis, expert commentary, and a platform for sharing experiences and strategies, Cymru Marketing Journal provides businesses with the knowledge and resources they need to succeed in the world of SEO.

Conclusion

If you are not on the first three pages of search engines and are struggling to get traffic, not only will we analyze your website, but with our paid option we can list your business in our directory, design a banner ad (similar to the one we have below) and give you a landing page where you will be seen as a featured business on our site in the sidebar. We will also share your banner ad with our 11K+ connections on LinkedIn. We will perform SEO to get you listed for the exact match search terms.

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Why the domain name www.bank.com is valuable and how it would benefit a business

Tue, March 21, 2023 / CMJUK

Why the domain name www.bank.com is valuable and how it would benefit a business

A domain name is an essential aspect of any business’s online presence. It is the virtual address that people use to find and access a website. Having a strong and memorable domain name is crucial for building brand recognition and establishing credibility. Among the most valuable domain names is www.bank.com. In this article, we will explore the reasons why the domain name www.bank.com is valuable and how it could benefit a business.

Firstly, www.bank.com is a highly memorable domain name. The word “bank” is short, simple, and instantly recognizable to people around the world. This makes it easy for people to remember and type in the address when they want to access a bank’s website. Having a memorable domain name is crucial for any business, but it is especially important for a bank that wants to build trust and loyalty with its customers.

Secondly, www.bank.com is a highly authoritative domain name. The word “bank” is a top-level domain (TLD) that is only available to verify financial institutions. This means that any business that owns the domain name www.bank.com has gone through a rigorous verification process and has been deemed trustworthy by the regulatory bodies. This level of authority and trust is essential for a bank because it reassures customers that their money is safe and secure.

Thirdly, www.bank.com is a highly valuable domain name. The domain name has enormous potential for search engine optimization (SEO) because it contains a highly relevant and competitive keyword. Banks around the world compete fiercely for search engine rankings for keywords like “bank” and “online banking.” Owning the domain name www.bank.com would give a bank an enormous advantage in this competition, as it would be able to rank highly for these keywords and attract more traffic to its website.

Fourthly, www.bank.com is a highly brandable domain name. The domain name is short, simple, and easy to pronounce, making it an excellent choice for a brand name. A bank that owns www.bank.com would have a strong brand identity that would be instantly recognizable to people around the world. This would help the bank to build trust and loyalty with its customers and establish itself as a leader in the financial industry.

Finally, owning the domain name www.bank.com would benefit a business by providing a secure online presence. The domain name is highly recognizable, which makes it less likely for customers to fall victim to phishing scams or other online fraud. Additionally, owning the domain name would allow a bank to create a secure online portal for customers to access their accounts and conduct transactions. This would provide an additional layer of security and convenience for customers, which would help to build trust and loyalty.

Conclusion

Owning the domain name www.bank.com is incredibly valuable and beneficial for a business. Any bank that owns this domain name would have a significant advantage over its competitors and would be able to establish itself as a leader in the financial industry.

The domain name is being jointly brokered by Renata Barnes and Michael Dooner.

Bank.com Domain Name For Sale. | Bank.com Domain For Sale! In terms of SEO, the word ‘Bank’ could represent a financial establishment or a brand name. (ukwebsitedesigners.co.uk)

If you are looking for banking/finance domains we also have a list available for sale:

UK Business Banking www.ukbusinessbanking.co.uk Domain For Sale. | UK DOMAIN BROKERS, WEBSITE DEVELOPMENT & MARKETING (ukwebsitedesigners.co.uk)

Investors Wales Domain Name & Pitch | UK DOMAIN BROKERS, WEBSITE DEVELOPMENT & MARKETING (ukwebsitedesigners.co.uk)

Ventures EU.com Export Credit Finance | UK DOMAIN BROKERS, WEBSITE DEVELOPMENT & MARKETING (ukwebsitedesigners.co.uk)

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As you can tell we write various articles for the finance sector. It is not just about selling domain names it is about spreading brand awareness and generating traffic and leads. If you need marketing or lead generation just message us and we can start the conversation flowing. With nearly 11.5K connections on LinkedIn, we are sure we can put your business in front of a targeted audience.

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Cymru Marketing Editor Writes Articles For Businesses

Thu, March 09, 2023 / CMJUK

How the editor of Cymru Marketing Journal can write articles for Businesses.

As the editor of the Cymru Marketing Journal, one of your main responsibilities is to produce high-quality articles that will help businesses improve their marketing strategies. Writing articles that are informative, engaging, and relevant to your target audience can be a challenging task, but with the right approach, you can create content that will add value to your readers and position your publication as a trusted source of information. Here are some tips on how you can write articles for businesses:

  1. Identify your audience

Before writing, it’s essential to identify your audience. Who are you writing for? What are their interests, pain points, and goals? Businesses in different industries have unique needs and challenges, so understanding your readers’ specific needs and interests is critical. Conduct research, surveys, and interviews to get insights into your audience’s needs and preferences.

  1. Choose relevant topics

Once you’ve identified your audience, it’s time to choose topics that will resonate with them. Look for subjects that are timely, and relevant, and offer practical advice or insights that your readers can apply to their businesses. Consider the latest trends, industry news, best practices, case studies, and success stories.

  1. Research thoroughly

Thorough research is the foundation of any good article. Use credible sources such as academic journals, industry publications, and expert blogs to gather information and insights that support your article’s key points. Be sure to fact-check your information and cite your sources.

  1. Write clear and concise content

Businesses are busy, and they don’t have time to read long-winded articles. Write in a clear, concise, and easy-to-understand style. Use simple language, avoid jargon, and break down complex concepts into bite-sized pieces. Use headings, subheadings, and bullet points to make your content easy to skim.

  1. Provide actionable insights

Businesses want actionable insights that they can apply to their own marketing strategies. Provide practical advice, tips, and recommendations that your readers can put into action. Use real-world examples and case studies to illustrate your points.

  1. Use visuals

Visuals such as images, infographics, and charts can help to break up text-heavy content and make your article more engaging. Use visuals that are relevant to your topic and add value to your readers.

  1. Edit and proofread

Before publishing your article, be sure to edit and proofread thoroughly. Check for grammar and spelling errors, sentence structure, and overall readability. Use tools such as Grammarly or Hemingway to help you identify areas for improvement.

Conclusion

Writing articles for businesses can be challenging, but by following these tips, you can produce content that is informative, engaging, and relevant to your readers. Keep in mind that businesses want actionable insights that they can apply to their marketing strategies, so provide practical advice, use real-world examples, and make your content easy to understand. With these tips, you can create articles that add value to your readers and position your publication as a go-to source of information for businesses.

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Amazon & Visa Price War

Wed, November 17, 2021 / CMJUK / 0 Comments

Amazon & Visa Price War.

Amazon has announced today they will not be accepting Visa payments from Brits from 19th January 2022.

This comes to light because of Visa’s high fees for processing card transactions.

Amazon has supposedly told its customers today that it will no longer be accepting payments via this method and that all customers need to update their credit card details so that their subscriptions do not become affected.

Amazon has disputed the costs and has stated that the prices should be going down because of “technological advancements,” the online retailer will still accept debit cards, including Visa, and non-Visa credit cards.

An Amazon spokesman said, “The cost of accepting card payments continues to be an obstacle for businesses striving to provide the best prices for customers. These costs should be going down over time with technological advancements, but instead, they continue to stay high or even rise. As a result of Visa’s continued high cost of payments, we regret that Amazon.co.uk will no longer accept UK-issued Visa credit cards as of January 19th, 2022. With the rapidly changing payments landscape around the world, we will continue innovating on behalf of customers to add and promote faster, cheaper, and more inclusive payment options to our stores across the globe.”

On the flip side, a Visa spokesperson said, “UK shoppers can use their Visa debit and credit cards at Amazon UK today and throughout the holiday season. We are very disappointed that Amazon is threatening to restrict consumer choice in the future. When consumer choice is limited, nobody wins. We have a long-standing relationship with Amazon, and we continue to work toward a resolution, so our cardholders can use their preferred Visa credit cards at Amazon UK without Amazon-imposed restrictions come January 2022.”

From the Editor.

For the consumer, this will become an inconvenience if they wish to continue to use Amazon and do not have an alternative payment method.

I do have a recommendation, but first would like to say I am not affiliated or get any monetary compensation for my recommendation with this bank or “Mastercard“, however, I have been a customer of “Cashplus” from the time they first started out in 2005.

Not only has this challenger bank become an official bank this year they have also been shortlisted for “The Atffi Banking Awards 2021“, but by far the best part is they are affiliated with “Mastercard” and one can open a bank account without any credit checks online and be guaranteed an account even if you have a poor credit history.

Hopefully, whatever happens, it will work itself out in the end, but Visa is naive to think that consumers will not be looking for alternative credit/debit card providers to counteract the problem facing them. Furthermore, I disagree with their statement that nobody will win this war as the consumer is astute and will not think twice about changing providers.

#cashplus #cashplusbank #theafttibankawards #bankawards #ukbusinessbanking #mastercard #amazon #visa #business #creditcards #debitcards

Telephone Encryption to Process Payments.

Sun, November 07, 2021 / CMJUK / 1 Comment

When Companies Do Not Use Telephone Encryption To Process Payments.

It is drummed into our heads to never give out bank details over the phone especially your CVV number (the last three or four digits on the back of the card), yet some companies still are not PCI DSS Compliant and still insist on processing payments without encryption.

Is it secure to provide debit card information over the phone?

Generally speaking – if the merchant has encryption software installed it is safe to give your card details, however giving your details to a person is not, as they can easily screenshot your information or use spy cameras and use it further down the line say a month or two. Most reputable merchants employ a number of technologies that greatly increase the security level when making payments over the phone.

One of them is your credit/debit card number, which as an owner of the card only you should know, and another is a shortcode called CVV – an abbreviation that stands for card verification value.

Printed on the back of your card, the CVV is a 3-4 digit code and its intended goal is to provide additional security when making purchases. The CVV makes sure you are in possession of the card and not someone else as the code shouldn’t be known to anyone other than the card owner.

Despite all security measures you should never forget that fraudsters are always looking for ways to beat them and steal your credit/debit card information and quite possibly even your money! This is why it is important to know how to protect your data by doing a few simple things you can further protect yourself and your earnings.

This is what you need to know and so by paying attention when providing card details, especially on the phone:

  • If using the Internet, make sure the goods or service you want to buy comes from a reputable website. With that being said, always research the company offering the service or product beforehand.
  • Never make your card details shown in public.
  • Never provide your CVV number when asked on the phone or when processing a card payment in person. This is a sure sign of impending fraud! CVV numbers are for online purchases only!
  • When making a payment on the phone, always obtain the phone number from a trusted source and make the call directly.
  • Always check your monthly bank statement thoroughly for charges you do not recognize.

PCI DSS Compliance

The Payment Card Industry Data Security Standard (PCI DSS) is made up of twelve requirements. These requirements cover a wide range of topics, including securing networks, protecting data, access control measures, information security practices, and monitoring and testing. Its overarching aim is that cardholder data be protected by any organization that stores, transmits, or processes this information. Compliance is enforced by regular audits carried out by either a professional Qualified Security Assessor (QSA), Internal Security Assessor (ISA), or through a Self-Assessment Questionnaire (SAQ).

Non-compliance can result in fines, likely to be imposed by the card issuers via the acquiring banks, for any merchant who fails to meet the required standard.

Any organization that takes credit card payments is subject to the rules laid out in the PCI DSS, and they also apply to payments taken over the phone. For those companies taking payments inside a contact center, they must make sure that they:

  • Demonstrate evidence of compliance with over 400 security controls that are applicable to any part of the contact center environment handling card data.
  • Ensure that sensitive authentication data (CVC2/CVV2 security code) is not stored in any format anywhere, including call recordings.
  • Vet new CSRs and conduct appropriate background checks; an expensive and time-consuming process
  • Make sure data cannot be removed from the call center by any means; usually by restricting the use of pens and paper and banning mobile phones from the contact center.

For a company to brush off your concerns that their payment processing methods are secure, they need to provide evidence of this when asked.

ENCRYPTION (or cryptography) makes card data unreadable to people without special information (called a key). Cryptography can be used on stored data and data transmitted over a network. Payment terminals that are part of PCI-listed P2PE solutions provide merchants the best assurance about the quality of the encryption. With a PCI-listed P2PE solution, card data is always entered directly into a PCI-approved payment terminal with something called “secure reading and exchange of data (SRED)” enabled. This approach minimizes the risk to clear-text card data and protects merchants against payment-terminal exploits such as “memory scraping” malware. Any encryption that is not done within a PCI-listed P2PE should be discussed with your vendor.

Consumer rights

Certain consumer rights in the UK mean that all card transactions come with responsibilities for the merchant.

Cardholders can raise a dispute for transactions – including those done over the phone – to their card issuer, where the retailer did not provide the product or service, deliver on its own terms, or the transaction went ahead without the cardholder’s consent. This can result in a chargeback where the merchant is charged a fee and the full amount that was disputed.

The merchant should therefore be careful to get consent for each card transaction done over the phone. To avoid chargebacks, you should consequently get enough details from the customer to back up the consent. This could be the card security code, billing address, customer name as it appears on the card, etc.

If a credit (not debit) card is used for a £100+ transaction, section 75 of the Consumer Credit Act 1974 gives the consumer the right to claim back the money for a telephone transaction they did not clearly consent to.

Small_Merchant_Guide_to_Safe_Payments-use

PCI_Who_We_Are

Anyone reading this who has concerns about a company asking for their bank details over the phone should contact us using the form below for more guidance:

https://semafone.com/blog/dtmf-masking-used-payment-processing/

Note From the Editor.

The reason for this post today is that my daughter wanted to cancel her contract early with a mobile phone provider in the UK. She first spoke to someone who said they could not make the payment over the phone because they were working from home and that they would get the billing department to phone my daughter within the hour.

It was not long after my daughter received the call from the company and she could tell it was a call center because of the background noise. The operator then asked for my daughter’s card details over the phone without encryption and the worrying part was they asked for my daughter’s CVV number.

Now if this was me and I should have warned my daughter ahead of the call that if anyone asks for a CVV number refuse to give it and just insist they send a link to a secure payment method.

The amount was quite significant and now my daughter and I are worried that her details could have been stored for a later date. It does not take much effort to write the details down or screenshot a screen. One could even use a spy camera if mobile phones, pens, and notepads are prohibited.

I will be contacting the company for comment before publishing their name and my findings with Ofcom and the card payment companies who will all be making their inquiries.

**All Card issuers and banks should have a PPI & DSS Compliance Page on their websites giving consumers an opportunity to report companies to them, for them to investigate. Furthermore, the Banks and Credit Card issuers should also spread awareness to help counteract the UK £2 Billion credit card/debit card fraud problem. Merchants should only use telephone encryption software which should be made mandatory by law.

https://www.finextra.com/pressarticle/75038/the-climbing-cost-of-fraud-over-2-billion-stolen-from-uk-credit-and-debit-cards-in-the-last-year

PCI Compliance and Call Recording Explained

https://www.ofcom.org.uk/phones-telecoms-and-internet

#telephonesecurity #telephoneencryption #cybersecurity #paymentgateways #creditcardproviders #cvvnumber #tephonepayments #pcicompliance #dsscompliance

Banking Awards Shortlist 2021

Fri, November 05, 2021 / CMJUK / 0 Comments

The Aftti Banking Awards 2021

With only three weeks to go the banking industry is up for its awards The AltFi Awards 2021 honoring the top innovators in financial services and banking.

Hundreds of nominations have been rigorously assessed (while taking into account any biases, where possible), and now a “Afti” has a full list has been compiled of those firms shortlisted for one of the awards.

The full list of winners will be announced on 26 November following a glamourous ceremony in the heart of the City of London.

You can find out more about how to attend here.

Here, though, in full are those shortlisted for the AltFi Awards 2021.

Fintech Of The Year 2021
PensionBee   
Mollie   
Raisin DS		Lender Of The Year 2021
ThinCats   
Silicon Valley Bank   
Just Cashflow
CEO Of The Year 2021
Anne Boden, Starling Bank
Sebastian Siemiatkowski, Klarna
Samantha Seaton, Moneyhub		Bank Of The Year 2021
Starling Bank   
ClearBank   
Cashplus Bank
Fintech App Of The Year 2021
Freetrade   
Snoop 
Tide		Best UX Of The Year 2021
Freetrade   
Monzo   
Moneybox 
Open Banking Provider Of The Year 2021
Accountscore   
Plaid   
TrueLayer		Financial Inclusion 2021
Auxmoney   
Lendwise   
EdAid
Investor Of The Year 2021
Draper Esprit   
Chrysalis Investments   
Augmentum Fintech		Fintech Woman Of The Year 2021
Lisa Jacobs, Funding Circle
Seema Desai, iwoca
Dame Jayne-Anne Gadhia, Snoop
B2B Fintech Of The Year 2021
Thought Machine   
Checkout.com   
Plaid		Crypto Platform Of The Year 2021
Coinbase   
Bitpanda   
Zumo
Consumer Fintech Of The Year 2021
Moneybox   
Habito   
Starling Bank		Advisory Firm Of The Year 2021
Thistle Initiatives   
Adempi   
Stone Mountain Capital 
The One to Watch 2022
Lightyear   
Snoop   
Tred		Diversity and Inclusion Initiative Of The Year 2021
iwoca   
Global Processing Services (GPS)   
PensionBee
Special Industry Contribution Of The Year 2021*AltFi Editor’s Choice 2021*

Note From the Editor.

I am happy to say that a Challenger bank “CASHPLUS” that I have been a loyal customer with since they first started out, became an official bank this year and has been shortlisted for the award Bank of the Year 2021.

**Please note we are not affiliated with “Afti” what so ever and opinions expressed are solely our own.

https://www.altfi.com/article/8499_altfi-awards-2021-the-shortlists-revealed

#banking #challengerbanks #ukbusinessbanking #businessbanking #bankingawards #cashplus #cashplusbank #bankawards2021 #bankingawards 2021 #bankmarketing #marketingbanks

Bank Marketing Tips

Fri, October 01, 2021 / CMJUK / 0 Comments
Bank Marketing Tips.

Like any other business in any industry banks also need to diversify strategies to generate more traffic and leads.

Below I have embedded a link to a couple of posts I made on other sites relating to 35 Bank Marketing Tips.

35 Marketing Tips For Banks.
UK Business Banking Domain Names For Sale.

#banking #marketingbanks #ukbusinessbanking #money #bankguerillmarketing #bank #corporatebank #highstreebanks #challengerbanks

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