5 Reasons Why You Should Opt for Digital Payments

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Fact of the matter is; digital payment revolution has started and consumers are in their warm-up phase. Digitalization hasn’t completely taken over the finance or an ecommerce industry. In fact, online payments and e wallets are hottest trends yet to be penetrated.

If you are a business owner, your friend may ask why you want to go cashless? There are plenty of reasons why digital transactions are better than traditional ways of doing it.

Cash payment is an outdated system which is being replaced by digital system slowly. Read through this blog and know 5 reasons why you should opt for digital payments.

Cost cutting and convenience

If you move from cash to digital payments, one of the core reasons is the cost reduction. Because there is no need to keep the cash rather a merchant /user/account holder can have all the cash in the account. You don’t have to stand in the queues for ATM or keep a bunch of cash. Just opt for e wallets or digital wallets.


With convenience comes the question of security. That is, how secure are digital payment platforms.  Make it simple, it is safer paying digitally than through cash. There are lesser chances of being stolen while you are on the go. You can block your credit card or wallet in case of any threat.

Traceability - Record of spending

E wallets have a feature where you can keep track of transactions in the history. And see where did you spend the money. Also, some wallets offer a limit on spending, that way you won’t be spending unnecessarily.


Either you are filling petrol, doing grocery, or paying bills, you know you will be entitled with unmatchable discounts because of the amount spent online. Even digital wallets offer package deals, where you can save good amount of money.

Instant online payments – Speed

Digital payments are instantaneous, there are no traditional ways involved where cash payments took days of processing. Get paid or deliver money just instantly online through digital wallets....

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digital payments

Digital Payments: Banks Have Started Relying on Real Time Payments (RTP)

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We haven’t witnessed any drastic changes in banking areas except for payments in the last few years. Banks in Europe and developed countries are shifting from old legacy paradigm to digital or online payments.

These days, banks are catering with multiple challenges for overcoming the legacy system for payments processing. Also, banks want a system where customer journey remains frictionless and secure. Retaining customers is a big challenge too, as they have other fintech solutions.

Open Banking

Open banking is revolutionizing the financial service sector. Also generating new opportunities for payment service providers (PSPs). Open API ecosystems for banks and PSPs are enabling them to offer more end-user friendly services digitally.

One of the core benefits for consumers from open banking is the control over finances and banking data. Royal Bank of Scotland is seeking the open banking technology to enable customers pay directly through their accounts online for products and services.  The consumer doesn’t need debit or credit card for that matter. Balance is user’s account gets updated in real time, thus he can better manage his finances.

Another fine example is of Erste Bank Hungary (EBH), which is utilizing the universal online payments solution. This means, a customer can access his account’s balance in real time anywhere and via any banking channel 24/7.

Future of Payments

“Banks must build flexible use cases around businesses of all priorities. New payment architectures should leverage APIs and microservices as in delivering the foundation for future products and services”, shared by the Ovum report which is prepared by Geneva based banking company.

“Microservices will allow the creation of new curated services and have the potential to create new products currently in existence,” the report says further.

 “The rate of change in the payments world is greater than at any time in the past few decades – we are in the middle of a collision between two worlds where the old batch processes are being replaced by real-time systems,” said by David Watson, head of digital cash products at Deutsche Bank.

Cryptocurrencies Are Changing Digital Payments

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mobile app trends 2019

Mobile App Trends to Watch Out in 2019

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Our personal and professional lives are overwhelmed by the ease delivered via mobile apps in the recent few years. Mainly because they are so handy and perfect for our day-to-day routine work that we literally are depending on them.

From messaging apps to booking cabs, cooking food and shopping apps, we can easily assess revenue generation of mobile apps in billions. In fact, Statista stated that mobile apps will generate 188.9 billion USD in 2020.

In this blog, you will see mobile app development trends 2019.

Augmented and Virtual Realities

AR and VR are delivering more realistic experiences to the end consumer. These two technologies were actively in use in almost all industries. Although, we have seen more of the implications in gaming.

We have seen marketers using these technologies for boosting their campaigns and targeting audiences better. In future, we will see more and more marketers using AR/VR for speeding up the buying process.

Chatbots Applications

Personalized responses to user queries has improved in real time via chatbots. They are integrated more vividly in 2018 and the trend will amplify in 2019. Self-service providing chatbots were first used by Facebook, Slack, Twitter, LinkedIn but now they are integrated into every second online business.

The conversational interface has increased the productivity of businesses and also provided a layer of improved functionality for the end user. Any user can get instant response in real time through chatbots, they are fed with the data using machine learning and AI technologies.

Best of using chatbots is, with every user interaction, the bot becomes more efficient in answering queries. This with many other implications for mobile app development trends are getting traction.

Cash payments to e-wallets and mobile payments

The way customers are shopping and making payments is changing. The latest mobile app trend in the fintech sector is the e-wallets or mobile payments. Merchants are more keen in bringing lesser number of checkout steps. This makes the buying process quicker.

According to market stats, India alone mobile payment market will exceed 7 billion USD by 2023.

Blockchain and ICOs

Blockchain technology is eliminating the roles of third party, hence making the payments or business activity transparent. From business organization to social cause, the applications of blockchain technology has surpassed.

ICOs raised $8.8 billion in the first quarter of 2018. ICO is a trendy new way of raising funds for a blockchain project / startup.

ICOs and blockchain projects optimization on mobile devices is a must-have thing.

5 Common Screens in Popular Mobile Apps 

Some Design Ideas for Mobile App Menus 

5 Reasons Why Your Business Needs a Mobile App 

Common Practices for Mobile App Development...

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How to Write ICO White Paper? Important Steps Guide (Part 2)

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ICO white paper is clear, concise and extensive details. As we discussed in our part 1, part 2 further entails, how you should work on problem, solution, tokenization, team working on the project and technology stack.

Step 4: Problem

The problem statement gives a detailed overview of the market and narrates how there exists a gap. This part is related to market consideration. However, here you go deep into problem dissection.

Explain your investor where in the market, your product fits. Back up with facts, research, and analysis.

Step 5: Solution

Here you suggest solution. Most of the ICOs fail because their white paper fails to convince why or how the ICO is solving the particular problem. Technical solution is shared in this section of the section. Blockchain technology utilization is emphasized upon, such as smart contracts, token standards etc.

This section also contains the ‘state of the project’ that means, what is the current state of the project i.e. prototype data, first users, development strategy and goals.

Step 6: Tokenization

This is the most important part of the ICO white paper. Although, we did consider tokenization but its detailed explanation is given in this section. Here, you explain why you picked a certain type of token and how it is going with the concept or idea of the ICO. Second, you give the numbers of token specific for each ICO stage.

Share token operations, its role in the business model and the process of token distribution. Authors of the white paper must present data in the form of graphs and diagrams as it will help readers understand better.

Step 7: Technology Stack

After finalization of token’s type, number, and distribution strategy, there comes the technology stack. However, you discuss technical solution in step 5 but here you go further into the details.

Here architectural diagrams are also shared. Front end and back end technologies are shared. How database will be managed are also explained. Do entail security measures for the ICO.

Step 8: Team and Roadmap

Team profiles with the professional background if mentioned in the white paper, it builds trust. This gives credibility and investors read if a strong team is working on the project. Investors even check their social profiles.

In the roadmap, you tell ‘how you will use the funds?’ It also contains a future-proof i.e. technical description and development plans for the next 1-2 years.

How to Write ICO White Paper: Important Steps Guide Part 1...

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ICO white paper steps

How to Write ICO White Paper? Important Steps Guide (Part 1)

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Sooner or later, blockchain will going to change the world. ICO is one of the core implications of Blockchain technology. Writing ICO white paper is the first step towards its development.

ICO has grown so much so that ICO development guidelines are there in the market. And these guidelines tell us that preparing a solid white paper is a path towards a successful ICO.

White paper is same like a marketing pitch for an online investor and not just that, also a business plan. Mainly because it guides a startup about the actions it will going to take in the future.

A white paper gives a prospective client an opportunity for project’s potential assessment. Also, it helps ICO investors in making investment decision.

Writing whitepaper for ICO develops validation for investors. A trustworthy relation between ICO owner and the investor can be developed. Each and every stage of ICO is explained in the document. What’s the idea, blockchain technology stack, reliable and professional team and the roadmap of ‘how to achieve’. You devise different ICO sales i.e. private and live ICO. Number of tokens and their division into different sales’ stages for an ICO. What is the worth of the token and how the value will upgrade? All is there in the ICO white paper.

Here are few steps necessary for writing ICO white paper.

Step 1: Prepare an abstract

Ask yourself certain questions for preparing an outline draft. Length of the abstract is advisable from 150-250 words

1- Who am I addressing to? Target audience

2- What are the biggest challenges and necessities of a project?

3- What problems will be resolved in the document?

4- What are the inferences and propositions of the white paper?

Step 2: Introduction

An introduction must clearly state the problem and the proposed decision for resolving that problem. In the previous step, you must engage your target audience, so that they read-on. (Well, what’s the purpose of writing white paper if the investors don’t read).

For composing a proper introduction here are few pointers.

1- Highlight the problem by showing how centralization is inefficient.

2- Use facts for illustration of your points.

3- State the current situation and how the problem can be solved.

Step 3: Market consideration

Share market analysis, investors need information on what’s the market condition. Consider these pointers.

1- What is the real condition of the market?

2- What are my customer considerations?

3- What are the advantages of the proposed solution in the current market?

4- What structure or data can be used for trigging the interest of the market?

For ICO marketing, here are few useful tips.

How to Write ICO White Paper? Important Steps Guide Part 2...

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3 Simple Ways to Generate More Backlinks, More Traffic

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Building backlinks for a Shopify store or any other ecommerce store take time but the results are long term. We have seen a lot of ecommerce store owners spending on optimizing PPC campaigns for Google and Facebook ad campaigns, and pay little attention towards back linking and SEO marketing.

When you set up your very first PPC campaign and receive two to three orders overnight, you start experimenting with targeting ads and more. In this process, you spend more than you actually earn. Don’t get into the head rush.

We suggest a complete SEO marketing strategy and not just relying on paid campaigns. You can only achieve optimal results with a combination of organic and inorganic marketing tactics.

SEO backlinks can help in strengthening website authority in Google search. Let’s learn 4 simple ways of generating backlinks for Shopify store.

1- Guest blogging

One of the strongest ways of inbound marketing is fetching the follow links from authority websites. Bloggers love having writers on-board. However, not every blog operates the same in terms of traffic and the rules of publishing. There are top-tier blogs which publish work of someone having some sort of skills or command over the topic.

Bloggers of medium or low tier categories publish content of new writers or accept posts from outsiders just to keep their blogs updated with fresh content. Google like new/unique content.

Make sure the blogs you pick for guest blogging are relevant for your Shopify store. In Google search bar, add the keyword + ‘write for us’. All the related blogs will appear in the searches.

2- Get your products reviewed

Ask bloggers for your products’ review. Reach out to popular bloggers and ask them for the review. Maybe send them few samples of your products so that they can actually share review based on experience.

To get started, search for the blogs in your niche. Check out current blog posts of the authors and comment i.e. engage. Spend some time and know about the popular authors.

3- Prepare creative yet engaging infographics

You may have witnessed some killer infographics over the period of time-related to what you are selling. Try designing some. And submit over infographics directories.

Infographics are easy-to-understand pieces for general audiences, and for people who don’t prefer reading much of a content online. When choosing topics for the audience, stay relevant....

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Google Campaign Power Tips for Black Friday Sales

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Holiday season is the time when consumers flock onto the websites and purchase gifts online. The time period of 6-8 weeks is crucial for online merchants.

And this isn’t surprising that 40-50% of the annual sales are made through Black Friday sales or holiday season sales. When consumers start searching or shopping online, 35% of them take Google search. And 52% clicks come from Google Product Listing Ads (PLAs).

This percentage is no wonder as Google shopping is heading forward with a breakneck speed. More and more customers are clicking on Google PLAs than going to brand websites or searching on an Amazon store.

Here are some Google campaign tips for Black Friday sales.

Tip #1 Footing of your Google campaign for Black Friday Sales is the ‘product feed’

What’s this? It’s simply a feed which contains your products according to the specifications of Google which is submitted on Google Merchant Center. The strength of your product feed is key determining factor if you appear in search results for Black Friday sales or not. So, don’t miss out on specifications while submission.

Tip #2 Optimize your product titles and descriptions

When you are launching your shopping campaign, you don’t go for selecting keywords and then rank products. Rather your PLAs can influence the keywords. You may not have time for reworking on the whole feed, but you can surely update titles and descriptions. Add important keywords in titles and descriptions, and be descriptive without being spammy.

Tip #3 Look out for product disapprovals

It may happen because of many reasons such as an issue with the image on the product page. The rate of product disapprovals is 10-15% normally. This is devastating if this is happening on your top selling products which are part of Black Friday sales.

Tip #4 Bid separately for each product

Very rare is the case we see bidding for a group of products. You can see the aggregate data but won’t see how each product is performing. Look which one of the products are high performers and which ones are not right....

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Top 5 Bitcoin Wallets You Must Check

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By now, you must have heard of Bitcoin. And some of you may possess Bitcoins too. Question is, where are you keeping those Bitcoins?

The immediate answer is on Bitcoin exchanges like Bitfinex, Binance, or so much so on hosted blockchain wallets such as Cex etc. Mind it, you are putting your cryptocurrency under serious risk.

Before you put your dollar into a Bitcoin, knowing the risk is important. Bitcoin can easily get doubled in next few years or it may fall to zero in value. So, only put those savings which you can afford to lose.

Already, we have mentioned risks so you may think of the kind of risk which is associated with exchanges or hosted wallets. First, crypto wallets have private custody keys. And in both of the above-mentioned options, you won’t have any keys of your blockchain wallet.

We don’t recommend keeping cryptocurrencies in hosted blockchain wallets. Since keys are the only way of claiming Bitcoins or any other cryptocurrencies.

Where should I keep my Bitcoins?

There are five best Bitcoin wallets which are popular for their best usability and functionality. Let’s list them down here.


A platform where you can sell, buy or hold Bitcoins. Best part of this wallet is the ease of connecting to US bank account and transferring dollar to and from the wallet.

The wallet is also offering support for Bitcoin Cash, Ethereum and Litecoin.


It is one of the first Bitcoin hardware wallet introduced into the world by SatoshiLabs. A physical small device with OLED screen. You can connect the device to your laptop or mobile phone via the cable. It keeps private keys offline.

Once connected with the device, enter 9 digits’ code by corresponding to the PC screen. Add 24 words recovery seed afterward.

Trezor supports more cryptocurrencies than Coinbase.


A desktop software e wallet. Bitcoin stores on a system in a set of files and it’s available for Windows, Mac, Linux and Android.

Biggest benefit of this wallet is, you can quickly set up your wallet and start using it. However, in case of a system crash, or hack etc. your data will be lost.


Just like Electrum, it is a software e-wallet but it is much more intuitive in nature. This means, the interface is pretty and you can easily understand the flow once you create one. You can exchange Bitcoins through the app.

The wallet has the same security feature. It incorporates private key encryption. Exodus blockchain wallet converts Bitcoin or other cryptocurrencies into graphs or charts.


A mobile only digital wallet for selling and buying cryptocurrencies. It has Android and iPhone mobile wallet versions.

In comparison to other mobile wallets, a user may find navigation of the wallet hard. Except for advance users, who will like the navigation experience....

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Cryptocurrencies Are Changing the Digital Payments

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Financial technology and digital payments are gaining traction with each month passing. Cashless payments are swirling in West already and they are covering a lot of new technologies. Digital wallets, mobile apps and physical cards are few popular options.

Blockchain enabled payments, and cryptocurrencies are emerging trends in digital payments. You can use digital wallets for keeping cryptocurrencies like Bitcoin, Ethereum etc.

One of the public polls say that only 24% of the Americans use cash, whereas 62% think that cash will die soon. And blockchain is causing the major disruption in the financial sector.

No third party involvement, decentralized peer-to-peer transactions

Cryptocurrency is bringing revolution in cash system by eliminating third parties. There is no central authority involved for disbursing the cash or digital payments. There is a complete peer-to-peer transaction system on blockchain where smart contracts are prepared.

Crypto data prevents one party taking the control, hence a decentralized mechanism is what catching the most of the attraction.

One fine example which we witnessed recently is of Japan. They have declared cryptocurrency Bitcoin legal. And the famous Marui retail brand is accepting payments in Bitcoin.

Mobile wallets, payment gateways

Payment gateway companies such as PayPal, Apple Pay, and Android Pay are funded mainly through debit or credit cards. Blockchain still has to change this. However, in case of cryptocurrencies backed digital wallets, there is no need for a linked account. Add or transfer funds with ease, lesser number of checkout steps as compared to card funded wallets.

CryptoPay offers mobile wallet. It let users store and manage their Bitcoins. They can send and receive Bitcoins through this digital mobile wallet. Also, user can exchange Bitcoin for Euros and pounds, that is amazing.

Cross-border payment transactions

Cryptocurrencies are becoming more and more popular for cross-border transactions. The blockchain powered platform can process transactions in real-time. No need for central authority, hence less of an effort and time. Traditional transactions go through payment processors of banks and clearing houses. Such payments/transactions take 5 working days, the blockchain, on the contrary, is quicker....

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How to Set ICO Price Plans for Investors?

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ICOs aren’t for all types of businesses. And don’t consider them as a tool for quickly raising money even if you have ICO price plans. Most people think of it a shortcut for avoiding long and costly registration of a public offering with regulators.

First and the foremost thing before setting an ICO is deciding if your business needs an ICO or not. However, the above mentioned was the most common case when the ICOs were still in their infancy state. Entrepreneurs were going crazy for ICO funding.

Like anything, ICOs are finally taking shape and there are legalities involved.

Major question every business with a wish of ICO integration or before launching a successful ICO should ask, “whether the digital token integration into a business model be meaningful or not”.

Tokens without utility hardly sale

If the only purpose of building an ICO is trading token on an exchange, the ICO will soon crash. Sooner the released token of an ICO hits a market, an ICO comes under rigorous speculation. And tokens without strong backing or demand won’t sale. In short, demand of an ICO token must be there before the launch of pre-ICO. A demand can only be produced by generating the real ‘utility’ of the token.

Now, after you know the purpose and the demand of your ICO/tokens, move forward with the price plans.

ICO plan must have a goal or expectations. The tips we are sharing here are very important for launching a successful ICO.

There are some ways of preparing ICO price plans.

ICOs without pricing, this means the contributors will get tokens in exchange for their contribution/ cryptocurrency.

The ones with fixed price, prefixed price and participants can have the tokens however, they can only trade after the freezing limit of the ICO.

First few expensive tokens' ICOs, this method is also named as Dutch auction. In such ICO price plan, first few tokens are expensive, and the price decrease as the investment period lingers on.

ICOs offering best price, participants buying tokens through cryptocurrencies will get the best price for their tokens.


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