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Internet Banking and Privacy Policies

Privacy policy legislation affects internet banking just as it does any other type of banking establishment. You might want to keep your personal information private. If so, it is good to know how your bank treats privacy policy. A study was done to determine how well different banks, including internet banking companies, dealt with privacy [...]

Books on Internet Banking

There are many intellectual books on internet banking. There seem to be few that the average person can read and understand. With a little investigation at your local bookstore and online, you can find some fairly recent books that have something to say to the average consumer about internet banking. Scams and Swindles: Phishing, Spoofing, [...]

Problems with Internet Banking

Most people who have accounts with traditional banks do some internet banking now. Some are hesitant because of problems they see in the industry. While there are some disadvantages to internet banking, many of the problems start with the consumer. For example, there are still quite a few people who do not use internet banking [...]

Time Management a Itas Not Work That Kills You

Talking of good time management, the first thing that comes to our mind is our professional work or household duties. People say they spend a lot of time in the workplace, hence, do not have time to spend with their family or on themselves. Wrong! The fact is people waste a large amount of time [...]

Phishing And Fraud a What Is It?

Phishing is a very sneaky type of fraud conducted over the Internet. Its name is a throw back to the early days of hacking and identity theft and the practice of phone phreaking. While there can be very complicated schemes devised, they are all based on a very simple concept. Phishers try to persuade you, [...]

Steps To Take If You Are A Victim Of Identity Theft

Identity theft can be one of our worst nightmares, since the stolen identity is always used for illegal purposes. Apart from having your identity stolen from you, you could also become a target of litigation from parties hurt by the actions of the identity thief. So what should you do if you ever become a [...]

How to Prevent Identity Theft

In 1996, Mari Frank lost her identity to an internet hacker when a stranger accessed her credit report online. Ten months later, Frank, of Laguna Niguel, California, had a creditor call him about “her” outstanding debt and it was a lot, a huge lot, including payments for a red convertible that she apparently bought. What [...]

Understanding An Adjustable Rate Mortgage

Among the options you have when choosing a mortgage loan, there are those of a fixed or adjustable interest rate. While the fixed rate is easy to understand – the same interest throughout the life of the loan, it could be a good idea to have a closer look at how an adjustable rate mortgage [...]

Questions From an Identity Theft Victim

Identity theft is a crime in which the imposter obtains key pieces of information such as Social Security and driver’s license numbers to obtain credit, merchandise and services in the name of the victim. The victim is left with a ruined credit history and the time-consuming and complicated task of regaining financial health. The imposter [...]

APR and FEES Credit Cards

Many card providers calculate APR based on several tables. The APR is part of the package when receiving a credit card that you must understand to avoid debt. Nowadays, nearly any company that offers consumers the ability to pay their debts via phone will charge a fee. The fee sometimes starts at $1.50 and reaches [...]

Get a credit card with a low interest rate

Before you choose a credit card it would be wise to first find out the interest rates offered by all the credit card companies and banks. While you compare credit card companies and banks, take note of the ones with low interest rates and offer the best benefits. Don’t miss the fine print as that [...]

What You Need to Know about Identity Theft

When somebody uses your personal information, such as your name, address, phone number, credit card number, social security number and so on, with the intent to fraud or deceive, then they are committing identity theft. Typically, the information is used for financial gain by the thief. It may be to make unauthorized charges on your [...]

A Credit-free Card: What is a prepaid credit card?

In this high-tech era of computers and machines, the purchasing power of people is mostly based on credit. Nowadays, credit cards are almost indispensable in almost any business transaction. For one, nobody can purchase anything online without a credit card. People who have a poor credit history though, will have a hard time getting or [...]

How to Prevent Internet Banking Fraud

Internet banking, like any other business arena, is susceptible to fraud. Phonies abound in every type of business, and this is no different. Yet, there are some ways you can prevent being taken. One kind of fraud is done on fake bank sites. These are look-alike sites that imitate your internet banking website. They sometimes [...]

Capital One Financial Cards

We all need money to live to tell the tale and from time to time when our cash is low, a credit card can come in handy. Credit cards can also come in handy if you are traveling. Since, most people hate to carry cash while traveling they will often use a major credit card. [...]

How to Keep Your Internet Banking Account in the Black

If you keep a large balance in your internet banking account, it may be easy for you to keep it in good standing. However, if you are like many people, you might be running on a tight budget. If so, you will need to be careful about how you handle your account. One of the [...]

Red Alert Credit Cards

Therefore, you think you want a credit card and only know that the cards will provide you credit when you are low on funds. Nowadays, you need to know more that defaults, late fees, APR, annual fees, cash advance, rewards, and so forth to understand credit cards. Recent reports have clearly made known that these [...]

More Than Meets The Eye: What Is A Chase Credit Card?

With so many credit cards dominating the market these days, people can no longer tell the difference between one card to another. It all seems like a wide array of credit cards all committed to provide the consumers with substantial means in cashless shopping. However, there is one credit card that aims to be above [...]

For Reality: What Is A Low Apr Credit Card

Shopping had never been lousy since the advent of credit cards. Since then, people had always been indulging into various cashless shopping due to the convenience of the credit card. However, most people get credit cards only for the sake of shopping. They do not even read the fine print on their credit card and [...]

Asian Countries Worried About Identity Theft

For many people in Singapore and other Asian countries, theft of their identities is the biggest worry they face, according to the latest Security Index. Eighty percent of people who were surveyed in Singapore along are worried about others stealing their identities or using their credit cards without their knowledge. Hong Kong and Malaysia had [...]

Rare 2023 BMW M4 CSL Celebrates 50 Years of M Performance

The 2023 BMW M4 CSL is only the third in company history to bear the Coupe Sport Leichtbau (Coupe Sport Lightweight) moniker. It may not seem evident at first, and donat let the lack of aero appendages or a shouty rear wing fool you: The new M4 CSL is a lighter, harder, and faster M4 Competition RWD, a car that you wouldnat call slow or lacking in merits with its 503-horsepower twin-turbocharged 3.0-liter inline-six. Setting The Stage Itas not every […]

Original article: Rare 2023 BMW M4 CSL Celebrates 50 Years of M Performance


2023 Genesis GV60 Arrives In The United States With Free Charging, Facial Recognition Tech & More

The 2023 Genesis GV60 is the brandas first all-electric vehicle. It didnat take long for Genesis to unravel its battery-electric crossover since itas likely already inspired by the Hyundai Ioniq 5 or Kia EV6, just with designer clothing. Thatas not bad since Hyundai and Kiaas first attempt at an all-electric vehicle was a runaway success based on early reviews. First unveiled in 2021, the GV60as quirky styling is only a teaser for whatas beneath. It has plenty of innovative features […]

Original article: 2023 Genesis GV60 Arrives In The United States With Free Charging, Facial Recognition Tech & More


2023 Volvo Lineup Consists of Only Hybrid, PHEV or Electric Vehicles

Swedish automaker Volvo is solidifying its commitment to sustainability by electrifying its entire 2023 vehicle portfolio. The popular XC90 Recharge PHEV has been on sale since 2015, while the new V60 Cross Country is arriving at dealerships with a standard mild-hybrid engine. Meanwhile, the XC40 crossover received an all-electric powertrain in 2020 (XC40 Recharge), while the gas variants now also have a standard mild-hybrid system. 2023 Volvo Lineup Electrifying its entire vehicle lineup is Volvoas first step in realizing a […]

Original article: 2023 Volvo Lineup Consists of Only Hybrid, PHEV or Electric Vehicles


5 Lenders with the Best Auto Loan Rates (2022)

The best auto loan rates are just over 2% and come from PenFed. Learn how to find the best auto loans from PenFed, myAutoloan, LightStream, and Bank of America.

Original article: 5 Lenders with the Best Auto Loan Rates (2022)


Best Car Insurance: Our Picks (May 2022)

We looked at cost, service, coverage, and more to help you find the best car insurance. Here are the results for the top car insurance companies.

Original article: Best Car Insurance: Our Picks (May 2022)


Memorial Day Car Warranty Deals From Top Providers (2022)

With special Memorial Day car warranty deals, you can get coverage from some of the industryas top providers at substantially lower prices. Find out where and how.

Original article: Memorial Day Car Warranty Deals From Top Providers (2022)


2023 Lexus RZ: Automakeras First Battey EV Features AWD, Steer by Wire System, New Body Design & More

The 2023 Lexus RZ is the luxury automakeras first-ever pure electric vehicle. Toyotaas premium subsidiary wants to attain 100 percent battery electric vehicle (BEV) sales globally by 2035, and it plans to offer a full lineup of new and exciting electric cars across its portfolio by 2030. The RZ is the dawn of a new age for Lexus. aWe believe that Lexus, an established luxury automaker, should continue pursuing the creation of exciting cars while respecting nature and the global […]

Original article: 2023 Lexus RZ: Automaker’s First Battey EV Features AWD, Steer by Wire System, New Body Design & More


Lamborghini HuracA!n Tecnica: Racetrack Prowess & Concept Car Styling

The Lamborghini HuracA!n Tecnica is the next generation of the Italian automakeras rear-wheel drive, V10 architecture. The Tecnica name embodies the evolution of the car’s technical prowess, according to Lamborghini, and slots nicely between the HuracA!n EVO RWD and the track-ready HuracA!n STO. We think that Tecnica is the best-looking HuracA!n yet, and it comes with all the yummy mechanical wizardry we grew to love in Lamborghinias best-selling model yet. aThe HuracA!n Tecnica condenses Lamborghinias design and engineering expertise to […]

Original article: Lamborghini HuracA!n Tecnica: Racetrack Prowess & Concept Car Styling


2023 BMW 7 Series: Distinctive Styling, New Tech Features, All-Electric Model & More

The 2023 BMW 7 Series is the seventh generation of the German automaker’s flagship luxury sedan. It is also the most controversial given its newfound styling idiom, a carryover from the brand’s decent-looking iX electric SUV. The new 7 Series and its massive kidney grilles are hard to miss, but the lighting arrangements are worth a second pause. There was a time when BMW sedans straddled a fine line between polarizing and forward-thinking a we’re talking about the Bangle era […]

Original article: 2023 BMW 7 Series: Distinctive Styling, New Tech Features, All-Electric Model & More


Keyword Selected: card

Internet Banking and Privacy Policies

Privacy policy legislation affects internet banking just as it does any other type of banking establishment. You might want to keep your personal information private. If so, it is good to know how your bank treats privacy policy. A study was done to determine how well different banks, including internet banking companies, dealt with privacy [...]

Books on Internet Banking

There are many intellectual books on internet banking. There seem to be few that the average person can read and understand. With a little investigation at your local bookstore and online, you can find some fairly recent books that have something to say to the average consumer about internet banking. Scams and Swindles: Phishing, Spoofing, [...]

Problems with Internet Banking

Most people who have accounts with traditional banks do some internet banking now. Some are hesitant because of problems they see in the industry. While there are some disadvantages to internet banking, many of the problems start with the consumer. For example, there are still quite a few people who do not use internet banking [...]

Time Management a Itas Not Work That Kills You

Talking of good time management, the first thing that comes to our mind is our professional work or household duties. People say they spend a lot of time in the workplace, hence, do not have time to spend with their family or on themselves. Wrong! The fact is people waste a large amount of time [...]

Phishing And Fraud a What Is It?

Phishing is a very sneaky type of fraud conducted over the Internet. Its name is a throw back to the early days of hacking and identity theft and the practice of phone phreaking. While there can be very complicated schemes devised, they are all based on a very simple concept. Phishers try to persuade you, [...]

Steps To Take If You Are A Victim Of Identity Theft

Identity theft can be one of our worst nightmares, since the stolen identity is always used for illegal purposes. Apart from having your identity stolen from you, you could also become a target of litigation from parties hurt by the actions of the identity thief. So what should you do if you ever become a [...]

How to Prevent Identity Theft

In 1996, Mari Frank lost her identity to an internet hacker when a stranger accessed her credit report online. Ten months later, Frank, of Laguna Niguel, California, had a creditor call him about “her” outstanding debt and it was a lot, a huge lot, including payments for a red convertible that she apparently bought. What [...]

Understanding An Adjustable Rate Mortgage

Among the options you have when choosing a mortgage loan, there are those of a fixed or adjustable interest rate. While the fixed rate is easy to understand – the same interest throughout the life of the loan, it could be a good idea to have a closer look at how an adjustable rate mortgage [...]

Questions From an Identity Theft Victim

Identity theft is a crime in which the imposter obtains key pieces of information such as Social Security and driver’s license numbers to obtain credit, merchandise and services in the name of the victim. The victim is left with a ruined credit history and the time-consuming and complicated task of regaining financial health. The imposter [...]

APR and FEES Credit Cards

Many card providers calculate APR based on several tables. The APR is part of the package when receiving a credit card that you must understand to avoid debt. Nowadays, nearly any company that offers consumers the ability to pay their debts via phone will charge a fee. The fee sometimes starts at $1.50 and reaches [...]

Get a credit card with a low interest rate

Before you choose a credit card it would be wise to first find out the interest rates offered by all the credit card companies and banks. While you compare credit card companies and banks, take note of the ones with low interest rates and offer the best benefits. Don’t miss the fine print as that [...]

What You Need to Know about Identity Theft

When somebody uses your personal information, such as your name, address, phone number, credit card number, social security number and so on, with the intent to fraud or deceive, then they are committing identity theft. Typically, the information is used for financial gain by the thief. It may be to make unauthorized charges on your [...]

A Credit-free Card: What is a prepaid credit card?

In this high-tech era of computers and machines, the purchasing power of people is mostly based on credit. Nowadays, credit cards are almost indispensable in almost any business transaction. For one, nobody can purchase anything online without a credit card. People who have a poor credit history though, will have a hard time getting or [...]

How to Prevent Internet Banking Fraud

Internet banking, like any other business arena, is susceptible to fraud. Phonies abound in every type of business, and this is no different. Yet, there are some ways you can prevent being taken. One kind of fraud is done on fake bank sites. These are look-alike sites that imitate your internet banking website. They sometimes [...]

Capital One Financial Cards

We all need money to live to tell the tale and from time to time when our cash is low, a credit card can come in handy. Credit cards can also come in handy if you are traveling. Since, most people hate to carry cash while traveling they will often use a major credit card. [...]

How to Keep Your Internet Banking Account in the Black

If you keep a large balance in your internet banking account, it may be easy for you to keep it in good standing. However, if you are like many people, you might be running on a tight budget. If so, you will need to be careful about how you handle your account. One of the [...]

Red Alert Credit Cards

Therefore, you think you want a credit card and only know that the cards will provide you credit when you are low on funds. Nowadays, you need to know more that defaults, late fees, APR, annual fees, cash advance, rewards, and so forth to understand credit cards. Recent reports have clearly made known that these [...]

More Than Meets The Eye: What Is A Chase Credit Card?

With so many credit cards dominating the market these days, people can no longer tell the difference between one card to another. It all seems like a wide array of credit cards all committed to provide the consumers with substantial means in cashless shopping. However, there is one credit card that aims to be above [...]

For Reality: What Is A Low Apr Credit Card

Shopping had never been lousy since the advent of credit cards. Since then, people had always been indulging into various cashless shopping due to the convenience of the credit card. However, most people get credit cards only for the sake of shopping. They do not even read the fine print on their credit card and [...]

Asian Countries Worried About Identity Theft

For many people in Singapore and other Asian countries, theft of their identities is the biggest worry they face, according to the latest Security Index. Eighty percent of people who were surveyed in Singapore along are worried about others stealing their identities or using their credit cards without their knowledge. Hong Kong and Malaysia had [...]

How Partytown Eliminates Website Bloat From Third-Party Scripts

Introducing Partytown, a lightweight open-source solution that reduces execution delays due to third-party JavaScript by offloading third-party scripts to web workers, which run in background threads.

CTA Modal: How To Build A Web Component

In this article, Nathan Smith explains how to create modal dialog windows with rich interaction that will only require authoring HTML in order to be used. They are based on Web Components that are currently supported by every major browser.

Boosting UX With Design KPIs

We should be able to measure how well a particular design solves a particular problem. Letas explore design KPIs that capture useras experience, how to measure them and how to keep both users and business stakeholders happy, over time.

Preventing Bad UX Through Integrated Design Workflows

When bad UX has lingered in a product for so long, it can feel like a mountain to overcome. In this article, Ceara Crawshaw shares her advice on how you can invoke joy and assure the quality in the work done on product teams.

What If Our Sliders Actually Slid?

In this article, Jhey Tompkins explores one of GreenSocksa newest plugins alongside React to create an impractical whimsical spin on a well-known native element: ``.

Testing The CLI The Way People Use It

Have you ever wondered, why do people write CLI tools? When is a good time to think about yours? Today weall touch on these questions, along with some tips to remember when creating one. However, all of this serves as a prelude to the real topic: end-to-end testing of CLI tools.

Designing Better Navigation With Navigation Queries

In UX, we can use navigation queries, evaluation journeys, A-Z index and tap-ahead autocomplete to help users get where they want to be, faster. Letas find out how.

Productivity Tips And Tools For A More Efficient Workflow

Who doesnat love a good timesaver? In this post, we compiled useful productivity tips and tools that help you speed up routine tasks, enhance your development workflow, and stay organized.

Keyword Selected: online

How to Clone a HubSpot Knowledge Base Article

Hubspotas Knowledge Base system is very popular, but it does not allow users to copy an existing KB article. In this article, we will walk…

The post How to Clone a HubSpot Knowledge Base Article appeared first on Doakio.


5 Effective Tips For Remote Collaboration

A remote work environment can be a boon for employees with advantages like no-commuting time, high productivity, and more flexibility. These are the primary reasons…

The post 5 Effective Tips For Remote Collaboration appeared first on Doakio.


Top 5 Social Media Platforms that Support Video Sharing in 2021

Using a data-driven approach, weave uncovered the best social media platforms that support video sharing. Instead of using a subjective ordering of aBesta tools, this…

The post Top 5 Social Media Platforms that Support Video Sharing in 2021 appeared first on Doakio.


What is Image Ranking Software?

Image Ranking Software Definition User experience (UX) is becoming even more important in today's digital world. Image ranking software tools are web-based applications that help…

The post What is Image Ranking Software? appeared first on Doakio.


Top 5 Alternative Web Browsers with Translation Feature in 2021

According to the data, these are the best alternative web browsers with a translation feature. Some articles give you a random ordering of aBesta tools,…

The post Top 5 Alternative Web Browsers with Translation Feature in 2021 appeared first on Doakio.


What is a Software Comparison Website?

Software Comparison Website Definition A software comparison website is a platform that advertises itself as a way to find and select software, usually grouped by…

The post What is a Software Comparison Website? appeared first on Doakio.


Top Five Meta-Search Engines in 2021

A metasearch engine is a tool that retrieves online information from web-search engines to create their own results. Businesses use metal search engines to stay…

The post Top Five Meta-Search Engines in 2021 appeared first on Doakio.


What is Website Change Monitoring Software?

Website Change Monitoring Software Defined Many internet users are familiar with the frustrations of manually checking an entire webpage for changes, only to find that…

The post What is Website Change Monitoring Software? appeared first on Doakio.


Best Free Childrenas eBooks Online | Gizmoas Freeware Archive

Introduction This is a listing of 234 sites that legally offer free ebooks for children to read. There is a separate listing of audio books…

The post Best Free Children’s eBooks Online | Gizmo’s Freeware Archive appeared first on Doakio.


5 Top Linux Password Managers in 2021

Password managers are great at creating unique passwords. Also, users donat need to remember passwords since these tools store them securely. This article, based on…

The post 5 Top Linux Password Managers in 2021 appeared first on Doakio.


How to Clone a HubSpot Knowledge Base Article

Hubspotas Knowledge Base system is very popular, but it does not allow users to copy an existing KB article. In this article, we will walk…

The post How to Clone a HubSpot Knowledge Base Article appeared first on Doakio.


5 Effective Tips For Remote Collaboration

A remote work environment can be a boon for employees with advantages like no-commuting time, high productivity, and more flexibility. These are the primary reasons…

The post 5 Effective Tips For Remote Collaboration appeared first on Doakio.


Top 5 Social Media Platforms that Support Video Sharing in 2021

Using a data-driven approach, weave uncovered the best social media platforms that support video sharing. Instead of using a subjective ordering of aBesta tools, this…

The post Top 5 Social Media Platforms that Support Video Sharing in 2021 appeared first on Doakio.


What is Image Ranking Software?

Image Ranking Software Definition User experience (UX) is becoming even more important in today's digital world. Image ranking software tools are web-based applications that help…

The post What is Image Ranking Software? appeared first on Doakio.


Top 5 Alternative Web Browsers with Translation Feature in 2021

According to the data, these are the best alternative web browsers with a translation feature. Some articles give you a random ordering of aBesta tools,…

The post Top 5 Alternative Web Browsers with Translation Feature in 2021 appeared first on Doakio.


What is a Software Comparison Website?

Software Comparison Website Definition A software comparison website is a platform that advertises itself as a way to find and select software, usually grouped by…

The post What is a Software Comparison Website? appeared first on Doakio.


Top Five Meta-Search Engines in 2021

A metasearch engine is a tool that retrieves online information from web-search engines to create their own results. Businesses use metal search engines to stay…

The post Top Five Meta-Search Engines in 2021 appeared first on Doakio.


What is Website Change Monitoring Software?

Website Change Monitoring Software Defined Many internet users are familiar with the frustrations of manually checking an entire webpage for changes, only to find that…

The post What is Website Change Monitoring Software? appeared first on Doakio.


Best Free Childrenas eBooks Online | Gizmoas Freeware Archive

Introduction This is a listing of 234 sites that legally offer free ebooks for children to read. There is a separate listing of audio books…

The post Best Free Children’s eBooks Online | Gizmo’s Freeware Archive appeared first on Doakio.


5 Top Linux Password Managers in 2021

Password managers are great at creating unique passwords. Also, users donat need to remember passwords since these tools store them securely. This article, based on…

The post 5 Top Linux Password Managers in 2021 appeared first on Doakio.


Author Correction: Assembly of the basal mantle structure beneath Africa


Coronapod: 'A generational loss' - COVID's devastating impact on education


Why call it BA.2.12.1? A guide to the tangled Omicron family


Physics/Temporal Engineering 404: Retrograde causal time travel


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Robot surgeons steer smoothly with help from magnet-free motor


Keyword Selected: payment

What Are the Different Types of Invoices?

If youare a freelancer, contractor, or business owner, you know how crucial it is to...

The Solution to Creating Recurring Invoices

Having a regular flow of monthly income can be helpful, especially in certain seasons where...

Best Invoice App for Freelancers

As a freelancer, the way you manage your business impacts your career. Success is not...

How to Make An Invoice

Youave set up a business and gained customers patronizing your products. And now you have...

Best Invoice App for Contractors

Getting paid for the hard work youave done feels greataespecially when you get compensated for...

What Information Should Be On A Standard Invoice?

While invoicing may not be the most exciting part of a business, itas crucial to...

How Do I Charge Taxes Using the Invoice Generator?

Charging taxes using invoice generator is easy and simple with Sparks Invoice Maker. We built...

Invoice on the Go: Top 5 Reasons to Use an App

If youare a brick-and-mortar retailer, eCommerce owner, or freelancer, you probably have noticed how todayas...

Top 10 Reasons Spark Is the Best Free Invoice Generator

Invoice generators are power tools when it comes to managing your business. Thanks to them,...

Why You Need An Invoice Generator & Invoice Maker for Small Business

Invoices are crucial for entrepreneurs to get paid for the goods or services they offer....

How to Refinance a Reverse Mortgage: The Ultimate Guide

The process of refinancing a reverse mortgage is similar to that of traditional refinance. There are standard eligibility criteria set by mortgage lenders and certain steps to be followed.  In most cases, it helps stabilize the financial situation. However, it has consequences as well. So, understanding the basics of refinancing your Texas reverse mortgage loan […]

The post How to Refinance a Reverse Mortgage: The Ultimate Guide appeared first on Lonestar Financing.


The Underwriting Process: Everything You Need to Know

Do you know that 65% of homeowners in the US have a Mortgage?  Are you planning to take out a home loan in Texas? Many mortgage lenders can help you get approved for a loan. However, one thing sets a lender apart from the rest- underwriting approval. Before applying for a mortgage, you need to […]

The post The Underwriting Process: Everything You Need to Know appeared first on Lonestar Financing.


How Much Money Will You Need to Purchase a Home in 2022?

Are you wondering how much money youall need to come up with in order to buy your dream home? Well, weave come up with the ultimate guide for you! Trying to figure out how much money you’ll need to purchase a house has always been difficult for first-time buyers. But in 2022, it’s become even […]

The post How Much Money Will You Need to Purchase a Home in 2022? appeared first on Lonestar Financing.


In-House Underwriting: Top Criteria & Benefits You Must Know

Are you in the last stages of your home loan application? Now that you’ve gone through the tedious process of rate locking, appraisals, and inspections, you may be wondering what comes next, which brings us to the underwriting process. It may sound frightening at first, but it becomes much less intimidating once you understand what […]

The post In-House Underwriting: Top Criteria & Benefits You Must Know appeared first on Lonestar Financing.


Manual Underwriting Vs. Automated Underwriting: The Complete Guide

The mortgage underwriting process helps mortgage lenders determine if your financial status is solid enough to repay the home loan youare applying for. Because anyone’s financial condition can change, the underwriting process considers whether the property you want to buy is worth enough to repay the loan if the lender has to foreclose. In a […]

The post Manual Underwriting Vs. Automated Underwriting: The Complete Guide appeared first on Lonestar Financing.


VA Home Loan v/s Conventional Home Loan: Choosing the Best Loan Option

When you are planning to buy a home, the type of mortgage you choose is an important decision. But with so many options available, it can be challenging to decide which loan is right for you. Each loan product has its advantages and disadvantages, so it is imperative that you understand the differences between a […]

The post VA Home Loan v/s Conventional Home Loan: Choosing the Best Loan Option appeared first on Lonestar Financing.


Fixed & Adjustable Mortgage Rates: Everything You Need to Know

When youare considering taking out a mortgage loan, you must first determine which loan is best for you. Getting a clear understanding of different mortgage companies, types of mortgages, primarily Fixed Rate Mortgage or Adjustable Rate Mortgage, will help you plan and proceed accordingly. In addition, our experienced mortgage lenders in Texas can help you […]

The post Fixed & Adjustable Mortgage Rates: Everything You Need to Know appeared first on Lonestar Financing.


How to Find the Best Mortgage Lender

Introduction Planning to purchase your first home but are struggling to find a mortgage lender? We have you covered! Buying a new home usually requires homeowners to take out a mortgage loan. Getting a great deal on your mortgage can be very beneficial to you and your family. You may want to find the lowest […]

The post How to Find the Best Mortgage Lender appeared first on Lonestar Financing.


Texas Mortgage Refinancing See Uptick

The Federal Housing Finance Agency eliminated something called the “Adverse Market Refinance Fee,” a huge incentive for  homeowners looking to refinance their mortgage. The refinancing fee was rolled out in December as a way to pay for some of the COVID mortgage relief.  How it worked was, the agency calculated the fee by taking 0.5% of a […]

The post Texas Mortgage Refinancing See Uptick appeared first on Lonestar Financing.


Will you need an appraisal?

Last November, the Federal Deposit Insurance Corp., the Office of the Comptroller of the Currency, and the Board of Governors of the Federal Reserve released a proposal that would increase the appraisal requirement for home sales from $250,000 to $400,000, meaning that certain home purchases of $400,000 and less would no longer require an appraisal […]

The post Will you need an appraisal? appeared first on Lonestar Financing.


How SiteGenesis is Killing your Business?

Do you remember the last time you upgraded your phone? Most daily use items in our lives need periodic refreshes or an all-out replacement on a regular basis. Your eCommerce website is no different. In the quickly evolving world of online selling, thousands of eCommerce sites are surprisingly still using SiteGenesis, a reference architecture created in 2009 by Demandware (an eCommerce company acquired by Salesforce in 2016, now known as Salesforce Commerce Cloud). You rarely see a first-generation iPhone anymore, and we believe your eCommerce site should be the same. This blog will cover why still being on SiteGenesis is a problem for your business and your customers.

To understand why relying on SiteGenesis is a problem, we must cover its history briefly. Like any other technology, it has gone through iterations; SiteGenesis 1.0 was developed for desktop storefronts in 2009 by Demandware. When 2.0 was created five years after the initial version, it introduced a responsive web application that included some basic tablet and mobile support to keep up with the times. After Salesforce had acquired Demandware, they released Mobile-First Reference Architecture (MFRA) as the next solution.

While this significantly changed the storefront architecture to better support mobile, the the reference architecture code for eCommerce was still intact. Finally, Salesforce Reference Architecture (SFRA) was released in 2018 as an alternative to SiteGenesis to catch up with the rest of the industry's progress.

So, what's the big deal? Didn't everyone make the upgrade? No. While the upgrade from SiteGenesis to SFRA isnat on the same level as a total replatform, it still requires significant time and effort to make the switch. Weare talking months and maybe even years if you have multiple brands and hundreds of geographies. The reality is, 60% of original SiteGenesis users are still stuck using this old technology. Keep reading to understand top challenges for brands using SiteGenesis.

Poor Support For Mobile Experiences

In 2015, mobile internet traffic overtook desktop traffic. Similarly, eCommerce transactions are increasingly on mobile devices. Statista predicts that 44% of all eCommerce will be mobile by 2025. So much so that most modern storefronts are 'mobile-first' designs to cater to the expectations of today's customers. Despite the updates, SiteGenesis still lacks native support for mobiles and tablets, making a mobile-first approach impossible to achieve.

With heavy customization work, SiteGenesis developers can deliver an operational mobile storefront. However, even these clever hacks have their drawbacks. With mobile visitors abandoning sites that take longer than 4s to load, attempting to improve their conversion rates is a losing battle. Losing out on mobile sales could cost your brand dearly with dollars left on the table.

 

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The Glass Ceiling of Poor Page Performance

The slow load times are one of the consequences of an old architecture that wasn't created with today's performance standards in mind. With a monolithic architecture, performance improvements are limited compared to a more modern componentized architecture built with scalability and speed in mind. Since a monolithic codebase is so tightly woven together and inter-reliant, developers can spend many hours shaving off milliseconds.

Still, it's unlikely to achieve site speeds in line with customer expectations without a modern architecture. Slow pages provide poor customer experiences and affect your brand's ability to succeed. In fact, with every second a page loads faster, conversions increase by an estimated 3-5%. To learn more about how site speed affects your store, check out our blog here.

No Code Extensions Cost Potential Revenue

Since the SiteGenesis architecture was created in 2009, there wasn't a need at the time to consider scalability or code extensions to support unique experiences, let alone a modern componentized architecture. Instead, developers need to clone templates and add code for new functionality like a shop the look experience to make any updates or add functionality. Duplicating code in a monolithic architecture has implications for site performance since every functionality in the codebase is heavily tied together (tightly coupled).

That also means that any updates that are made to an eCommerce store are slower to stand up since they need to be extensively tested with the entire system after a lengthy development process.

As a result, any innovation like adding a mobile self-checkout becomes extremely difficult and risky on SiteGenesis. Continuous improvement/ development, therefore, isn't a viable option on SiteGenesis. Trying to keep up with modern features like Buy Online Pick up In-Store (BOPIS) or adding a new payment gateway to cater to customers' demands becomes impossible.

Cost Implication of an Antiquated Architecture

On top of the inherent drawbacks of working with SiteGenesis to keep up with modern commerce needs, the cost of doing so is also significantly higher than modern architecture alternatives, like MACH. With longer development timelines and extensive testing, more resources must be attributed to any project. Which always means higher costs.

Overall resource hours aside, as proprietary software, SiteGenesis also requires brands still using it to find developers with increasingly rare and specialized skill sets. Typically, these developer resources are also more expensive to hire and drive the Total Cost of Ownership even higher. To learn more about TCO and how you can reduce yours, check out our guide here.

Are You Experiencing These Challenges?

So how do you get your SiteGenesis store past all these problems? Salesforce encourages customers on SiteGenesis to transition over to their newer SFRA. While SFRA does overcome significant issues with SiteGenesis, it still requires a large project to make the switch. And, once you do, you are still using monolithic architecture instead of MACH-based technology that supports a Composable Commerce approach.

If youare ready to upgrade SiteGenesis, wead suggest you consider looking at alternatives to Salesforce. At Elastic Path we offer a complete migration package from legacy Salesforce to our modern, MACH-based Elastic Path Commerce Cloud product. Check out our Salesforce Migration Guide to learn more.


4a- Ways Youra- eCommercea- Checkout a-Isa- Hurting Youra- Business

Does your checkout need a checkup? For nearly all eCommerce businesses, the answer is an emphatic yes, according to Elastic Path partner, Stripe. In a recent study that surveyed leading B2B and B2B eCommerce sites and customers, Stripe discovered that 96% of sites in North America, as well as 95% in Asia-Pacific and 94% in Europe, had at least five basic errors in their checkouts. The problem not only spans regions but also organizations of all sizes, from startups to large, established eCommerce sites with teams focused on increasing conversions.

You might be wondering whatas so bad about a few minor checkout hiccups. It all comes down to friction. The longer and more complicated the checkout process, the more likely that customers will get frustrated and give up: 19%, or nearly 1 in 5, of the eCommerce customers in Stripeas study said theyad abandon a transaction if checking out took more than a minute. The numbers were even higher in Europe and Asia-Pacific, where 21% and 34% indicated they wouldnat stay. Even if customers manage to complete the purchase, they could end up leaving with a negative impression of your company which can negatively impact repeat purchases.

With all this in mind, itas clear that optimizing your checkout is critical to your eCommerce siteas growth and success. It can be a big task, but the sooner you start, the sooner youall reap the benefits. Just follow these steps.

Step 1: Identify Trouble Spots

Even small snags in the checkout process can have a big impact on customer frustration. Stripeas research found that the most common errors fall into four main categories:

 

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1. Checkout Form Design Minor optimizations such as address auto-complete, descriptive error messaging (i.e., alerting customers when they try to use invalid cards), and credit-card number formatting can speed the checkout process along and increase conversions. But Stripe found that nearly half of top businesses made at least three mistakes in this area, including 51% that didnat support auto-complete and 36% that didnat format numbers in blocks of four. 77% also did not offer an option to save payment information for future purchases, creating an obstacle to repeat business. 2. Mobile Optimization With 50% of customers doing most of their shopping from a mobile device, and more than 50% of all eCommerce traffic coming from smartphones, itas clear that mobile eCommerce is here to stay. However, shoppers abandon carts on mobile devices at more than twice the rate of desktop, often because of mobile-unfriendly practices that make checkout difficult. These include not supporting mobile wallets such as Apple Pay (76% of North American businesses surveyed) and Google Pay (88% of North American businesses surveyed), and not having a responsive form that automatically resizes for a mobile deviceas smaller screen. 3. Localization As eCommerce grows globallyait reached $26.7 trillion in 2021amore and more companies are finding they need to support purchases from international customers. This is where localization becomes important. A full 40% of customers outside the US and Canada prefer to pay with a method other than a credit card, such as a digital wallet or bank transfer, and expect sites to offer them the option to do so.

In a separate study, Stripe found that businesses enabling popular European payment methods saw a 40% increase in incremental sales. In addition, buy now, pay later methods such as Klarna and Afterpay not only appeal to international customers in Europe, the UK, Australia, and New Zealand but can help boost sales in the US and Canada by offering the ability to pay in installments.

4. Buyer Trust and Security Security during checkout is a delicate balance. Customers want a secure payment experience, but some security measures add time and friction to the process. One of the ways eCommerce websites can help alleviate the problem is by enabling customers to check out as guests, without collecting or storing their personal information. Another option is to allow customers to log in through their social media accounts, which keeps their information on a site they already trust. However, Stripe found that 18% of sites surveyed didnat allow guest checkout, and 90% didnat allow customers to check out by connecting to a social media profileaboth missed opportunities to build trust.

Step 2: Optimize and Correct

To optimize your checkout, youall first need to do an audit of your current process. To learn more, read the latest research from Edgar, Dunn & Company, commissioned by Stripe: The State of North American Checkouts in 2021. It covers in-depth detail about the five most common problem areas, including best practices and tips on what to look for. Once youave figured out where any issues lie, you can correct them, starting with the ones that are easiest to implement and will remove the greatest amount of friction.


eCommerce Landscape 2022 a-

Weave put together sixteen quadrants of top eCommerce vendors in these categories: eCommerce platforms, Search, Payment, Loyalty/Rewards, CMS, CRM, PIM, Conversational Commerce/Chatbots, ERP, Email Marketing, Social Media, System Integrators, Tax, Analytics, & OMS.a-a- a-

Whatas Driving Innovation?a-a-

  • Using AI to cross and upsell, and visualize purchases (virtual dressing/show rooms)
  • Subscription models
  • Buying behavior influenced by a strong sustainability practice
  • Multichannel customer support
  • Personalized marketing
  • Growing B2B segment with enabled automation
  • Growing D2C segment

How to Stay Competitive:a-

  • If you sell everything, youall end up selling nothing. Carve out your niche by knowing your customer. Successful brands create demand for their products by speaking to customers shared beliefs, lifestyles, and goals
  • Map the customeras buying journey from end-to-end with specific touchpoints
  • Monitor customer data and respond to it with testing and engagement
  • Optimize the experience for all devices

Barriers to Entry:a-

  • Taxing
  • Customs
  • Cybercrime, security issues
  • Intellectual property issues

Why Do People Shop Online?a-a-

  • Convenience
  • Safety
  • Faster/zero shipping
  • Broader access to brands
  • Reviews
  • Better pricing

With So Many Pros to the Online Shopping Experience, What is a Major Drawback?a-a-

Not being able to touch, feel, or try a product prior to purchase (51%) followed by possible breakage, no physical store experience, no interaction, fraud, and delivery issues.

Source: 50 Consumers Online Shopping Behavior Trends [Survey] 2022 (brizfeel.com) a-

With the experience of online shopping driving its popularity and growth, brands must optimize the journey every step of the way. By removing friction points (simplified checkout, diverse payment options, quick loading pages, advanced search, mobile optimization), the path to purchase is easy. Leveraging loyalty programs, AI-powered technology to predict behavior, and merchandising options are crucial tools to conversion and retention.a-a-

How Are Customers Finding Brands?a-a-

In the initial brand awareness period, retail websites and physical stores (see showrooming), influence a customeras first pass at a product; however when the buying journey heats up it shifts to more word-of-mouth (product reviews) and social media (social proof) impacts.a-a-a-

What Are People Buying Online?a-a-

It may not be surprising to find that electronics and tech top the list for the most popular items purchased online, however, with a saturated market, niche items have emerged in popularity such as shapewear, travel accessories, and health and beauty products.a-a-

Source: 50 Top Trending Products To Sell Online in 2022 for High Profits (cloudways.com)a-

 

See How Elastic Path Delivers Unique Customer Experiences

The Elastic Path Demo Library features multiple demos that showcase the power and scale of our products.

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eCommerce Platforms:

Adobe Commerce Cloud (Magento)a-

BigCommercea-

Commercetoolsa-a-

Ecwida-

Elastic Patha-a-a-

Fabrica-a-

Intershopa-

Kiboa-

Optimizelya-a-

Oraclea-

Salesforce Commerce Clouda-a-

SAP Commerce Clouda-

Shopifya-a-

VTEXa-

Wixa-a-

WooCommercea-

Search:

AddSearcha-

Algoliaa-

Amazon CloudSearcha-

Apache SOLRa-

Attracta-

Azure Cognitivea-a-

Bloomreacha-

Cludoa-

Commvaulta-

Constructora-

Coveoa-

Elasticsearcha-

FACT-Findera-

Funnelback a-

Google Clouda-

Handshake by Perficienta-a-

Hawksearcha-

Inbentaa-

Klevua-

LucidWorksa-

Prefixboxa-

Sajaria-

SearchSpringa-

Sinequaa-

SiteSearch360a-

Swiftypea-a-

Yexta-a-

Payments:

Adyena-

Affirma-a-

Afterpaya-

Atomea-a-

Authorize.neta-

Blackcarta-

BlueSnapa-a-

Bolta-a-

Braintreea-a-

Breada-a-

CardConnecta-

Catcha-a-

Checkout.coma-a-

Citcona-

Clickatella-

Computopa-a-

Cybersourcea-a-

Dalenysa-

Digital Rivera-

Epama-a-

ESWa-

Fat Zebraa-a-

Flagshipa-

Flowa-a-

HiPaya-

Humma-

Jifitia-a-

Katapulta-a-

Latitude Paya-

Limepaya-a-

LMSa-

Mercado Pagoa-a-

Norbra-a-

Novalneta-a-

Nuveia-a-

Openpaya-a-

Paidya-a-

Payment Clouda-

Payment Depota-

PayPala-

Payvisiona-a-

Penniesa-a-

Progressive Leasinga-

ProMerchanta-

Ravelina-a-

SeQuraa-a-

Sezzlea-

Solupaya-

Splitita-a-

Squarea-a-

Staxa-a-

Stripea-

Till Paymentsa-

Vynea-a-

Worldpaya-

Worldplaya-

Zipa-a-

Loyalty/Rewards:

Annex Clouda-

Antavoa-a-

Captain Upa-

Clutcha-

Clydea-

Cravera-

Datacandya-

Eagle Eyea-

Epsilona-

Five Starsa-

Giftbita-a-

Hashtag Loyaltya-

Highstreeta-

Influitivea-

Kangarooa-a-

LoopyLoyaltya-

Loyalty +a-

Maxxinga-

Narvara-a-

Open Loyaltya-a-

Plazaha-

Poqa-

Preferred Patron Loyaltya-

Punchha-

Qualtrics CustomerXMa-

SailPlaya-

Salesforce Experience Clouda-

Smilea-

Talon. Onea-

TapMangoa-

Unboxinga-

White Label Loyaltya-a-

Yotpoa-a-

Zinreloa-

CMS: a-

Acquiaa-

Airtablea-

Akeneoa-a-

Ampliencea-a-

BlogLINKa-a-

Bloomreacha-a-

Brand Makera-

Cloudinarya-a-

Contentfula-a-

Contentserva-a-

Contentstacka-a-

Core Mediaa-a-

Creatora-a-

e-Spirita-a-

Falcona-

Imgixa-

Issuua-

Kaljabia-

Kenticoa-a-

Klevua-a-

Live Storya-a-

Magnoliaa-

Market Pagea-a-

Mercauxa-a-

Pacenotesa-a-

Paperflitea-a-

Royal Cybera-a-

RWSa-

Salesforce Marketing Clouda-

Sprinklra-

Threekita-a-

Subscriptions:

ChargeBeea-

Chargifya-

Order Groovea-

Recurlya-a-

Stax Billinga-a-

Stripea-a-

Stripe Billinga-a-

Zohoa-a-

Zuora RegPacka- a-

PIM:

Akeneoa-

BetterCommercea-

Brand quada-

Catalog Buildera-a-

Catsya-

Contentserva-a-

Creative Forcea-

inRivera-a-

Kontainera-

PIMworksa-

Plytixa-

Quablea-a-

Riversanda-

Sales Layera-

Salsifya-a-

Syndigoa-

Talkroota-

Conversational Commerce/Chatbots:

Adaa-

Amazon Lexa-

Automata-

Botsifya-

Chatfuela-

Dialogflowa-

Drifta-a-

Flow XOa-

IBM Watsona-a-

ManyChata-

Microsoft Bota-

Mobile Monkeya-a-

Octanea-

Pandora Botsa-

ERP:a-

Acumaticaa-a-

Brightpearla-a-

Delteka-

Epicora-

Infora-a-

Microsoft Dynamicsa-

Odooa-

Oracle NetSuitea-

Plexa-

QADa-

SAP Business Onea-

Sysproa-

Workdaya-

Email Marketing:

Acoustica-

Adobea-

AWebera-a-

Bluecorea-

Brazea-

Campaign Monitora-

Campaignera-

Constant Contacta-

Dripa-a-

Emarsysa-

Epsilona-

GetResponsea-a-

Hubspota-

Kajabia-

Klavioa-a-

Klaviyoa-a-

Listraka-

Nutshella-a-

Omnisenda-

Salesforce Marketing Clouda-a-

SendGrida-

Sendinbluea-a-

Sendlane a-

ActiveCampaigna-a-

Zetaa-a-

Social Media: a-

Cloud Campaigna-

Conversational Clouda-

eClinchera-a-

Falcona-a-

Hootsuitea-

Marketing 360a-

Monday.coma-

Oktoposta-

Salesforce Marketing Clouda-

SOCia-

Sprout Sociala-

System Integrators:

Accenturea-

BORN Groupa-

Bounteous

Deloitte Digital

DigiCommerce

MyPlanet

Nortal

Sutrix Group

Tata Consultancy Services (TCS)a-

CNetric

HCL

TA Digital (Formerly TechAspect)

Publicis Sapient a-

Slalom Consulting

Apply digital

Sirius Computer Solutions

EY Consulting

Reign

New Elevation

AKQA

Ateles

GSPANN

Cognizant

CORRA

ELCA

EPAM

Gorilla

Hycome

Infosys

MMT

Momentum (onX)

Object Edge

Pictime

Perficient

Pivotree

Prokarma

PwC

Rackspace

Reply

Wunderman

Softek

Tech Mahindra

ThoughtWorks

XumaK

Les Fabricans

Envoy

McKenna Consultants

Great

Spinup

TMX

Pyxis

ATNA Technologies

Bluink

DB Consulting

IAP Japan

MicroMind

Pjili

Wattpad

OMS:a-

ACommercea-

Aptosa-

Aspirea-a-

Blackcarta-a-

Brightpearla-

CEDCommercea-

CloudSensea-

Deck Commercea-a-

EnVistaa-a-

FastOMSa-

Feedonomicsa-a-

FluentCommercea-a-

Fujitsua-a-

Fusion Factorya-

Highstreet.ioa-a-

Idyaflowa-a-

Jmangoa-a-

Litmus7a-

Logic Brokera-a-

Marketplacera-a-

Mirakla-a-

One Stocka-

Ordergrovea-a-

Orderhivea-a-

Publicis Sapienta-

Quickbooks Commercea-

Salesordera-

Ship Stationa-a-

Skubanaa-a-

Sticky.ioa-

Storda-a-

Subscribe Proa-

Tecsysa-a-

Veeqoa-a-

Visioneta-

Yuansfera-a-

Zohoa-a-

Analytics:a-a-

Botifya-

Clickya-

Data Domea-a-

Dynamic Actiona-a-

Fathom Analyticsa-

Fenix Commercea-a-

Gaugesa-

Get Feedbacka-

Google

GoSquareda-

Heapa-

Hitstepsa-

Idea Tarmaca-

Kissmetricsa-

Matomoa-

Minuboa-a-

Namogooa-

Netaceaa-a-

Perimetera-a-

Piwik PROa-a-

Plausiblea-a-

Precognitivea-

Queue-ita-a-

Radwarea-

Refersiona-

Simple Analyticsa-

StatCountera-

Treasure Dataa-a-

Woopraa-

Tax:a-a-

Avalaraa- a-

CCH Sure Taxa-a- a-

Digital Rivera-a- a-

Global-ea-a- a-

TaxJara- a-

Vertexa-

Thomson Reuters Onesourcea-a-

Taxifya-a-

Sovosa-


Three Steps to Evaluating Your Strategic Roadmap for D2C Adoption

Post-pandemic, brands have a surmounting pressure to re-evaluate their channel and sales strategies as direct-to-consumer (D2C) channel adoption increases, and the need for a nurturing customer experience is in demand. In tandem, brands are offered conflicting advice from channel partners, recommending staying away from D2C adoption. To guide brands, Gartner has created a strategic roadmap to support companies in making the right strategic decisions and technology investments to increase brand adoption, revenue, and future-proof their digital commerce vision. In this blog we break it down into three steps:

Step One: Your Current State

The pandemic forced brands to re-think their go-to-market strategy. Due to the shift in shopping behaviors over the past few years, the consumer-packaged goods (CPG) and branded manufacturer industries were the early adopters. However, D2C can be implemented across industries, from healthcare and medical devices to automotive and more. Reasons for holding off on adopting a D2C channel include the following:

  • Mounting pressure from channel partners to stay away from D2C due to the presumed fear of cannibalizing the partnership
  • Lack of company structure to support individual transactions and everything that comes with it (i.e., packaging, managing shipping and returns, customer support)
  • Lack of an eCommerce presence - brands may only have content-based sites with the inability to support a transaction

Whatever the reason, brands that fail to embrace D2C may fail to see future growth in monetary terms, brand awareness, customer adoption, and brand loyalty, to name a few.

Step Two: Plan for Your Future State

Gartner believes that the future of digital commerce will include a mix of strategies and technologies that many companies may already have today. Gartner also believes that having an eCommerce strategy and indirect channels like a marketplace are not mutually exclusive. Building a multi-channel strategy can increase customer adoption by going where your customers are across channels. Doing this will drive customer loyalty and in turn increase geo-expansion and revenue.

In the not-too-distant future, weall see an increase in D2C sites where customers will have a variety of products available to them, often with the ability to create a subscription. The subscription offering will be unique to a brand's site, as this feature is not typically available through indirect channels. The benefit of incorporating subscriptions include recurring revenue and indirect customer loyalty.

When adopting a multi-channel strategy, Gartner recommends diversifying your SKUs across channels to create curated experiences versus offering all products in one channel. For example, you may feature an entire product line of pillow covers on your site but offer a limited-edition line of pillow covers on a 3rd party marketplace to create a sense of exclusivity and customization for that audience.

Interested in Learning More About Managing SKUs?

Managing a large amount of SKU variations can become complex, learn how you can manage unlimited catalogs across channels 5x faster, with Catalog Composer.

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Creating a multi-channel strategy will also open a world of ever-expanding data sets from products to customers and customer ordering preferences. Merging data from different channels will enable brands to create multidimensional strategies to further optimize their digital commerce vision. Gartner notes that in a future optimized state, companies will leverage from data sources such as:

  • Web analytics from direct digital commerce sites
  • Point-of-sale (POS) data from owned retail stores
  • Digital shelf analytics from online marketplaces, retailers, and social channels
  • Rating and review data from direct and indirect channels
  • Data and analytics from order management and fulfillment systems

Step Three: Creating a Migration Plan

Migrating from your current state to your future state will depend on your companyas digital maturity. As a starting point evaluate the following:

  • The technology you have in-place
  • What technology do you need to get to a future state?
  • The size of your company and the number of brands and products that will be incorporated into the plan
  • Strategize how you will sort your products across channels

To learn more and leverage next-step recommendations from Gartner download the report here.


Digital Merchandising Best Practices

No argument that eCommerce sales skyrocketed in the last two years, as the world turned to mobile devices to buy everything from a weekas worth of groceries to a new couch for the family room. But even as the world opens up post-pandemically, eCommerce retail sales maintain the top spot on the leaderboard. Projections point to upwards of $7 trillion in sales by 2024.

Whatas happened to merchandising as weave made the shift from brick-and-mortar to a virtual store and cart? Plenty. How do you translate an in-store experience into an engaging digital one that leads a shopper to Buy Now sight unseen? Letas dive into the world of eCommerce merchandising and find out how retailers create a path to purchase from the physical to the digital experience.

What is Digital Merchandising?

Also known as eCommerce or online merchandising, digital merchandising is the practice of marketing goods in the digital space. Just as you map product placement and displays in-store with branding considerations to draw the customer over, the same actions happen in a virtual store to entice the shopper from their chosen device. Product merchandising is about having the right assortment, and showcasing it at the right time to the right customer. You are essentially creating content; and given the 2024 online sales projections retailers canat afford to sit this one out.

Make a Plan & Get Campaigning

You may have a number of goals for your business; youave targeted a specific sales growth percentage or doubling down on the number of promotions per month, or youad like to grow your loyalty program for top spenders. Whatever the case may be, once youave set the goals itas now time for strategizing. Youave stated the what - now you need to flesh out the how.

Personalization: Itas a New Day for Data Collection

When it comes to eCommerce merchandising campaigns itas ok to get personal. In fact, itas mission critical. With the death of third-party cookies, retail marketers are forced to revisit how they collect data and lean in on first or zero-party solutions to power personalized shopper experiences. Research shows todayas shoppers care how you get their data and what you do with it.

aSeventy percent of consumers like personalization, as long as brands are using data theyave shared directly.a

Source: Twilio

A Common Personalization Trap: The Creep Factor

There are many schools of thought on how much personalization is too much. I think we can all agree that ultimately personalization should best serve the customer and fulfill a need. Stepping outside the boundaries and creating an inaccurate assumption defeats the purpose of winning trust.

For example, Iam a pet owner. I often browse and shop online for pet food and supplies and have tried the numerous subscription services based on this category But that also means over the years Iave had to inevitably say goodbye to pets. Here is a snapshot of the types of personalization I could experience based on the data capture:

Zero Party: The cat food you liked in our poll is now BOGO

First Party: The pet carrier you browsed last month is on clearance

Second Party: Congrats on the kitten! Need pet insurance?

Third Party: Itas hard to lose a furry friend. Next time, check out our pet caskets and internment services

Youall notice as we progress through each scenario, the degree of personalization falls a bit further into the off-putting range. What you ideally want to do is solve a problem or create a convenience; not push the limits of knowing too much.

aPersonalization can mean a lot of things, so itas important to understand what a marketer thinks it is and how itas creepy. This can often clear up initial concerns. Then for us, the guiding personalization principle is to figure out if and how it adds value to the end usera|a

Source: Paul Munkholm, Kettle

Interested in Learning More About eCommerce Merchandising?

Discover 10 areas to optimize your eCommerce merchandising strategy for your business and more with our playbook.

Go to Playbook

Ecommerce Merchandising Trends and Tips to Consider

Many of todayas digital merchandising tips and trends are based in AR/VR technology, embraced in greater numbers by Gen X and Millennial groups. A few examples of these tactics include:

  • Virtual dressing or try-on rooms allowing shoppers to try clothing or makeup swatches from any device, wherever they are, before purchase
  • aSee it in your rooma capabilities for furniture or dA(c)cor accessories to replicate digitally what the item will look like in a shopperas home or space (a useful deterrent from returns)
  • Social networks like Pinterest and Instagram have leveraged this technology in their algorithms. Studying how they strategize and leverage it in the path to purchase in-app can be useful if youare looking to see more AR/VR in play
  • Implement 360 plug ins and enable virtual product tours across devices

It really depends on your product assortment and what youare able to invest in as far as technology a you need to assess what works best for your business. Bear in mind how critical it is for shoppers to get the same level of comfort and confidence they do from an in-store experience and a face-to-face conversation with a retailer - having a unique experience is key to engaging (and keeping) todayas shopper.

Product Merchandising

Product merchandising is key to all types of channels. And what eCommerce has shown us is the complexity around merchandising. In todayas eCommerce landscape retailers have multiple digital storefronts, complex pricing needs to reflect flash or scheduled sales, loyalty pricing, or bundling models.

A Rapidly Changing Landscape

Ecommerce changes rapidly so itas important to be on top of whatas trending in digital merchandising technology and how that affects your customer. The in-store experience is not going away; instead the merging of the physical and virtual is now the combined commerce narrative. Operating and streamlining the experience in both worlds is becoming the norm.

Above all a make it easy, friction-less, predictive, and personalized (appropriately), from discovery to purchase. Answer questions for your customers before they even know they had them. Build trust and confidence from the first time they click on your site or app. Make shopping with you an unforgettable experience they simply canat do without.


eCommerce Platform TCO Comparison: BigCommerce, Adobe Commerce (Magento), Commercetools, Shopify & Elastic Path

This post was originally published on June 30, 2019 and has been updated for relevancy.

When itas time to choose an eCommerce platform, everyone wants to know which solution will be the best one for their business. But more often than not, the next question is aHow much does it cost?a Ideally, we all want the best bang for our buck, but itas easy to get distracted by the displayed pricing on a website, or the lack thereof. Sometimes we end up jumping for a cheaper priced solution and shying away from those vendors that donat display their pricing on the website, because we think itall be too costly. Only to find out, your acheapera solution is more expensive, because you were unaware of all of the additional cost you would incur.

At Elastic Path, we happen to be one of the vendors without upfront pricing because our pricing is truly customized to a businessa needs. However, to help you understand how your Total Cost of Ownership (TCO) would compare to other vendors on the market, we will outline all the factors that you should be taking into consideration when evaluating your eCommerce solution. Weall also make reference to some of the top eCommerce vendors on the market such as Salesforce Commerce Cloud, BigCommerce, Adobe Commerce (Magento), and Commercetools to give you a better idea of where Elastic Path is positioned in comparison.

To get a true understanding of your total cost of ownership, and you will need to take into account both your first-year costs as well as your future costs. These costs include but arenat limited to:

  • Base software fee / Licensing fee
  • Implementation cost
  • Third party integrations cost
  • Cost of changes

In this article, we will first dissect each category of cost you should be considering followed by a breakdown of the total cost you can expect over a typical contract period for the aforementioned vendors.

Base Software Fee/ Licensing Fee

The base software fee or licensing fee is what we like to refer to as the aupfronta pricing. These fees tend to reflect either monthly or yearly licensing fees, which can be: Tier based, continuous revenue based or percent of sales based.

Tier-based means that there is a predefined price that your company will get locked into based on your current and expected revenue. Elastic Path and Commercetools are examples of microservices-based vendors that do tier pricing by revenue. The Elastic Path model is based on your transaction volume, which can be structured by Gross Merchandise Volume (GMV) or by the number of orders processed (used more regularly for B2B companies).

For example, our pricing starts at $50,000 for companies who are just getting started and have revenue under $10 Million. Our pricing strategy allows you to plan your estimated growth over the next three years, lock in pricing, and allow you to plan for your spend in the future. This promises guaranteed pricing and clarity year over year so you can make plans for the future, not to mention the economies of scale driving the unit costs down as your revenues grow.

By continuous revenue, we mean the strategy by which vendors price their customers based on the revenue tier that theyare in, but automatically bump them up to the next pricing tier as soon as they go over. Weave seen vendors such as Shopify, BigCommerce, and Adobe Commerce (Magento) use this type of strategy.

By percent of sales-based pricing, we mean the strategy by which vendors take a small percentage of your Gross Merchandise Volume. Salesforce Commerce is an example of a vendor that uses this type of model. For example, Salesforce Commerce Cloud takes 1-2% of your GMV annually. So, at $10 Million in revenue, you can expect to pay around $100K to $200K. This type of model can be quite attractive because thereas no immediate upfront cost and it scales based on how your business performs.

However, there is also an additional annual fee of $150K that is mandatory to begin. This is a great example of hidden costs that you may not be aware of upfront. Generally, you can expect to pay a lower premium with modern Composable Commerce solutions than with an all-in-one solution like Salesforce Commerce Cloud. Check out our TCO guide to learn more.

The last component of the base cost is the hosting costs. With most modern cloud-based solutions, the hosting cost will also be tier-based on volume. Hosting costs are evenly comparable across most modern cloud-based eCommerce solutions.

Implementation Cost

Implementation costs are usually the most feared by businesses as it is perceived as the highest costs they will incur. These will usually be dependent on the cost of your developer and the time it takes to build the frontend and backend of your system. However, if youare in the market for an out-of-the-box solution, the majority of your cost will be dependent on the changes and customizations you will need to alter your pre-built solution. For brands with a unique brand vision and requirements, there will most likely always be customizations needed, and therefore, we recommend working with an agency or systems integrator. Here are a few of the tasks you can expect an agency to complete, that will determine your implementation costs:

  • Frontend development
  • Backend development
  • UI/UX design
  • Software systems integrations
  • Omnichannel design

Increasingly, we see customers looking to adopt a modern Composable Commerce approach use a progressive replatforming approach. This essentially means replacing your existing commerce solution (usually an all-in-one legacy solution) piece by piece. The benefits are two-fold: first, you can replace the component that is causing significant pain in your current solution quicker than a full-scale replatform. Catalog management, or easily customizable cart/ checkout capabilities are common first steps. The second benefit is on the cost front, where the development and customization costs are lower than a complete replatform can be evenly spread across the progressive replatforming process.

For a more detailed break-down of implementation costs, check out our blog post.

Third Party Cost

Third party costs are a little bit more intricate. When we think about this cost, we think about either plugins that are supplied by your platform as an application, or API integrations from third party vendors. The purpose of these integrations are to essentially extend your existing platform with other functionality. Some of the core third-party integrations include: content infrastructure, search engines, sales tax management, product information management (PIM), and shipping solutions. These costs will differ from vendor to vendor depending on if you leverage the third party as a plugin to your out-of-the-box solution, or buy a specific vendor solution for your Composable Commerce solution.

This can be a significant factor for brands that are looking to tailor their commerce solution to their needs with a Composable Commerce approach. They will not need to pay for components they do not use or need compared to an all-in-one solution. In some cases, brands that are already on an all-in-one solution like Salesforce will also add on higher performing third-party solutions to replace the out-of-the-box offering. Search is a good example of this, where brands will choose to implement a leading AI-driven search solution but ending up having to pay for both the third-party solution and the unused native solution from their monolithic provider.

Cost of Changes

One of the most important costs that are often neglected or forgotten are the costs associated with making changes to your solution. Most times we tend to plan and make decisions for anow,a but when the time comes and you are faced with costly changes that you werenat prepared for, it can be very detrimental to your fiscal budget planning. In addition, if youare the type of brand that wants to keep up with the ever-changing times, updates and changes are inevitable and therefore it is imperative you understand what those costs will look like in the future. Typical changes you will need to prepare for include:

  • Upgrades to your commerce software
  • Maintenance of your system
  • Upgrades or changes to your third-party technology partners
  • Changes in the backend functionality to fit your business requirements
  • Addition of new user experiences to keep up with customer expectations

These changes can become costly very quickly with traditional legacy platforms, as their rigid structure makes changes more difficult, thus driving up developer costs. Composable Commerce solutions on the other hand are more flexible by nature and therefore will end up lowering your overall total cost of changes in the future. As each businessa requirements will be different, we will not be able to provide an estimate of these costs across each vendor.

However, from feedback from past customers, on average, Composable Commerce solutions like Elastic Path and Commercetools, lower cost of changes by 40% when compared to rigid legacy platforms like Salesforce Commerce Cloud. Learn more about the expected cost of changes in our TCO guide.

Now that we've dissected the various cost categories, we have provided an overview of the total costs you can expect either on a monthly or annual basis for a few of the top legacy and Composable Commerce solutions on the market.

BigCommerce

BigCommerce positions itself as an eCommerce platform for high volume brands, with two main payment plans: Essentials Plan and Enterprise Plan.

BigCommerce Essentials

Plan BigCommerce Standard BigCommerce Plus BigCommerce Pro Yearly Sales $50,000 $180,000 $400,000 Monthly Pricing $29.95 $79.95 $299.95

The pricing represents their upfront license fee. At these rates, you get your average out-of-the-box store with zero customization, providing you with all the features you need to get a basic store up-and-running. Keep in mind the additional costs you may not be considering when choosing BigCommerce, they automatically bump you to the next tier if your actual sales exceed the threshold.

BigCommerce Enterprise

BigCommerce Enterprise offers all the core features, along with the addition of some premium features including unlimited API calls, price lists, and support. Their pricing widely varies based on the average order value and the average number of orders processed per month. Based on conversations from some of their sales representatives, the pricing plan ranges anywhere between $400 and $20,000 monthly.

To learn more, check out our comparison between BigCommerce and Elastic Path. 

Shopify

Shopify is the market leader for SMB customers looking for an out of the box eCommerce website. Shopify customers give up flexibility, meaning that they'll need to be comfortable running their eCommerce website according to Shopify's templates and structures - but for many companies, that is fine because they're just looking for a standard website.

Shopify has 5 primary offerings:

  • Lite starts at $9/month
  • Basic starts at $29/month
  • Standard starts at $79/month
  • Advanced starts at $299/month
  • Shopify+ starts at $2,000/month

There are also gateway fees, which range from 2.4-3% + $.30 per transaction. Similarly, they charge an extra 2% transaction free for purchases not made through Shopify Payments.

Check out our comparison page to learn more about the major differences between Shopify and Elastic Path.

Magento

Magento Community Edition positions themselves as an Open Source eCommerce platform that provides businesses with a flexible, digital commerce solution to successfully sell online. Weave already written a more detailed post on our blog that digs into Magentoas TCO. To give you a brief overview of their pricing structure, weall focus on Magentoas two main plans: Magento Open Source and Magento Enterprise.

Magento Open Source

Magentoas aFREEa Open Source plan proves to be a more customizable option when compared to BigCommerce. Be careful - the only thing free about this option is their licensing fee/download. There are few costs hidden in the background:

  • Implementation a $30,000 - $100,000+
  • Hosting a $1000+
  • Themes a $29-$499
  • Maintenance and Support a $30,000+
  • Extensions a $0 - $10,000
  • Third Party Integrations a $6,000

I know what youare thinking, those added up pretty quickly! To be upfront, the price for a more customized store than BigCommerce is going to start somewhere between $30,000 and $100,000 upwards.

Need Help Evaluating eCommerce Solutions?

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Adobe Commerce (Magento Enterprise)

Adobe Commerce (Magento Enterprise) is the premium paid version of Magento, designed for those stores that need more than the community edition offers, based on the size of their company, and the level of customization theyare looking for. However, with this option, you have to empty your pockets for a much higher licensing fee. Based on your revenue, Magento displays their upfront price between $22,000/year and $125,000/year.

Of course, this also includes access to more advanced features such as security, mobile commerce, and free professional customer support. However, in addition to including all the core features that the open source version consists of, the same features tend to come at a higher price for this plan. Some of these higher feature costs include:

  • Implementation a $60,000+
  • Hosting a $7000+
  • Themes a $29-$499
  • Magento Certified Gold Partner a  $10,000
  • Extensions a $0 - $10,000
  • Third Party Integrations a $6,000+

Overall, this comes with more customization, but still lacks complete control over your content. The price for this package starts between $100,000 and $250,000.

Overall, Magento Enterprise comes with more customization, but still lacks complete control over your content. The price for this package starts between $100,000 and $250,000 upwards! These are high costs and to make it even worse, Magentoas performance has not been up to standard either, especially when comparing site speed. You may want to consider the costs associated with their slow performing stores when considering your total cost of ownership as well.

Check out our comparison page for a detailed look at each solutionsa capabilities.

Commercetools

Commercetools is a Headless Commerce Platform. To be completely frank, there are no signs of Commercetoolsa pricing anywhere! They seem to be a bit secretive, but we have done our best to provide you with the most accurate information based on feedback from our customers, who shared what Commercetools has proposed to them. These costs include:

  • Implementation a $300,000 - $1 Million
  • License Fees a $200,000/year - $500,000/year
  • Specialized resources a $150,000/year

Click here for a more detailed look at a side-by-side comparison with Elastic Path.

Elastic Path

Elastic Path offers Composable Commerce-as-a-Service, an API-First headless commerce microservices solution. Composable Commerce is a modern approach to eCommerce that is built on the concept of composability, where core commerce functionality and partner integrations can be selected and assembled in various combinations to satisfy specific business requirements, at the speed digitally driven brands need to succeed. Composable Commerce were built on three main tenets:

  • Modular architecture
  • Open Ecosystem
  • Business Centric Solutions

And itas with these tenets that Elastic Path has been able to reduce businessa overall total cost of ownership by up to 50%.

As mentioned before, Elastic Path provides a tier-based pricing based on Gross Merchandise Revenue. Overall based on a $10 Million revenue, pricing would be around $50K for Elastic Path. Elastic Path also offers Composable Commerce Experience Assurance that de-risks the management of multi-vendor solutions by providing an expert 24x7 global support team for all issues. This cost of the feature will be 25% of your annual contract value and capped at $25,000 USD/ year.

Additional costs will include: implementation costs, hosting costs and third-party costs which will lie in the same range of costs for Magento. Where you will end up seeing the greatest cost savings are in the phases of customizations and changes. To get a better understanding of how cost of changes can be 5x lower compared to traditional legacy platforms and Composable Commerce solutions visit our Total Cost of Ownership Guide.

If you have more specific questions regarding Elastic Path costs, please refer to the pricing page here.

Summary

Understanding your total cost of ownership is not straight forward and often times we prioritize certain categories of costs and lose overall sight on our expected total cost in the future. As each vendor has different offerings, it will never be easy to compare them across the board. However, if you follow the guide of assessing each category of cost, this will give you and your team a good understanding to make an informed decision. If you have any questions, we are always happy to help - Just reach out to us.