There is a whole online fraud marketplace operating. Check out this report to find out how your 'secured' email and banking details are literally ON SALE!
The document discusses considerations for marketing products outside of Canada. It begins by introducing Sandvine and their global telecom business. It then discusses why companies should go global and important considerations like language, culture, and regulations. It recommends thinking globally but starting locally by selecting a test country and developing localized marketing plans. The document also highlights opportunities in Africa, noting it is made up of 54 countries and discussing growing industries like mobile communications, applications, banking, and education. Key markets for future growth are identified.
The survey found that the majority (53%) of companies spend 5% or less of their marketing budget on optimization activities like testing. Those spending over 25% on optimization saw conversion rates twice as high. However, testing is still not a priority for 49% of respondents and only 11% have adopted it company-wide. Budget and resources are the top barriers to testing. The report concludes companies should start small with testing and focus on optimizing customer interactions to drive conversions.
DMP offerings are expanding to provide broader insights and multi-touchpoint targeting by ingesting various data streams and pushing data to external platforms. However, many DMPs still need to improve mobile tracking and integrations with marketing systems to achieve true end-to-end audience management. Leaders have demonstrated experience delivering audience insights and seamless data ingestion and message delivery through interconnected suites of tools.
The document provides data on press freedom rankings from 2012 for 197 countries around the world. Countries were rated on a scale of 1 to 100, with 1 being the most free and 100 being the least free. The rankings show that 33.5% of countries had a free press, 36.5% had a partly free press, and 30% had a not free press. Finland, Norway, and Sweden had the highest ratings for press freedom. North Korea had the lowest rating.
Internet Impact on Global GDP - Worldwide StatisticsVaibhav Agarwal
The Internet contributes significantly to economic growth and wealth creation. It accounts for 3.4% of GDP in 13 major countries studied, and was responsible for 21% of GDP growth in mature economies over the past 5 years. The Internet creates jobs, with 2.6 jobs created for every job lost. 75% of the Internet's economic impact comes from increased productivity in traditional industries. Public and private stakeholders should focus on expanding access, boosting supply ecosystem, skills development, and data policies to fully realize the Internet's potential.
E-Mail Marketing Best Practices for your businessVaibhav Agarwal
1. Most small business owners are ineffective with email marketing because they don't understand segmentation, consistency, and building trust over time.
2. Without segmenting contact lists into relevant groups, business owners send emails to people who aren't interested, irritating recipients and reducing response rates.
3. To see real results, business owners must focus on segmentation, sending targeted messages to interested groups, and maintaining consistent, predictable contact over long periods to build trust with customers and prospects.
Internet users statistics & trends: Brazil, Russia, India, China, IndonesiaVaibhav Agarwal
Global Internet / Digital / Online users / consumers from Brazil, Russia, India, China and Indonesia including growth patterns and trends in internet and mobile growth.
Benchmark study of B2B lead management practicesVaibhav Agarwal
Benchmark study of B2B lead management practices across different industries. The study addresses lead-management trends, Provide insight to marketers about the use of single-message vs. drip campaigns, lead nurturing and marketing automation, Furnishes benchmark data—so B2B marketers can see how they compare to others
The document discusses considerations for marketing products outside of Canada. It begins by introducing Sandvine and their global telecom business. It then discusses why companies should go global and important considerations like language, culture, and regulations. It recommends thinking globally but starting locally by selecting a test country and developing localized marketing plans. The document also highlights opportunities in Africa, noting it is made up of 54 countries and discussing growing industries like mobile communications, applications, banking, and education. Key markets for future growth are identified.
The survey found that the majority (53%) of companies spend 5% or less of their marketing budget on optimization activities like testing. Those spending over 25% on optimization saw conversion rates twice as high. However, testing is still not a priority for 49% of respondents and only 11% have adopted it company-wide. Budget and resources are the top barriers to testing. The report concludes companies should start small with testing and focus on optimizing customer interactions to drive conversions.
DMP offerings are expanding to provide broader insights and multi-touchpoint targeting by ingesting various data streams and pushing data to external platforms. However, many DMPs still need to improve mobile tracking and integrations with marketing systems to achieve true end-to-end audience management. Leaders have demonstrated experience delivering audience insights and seamless data ingestion and message delivery through interconnected suites of tools.
The document provides data on press freedom rankings from 2012 for 197 countries around the world. Countries were rated on a scale of 1 to 100, with 1 being the most free and 100 being the least free. The rankings show that 33.5% of countries had a free press, 36.5% had a partly free press, and 30% had a not free press. Finland, Norway, and Sweden had the highest ratings for press freedom. North Korea had the lowest rating.
Internet Impact on Global GDP - Worldwide StatisticsVaibhav Agarwal
The Internet contributes significantly to economic growth and wealth creation. It accounts for 3.4% of GDP in 13 major countries studied, and was responsible for 21% of GDP growth in mature economies over the past 5 years. The Internet creates jobs, with 2.6 jobs created for every job lost. 75% of the Internet's economic impact comes from increased productivity in traditional industries. Public and private stakeholders should focus on expanding access, boosting supply ecosystem, skills development, and data policies to fully realize the Internet's potential.
E-Mail Marketing Best Practices for your businessVaibhav Agarwal
1. Most small business owners are ineffective with email marketing because they don't understand segmentation, consistency, and building trust over time.
2. Without segmenting contact lists into relevant groups, business owners send emails to people who aren't interested, irritating recipients and reducing response rates.
3. To see real results, business owners must focus on segmentation, sending targeted messages to interested groups, and maintaining consistent, predictable contact over long periods to build trust with customers and prospects.
Internet users statistics & trends: Brazil, Russia, India, China, IndonesiaVaibhav Agarwal
Global Internet / Digital / Online users / consumers from Brazil, Russia, India, China and Indonesia including growth patterns and trends in internet and mobile growth.
Benchmark study of B2B lead management practicesVaibhav Agarwal
Benchmark study of B2B lead management practices across different industries. The study addresses lead-management trends, Provide insight to marketers about the use of single-message vs. drip campaigns, lead nurturing and marketing automation, Furnishes benchmark data—so B2B marketers can see how they compare to others
Executive Directors Chat Leveraging AI for Diversity, Equity, and InclusionTechSoup
Let’s explore the intersection of technology and equity in the final session of our DEI series. Discover how AI tools, like ChatGPT, can be used to support and enhance your nonprofit's DEI initiatives. Participants will gain insights into practical AI applications and get tips for leveraging technology to advance their DEI goals.
Thinking of getting a dog? Be aware that breeds like Pit Bulls, Rottweilers, and German Shepherds can be loyal and dangerous. Proper training and socialization are crucial to preventing aggressive behaviors. Ensure safety by understanding their needs and always supervising interactions. Stay safe, and enjoy your furry friends!
Strategies for Effective Upskilling is a presentation by Chinwendu Peace in a Your Skill Boost Masterclass organisation by the Excellence Foundation for South Sudan on 08th and 09th June 2024 from 1 PM to 3 PM on each day.
Macroeconomics- Movie Location
This will be used as part of your Personal Professional Portfolio once graded.
Objective:
Prepare a presentation or a paper using research, basic comparative analysis, data organization and application of economic information. You will make an informed assessment of an economic climate outside of the United States to accomplish an entertainment industry objective.
Main Java[All of the Base Concepts}.docxadhitya5119
This is part 1 of my Java Learning Journey. This Contains Custom methods, classes, constructors, packages, multithreading , try- catch block, finally block and more.
How to Fix the Import Error in the Odoo 17Celine George
An import error occurs when a program fails to import a module or library, disrupting its execution. In languages like Python, this issue arises when the specified module cannot be found or accessed, hindering the program's functionality. Resolving import errors is crucial for maintaining smooth software operation and uninterrupted development processes.
Assessment and Planning in Educational technology.pptxKavitha Krishnan
In an education system, it is understood that assessment is only for the students, but on the other hand, the Assessment of teachers is also an important aspect of the education system that ensures teachers are providing high-quality instruction to students. The assessment process can be used to provide feedback and support for professional development, to inform decisions about teacher retention or promotion, or to evaluate teacher effectiveness for accountability purposes.
Introduction to AI for Nonprofits with Tapp NetworkTechSoup
Dive into the world of AI! Experts Jon Hill and Tareq Monaur will guide you through AI's role in enhancing nonprofit websites and basic marketing strategies, making it easy to understand and apply.
বাংলাদেশের অর্থনৈতিক সমীক্ষা ২০২৪ [Bangladesh Economic Review 2024 Bangla.pdf] কম্পিউটার , ট্যাব ও স্মার্ট ফোন ভার্সন সহ সম্পূর্ণ বাংলা ই-বুক বা pdf বই " সুচিপত্র ...বুকমার্ক মেনু 🔖 ও হাইপার লিংক মেনু 📝👆 যুক্ত ..
আমাদের সবার জন্য খুব খুব গুরুত্বপূর্ণ একটি বই ..বিসিএস, ব্যাংক, ইউনিভার্সিটি ভর্তি ও যে কোন প্রতিযোগিতা মূলক পরীক্ষার জন্য এর খুব ইম্পরট্যান্ট একটি বিষয় ...তাছাড়া বাংলাদেশের সাম্প্রতিক যে কোন ডাটা বা তথ্য এই বইতে পাবেন ...
তাই একজন নাগরিক হিসাবে এই তথ্য গুলো আপনার জানা প্রয়োজন ...।
বিসিএস ও ব্যাংক এর লিখিত পরীক্ষা ...+এছাড়া মাধ্যমিক ও উচ্চমাধ্যমিকের স্টুডেন্টদের জন্য অনেক কাজে আসবে ...
2024 State of Marketing Report – by HubspotMarius Sescu
https://www.hubspot.com/state-of-marketing
· Scaling relationships and proving ROI
· Social media is the place for search, sales, and service
· Authentic influencer partnerships fuel brand growth
· The strongest connections happen via call, click, chat, and camera.
· Time saved with AI leads to more creative work
· Seeking: A single source of truth
· TLDR; Get on social, try AI, and align your systems.
· More human marketing, powered by robots
ChatGPT is a revolutionary addition to the world since its introduction in 2022. A big shift in the sector of information gathering and processing happened because of this chatbot. What is the story of ChatGPT? How is the bot responding to prompts and generating contents? Swipe through these slides prepared by Expeed Software, a web development company regarding the development and technical intricacies of ChatGPT!
Executive Directors Chat Leveraging AI for Diversity, Equity, and InclusionTechSoup
Let’s explore the intersection of technology and equity in the final session of our DEI series. Discover how AI tools, like ChatGPT, can be used to support and enhance your nonprofit's DEI initiatives. Participants will gain insights into practical AI applications and get tips for leveraging technology to advance their DEI goals.
Thinking of getting a dog? Be aware that breeds like Pit Bulls, Rottweilers, and German Shepherds can be loyal and dangerous. Proper training and socialization are crucial to preventing aggressive behaviors. Ensure safety by understanding their needs and always supervising interactions. Stay safe, and enjoy your furry friends!
Strategies for Effective Upskilling is a presentation by Chinwendu Peace in a Your Skill Boost Masterclass organisation by the Excellence Foundation for South Sudan on 08th and 09th June 2024 from 1 PM to 3 PM on each day.
Macroeconomics- Movie Location
This will be used as part of your Personal Professional Portfolio once graded.
Objective:
Prepare a presentation or a paper using research, basic comparative analysis, data organization and application of economic information. You will make an informed assessment of an economic climate outside of the United States to accomplish an entertainment industry objective.
Main Java[All of the Base Concepts}.docxadhitya5119
This is part 1 of my Java Learning Journey. This Contains Custom methods, classes, constructors, packages, multithreading , try- catch block, finally block and more.
How to Fix the Import Error in the Odoo 17Celine George
An import error occurs when a program fails to import a module or library, disrupting its execution. In languages like Python, this issue arises when the specified module cannot be found or accessed, hindering the program's functionality. Resolving import errors is crucial for maintaining smooth software operation and uninterrupted development processes.
Assessment and Planning in Educational technology.pptxKavitha Krishnan
In an education system, it is understood that assessment is only for the students, but on the other hand, the Assessment of teachers is also an important aspect of the education system that ensures teachers are providing high-quality instruction to students. The assessment process can be used to provide feedback and support for professional development, to inform decisions about teacher retention or promotion, or to evaluate teacher effectiveness for accountability purposes.
Introduction to AI for Nonprofits with Tapp NetworkTechSoup
Dive into the world of AI! Experts Jon Hill and Tareq Monaur will guide you through AI's role in enhancing nonprofit websites and basic marketing strategies, making it easy to understand and apply.
বাংলাদেশের অর্থনৈতিক সমীক্ষা ২০২৪ [Bangladesh Economic Review 2024 Bangla.pdf] কম্পিউটার , ট্যাব ও স্মার্ট ফোন ভার্সন সহ সম্পূর্ণ বাংলা ই-বুক বা pdf বই " সুচিপত্র ...বুকমার্ক মেনু 🔖 ও হাইপার লিংক মেনু 📝👆 যুক্ত ..
আমাদের সবার জন্য খুব খুব গুরুত্বপূর্ণ একটি বই ..বিসিএস, ব্যাংক, ইউনিভার্সিটি ভর্তি ও যে কোন প্রতিযোগিতা মূলক পরীক্ষার জন্য এর খুব ইম্পরট্যান্ট একটি বিষয় ...তাছাড়া বাংলাদেশের সাম্প্রতিক যে কোন ডাটা বা তথ্য এই বইতে পাবেন ...
তাই একজন নাগরিক হিসাবে এই তথ্য গুলো আপনার জানা প্রয়োজন ...।
বিসিএস ও ব্যাংক এর লিখিত পরীক্ষা ...+এছাড়া মাধ্যমিক ও উচ্চমাধ্যমিকের স্টুডেন্টদের জন্য অনেক কাজে আসবে ...
2024 State of Marketing Report – by HubspotMarius Sescu
https://www.hubspot.com/state-of-marketing
· Scaling relationships and proving ROI
· Social media is the place for search, sales, and service
· Authentic influencer partnerships fuel brand growth
· The strongest connections happen via call, click, chat, and camera.
· Time saved with AI leads to more creative work
· Seeking: A single source of truth
· TLDR; Get on social, try AI, and align your systems.
· More human marketing, powered by robots
ChatGPT is a revolutionary addition to the world since its introduction in 2022. A big shift in the sector of information gathering and processing happened because of this chatbot. What is the story of ChatGPT? How is the bot responding to prompts and generating contents? Swipe through these slides prepared by Expeed Software, a web development company regarding the development and technical intricacies of ChatGPT!
Product Design Trends in 2024 | Teenage EngineeringsPixeldarts
The realm of product design is a constantly changing environment where technology and style intersect. Every year introduces fresh challenges and exciting trends that mold the future of this captivating art form. In this piece, we delve into the significant trends set to influence the look and functionality of product design in the year 2024.
How Race, Age and Gender Shape Attitudes Towards Mental HealthThinkNow
Mental health has been in the news quite a bit lately. Dozens of U.S. states are currently suing Meta for contributing to the youth mental health crisis by inserting addictive features into their products, while the U.S. Surgeon General is touring the nation to bring awareness to the growing epidemic of loneliness and isolation. The country has endured periods of low national morale, such as in the 1970s when high inflation and the energy crisis worsened public sentiment following the Vietnam War. The current mood, however, feels different. Gallup recently reported that national mental health is at an all-time low, with few bright spots to lift spirits.
To better understand how Americans are feeling and their attitudes towards mental health in general, ThinkNow conducted a nationally representative quantitative survey of 1,500 respondents and found some interesting differences among ethnic, age and gender groups.
Technology
For example, 52% agree that technology and social media have a negative impact on mental health, but when broken out by race, 61% of Whites felt technology had a negative effect, and only 48% of Hispanics thought it did.
While technology has helped us keep in touch with friends and family in faraway places, it appears to have degraded our ability to connect in person. Staying connected online is a double-edged sword since the same news feed that brings us pictures of the grandkids and fluffy kittens also feeds us news about the wars in Israel and Ukraine, the dysfunction in Washington, the latest mass shooting and the climate crisis.
Hispanics may have a built-in defense against the isolation technology breeds, owing to their large, multigenerational households, strong social support systems, and tendency to use social media to stay connected with relatives abroad.
Age and Gender
When asked how individuals rate their mental health, men rate it higher than women by 11 percentage points, and Baby Boomers rank it highest at 83%, saying it’s good or excellent vs. 57% of Gen Z saying the same.
Gen Z spends the most amount of time on social media, so the notion that social media negatively affects mental health appears to be correlated. Unfortunately, Gen Z is also the generation that’s least comfortable discussing mental health concerns with healthcare professionals. Only 40% of them state they’re comfortable discussing their issues with a professional compared to 60% of Millennials and 65% of Boomers.
Race Affects Attitudes
As seen in previous research conducted by ThinkNow, Asian Americans lag other groups when it comes to awareness of mental health issues. Twenty-four percent of Asian Americans believe that having a mental health issue is a sign of weakness compared to the 16% average for all groups. Asians are also considerably less likely to be aware of mental health services in their communities (42% vs. 55%) and most likely to seek out information on social media (51% vs. 35%).
AI Trends in Creative Operations 2024 by Artwork Flow.pdfmarketingartwork
Creative operations teams expect increased AI use in 2024. Currently, over half of tasks are not AI-enabled, but this is expected to decrease in the coming year. ChatGPT is the most popular AI tool currently. Business leaders are more actively exploring AI benefits than individual contributors. Most respondents do not believe AI will impact workforce size in 2024. However, some inhibitions still exist around AI accuracy and lack of understanding. Creatives primarily want to use AI to save time on mundane tasks and boost productivity.
Organizational culture includes values, norms, systems, symbols, language, assumptions, beliefs, and habits that influence employee behaviors and how people interpret those behaviors. It is important because culture can help or hinder a company's success. Some key aspects of Netflix's culture that help it achieve results include hiring smartly so every position has stars, focusing on attitude over just aptitude, and having a strict policy against peacocks, whiners, and jerks.
PEPSICO Presentation to CAGNY Conference Feb 2024Neil Kimberley
PepsiCo provided a safe harbor statement noting that any forward-looking statements are based on currently available information and are subject to risks and uncertainties. It also provided information on non-GAAP measures and directing readers to its website for disclosure and reconciliation. The document then discussed PepsiCo's business overview, including that it is a global beverage and convenient food company with iconic brands, $91 billion in net revenue in 2023, and nearly $14 billion in core operating profit. It operates through a divisional structure with a focus on local consumers.
Content Methodology: A Best Practices Report (Webinar)contently
This document provides an overview of content methodology best practices. It defines content methodology as establishing objectives, KPIs, and a culture of continuous learning and iteration. An effective methodology focuses on connecting with audiences, creating optimal content, and optimizing processes. It also discusses why a methodology is needed due to the competitive landscape, proliferation of channels, and opportunities for improvement. Components of an effective methodology include defining objectives and KPIs, audience analysis, identifying opportunities, and evaluating resources. The document concludes with recommendations around creating a content plan, testing and optimizing content over 90 days.
How to Prepare For a Successful Job Search for 2024Albert Qian
The document provides guidance on preparing a job search for 2024. It discusses the state of the job market, focusing on growth in AI and healthcare but also continued layoffs. It recommends figuring out what you want to do by researching interests and skills, then conducting informational interviews. The job search should involve building a personal brand on LinkedIn, actively applying to jobs, tailoring resumes and interviews, maintaining job hunting as a habit, and continuing self-improvement. Once hired, the document advises setting new goals and keeping skills and networking active in case of future opportunities.
A report by thenetworkone and Kurio.
The contributing experts and agencies are (in an alphabetical order): Sylwia Rytel, Social Media Supervisor, 180heartbeats + JUNG v MATT (PL), Sharlene Jenner, Vice President - Director of Engagement Strategy, Abelson Taylor (USA), Alex Casanovas, Digital Director, Atrevia (ES), Dora Beilin, Senior Social Strategist, Barrett Hoffher (USA), Min Seo, Campaign Director, Brand New Agency (KR), Deshé M. Gully, Associate Strategist, Day One Agency (USA), Francesca Trevisan, Strategist, Different (IT), Trevor Crossman, CX and Digital Transformation Director; Olivia Hussey, Strategic Planner; Simi Srinarula, Social Media Manager, The Hallway (AUS), James Hebbert, Managing Director, Hylink (CN / UK), Mundy Álvarez, Planning Director; Pedro Rojas, Social Media Manager; Pancho González, CCO, Inbrax (CH), Oana Oprea, Head of Digital Planning, Jam Session Agency (RO), Amy Bottrill, Social Account Director, Launch (UK), Gaby Arriaga, Founder, Leonardo1452 (MX), Shantesh S Row, Creative Director, Liwa (UAE), Rajesh Mehta, Chief Strategy Officer; Dhruv Gaur, Digital Planning Lead; Leonie Mergulhao, Account Supervisor - Social Media & PR, Medulla (IN), Aurelija Plioplytė, Head of Digital & Social, Not Perfect (LI), Daiana Khaidargaliyeva, Account Manager, Osaka Labs (UK / USA), Stefanie Söhnchen, Vice President Digital, PIABO Communications (DE), Elisabeth Winiartati, Managing Consultant, Head of Global Integrated Communications; Lydia Aprina, Account Manager, Integrated Marketing and Communications; Nita Prabowo, Account Manager, Integrated Marketing and Communications; Okhi, Web Developer, PNTR Group (ID), Kei Obusan, Insights Director; Daffi Ranandi, Insights Manager, Radarr (SG), Gautam Reghunath, Co-founder & CEO, Talented (IN), Donagh Humphreys, Head of Social and Digital Innovation, THINKHOUSE (IRE), Sarah Yim, Strategy Director, Zulu Alpha Kilo (CA).
Trends In Paid Search: Navigating The Digital Landscape In 2024Search Engine Journal
The search marketing landscape is evolving rapidly with new technologies, and professionals, like you, rely on innovative paid search strategies to meet changing demands.
It’s important that you’re ready to implement new strategies in 2024.
Check this out and learn the top trends in paid search advertising that are expected to gain traction, so you can drive higher ROI more efficiently in 2024.
You’ll learn:
- The latest trends in AI and automation, and what this means for an evolving paid search ecosystem.
- New developments in privacy and data regulation.
- Emerging ad formats that are expected to make an impact next year.
Watch Sreekant Lanka from iQuanti and Irina Klein from OneMain Financial as they dive into the future of paid search and explore the trends, strategies, and technologies that will shape the search marketing landscape.
If you’re looking to assess your paid search strategy and design an industry-aligned plan for 2024, then this webinar is for you.
5 Public speaking tips from TED - Visualized summarySpeakerHub
From their humble beginnings in 1984, TED has grown into the world’s most powerful amplifier for speakers and thought-leaders to share their ideas. They have over 2,400 filmed talks (not including the 30,000+ TEDx videos) freely available online, and have hosted over 17,500 events around the world.
With over one billion views in a year, it’s no wonder that so many speakers are looking to TED for ideas on how to share their message more effectively.
The article “5 Public-Speaking Tips TED Gives Its Speakers”, by Carmine Gallo for Forbes, gives speakers five practical ways to connect with their audience, and effectively share their ideas on stage.
Whether you are gearing up to get on a TED stage yourself, or just want to master the skills that so many of their speakers possess, these tips and quotes from Chris Anderson, the TED Talks Curator, will encourage you to make the most impactful impression on your audience.
See the full article and more summaries like this on SpeakerHub here: https://speakerhub.com/blog/5-presentation-tips-ted-gives-its-speakers
See the original article on Forbes here:
http://www.forbes.com/forbes/welcome/?toURL=http://www.forbes.com/sites/carminegallo/2016/05/06/5-public-speaking-tips-ted-gives-its-speakers/&refURL=&referrer=#5c07a8221d9b
ChatGPT and the Future of Work - Clark Boyd Clark Boyd
Everyone is in agreement that ChatGPT (and other generative AI tools) will shape the future of work. Yet there is little consensus on exactly how, when, and to what extent this technology will change our world.
Businesses that extract maximum value from ChatGPT will use it as a collaborative tool for everything from brainstorming to technical maintenance.
For individuals, now is the time to pinpoint the skills the future professional will need to thrive in the AI age.
Check out this presentation to understand what ChatGPT is, how it will shape the future of work, and how you can prepare to take advantage.
The document provides career advice for getting into the tech field, including:
- Doing projects and internships in college to build a portfolio.
- Learning about different roles and technologies through industry research.
- Contributing to open source projects to build experience and network.
- Developing a personal brand through a website and social media presence.
- Networking through events, communities, and finding a mentor.
- Practicing interviews through mock interviews and whiteboarding coding questions.
Google's Just Not That Into You: Understanding Core Updates & Search IntentLily Ray
1. Core updates from Google periodically change how its algorithms assess and rank websites and pages. This can impact rankings through shifts in user intent, site quality issues being caught up to, world events influencing queries, and overhauls to search like the E-A-T framework.
2. There are many possible user intents beyond just transactional, navigational and informational. Identifying intent shifts is important during core updates. Sites may need to optimize for new intents through different content types and sections.
3. Responding effectively to core updates requires analyzing "before and after" data to understand changes, identifying new intents or page types, and ensuring content matches appropriate intents across video, images, knowledge graphs and more.
A brief introduction to DataScience with explaining of the concepts, algorithms, machine learning, supervised and unsupervised learning, clustering, statistics, data preprocessing, real-world applications etc.
It's part of a Data Science Corner Campaign where I will be discussing the fundamentals of DataScience, AIML, Statistics etc.
Time Management & Productivity - Best PracticesVit Horky
Here's my presentation on by proven best practices how to manage your work time effectively and how to improve your productivity. It includes practical tips and how to use tools such as Slack, Google Apps, Hubspot, Google Calendar, Gmail and others.
The six step guide to practical project managementMindGenius
The six step guide to practical project management
If you think managing projects is too difficult, think again.
We’ve stripped back project management processes to the
basics – to make it quicker and easier, without sacrificing
the vital ingredients for success.
“If you’re looking for some real-world guidance, then The Six Step Guide to Practical Project Management will help.”
Dr Andrew Makar, Tactical Project Management
Beginners Guide to TikTok for Search - Rachel Pearson - We are Tilt __ Bright...
Online Fraud Report 2010
1. RSA Online Fraud Report
August, 2010
Prices of Goods and Services offered
in the Cybercriminal Underground
If you were to take a glimpse into the fraud black market,
you would see that not only do cybercriminals trade stolen
Online forums serve as platforms for
data, but they also offer a multitude of tools and services for
cybercriminals to exchange their criminal
sale that enable others to harvest this information and/or
tools, services, and know how; but even
monetize it. Examples of some criminal ‘product’ offerings
more so, forums are flourishing markets
would include fraudster call center services that “outsource”
used by those who profit from the sale of
fraudulent phone calls made to banks or merchants;
compromised bank accounts and payment
information services that provide a rich set of personal and
card data. In order to keep feeding the
financial data on potential victims; phishing kits that target
cybercrime economy, vendors of
different banks: Trojan infection kits; and credit card
compromised data mainly1 obtain their
checking services, just to name a few.
“merchandise” by launching phishing and
Trojan attacks or hacking into merchants’ For the purposes of our research, the RSA FraudAction
databases; they then offer the harvested Intelligence Team has gone out “shopping” in the larger
data for sale in a varying number of underground forums where a variety of goods and services are
underground forums. offered for sale. Today, we bring you an up-to-date shopping
list straight from the underground cybercriminal market, along
with the corresponding price tags as advertised in the major
online fraudster forums. We’ve also outlined several
hypothetical scenarios we’ve developed in order to help
illustrate the potential impact of this fraud marketplace.
Example Scenario #1
A would-be cybercriminal browses the Internet and reads
how lucrative the botnet business can be for individuals with
minimal technical computer savvy. After deciding to proceed
with the ‘fraud business plan’ – he goes shopping in the
underground. Here’s a look at his shopping list:
– One powerful banking Trojan (Zeus) with a full builder
and extra plugin options: $4,000 to start
– One month of bulletproof hosting – up to $400 per month
1 Other sources of compromised data may also include hacked payment
– One infection campaign via e-mail (spam blasting) –
processing systems and skimmers placed by fraudsters on POS devices
and ATM machines. Approximately $70 per campaign with CAPTCHA
circumvention option included
Total estimated startup cost: $4,470
Credential harvesting potential: Limitless
RSA Online Fraud Report
2. How does this would-be cybercriminal set his wares in help of a fraudulent call to the call center, buying credibility
motion? He promptly launches a Trojan infection campaign, to a random item-drop address. He can then purchase big
and potential victims begin accessing the infected URL, ticket items online, having them shipped to that same item-
inadvertently getting the cybercriminal’s Trojan variant drop mule, then directly into his hands for cash resale in his
installed on their computer. own local grey market.
The cybercriminal now begins building his new botnet as Shopping the Underground Market2
more and more victims fall for his tricky e-mail messages and
A stroll through some leading underground forums provided us
continue browsing to the compromised site (often referred to
with a complete cybercriminal shopping list. Overall, the list
as the “infection point”).
below reflects an accurate view of the prices of goods and
services as they are currently sold in this black market. While
In just a matter of time, victims will access their online
prices vary, the list below offers a price range rather than one
banking services and all their login credentials will get
absolute market price and truly represents what cybercriminals
captured and transmitted from their PCs directly into the
illicitly buy and sell in order to carry-out their fraud operations
cybercriminal’s drop server. Whether he decides to sell these
both in the online realm and in the real world.
credentials to other cybercriminals or uses them to commit
fraud himself is all up to the level of involvement he wants to
Looking at this non-exhaustive list one can review basic
partake in, the risks of getting caught – and how much profit
pricing of credit card data, customer credentials, crimeware,
he has his sights set on.
Phishing, hosting, private consumer information, etc. It is
evident the fraud supply chain proves to work through a vast
and vibrant underground market where a fraudster’s key
Example Scenario #2 purpose is targeting the best avenue to maximizing his ROI.
A seasoned fraudster, well-versed in cybercrime techniques, A cybercriminal can procure credit card data for as little as
begins planning his Christmas shopping for the year. He the price of a latté. What may seem marginal enough at first
quickly opts for purchasing compromised “Fulls” or sight may carry the potential for heavy losses to consumers,
credentials, specifically those belonging to customers of the banks and credit card associations involved.
large American financial institutions. This cybercriminal visits
Various fraud products and services are sold in the
his trusted vendor to fulfill the following shopping list:
underground for not more than $50, but can be associated
– 50 sets of freshly compromised “Fulls” credentials – with the loss of thousands of dollars in the end. Worse yet,
$ 500 on average in the case of consumers, one can never put a price tag on
– 30 fraudulent phone calls to online merchants, banks the loss of privacy.
and money transfer services: $300
Even when looking at the relatively high price of Trojans,
– Item drop mules as needed: Mule-herder is commission which may cost up to thousands of dollars per kit, the initial
based cost is not very telling of the massive damage and monetary
Potential for big ticket item purchase and cash resale: losses it is capable of perpetrating in a rather short time span.
Unlimited
Today, there are myriad underground forums operating
How does this seasoned cybercriminal make a buck off of the throughout the world. Law enforcement and the security
“Fulls” credential sets he has obtained? He is able to use the industry invest efforts in thwarting cybercriminal enterprises
genuine cardholder’s information including online banking and turning this black market economy into an unprofitable
account (via username and password combination), billing business. A good example to demonstrate was the shutdown
address, credit card number, CVV2 code, expiration date, of the Dark Market forum in October 2008 by the Federal
mother’s maiden name (MMN), date of birth (DOB), and Bureau of Investigation, which ultimately resulted in 56
Social Security Number (SSN). Using the data, the arrests and the prevention of $70 million in potential losses.
cybercriminal can modify the card’s billing address with the
2 All prices quoted in US Dollars
RSA Online Fraud Report
3. Sale Item Underground Price
CVV2 Data Sets $1.50 - $3.00
The CVV2 data set consists of a credit card's 16-digit PAN, CVV2 code, expiration date, billing
address and embossed name. Fraudsters buy this data set in order to commit e-commerce (card-
not-present) fraud, specifically buying merchandise online and then reselling it for cash.
SSN / DOB / MMN $1.50 - $3 per query
These personal details are very often used by banks to authenticate an individual’s identity in both MMN $5 - $6
the online banking and phone banking channels; also used by some money transfer services. SSN $1 - $3
DOB $1 - $3
Track 2 Data (aka “Dumps”) Classic/ Standard cards:
‘Track-2’ information is found on a payment card's magnetic stripe. By purchasing ‘dumps’, $15 - $20
fraudsters can produce counterfeit payment cards that can be used in stores (aka ‘carding’). *Prices for these may be as low as US$ 9 per card when buying dumps in bulk,
with minimum bulk orders normally starting at purchases of $200
This is done by encoding the data onto blank plastic cards or onto an old payment card.
Gold/ Platinum cards:
$20 - $80
**Prices may vary widely
Worldwide/ Business/ Corporate/ Signature:
$30 - $40
Online Banking Logins $50 - $1,000 per account, depending on the account type and
Logins consist of a consumer's username, password, and in some cases additional information. balance.
After obtaining these credentials, fraudsters would normally attempt to cash the account out by
completing wire transfers into mule accounts they control.
‘Fulls’ Data Sets $5 - $20 per set
‘Fulls’ information includes the full details of an account holder, such as a consumer’s online
banking credentials (e.g., username and password), mailing address, card number, CVV2 code,
card's expiration date, MMN, DOB, SSN.
Fraudulent Phone Calls $10 - $15 per call
Completed by Fraudster Call Centers, fraudulent phone services are offered to cybercriminals Prices vary according to the destination of the call, for example:
as a means to overcome language and gender barriers encountered by those who need to a call made to a mule, a bank’s customer service center, or other
impersonate the account holder destinations.
CC Checking/ Verification $0.40 per check
CC (credit card) checkers are used by cybercriminals to verify the validity of the compromised Prices may vary widely.
payment cards they obtain/ purchase in advance. $20 for 50 checks
SMS or Phone-Flooding Services (aka Telephony DoS/ TDoS) $25 - $40 per 24 hours of phone-flooding
Phone-flooding is usually performed in order to render a consumer’s mobile phone unavailable
for incoming authentication calls or SMS text messages sent from the bank.
DDoS Attack Service $50.00* per 24 hours of DDoS.
A ‘Distributed Denial of Service’ attack is an attempt to make a computer resource unavailable
*Average price for DDoS’ing a site for 24 hours. The exact price depends on the
to its intended users by overloading, or “flooding” its bandwidth with an overwhelming volume DDoS’ed site
of web traffic.
Bulletproof Hosting $87 - $179 per month depending on the service level and up to
Bulletproof hosting is a hired service used by cybercriminals to host malicious content. The main $400 per month for certain infrastructures.
idea is suggested by its name: “Bulletproof ” – much harder for law enforcement to take down
than any other hosting method out there. BP infrastructures will host any and all criminal content.
Zeus Trojan Kit – Zeus Kit: $3K - $4K
One of today’s most pervasive banking Trojans. With an infection rate of thousands of computers – Backconnect $1500
per day, highly advanced features, evolving code, new variants and communication resources – Firefox form grabber $2000
being detected and analyzed by RSA on an ongoing basis, it is the Trojan family most frequently – Jabber (IM) chat plugin $500
encountered in the wild. – VNC (Virtual Network Computing) private module $10K
– Windows 7/ Vista Support $2000
*Note: Unauthorized Zeus variant copies sold in the underground would go for ~$800
SpyEye Trojan Kit – Basic kit – $1,000
One of the most advanced current-day Trojans, boasting its own IE and Firefox HTML injections, – Firefox Injection tool – $1,000 - $2000
pre-defined bank triggers and a growing list of unique features. Thus far, SpyEye has been – SOCKS plugin – $750 - $1750
2010’s biggest Trojan innovation, being the only commercially available banking Trojan able to
challenge Zeus’ market-share.
RSA Online Fraud Report
4. Phishing Attacks per Month 20000 18820 18503 18080
17900 17579
17365 16756
16164 16541
RSA witnessed a 21 percent increase in the 15596
15127
Source: RSA Anti-Fraud Command Center
number of phishing attacks launched worldwide 15000 13855
13212
during July 2010. While there was a sharp spike in
phishing attacks, our analysis shows this growth
can be directly attributed to an increase in the 10000
number of attacks launched against a handful of
large entities. Attacks launched against US and
UK-based financial institutions accounted for the 5000
majority of the increase witnessed in July.
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Number of Brands Attacked 300 282 275
275 281
Last month, phishing attacks were launched 250 239
227
Source: RSA Anti-Fraud Command Center
222 223 216
against 217 brands worldwide, an almost 216 217
195
identical number compared to June. The number 200 188
of brands targeted less than five times last month
was also similar to the figures reported in June. 150
100
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Brands attacked under five times
RSA Online Fraud Report
5. 100
4% 4% 6% 6% 6%
Segmentation of Financial Institutions 17% 24% 13% 13% 9% 10% 14% 12%
Attacked Within the U.S. 80
Source: RSA Anti-Fraud Command Center
58% 45% 52% 57% 60% 71% 61% 60% 39% 35% 29% 28% 30%
Despite a four percent decrease in July, nationwide
banks remained the most targeted financial 60
segment in the U.S. (in terms of the number of
brands attacked). The portion of regional banks 40
attacked increased four percent while the portion
of targeted U.S. credit unions remained unchanged
20
for the third consecutive month.
25% 31% 35% 30% 31% 19% 25% 28% 57% 61% 65% 68% 64%
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U.S.Credit Unions Regional U.S. Banks Nationwide U.S. Banks
Top Ten Countries Hosting Phishing Attacks Brazil 3%
France 3%
The U.S. remains the country hosting the largest Russia 3%
portion of phishing attacks; in July, the U.S. hosted China 3.5%
61 percent of phishing attacks. All other hosting
countries reported have remained much the same with Canada 4%
the exception of Brazil, who became a top country,
South Korea 4.5%
hosting three percent of phishing attacks in July.
Source: RSA Anti-Fraud Command Center UK 5% U.S. 61%
Germany 6%
Australia 7%
RSA Online Fraud Report
6. Netherlands 1.5%
Canada 1.5% Brazil 1%
Top Ten Countries by Attack Volume Australia 2% United Arab Emirates .5%
The volume of phishing attacks endured by the U.S. Italy 3%
increased by eight percent from last month, China 5.5%
representing 47 percent of all phishing attacks in July.
The UK and South Africa endured a smaller portion of
attacks, both dropping four percent from June. The South Africa 9%
United Arab Emirates appeared on the chart this month U.S. 47%
as one of the countries suffering a high volume of
phishing attacks; it is the first time it has appeared
on the chart since November 2009.
Source: RSA Anti-Fraud Command Center
UK 29%
Top Ten Countries by Attacked Brands
United Arab Emirates 3% Spain 2.5%
Phishers continue to heavily favor targeting U.S. brands; Italy 3.5%
nearly half of all brands targeted in July were in the U.S.
South Africa 3.5%
Together, the U.S. and UK continue to represent about
two-thirds of all targeted brands. The United Arab Netherlands 5%
Emirates is a newcomer to the list, with their brands
suffering about three percent of identified phishing Canada 5%
attacks in July. U.S. 47.5%
Source: RSA Anti-Fraud Command Center Australia 6.5%
India 7%
UK 16.5%
www.rsa.com
The information set forth in this RSA Online Fraud Report is based on sources and analysis that RSA Security Inc. (“ RSA” ) believes are reliable.
Statements concerning financial, regulatory or legal matters should be understood to be general observations of the RSA professionals and may not be relied upon as financial,
regulatory or legal advice, which RSA is not authorized to provide. All such matters should be reviewed with appropriate qualified advisors in these areas. RSA reserves the
right to notify law enforcement authorities and/or other relevant agencies regarding the information RSA uncovers in the course of doing business.
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ONLINE FRAUD REPORT AUGUST 10