The document discusses how contactless payment brands like Visa payWave can provide more value to merchants. It proposes embedding targeted marketing messages and coupons in payment cards to help merchants attract customers, build loyalty, and lower their promotional marketing costs. Examples of targeted messages include coupons for occasional customers, game programs to encourage repeat visits, and VIP perks for frequent shoppers. When payment brands provide this kind of value, merchants are more likely to prefer and promote that brand over competitors.
There is rigid competition in the jewellery retail business and every day changes in customers demand and needs. With the change of customer behavior you shall concentrate on retaining customer. Efforts to sell and promotion are no longer working as it used to be earlier.
Nationally renowned real estate guru shares what the real goal of success is. How will your business practices benefit you, your family, and the client?
There is rigid competition in the jewellery retail business and every day changes in customers demand and needs. With the change of customer behavior you shall concentrate on retaining customer. Efforts to sell and promotion are no longer working as it used to be earlier.
Nationally renowned real estate guru shares what the real goal of success is. How will your business practices benefit you, your family, and the client?
Retail marketing strategies from Middle East Retail ForumMichael Leander
Clipping from coverage of the Middle East Retail Forum Marketing Conclave in Dubai. Mentioning Michael Leander (speaker), Leonard Otto, retail expert Simon Hathaway, Shawn Sipman, Natasha Rockstrom, Nandakumar Vijayan, Kritika Rawat and others.
Are you struggling to create content that engages your audience? Content marketing success relies on your ability to understand and target the customer context. This guide helps you do just that.
This presentation describes the function of the amygdala, a significant part of the brain that is necessary for memory and other behaviors that are key for survival. Enjoy!
Retail marketing strategies from Middle East Retail ForumMichael Leander
Clipping from coverage of the Middle East Retail Forum Marketing Conclave in Dubai. Mentioning Michael Leander (speaker), Leonard Otto, retail expert Simon Hathaway, Shawn Sipman, Natasha Rockstrom, Nandakumar Vijayan, Kritika Rawat and others.
Are you struggling to create content that engages your audience? Content marketing success relies on your ability to understand and target the customer context. This guide helps you do just that.
This presentation describes the function of the amygdala, a significant part of the brain that is necessary for memory and other behaviors that are key for survival. Enjoy!
This is an example of a special Marketing and Sales promotion for companies looking to increase traffic to their location and event. This innovative approach allows everyone to win while attracting business at the cost of what a typical mailer would cost.
This is a presentation of grass-root marketing strategies for home inspectors. These techniques and this system will allow Home Inspectors to grow a 100% by-referral business and stop advertising.
Why Gift Cards?
Gift cards are a very essential component in business in the following ways:
>> It helps customers make more purchases from stores in every occasion.
>> It helps vendors to delight their potential and prospective customers.
>> Gift cards help the eCommerce store owners to establish a strong bond with the customers.
>> The content of gift card certificates help the vendors to attain maximum engagement at the WooCommerce stores.
>> According to Statista, gift cards sales are projected to reach around 160 billion US dollars.
Visit the links to go through various WooCommerce gift card extensions-
1-https://wordpress.org/plugins/gift-cards-for-woocommerce/
2-https://codecanyon.net/item/woocommerce-ultimate-gift-card/19191057
3-http://bit.ly/2P09c6C
4-https://www.youtube.com/watch?v=F49HDH0Xz6I
Thanks For Watching
Team MakeWebBetter
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
1. Making the preferred contactless brand in Asia Aneace Haddad Chairman & Founder Welcome Real-time September 2007
2. Technology from Welcome makes the payWave brand much more attractive to merchants. The power of Differentiation!
3. Let the other brands struggle with major pains which occur when merchants are not excited. For example…
4. 1 out of 133 “ There are 6 million places where you can use your credit card, 45,000 (contactless locations) doesn’t excite me .” John Suchanec, Bank of America
5. “ Until you have a better merchant coverage, there’s clearly a problem .” Leigh Malnati, American Express
6. “ Contactless is a great idea but only at the right price and the price at the moment is miles off the pace.” “ The cost of handling cash is virtually free because the banks want our notes for their ATMs .” Nick Mourant, Tesco
7. “ WHSmith and Boots have looked at it from the cost perspective and it has not stacked up.” Consultant to MasterCard
8. “ [We] haven’t moved aggressively to contactless because there is little consumer demand – been more of an issuer/association push .” David Tryder Dunkin’ Donuts May 2007
9. “ Waving a card in front of a reader takes about as much time as swiping one through.” Manager, Sheetz, Inc.
10. Provide more value to merchants … and let other contactless brands struggle with all of these problems.
12. … equipped with a set of marketing enhancements that help merchants get more value from the Visa payWave brand.
13. Merchants can use data hidden inside the payWave chip to deliver targeted messages at the POS, at very low cost. BPI advertisement, Philippines, 2007
24. Newspaper ad, half page: € 9,000 - €12,000 Co-op package mailing, 1 insert: €350 Local coupon book, 1 page: €350 Promo marketing is expensive (and rarely targeted because too difficult)
25. “ Bank-managed data could help retailers identify their best customers and prospects .” “ [help] entice customers to visit the retailer - either for the first time or for repeat patronage .” “ [banks can charge] direct fees or indirect/bundled pricing e.g., in the form of higher interchange.”
26.
27. Payment data in the chip indicates that this man last had coffee here over 30 days ago… … he has obviously been going somewhere else.
28. … since he is here now, why not print an offer at the bottom of his card receipt? ---------------------------- Coupon TRY OUR NEW EZ CAR WASH AND ENJOY A COFFEE WHILE YOU WAIT CAR WASH+COFFEE SPECIAL $2.00 Expires Nov. 15, 2007 A feature that is simple, low cost and valuable for all types of merchants.
29. 1st visit ---------------------- M---R---S-- Use your Visa payWave card at McDonald’s. When all the letters above are filled, win your McSurprise! 2nd visit ---------------------- MC--RPR-S-- Use your Visa payWave card at McDonald’s. When all the letters above are filled, win your McSurprise! 3rd visit ---------------------- MC--RPRISE- Use your Visa payWave card at McDonald’s. When all the letters above are filled, win your McSurprise! 4th visit ---------------------- Coupon MCSURPRISE! Congratulations! Present this ticket to any clerk and get your McSurprise! Not valid with any other offer. Expires 31 Jan 2008 Card receipts don’t have to be boring.
30.
31. Competitive Shopper Messages/Coupons 30 days since last visit ----------------------------- Coupon Bring a Friend Our Treat BUY ONE COFFEE GET ONE FREE! Not valid with any other offer Valid Until June 30, 2007 Merchants instantly recognise customers who last came some time ago, and deliver a coupon encouraging them to come back in a few days. Help merchants avoid losing customers to the competition.
32. Game Programs Coupon 1st visit ---------------------- Game Status P---E DR---! Pay with your card at Pizza Hut. When all the letters above are filled, win this month’s nominated prize! Valid Until June 30, 2007 Coupon 2nd visit ---------------------- Game Status PR--E DR—E! Pay with your card at Pizza Hut. When all the letters above are filled, win this month’s nominated prize! Valid Until June 30, 2007 Coupon 3rd visit ---------------------- Game Status PR-ZE DRI-E! Pay with your card at Pizza Hut. When all the letters above are filled, win this month’s nominated prize! Valid Until June 30, 2007 Coupon 4th visit ---------------------- Winners Coupon PRIZE DRIVE! Congratulations! Present this winning ticket to any staff member to receive your prize! Not valid with any other offer Valid Until June 30, 2007 Games based on cumulative spend or number of visits help merchants build continuity without the cost and trouble of complicated loyalty programmes.
34. Smart Sampling Offers Merchants can give a different sample at each visit to encourage customers to try many different products, and avoid giving the same samples over and over again. 1st visit in the month ------------------------- COUPON GOOD FOR GIFT PACK #1 Expires Jan. 31, 2006 ------------------------- COUPON GOOD FOR GIFT PACK #1 Expires Jan. 31, 2006 1st visit in the month ------------------------- COUPON GOOD FOR GIFT PACK #1 Expires Jan. 31, 2006 ------------------------- COUPON GOOD FOR GIFT PACK #1 Expires Jan. 31, 2007 2nd visit in the month ------------------------- COUPON GOOD FOR GIFT PACK #2 Expires Apr. 30, 2006 ------------------------- COUPON GOOD FOR GIFT PACK #2 Expires Apr. 30, 2006 2nd visit in the month ------------------------- COUPON GOOD FOR GIFT PACK #2 Expires Apr. 30, 2006 ------------------------- COUPON GOOD FOR GIFT PACK #2 Expires Apr. 30, 2007 3rd visit in the month ------------------------- COUPON GOOD FOR GIFT PACK #3 Expires Aug. 31, 2006 ------------------------- COUPON GOOD FOR GIFT PACK #3 Expires Aug. 31, 2006 3rd visit in the month ------------------------- COUPON GOOD FOR GIFT PACK #3 Expires Aug. 31, 2006 ------------------------- COUPON GOOD FOR GIFT PACK #3 Expires Aug. 31, 2007 4th visit in the month ------------------------- COUPON GOOD FOR GIFT PACK #4 Expires Dec. 31, 2006 ------------------------- COUPON GOOD FOR GIFT PACK #4 Expires Dec. 31, 2006 4th visit in the month ------------------------- COUPON GOOD FOR GIFT PACK #4 Expires Dec. 31, 2006 ------------------------- COUPON GOOD FOR GIFT PACK #4 Expires Dec. 31, 2007
36. Frequent Shopper Messages/Coupons Coupon 1 st visit ----------------------------- Coupon BUY ONE HOT&SPICY COMBO GET A FREE DESERT Not valid with any other special Valid Until June 30, 2007 Coupon 2 nd visit ----------------------------- Coupon BUY ONE HOT&SPICY COMBO GET A FREE UPSIZE! Not valid with any other offer Valid Until June 30, 2007 Coupon 3 rd visit ----------------------------- Coupon BUY ONE HOT&SPICY COMBO GET ONE FREE! Not valid with any other offer Valid Until June 30, 2007 Merchants can deliver increasingly valuable coupons encouraging customers to come back again soon, and avoid giving high value promotions to all customers.
37. VIP Service Vouchers “ Enjoy VIP Services. Simply show your VIP Voucher to gain entry to special events.” ----------------------------- - VIP VOUCHER- ACCESS TO INVITATION ONLY EVENTS FOR A YEAR VALID UNTIL DECEMBER 31, 2007 Keep this VIP voucher. Use to gain admission to upcoming exclusive VIP events and advanced access to special promotion offers. Merchants can identify best customers and surprise them with VIP treatment, and avoid wasting money offering high value services to everyone.
38. vs When a scheme’s product is valuable to merchants When the product is not valuable to merchants
39. vs When a scheme’s product is valuable to merchants When the product is not valuable to merchants Merchants encourage customers to use that payment product over others. They encourage use of cheaper payment methods (such as cash).
40. vs When a scheme’s product is valuable to merchants When the product is not valuable to merchants Merchants encourage customers to use that payment product over others. They encourage use of cheaper payment methods (such as cash). Merchants encourage customers to get a card if they don’t already have one. They make no special efforts to promote card acquisition.
41. vs When a scheme’s product is valuable to merchants When the product is not valuable to merchants Merchants encourage customers to use that payment product over others. They encourage use of cheaper payment methods (such as cash). Merchants encourage customers to get a card if they don’t already have one. They make no special efforts to promote card acquisition. The cards are more attractive to customers, so easier to sell. The cards are no different than those of other payment schemes.
42. vs When a scheme’s product is valuable to merchants When the product is not valuable to merchants Merchants encourage customers to use that payment product over others. They encourage use of cheaper payment methods (such as cash). Merchants encourage customers to get a card if they don’t already have one. They make no special efforts to promote card acquisition. The cards are more attractive to customers, so easier to sell. The cards are no different than those of other payment schemes. High interchange fees are justified with regards to that payment scheme. High interchange fees are not justified, and end up getting cut.
43. vs When a scheme’s product is valuable to merchants When the product is not valuable to merchants Merchants encourage customers to use that payment product over others. They encourage use of cheaper payment methods (such as cash). Merchants encourage customers to get a card if they don’t already have one. They make no special efforts to promote card acquisition. The cards are more attractive to customers, so easier to sell. The cards are no different than those of other payment schemes. High interchange fees are justified with regards to that payment scheme. High interchange fees are not justified, and end up getting cut. The product is adopted by more issuers. Banks prefer other payment products.
44. Payment products that support targeted merchant promotions enjoy increased transaction volume
49. “ MasterCard’s IPO, the biggest since Google, is a success despite ongoing legal battles over what are known as interchange fees.” “ Visa and MasterCard face dozens of lawsuits across the nation.” “ Gas station owners make less money, or even lose money, when customers pay with plastic .” “ Paying in cash instead of credit cards could lead to more money saved for everyone.” Interchange awareness comes to Wall Street
50. “ Historically, MasterCard and Visa were mirror images of each other. Visa should spell out if and how it plans to differentiate its interchange strategy, the markets and business it intends to cultivate, and the information-based services enhancing its customers’ profitability.” Lessons Visa Can Learn From MasterCard’s IPO
51. The problem must be solved at the payment network level Payment schemes will find it more and more difficult to attract issuers if they have to dramatically cut interchange. Show issuers that payWave provides more structurally stable interchange revenues (other contactless products face a higher risk of getting cut).
52. The problem must be solved at the payment network level Merchants and regulators will continue challenging the interchange model if schemes don’t provide more value. Change perceptions - show merchants and regulators (and Wall Street) that payWave provides major new innovation for the benefit of merchants.
53. The problem must be solved at the payment network level Important scheme initiatives (contactless, mobile, EMV …) will struggle without active merchant participation. Get merchants to see payWave as an integral and strategic part of their marketing activities (while other brands provide little added value).