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From the creation of the world wide web to where the digital world is at now, the transformation has been incredible. The accessibility of technology has enhanced the digitalization of payment with finance no longer restricted to cash and the cheque book.

The digitalization of payment can be seen most pertinently in the rise of online gambling. With digital payments now completing transactions in seconds, the global online gambling market is expected to hit $94 billion of value by 2024 - double the current market size. A quick financial transaction for the best sports betting usa sites that are available at the touch of a fingertip from the comfort of your own home has ensured that the number of online bettors continues to ascend. 

Indeed, an Online Casino Reports study in 2016 found that leading online casino and sports betting sites like www.oddshunter.ca  were receiving almost 2000 visitors per day with hard cash no longer an issue.

This infiltration of technology and digital payments into everyday life has increased the likelihood of a cashless world as digital takes over the world of finance. But, just how has it done this?

 

The original and modern internets

 

Although stating the obvious, digital payments can only occur when there is an internet connection. It was 1969 and the creation of ARPANET (Advanced Research Projects Agency Network) that set the ball rolling for the modern internet. It was the first time that the TCP/IP protocol suite had been used.

 

Though revolutionary, it hardly set the world alight and so it was up to Sir Tim Berners-Lee to develop the World Wide Web twenty years later. Hyperlinks were merged with web pages and sites that made digital payments realistic.

 

Online payments with eservices

 

Online payment services began with an important if troublesome development in 1994. The Stanford Federal Credit Union developed an online internet banking system - the first of its kind - yet it failed to hit the mark with the ordinary man in the street. Specific knowledge of data transfer protocol was needed, making the service difficult to use.

The 1990s, however, played an essential role in the rise of epayments. The likes of Millicent, ECash and CyberCoin began to provide ecash, digital tokens or tokens as cash alternatives in an attempt to digitalize payment. Ecommerce mogul Jeff Bezos created Amazon in 1994 too.

Paypal and Apple Pay 

 

Now a frontrunner in epayment, Paypal has only been around since 1999. It took the service a while to get going, but once ebay users latched on to its ease of payment methods, Paypal usage rocketed. Different currencies and methods to reduce fraud have reinforced Paypal's superb reputation, and, as a result of its enormous growth, the service was given an EU banking license in 2007.

Even then though, digital payment is forever adapting and morphing into new and exciting projects. Apple Pay, launched in autumn 2014, allows iPhone users to scan their fingerprint to purchase goods. Google and Amazon have also made huge strides by improving wallet functionality and the ability to gamble online.

Where the future of payment lies

 

It's often described as a complicated service, but Bitcoin seems to be where digital payment is heading. Its creation in 2009 saw something important finally be realized: the success of a decentralized currency doubling spending in the absence of a central server or trusted body.

Bitcoin thus took epayment into previously uncharted territory, and can certainly be considered as the future of digital payment.

Digital payments have come a long way since the Stanford Federal Credit Union's attempts to found an online banking system in the early 1990s. But, the development of the modern internet and the consistent evolution of epayment services from Paypal to Apple Pay to now cryptocurrency, means a cashless society is no longer a fantasy. In fact, if bitcoin and the like continue their rapid growth, it could be a lot sooner than what most people think.

 


 

It seems like almost everything can be found online nowadays; the proliferation of technological expertise has seen the expansion of online capabilities, and with this, the ability of what we can do at the touch of a fingertip has grown massively. 

 

A lot of this has been due to the expansion of online gaming, making the design of sites necessary to get right. The best payout online casino sites are played for a reason - to make money - but some users are put off by uninviting and clunky sites. 

 

Mobile gaming, by 2021, is estimated to generate the greatest proportion of total gaming revenue worldwide - it therefore cannot be underestimated how essential it is to succeed with your online website design.

 

Obviously too, when people are outside of their house, checking a website or doing a bit of online gambling on NZ sports betting sites for example can be done via mobile, making how companies design their online mobile website imperative to increasing interest and thus sales. Here's why it's important to get your mobile design right in 2020.

 

Responsive design trend

 

Mobile traffic is currently hitting heights that more traditional desktop traffic can only dream of getting to. Last year, mobile traffic made up 52% of all web traffic and 63% of all mobile phone users accessed the Internet through their mobile for the most part by last year's end, especially through gaming as the likes of online casino sites continue to adapt and expand to new demands.

 

As a result, it has perhaps never been more appropriate than to latch on to the responsive design trends that tend to be leading the way. This is especially true when considering that Google has altered its algorithm to reward those sites that are optimized for mobile.

 

 

Simplicity and interest

 

"What does that company offer?" someone calls. "Hold on, let me search it," says another. Technology has ensured that queries can be answered at the drop of a hat.

 

But, if when searching for a website you are met with a complicated mess of unclear navigation and slow-loading pages, then those types of deficiencies are unlikely to get you any supporters or customers.

 

With the internet taking over the vast majority of peoples' lives as ecommerce engenders its influence over tens of millions of consumers, ensuring that readers can access information they want to acquire as easily as possible, is essential. 

 

For the most part, it's about giving those online shoppers what they desire with regards to user experience and interface. Effectively, the quicker and easier to get your hands on something, the better.

 

Take Starbucks for example. A simplistic colour design with just three menu options provides a not so overwhelming home page where would-be customers can navigate - and thus plan to buy - with ease. 

 

With mobile search growing at more than ten times that of a desktop, being a mobile ready site is a necessity or your business could lose up to a third of their traffic.

 


Dropshipping


Dropshipping is a business more entrepreneurs are choosing due to the low startup cost and the potential for generating revenue. If you're unaware of what drop shipping is, it's purchasing items from manufacturers or third-party suppliers who fulfill the orders. While the startup cost is low, dropshipping still comes with its own challenges. It's important to research and learn ways to help make your business successful. Here are some tips to help you make your dropshipping company successful.


Build an eCommerce website


While it may seem like a daunting task to start a website, it can actually be very simple. There are eCommerce businesses such as Shopify and WooCommerce that make the process of setting up an online store easy. They also offer different apps that will be useful to you in helping to increase your sales. You won't have to pay for a web designer for additional website customization. You'll have enough plugins at your disposal to make your online shop look professional enough for customers to feel confident enough to order your products.


Do competition research


Since dropshipping has a low startup cost, there's a lot of competition in the industry. Doing competition research is critical to helping you stand out from all the other online stores. Beyond competing with the other dropshipping stores, you're also competing against the large retail stores such as Amazon and Walmart. You may think the best idea is to choose a product that has low competition. While that would seem logical, this would actually be a mistake. A product that has low competition could mean it's not in demand or the cost to ship it is expensive. The best chance for your dropshipping business to succeed is to choose a product that's competitive. A competitive product means there's a demand for it. A product with high demand means there's an opportunity for you to make a profit from the product.


Choose a niche


The first part of choosing a niche for your dropshipping business is to select one that interests you. The business is going to take a lot of work to build. You'll feel more encouraged to keep building your drop shipping business if you're working in a niche that you're passionate about. In addition to choosing a niche you're passionate about, you should choose one that has high-priced products. If you're able to successfully market it, you'll make more money from it. You should also make sure the niche product you select is one that attracts impulse buyers. Most consumers will probably not revisit your site, so it's important to get them to buy your product the first time they see it. Lastly, make sure that the product is one that people are searching for. If a few people are searching for your product, few people will be buying it.


These tips will help you in getting started with your dropshipping business. As you follow these tips, Payment Cloud can teach you more about how to scale your dropshipping business. Continue to research and try different things in order to give yourself the best chance for your dropshipping business to succeed.



PuroQuiet-On-Ear-Active-Noise-Cancelling-Headphones


There was a time when premium wireless headsets used to cost a pretty penny, and even then, the mid-tier sound quality wasn't comparable to what a much cheaper, wired headset would be able to offer. That time is well in the past now, as sound quality over Bluetooth has improved drastically, within a comparatively short time.


The PuroQuiet on-ear active noise cancelling headphones will set you back by less than a hundred bucks, but the Bluetooth  4.0 powered pair still promises to deliver on impressive sound quality, complete with active noise cancellation apparently! Now, the real question is, does it deliver, or is it one of the many ambiguous products in this price range, which pops up and vanishes with equal speed every year? Let's find out in the full review.


Build Quality and Design


In terms of build quality, the PuroQuiet headphones stand out from the bunch, for all the right reasons. The aluminum ear cups (blue/pink/grey) and headband were a pleasant surprise to find, since these PuroQuiet headphones are designed specifically for children and young teenagers. In other words, it's colorful to look at, but feels premium to hold, which is a rarity, as plastic dominates this category.


Sound Quality and Active Noise Cancellation


A pair of headphones are only as good as they sound, and the PuroQuiet On-Ear Active Noise Cancelling Headphones do sound quite good. It truly sounds like their claim of less than 1% harmonic distortion was an honest one after all! However, there's  really more to it than just that.


It doesn't matter how rich the media source and the output device is, if the user cannot hear the notes in the same quality and purity, in which they were meant to be heard. The PuroQuiet active noise cancelling headphones solves this issue and makes nearly everything sound even better than the specs suggest.


When the ANC switch is flipped On, a combination of 82% noise isolation at 1 kHz, and active noise cancellation that can lower noise by 22 decibels, does a surprisingly good job of amplifying the audio experience. Your child will get to appreciate the quality of their music and media, even when they are in loud surroundings.


Designed to Safeguard Children from Damaging their Ears


Parents will be glad to know that all PuroQuiet headphones are designed to protect children from hearing loss, which is far too common today, than it should be. At no point will the maximum volume go past 85 decibels, which is well within the limits of safety, and is not known to cause any damage to human ears.


Should You Buy One for Your Kid?


PuroQuiet On-Ear Active Noise Cancelling Headphones


If he/she is looking for a new pair of on-ear headphones, the PuroQuiet wireless ANC headphones are a great choice, especially for the price. The pair feels lightweight, in spite of being constructed chiefly with metal; something which creates an excellent first impression. More importantly though, the PuroQuiet headphones back up the good build with excellent sound quality, made to sound even better with active noise cancellation + isolation. Considering the fact that these headphones also come with an in-built volume limiter for preventing children from damaging their own ears with high volume  music, we can't find any reason why you shouldn't!


 


Tech-money-management

 

Between the ability to make a purchase from your mobile device at the push of a button to the fear of missing out that can leave you chasing every new iteration of your smartphone, technology has a way of making it easy to spend money. Balancing that is the fact that technology also makes it easier than ever to use your money wisely, get control of your spending habits and build wealth. The tips below can help you use tech for smart money management.

 

Comparison Shop

 

Even if you prefer to do your shopping in brick-and-mortar stores, you can look online to compare prices and make sure you're getting the best deal possible. Some products will scan for the best prices after you take a photo of the item or scan its barcode. However, comparison shopping online doesn't stop here. You can look for better rates on insurance, lower utility prices and better terms for loans. You can even find good opportunities for refinancing existing loans. These payments can be especially burdensome and the interest can add up over time, but if interest rates have fallen and your credit score has improved recently, you should be able to find lenders willing to refinance your student loan at a lower rate. With lower monthly payments, this can save you a great deal of money over the long term.

 

Plan for Retirement

 

Increasingly, Silicon Valley is realizing that they've been ignoring a market of baby boomers who are tech-savvy and maybe even investment-savvy but who still struggle to navigate the unfamiliar waters of retirement. A number of new products are starting to appear that offer a range of services. Time will tell which of these are useful enough to survive, but they include products that help retired people and people approaching retirement understand their options for Medicaid, Social Security and more. This is often unknown territory even for relatively financially sophisticated boomers. Some products offer a free version alongside a paid version that allows users to work with a financial adviser. Others are designed for financial advisers themselves, helping them design options that will create income generation for their retired clients.

 

Budgeting and Saving

 

In contrast, programs and apps that help you with budgeting and saving have been around for a while although there are always new and improved products hitting the market. The value of many of these tools is the degree to which they automate the process of tracking your spending and helping you budget. Many offer you the opportunity to connect your bank account. If you make most of your purchases electronically, this can give you a clear picture of your spending. This is handy information to have even if you don't need to do any hard-core budgeting. If you're working to get out of debt, it can be invaluable in helping you understand and change your habits to save more. Using tech can also be a great way to get your children more interested in learning about finances and making responsible choices with money with apps developed particularly for certain age groups that gamify or otherwise make the process fun.

 

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