How the Internet is Reshaping Finance

How the Internet is Reshaping Finance

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Like the future of many different industries, the future of the finance sector looks much more uncertain since the dawn of the internet and the rapid advancements in technology. There have been so many different changes already, but more are set to come in the near future. In this article, we are going to talk through just a few of the changes which have taken place over the past few years, as well as looking closer at what may be just around the corner.


Instead of having to rely on traditional loans to get a business off the ground or launch a project, people are now able to appeal to individuals and organizations using crowdfunding platforms. Not so long ago, equity stakes in companies were only available to a few privileged individuals. Now, they are much more accessible. And if you have a venture of your own that you would like to launch, you don’t have to leave yourself at the mercy of the banks to get approval.

Digital Banking

Over the past few years, we have started to see the launch of banks which are not fixed to specific countries. Instead, they are available with entirely online services. Many of them are focusing their attention on providing higher interest rates and cutting back on the bureaucracy of traditional banking institutions. Essentially, they are putting all their time and attention into operating in a slicker way than their real-life counterparts.


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Online payments have been around for quite a few years now, and they have made it so much easier for vast sums of cash to move from one place to another. However, many banks rely on charging fees for transfers. There are many tech finance companies which are currently working on making this easier and taking away the burden of high fees. Collecting payment is critical to businesses and economies all around the world, and there have been plenty of changes in the ways in which this is done over the past few years.

Digital Currencies

Bitcoin is the cryptocurrency which has generated the most coverage and attention over the past few weeks and months, but it is only one of hundreds of these online monetary forms which are out there. While some people are seeing these currencies as a modern form of gold, others think that they exist in a bubble that is bound to burst at some point in the near future. Only time will tell who is correct and what sort of huge developments could be coming.


You may not have heard much about blockchain before, but essentially, this is what provide the underlying technology for Bitcoin and similar online currency systems. Some technologists look at Blockchain as being something which will have as big an impact on our lives as the internet has done. Companies like are already firmly established in this field. People with an interest in finance should certainly watch out for Blockchain developments in the near future.

Comparison Websites

In days gone by, comparing the various services that you could get in the financial sector was a time-consuming process, which involved a lot of research. Nowadays, you can easily get all the information in a single place thanks to comparison websites. So, you can check out the different interest rates which are available, as well as any charges which you may face. This increased sense of transparency helps to transfer a greater degree of power to consumers.

Wealth Management

As computers continue to get smarter and understand more information about us, there is likely to be less of a need for asset managers and analysts. And this is likely to end up lowering the fees needed to obtain the service of a wealth manager and make this a more accessible field for more people. Since they can collect so much data in one place, it is highly probable that AI will be able to manage your assets in a better way than humans ever could.

There is no doubt that the world of finance has already been given a huge shake-up, but this is something which looks set to continue in the coming months and years. Essentially, things are changing at such a rapid rate that it appears very difficult to know what direction we are going to head in the future. But these are just a few of the trends which have occurred in recent years which look set to continue.  

3 Marketing Tools Your Business Should Be Using

3 Marketing Tools Your Business Should Be Using

A good marketing campaign is at the heart of all successful businesses. Good staff is one of the things that makes a brilliant marketing department but it’s not the whole picture. There are so many amazing marketing tools out there and if you’re not making good use of them, you won’t get the best results possible. These are the marketing tools that all businesses need to be using.


Social Media Scheduling

If you don’t know by now that social media is vital to your marketing campaign, you need a reality check. Even if you do know that, you might not be getting it right. When you’re writing social media posts there are so many things to consider. You need to get the tone right, make sure you’re building a following of the right customers, and create great content to post. But even if you get all of that spot on, that doesn’t necessarily mean you’ll find success. The time of day that you post on social media is more important than a lot of people realise. The best time of day to post depends on the type of business and the platform so there’s no simple formula. In general, you need to think about when people are most likely to be actively scrolling through their news feed. Social media scheduling tools are great for this because you can set up all of your posts at the beginning of the week and put them out at times when you’re most likely to get a good response. It also saves you a lot of time because you can do it all on one day rather than spending time setting up posts every single day. Visit for one of the best ones out there right now. You can get a 30-day free trial to see how it could benefit you.

Email Marketing Software

Email marketing is one of the best ways to get repeat customers which is why every business should be making good use of it. Creating great newsletters with details of your latest products and any developments in the business is the best way to keep customers coming back time and time again. People often think that it’s easy, just write an email and send it out but there’s more to it than that. That’s why you need good email marketing software to help you build a subscriber list and create emails that get results. You can find the best one at You can use it to reach the right people with marketing materials that will inspire sales.

CRM Software

Customer relationship management software is an absolute must if you want to give good customer service. It helps you to track any interaction that you have with customers and what the outcome is. That information is so valuable because it can help you to identify the aspects of your customer service that need updating so you can always give customers the best possible service.


If you want to get good results from your marketing campaigns, you need to make good use of these incredible tools.  

Why is Driving Getting More Dangerous?

Why is Driving Getting More Dangerous?

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Though cars are now designed specifically to keep us as safe as possible should a collision occur, it often feels like the roads are getting more and more dangerous. Part of this is simply that more people are driving – and driving regularly – than ever before – but this can’t be the only reason that the number of injuries and fatalities are going up.

People are more distracted while they are driving and often have a lot of things competing for their attention at once. Combine this will spending more time on the road and an excessive amount of technology and you have the perfect storm for getting into an accident.

But before you start to panic and start searching for more information about accident help, there are some things you can do to improve your driving and ensure that – on your side, at least – good skills are being shown.

Minimize Distractions

The first thing that all drivers should do is minimize the number of distractions they could get caught out by. If you are driving with kids, make sure that they understand that you need to concentrate on the road and not on them. Be clear about what is safe behaviour and what isn’t and don’t be hesitant to pull over if your kids are distracting you to make sure they calm down before you continue.

Your phone is another source of easy distraction. Make sure that you put it out of reach and don’t use it while you drive. If you think you might struggle to resist the temptation, use the driving mode or turn it off completely until you reach your destination. Alternatively, if you have a car with Bluetooth, you can connect your phone and use it hands-free.


Never drink and drive.

Be Smart with Your Time on the Road

If you are planning a long journey, you should always factor in rest stops to make sure that you are fully alert on the road. Another good idea is to use public transport instead so that you don’t have to focus on the road at all.

Lots of people have a long commute time and this can be quite dangerous – especially if you are tired after a long day at work. See if you can reduce this time by working from home a few days a week or using flexible working to avoid rush hour traffic.

Technology as a Help and a Hinderance

The technology used in cars is brilliant for a lot of things, but sometimes it can be more of a distraction than a help. For example, sat nav is ideal for getting you somewhere new but if you spend too long focusing on the instructions and not on the road, you could easily get into a pickle.

Always think carefully before using a technology and pull over if you are spending more time concentrating on the tech than the road. Plan your routes ahead of time to get a feel for where you are going too.

Giving Back As A Business

Giving Back As A Business

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Running a business isn’t all about focusing on personal gain.  Giving something back to your community can have its own benefits, including boosting employee morale and customer trust. There are lots of ways in which you can integrate social responsibility into your business model. Here are just five ways in which you can give back as a business.

Donate money to charity

Giving money to charity is the most obvious way of giving back. There are lots of ways to donate money to charity. You could accept donations from customers using services as found at or you could get employees to donate money. This could involve organising a fundraising event or collecting money in a donation jar. You could even donate a percentage of your profits on a weekly or monthly basis. It’s important to find a cause that personally appeals to you – you could work with an existing charity or create your very own charity in which you have more control over where your money ends up.

Go green

Another way of giving back could be to embrace a few eco-friendly ideas. By going paperless or using solar power instead of fossil fuels, you could help to give back to the environment. Going green can also save you money in many cases, whether its cutting out the cost of buying paper or preventing you from ever having to pay an energy bill again. It’s also good for your public reputation – many modern consumers are environmentally conscious and respect companies that take steps to save the planet. You can discovers ways to make your business green by reading blogs online.

Share your expertise

Sharing your expertise could be another way of giving back. This could include organising a seminar to help teach skills to fellow budding professionals. You could also share your expertise through blog posts or through Youtube videos. Sharing your knowledge can be great for your credibility, helping to gain trust from customers. Companies like offer more advice on how to share your expertise.

Support your local community

You may also be able to give back by supporting projects and causes in your local community. There may be startups that could use your funding or construction projects that need financial backing. You may also be able to use your influence to promote events and projects in your neighbourhood that you think deserve the attention.

Reward your employees

Rewarding your employees could be another way of giving back to society. Beyond offering good wages, there could be incentives you could offer to improve your employees’ quality of life such as gym discounts, free meals or even a company car. Such rewards can encourage employees to stay within your company as well as motivating them to be more productive.  


Small Changes Mean Big For Small Businesses

Small Changes Mean Big For Small Businesses

May hosts the one time in the year that we all come together to honor small businesses and their entrepreneurs. There are approximately 30 million people in America that are pushing their small businesses into the big leagues, doing better for themselves and simultaneously boosting the economy. It’s these people that we have to thank for the fact that the economy has done a slow but steady turn around.

With the tax reforms and policy changes that have been slowly coming out, those who are invested in small business have their optimism at an all-time high. It’s not a secret that getting a small business off the ground has not been easy in recent years, with many hopeful entrepreneurs turned away by financial institutions and put off by tax laws and reforms that have gone against them. The over-regulation of small businesses as effectively squashed the excitement from those wanting to start out on their own, but thankfully, this is now lifting. This allows for a little light relief, allowing small business owners across America to now thrive in an economy that is friendlier to them.

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Earlier this year, Congress released a tax reform that has been coined ‘once in a generation’, which has allowed for many businesses to loosen the belt and allow for growth, salary expansion and their benefits to their employees to increase. Small business owners everywhere are rejoicing at the financial freedom they will be able to gain back from the reform. Speaking of reforms, Senator Mike Crapo of Idaho has been a big part in changing the legislation surrounding the Dodd-Frank Act. The change here will allow entrepreneurs access to cash they would need to allow their businesses to grow. It’s a small change but it’s going to have a massive impact on the small businesses country-wide.

The whole idea of these reforms is to allow the economy to recover from the downturn and the regulations that were too restrictive on entrepreneurs. The result will be that unemployment levels will reduce significantly, and the economy can be stronger than it ever has been before. Small businesses make a difference to the state of the economy as it’s these smaller outfits that hire more people, build an empire and are now able to grow as they’ve always planned to grow. With Congress working hard to slash taxes and lighten the load on business regulations, small businesses that were cramped down and too boxed in to spread out are now spreading their wings and flying. For America, this means a boosted economy, happier employees with better pay and happy bosses with more revenue being pumped in and out of their business for the right reasons. Many people think that small changes cannot affect them, but these small reforms mean a big deal with small business owners.

It’s good to know that Congress is sitting up and taking notice of the smaller outfits and businesses that are contributing to the local communities and it makes a refreshing change to see taxes cut!


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