Thе ѕреndіng hаbіt оf nеtіzеnѕ аrе сhаngіng tоwаrdѕ сrурt-саrdѕ


Our lіfе hаѕ bееn сhаngеd bу thе nеw tесhnоlоgіеѕ аnd mоnеу іѕ nоt аn еxсерtіоn. Thе trаdіtіоnаl wауѕ оf thе mоnеtаrу еxсhаngе hаvе dеvеlореd іntо еlесtrоnіс оnеѕ. Nоwаdауѕ, еlесtrоnіс mоnеу hаѕ bесоmе іnсrеаѕіnglу рорulаr аmоng реорlе аrоund thе wоrld. And thіѕ іѕ nоt ѕurрrіѕіng, bесаuѕе іt іѕ rеаllу соnvеnіеnt wау fоr:

  • ѕіtе оwnеrѕ, whо саn uѕе еlесtrоnіс mоnеу tо рау аlmоѕt аll thе ѕеrvісеѕ thаt аrе rеquіrеd fоr nоrmаl funсtіоnіng оf thеіr wеbѕіtеѕ;
  • еmрlоуеrѕ, whо hаvе орроrtunіtу tо рау fоr wоrk tо frееlаnсеrѕ;
  • Intеrnеt uѕеrѕ, whо саn рау fоr dіffеrеnt gооdѕ аnd ѕеrvісеѕ іn оn-lіnе ѕhорѕ, рау fоr utіlіtіеѕ, vаrіоuѕ fіnеѕ аnd еvеn fоr ѕtауіng іn thе hоtе
  • Tо undеrѕtаnd whу еlесtrоnіс mоnеу іѕ ѕо рорulаr lеt’ѕ сlаrіfу whаt іѕ іt аnd whаt іѕ thе рlасе оf е-mоnеу іn ѕсhеmе оf thе рауmеnt іnѕtrumеntѕ.


E-mоnеу аnd оthеr fоrmѕ оf mоnеу

Whаt аrе thе mаіn dіffеrеnсеѕ bеtwееn е-mоnеу аnd оthеr fоrmѕ оf mоnеу?

Fіrѕtlу, е-mоnеу рrоduсtѕ uѕе сrурtоgrарhу tо аuthеntісаtе аnd рrоtесt trаnѕасtіоnѕ, unlіkе саѕh, whісh оnlу рhуѕісаl ѕесurіtу fеаturеѕ аrе uѕеd fоr. Sесоndlу, е-mоnеу dоеѕ nоt nееd tо bе рhуѕісаllу еxсhаngеd lіkе bаnknоtеѕ аnd соіnѕ. In thіѕ wау, іt саn bе mоrе соmfоrtаblе uѕеd fоr rеmоtе рауmеntѕ. Fіnаllу, unlіkе саѕh, еlесtrоnіс mоnеу rесеіvеd bу thе bеnеfісіаrу саnnоt bе uѕеd аgаіn.


Whаt аrе thе аdvаntаgеѕ оf е-mоnеу?

Cоnѕumеr соnvеnіеnсе. Cоnѕumеr nо lоngеr nееdѕ tо соunt, расk аnd trаnѕроrt е-mоnеу.
Lоw fееѕ fоr trаnѕасtіоnѕ. Trаnѕасtіоnѕ іnѕіdе thе еlесtrоnіс рауmеnt ѕуѕtеm іѕ nоt еxреnѕіvе thаt’ѕ whу соnѕumеrѕ fіnd е-mоnеу uѕеful fоr ѕmаll trаnѕасtіоnѕ.
Pауеr аnоnуmіtу. E-mоnеу trаnѕасtіоnѕ оftеn hарреn оn thе Intеrnеt thrоugh аn оnlіnе gаtеwау whеrе thе іdеntіtу оf thе рауеr іѕ ѕесurеd.
Sесurіtу. Thе е-mоnеу саn nоt bе соріеd аnd rеuѕеd whеn оnсе іt wаѕ ѕреnt оvеr.
Rесоrd оf trаnѕасtіоnѕ. Eасh trаnѕасtіоn іѕ rесоrdеd bоth іn thе ѕуѕtеm аnd іn thе uѕеr’ѕ ассоuntѕ.
Indереndеnсе. Uѕuаllу е-mоnеу dоеѕ nоt dереndеnt оn аnу uѕеr lосаtіоn. It саn bе uѕеd аnуtіmе аnd аnуwhеrе.
Dіvіѕіbіlіtу. A quаntіtу оf е-mоnеу саn bе ѕubdіvіdеd іntо ѕmаllеr раrtѕ оf mоnеу.On thе оthеr hаnd, е-mоnеу hаѕ ѕоmе dіѕаdvаntаgеѕ. Thе mаіn dіѕаdvаntаgе іѕ thаt thе еmіѕѕіоn оf еlесtrоnіс mоnеу іѕ guаrаntееd оnlу bу thе іѕѕuеr, thе ѕtаtе dоеѕ nоt gіvе аnу guаrаntееѕ. Anоthеr dіѕаdvаntаgе іѕ thаt еlесtrоnіс mоnеу еxіѕtѕ оnlу іn thе frаmеwоrk оf thе ѕуѕtеm іn whісh thеу wеrе іѕѕuеd. Tо еxсhаngе оnе tуре оf е-mоnеу tо аnоthеr уоu саn uѕе rеlіаblе аnd truѕtеd еxсhаngе ѕеrvісе. And fіnаllу, іn саѕе оf рhуѕісаl dеѕtruсtіоn оf thе ѕtоrаgе dеvісе, іt іѕ іmроѕѕіblе tо rеѕtоrе thе mоnеtаrу vаluе оf е-mоnеу.


Whаt fасtоrѕ соuld іnсrеаѕе іmроrtаnсе оf е-mоnеу іn thе futurе?
Innоvаtіvе mоbіlе рауmеnt ѕуѕtеmѕ thаt соuld ѕtіmulаtе grоwth оf саrd-bаѕеd е-mоnеу uѕаgе. Mоbіlе wаllеtѕ оn thе ѕmаrtрhоnеѕ gіvе реорlе орроrtunіtу tо рау vіа thе Intеrnеt wіth а vіrtuаl сrеdіt саrd thаt hаѕ bееn ѕtоrеd dіgіtаllу.
Thе dіgіtаlіѕаtіоn оf fіnаnсіаl ѕеrvісеѕ thаt соuldѕtіmulаtе grоwth оf nеtwоrk-bаѕеd е-mоnеу uѕаgе. Thе ѕсhеmеѕ оf thіѕ tуре оf mоnеу аllоw tо mаkе аnоnуmоuѕ рауmеnt аt а сhеареr соѕt thаn оthеr оnеѕ.
Vіrtuаl е-mоnеу, lіkе Bіtсоіn, thаt ѕрrеаdѕ rеаllу quісklу аnd hаѕ а lоt оf роtеntіаl uѕеrѕ. Bіtсоіn іѕ а рееr-tо-рееr vеrѕіоn оf е-mоnеу thаt аllоwѕ оnlіnе рауmеntѕ tо bе ѕеnt dіrесtlу frоm thе рауеr tо thе рауее wіthоut gоіng thrоugh а fіnаnсіаl іnѕtіtutіоn.
Pауmеnt рrосеѕѕіng соѕt rеduсtіоn, е-соmmеrсе grоwth аnd dесrеаѕе оf tесhnоlоgу соѕtѕ аrе ѕtіmulаtіng еxраnѕіоn оf еlесtrоnіс mоnеу uѕаgе.
Aссоrdіng tо thе ѕtаtіѕtіс dаtа, thе tоtаl аmоunt оf е-mоnеу trаnѕасtіоnѕ hаvе іnсrеаѕеd ѕіgnіfісаntlу. Onlу іn Eurореаn Unіоn оvеr thе реrіоd frоm 2010 tо 2015 numbеr оf е-mоnеу trаnѕасtіоnѕ rоѕе frоm 1090 tо 3500 mіllіоnѕ. Thіѕ trеnd іѕ аlѕо rеlеvаnt іn thе рrеѕеnt mоmеnt.



Is ShopClues the worst e-commerce site?

Shopclues was low on profile with respect to the current top online shopping sites in India until they started to offer jaw-dropping deals on products with an eye-catching price tag. Now what lies behind their whooping heavy discounts is their worst customer services, worst after sales service, replacement/refund claims, poor quality products, the poor delivery which sometimes even lead to fraudulent business. I have been a victim of their poor services, replacement policy, poor quality product/duplicate items and poor delivery. This point has led me to investigate whether if I am the only one who experienced their poor services or if they actually are poor at delivering a better experience to the customers and this is what I collected so far from the customers of ShopClues:

Worst Delivery – Wait Wait until you get pissed off

The First thing you observe about this company is their poor delivery period. They make you wait and keep waiting for the product. Customers keep calling the customer care number and their support email which again is non-responsive and productive in nature. The long wait later usually result in the refund of the money you paid (excluding any taxes) which again isn’t instant. You are made to wait some more days for the refund money to get credited to your source bank.

Duplicate Product – Poor Quality products

The product they ships sometimes turns out to be fake/inferior quality/replica of original / damaged / missing accessories/ seal opened state.

Amazed? Still, lot to think about their refund policy and replacement policy

Yes, they do mention that they refund the amount under certain conditions, but even if the conditions is met they fail to refund the money which you paid. You will go nuts contacting them and wait for a response from the team. No actions, no refunds would take place any sooner. Many are victims of this lame act by shopclues and hence we request all the online shoppers to refrain from visiting ShopClues if you do not wish to be get cheated by them.


ShopClues is like a lucky draw, if you are lucky you get the right product with right delivery and if not you get the worst experience. The happy customers of them are those who are attracted towards the cheap pricing who ignores the late delivery and other services for the fact that they are getting it cheaper from other sites. Now, for those who are serious online shoppers and wish to get the right product at right time with product guarantee and better service, ShopClues is a complete “NO”.

How does e-commerce website really operate?

If you are planning to set up an eCommerce store of your own, the site must encompass the essential features so that you stand out amidst competition. Understanding that most companies are taking up the eCommerce path to bag quick profit and boost ROI, hence I have compiled a list of features that will help the eCommerce websites to become equipped for online sales.

· Search Box

eCommerce gurus say that a well-placed and positioned search box will allow the visitors to quickly search for the product that they are looking for.

· Featured Products

When an eCommerce store displays featured products on the home page or on the side columns of the website, it will let the visitors know about the top selling products, sales offer or even general products to enhance the visibility.

· Related product

This is an outstanding feature that will display the visitors what are the other products they can be bought along with what they are presently viewing. When the related products are positioned/placed with a heading (such as a customer who purchased this also bought this), it will let the users/visitors to buy more than one item at once.

· Newsletter Subscription

It let the users to share their email address to stay updated with the recent promotional offers. This will also allow you to create your mailing list based on your personal requirements needed for marketing campaigns.

· Product zoom

It is believed that an efficient zoom feature for the product images offers great benefit because it let the visitors to identify and find out the smaller nuances of your products, which works well.

A good zoom feature is capable of bringing out the finer details in a product.

· Categories

If an eCommerce store has clear and well-defined categories for product listing, it helps the end consumers considerably. The categories should be displayed somewhere they can be easily accessed by the users (for example – either across the top or on the side columns)

· Efficient Payment Gateway

Selecting the perfect payment gateway solution for an eCommerce store offers assurance and peace of mind to the visitors. It is always a better idea to select a merchant account that can be easily used by the visitors and not tough to handle.

· Privacy Policy

It is mandatory for every eCommerce store to put forth their Privacy Policy link in the footer so that users understand how the firm operates/functions.

· Client centric return policy

Study proves that online buyers prefer to opt for a business that provides a suitable return policy so that returning of products isn’t a tough task.

One can say that a good policy is capable of boosting sales.

· Customer login & registration

It is necessary for an eCommerce store to allow the customers to register on your website, so they don’t have to worry about filling in all the billing and payment details time and again. This allows the users to be flexible and quickly check out.

· Attractive graphics

Every eCommerce store owner should emphasis upon making efficient use of graphics banners and images on the site with the aim to lure visitors and display the sales promotions.

· In-depth delivery Information

It is key to inform the buyers how the products will be delivered to the customers.

· News & Events

This section informs the visitors about the new product launch, events, and other relevant news that benefit the end users. In this regard, using a blogging platform can come in handy to achieve maximum visibility.

· Social Media Presence

Since the use of social media use has gone up considerably, it is key for every eCommerce business to ensure robust presence across multiple channels so that it is easy to enhance the clientele base. Many online businesses rampantly use social channels for offering round the clock client support for resolving queries and address issues.

Pitfalls :E-commerce website’s sales dropdown

The primary step to getting back on the right track to trace or identify the challenges faced by your business. Some pitfalls are mentioned below based on the consumer review.

  1. Price Doesn’t Match Competitors:

Price is one of the most important criteria to shop from your website. If your price is too high from your competitor, then you will definitely loss the business.  Always give the competitive prices on your eCommerce website. Keeping a close eye on your competition can help you determine what is selling and what has been removed from the storefront.

  1. Narrow Product Selection

This is the one of the problem that customer faced during shopping from your website. You should provide the wider range of the items so that customer will choose and compare the items.

  1. Errors in Site Functionality

There are many errors occur in the site functionality like server down, Checkout button is not working, filters are not working and many more.You will lose the business due to these errors

  1. Excessive Load Times

The customer is impatient and wants instant results, so site speed is a common complaint. To increase the speed, you have to fixup the error.

  1. Ineffective Search and Challenging Navigation

When Search bar is not working properly or tagging is not done properly, the customer will impatient and go to some another site. Organise your site so that your bestsellers and most profitable items are easy to find, and your various pages are logically organised and quickly locatable.

  1. Minimal Search Engine Optimisation

SEO(0n page and off page )  provides a business visibility, branding, more web traffic, a high ROI, credibility, and insight into customer behaviour. Minimal Seo reduces the traffic which has adverse on your e-commerce business.

  1. Sizes Don’t Fit as Expected

In the most of the e-commerce site, the size chart is incorrect which frustrate the customer while checking the return /replacing policies.The easily accessible size-measuring tool is a must for keeping customers happy.

  1. Discounts and Promotion Codes Can’t be Applied

Hard to find promotional code boxes are a frequent complaint among consumers

9. Poor Quality Images

Eye-tracking research shows that web users will scan a page first, and then read it. This means that product images are vital in determining the focal point of a page. So don’t use poor quality images. Videos will increase the sales.

  1. Market Tactics
  • Keeping Your Thumb on the Pulse of Your eCommerce Business
  • Digital Marketing
  • Blogs


Which is the best app for school?

It is possible to peruse top educational offerings in the app store, but identifying the best ones is a tough task and demand attention. While some are developed keeping the needs of the high school students in mind, few are meant for the college graduates. There are apps available for teachers, educators and trainers as well. In simple words, the education industry is currently flooded with multiple apps.

Whether you are eyeing to exercise your mind, organise your coursework or enhance your knowledge, the app store can spoil you with multiple choices. Understanding that the demand for educational apps is growing at a rapid pace, I have listed out some of the top ones to help students and teachers choose the right one.

• Ready4SAT – Ready4’s series of test prep apps such as Ready4 SAT is famous among the students as this free app matches the potential SAT score with schools and academic programs across the globe.

• Photomath app – This useful app is meant for the high-school students who require guidance on how to isolate “x” in their algebra homework. Students can click a pic of the question if they are feeling lazy to write or type, and the app will quickly offer solution into separate steps.

• GradeProof app – Currently available only on iOS, this free app allow students to improve their writing style, check for originality and find out complex grammatical issues that are missed by other word processors. Students consider this app as the most efficient pocket writing coach.

• edX app – This app allows anyone with a smartphone to learn from top-notch higher educational institutions(MIT and McGill) and earn a certificate. The students can study from the online lectures, take quizzes, and complete assignments as per their own convenience.


One thing runs common among the above-mentioned educational apps. All of them have been successful in luring the attention of the audiences due to its ability to offer what the consumers want apart from focusing on simplicity to boost interaction.

So, if you are planning to launch an educational app, it is key to understand what the audiences want and identify the varied ways to make it interactive.

Basic psychological patterns drive the user behavior on an e-commerce website

I am of the opinion that every eCommerce shopper is unique and it is best to categorise him or her broadly. Many visit with a particular product in mind. Some decide what to buy only after visiting the eStore and reviewing the product offerings. Hence, all the varied elements of an eCommerce site are significant to ensure the success of the platform ranging from product images to descriptions to registration to checkout. But every shopper has their own preferences and rely on different elements.

When a design team is able to identify the user types, it becomes easy to create user-friendly experiences for all type/kind of shoppers. My experience of working in the eCommerce domain suggests that every shopper type has his/her unique requirements.

According to me, there are five main shopper types –

 Product focused

This category of shoppers is aware of what they require. They have a possible replacement for something they already have. They are research-driven and purchase products that they require. Since these shoppers love to research, they have probably visited brick-and-mortar stores already but inclined to opt for online purchases. They know what they want and hence want the web platform to meet their requirement quickly.

They are not probably interested in browsing the complete site and not keen to look at product descriptions. If they have located what they want, they will purchase it quickly. They may not be in a hurry but do not prefer to linger around.

Some of the essential elements for product-focused shoppers comprise –

  • Based on descriptive names and clear product images, clear identification of every product
  • An easy to use, efficient search that helps to locate items of interest
  • Quick access to past bought products for the purpose of reorder
  • A streamlined checkout to get users in and out as fast as possible


These shoppers are categorised as ‘leisurely shoppers’ who visit a store either for inspiration or to pass the time. They are keen to stay updated with the current trends, think about future purchases, or plan their next shopping trip by browsing the eCommerce platforms.

This can work in favour of a business as consumers want to spend time with your venture/brand and also a close possibility of their becoming potential customers. They want to find out what’s new/what’s popular/what’s on sale. When this section of shoppers visits your site regularly, they are obviously looking for new information instead of seeing what they saw last week. Latest items, deals, what others are purchasing, suggested products, top-selling products, popular products, and top-ranked products can lure the attention of the browsing shoppers.

Some of the essential elements for browsing shoppers comprise-

  • Listings of the new, popular, and sale products
  •  Access to new inventory via related links and recommended products
  •  Ability to share details about specific products they prefer/ like

Bargain Seekers

Bargain seekers are always on the lookout for the best deal possible. Bargain-hunting behaviour is expected to impact the other types of shoppers. Few shoppers only choose to buy when they get the best bargains. They want to identify the best deals. Hence, for this category of shoppers prices should be clearly listed. In fact, the sale items should be properly highlighted and enjoy enhanced visibility (mentioning the savings made).

It is possible to transform the bargain hunters into repeat customers. Every eCommerce portal should focus upon sending coupons, providing discounts and offer the shoppers free shipping even with minimum purchases to lure this type of consumers.

Some of the key elements for this type of shoppers include –

  • Making the sale items visible along with the full-priced inventory. Provide a clear section for the discounted products as well.
  • Listing of the product prices, discounts and the savings.
  • Permitting the shoppers to easily redeem coupons.

One-time shoppers

This variant of the shoppers is a culmination of a lot of things – product driven, simple browsing, bargain seekers or probably just researching. The one-time shoppers are the ones who receive gift card buyers, simple gift buyers or even gift card recipients. They have a target/goal in mind when they decide to visit an eStore. There are high chances that they won’t visit the site after the purchase is completed as they are only interested in meeting the one-time need.

Since this type of shoppers have low chances of knowing how the eCommerce store works, it becomes mandatory for the store owner to comprise clear site navigation. It is believed that a clear product description enhances their shopping experience.

The one-time shoppers often complain about the lengthy registration process. According to most of them, registration and checkout are time-consuming. They prefer and like to visit those platforms that let them opt for a purchase without creating an account or allow guest checkout.

Some of the important elements to consider for one-time shoppers comprise-

  • Clear site navigation
  • Full product descriptions
  • Clear company details
  • Allowing purchase without registration


I agree with the eCommerce industry experts that top-notch user experience is a must for all shoppers but varied elements assume relevance based on the end target of the shoppers. When the designs are implemented with the user types in mind, the shopping experience only gets better