4 Powerful Benefits Of Offering Digital Wallets

Businesses have more choices when it comes to payment options for their online and offline customers. According to John Rampton, serial entrepreneur and investor in the payments industry, “We are seeing a real shift in the payments industry based on consumer and business adoption of more cashless payments for online and in-store purchases. It’s opened up more options for consumers and those in business to participate where previously they were unable to while providing merchants and businesses with more ways to attract customers.

One of these new transaction methods is a digital wallet, which can provide some key advantages for small and mid-sized businesses.

Defining the Digital Wallet

“A digital wallet is just like it sounds,” notes Chalmers Brown, CTO of eCash, a mobile wallet and digital currency company. “It’s a place to store money or, in this, case financial information like credit card and debit card numbers, site passwords, loyalty cards, and membership cards. This digital payment device replaces a physical wallet with a computer or smartphone so that transactions can occur in a retail store with a smartphone app or online with a desktop app.”

Despite technology and these advancements, what has happened is that payment options have become more complex and increased in the number of choices. There are checks, paper money and coins, debit or credit cards and PayPal type services. The choice of which to use is often made right at the point of purchase. However, having a digital wallet for this process can now simplify our lives. The decision on what to use is made once and default payment choices are made for different transactions.

Hell Bound Digital Wallet

After that, we can simply go on and get done with what we need without revisiting this decision, time and time again, at the point of sale. Instead, we scan our finger, swipe or do a PIN pad entry. The digital wallet also keeps track of balances and payments. It’s a system that all types of demographics can learn to love very easily for the convenience and security.

Numerous digital wallet providers are available to help your business, including those that add a module to your online store and checkout process. These are also possible to add for point-of-sale transactions by incorporating hardware that contains technology like near-field communication (NFC) technology so you can accept and read digital wallets used by customers in your store.

Numerous companies have also made digital wallets available to customers, including Google, Samsung, and Apple. In fact, it was the introduction of these digital wallets that researchers believe is now increasing their use. In a white paper from Mobile Payments Today, entitled, Mobile Wallets 101, statistics included from Blackhawk Network that found that “25 percent of respondents had an
app incorporating mobile wallet capability on their smart- phones. The survey also found that 14 percent of respondents had made a mobile payment from their smartphone
or tablet, and that 18 percent of consumers had used alternative payment methods such as mobile wallets, Apple Pay or Bitcoin. Also, 68 percent of mobile payment users reported that they were using alternative payment methods more in 2015 than last year.

Providing Key Benefits

There are many reasons to consider using digital wallets in your small to mid-size business:

  • A digital wallet provides a seamless experience by simplifying the purchase process with stored customer payment data.
  • Once the purchase experience is simplified, more customers are likely to continue their shopping and complete their purchases. When the process is long and drawn out, customers often abandon their online shopping carts.
  • A digital wallet payment option is a nice addition to the traditional payment choices that may take some time to catch on but that illustrates your willingness to adapt with the times.
  • A digital wallet option for any loyalty program a company uses is instantly improved due to the ease of use and never forgetting the physical card when it’s needed the most. With more customers now likely to use their digital version of their loyalty cards, businesses can get the true value from those programs. GPS location data could even be integrated to further add value for the business and customers with special localized offers and other perks that keep them coming back for more.

Remaining Challenges

Despite these benefits and gradual adoption, other surveys show that digital wallets are a low priority for consumers. The same white paper from Mobile Payments Today noted a 2015 Gallup survey that said only 13% of the 17,000 consumers surveyed had a digital wallet on their smartphone.

The primary reason that adoption has remained somewhat low with digital wallets has to do with security concerns. The primary concerns were hackers or what might happen to their digital wallets and the critical data within them if they lost their smartphone or had them stolen. Many respondents also noted that they did not know enough about digital wallets to make a decision on whether or not to have one.

The other main challenge with digital wallets is getting more merchants to accept them. Since it involves a change in equipment, many merchants have hesitated either due to the investment or the same lack of knowledge about the real value of accepting digital wallets from their customers for transactions.

While these challenges remain, they are slowly being addressed by the wave of digital wallet technology and options by recognized brands like Visa and PayPal. These brands are taking the time to provide information on security and benefits to further convince consumers and businesses that this type of cashless future will be more convenient and safer than carrying a pocket full of plastic cards.

Top 5 Android Apps For Job Seekers

As the saying goes, do not trust on three W’s Work, Weather and Women. The saying is pretty popular in UK and some European countries. Today’s topic revolves around first W which is Work, we shall talk about other two W’s some other time.

World population is increasing at a steady pace and more graduates are pumped into job market every year and this has made it extremely competitive to get jobs. Even if you are book smart, you need to be street smart and creative enough to stand out of crowd, have excellent communication and interpersonal skills to be considered. Today, we have compiled a list of Android apps, which if used wisely can help you secure your dream job.

1. Twitter

Twitter App for RecruitmentYou might be thinking, WHAT? well, let me explain. This feature revolves around creative ways of finding jobs and Twitter can definitely be used in a creative way to find work. The idea goes like this. Setup your Twitter account, fill all the relevant details in the background image and bio section. Once all setup, start tweeting topics of your interest, be sure you don’t post anything which can be held against you when you start to market yourself for jobs. Once you have built a good bit of follower ship, start following companies of your interest.

A lot of companies which recruit in specialised categories, such as Marketing Ecommerce Recruitment post new vacancies on Twitter and other Social Media channels. Look out for such updates, set alerts and once you spot such activity, act smartly and reply to the tweets. You will most likely end up sharing couple of tweets with them and if you are good fit, you will be asked to send your CV and resume. You can also use hashtags to  expand your job search, a good example would be to use hash tags like this #marketingjobs  or #ecommercejobs. Click here to download.

2. LinkedIn

Linkedin Recruitment AppLinkedIn is massively popular social network for professionals across the globe. The company reported 187 million users earlier this September. Company provided further statistics which proves that majority of LinkedIn users are outside USA, so the good chance is LinkedIn users are spread evenly across the globe or at least in English speaking countries. People who have LinkedIn profiles and connect to relevant professionals in their fields, know the significance of LinkedIn. I have been invited for interviews through LinkedIn myself and if it can work for me, it can work for you too, all you need to do is network with right set of people.

What I would suggest is, find the companies you want to work for, then join them and start to look for employees. You can then look at the groups they have joined, if that interest you, you should join them as well and post around, participate in threads started by employees and engage with them.  LinkedIn has a nice android app which can help you with your job search. Download it for free.

3. Linkup

Link Up For WorkThere are so many recruitment agencies and job websites that it has become almost impossible to keep track of all the vacancies. Linkup came with a smart idea and developed an app for android users. It grabs all open vacancies from different job and organisation websites and publish them in a presentable manner. The app is highly productive if you are on the move.

This App was last updated in February 15, 2010 and has 3.8 star rating. The app currently only searches for US based jobs, which is a major drawback. You need to have at least android 1.5 and above for this app to work on your device.

Linkup is 144kb in size and can be downloaded here free of charge.

4. Indeed.com App

Indeed Job AppsIndeed.com is a worldwide Job search engine which works like Google and other search engines. They have very nice and simple interface. Indeed’s strength lies in their in-depth search, all relevant results are pulled out of their database at Godspeed!

This app has competitive edge over linkup as it works for several countries, which is probably why it has been downloaded for more than 5 million times.

If you allow the app to detect your local location, it shall try to find you jobs located nearby making whole process quicker. Indeed.com has done a great job with their app, the amount of positive feedback reflects the quality and usefulness of this product. This app like other apps we have mentioned earlier is free to download.

5. Career Builder

CareerBuilder Android App for JobsThe last app in our list is job search app by Careerbuilder.com. Career builder has recognized themselves as one of leading recruitment site. Their most recent version 2.3.1 was released in November 16, 2012. This indicates that company is serious about their app. Some of core features of this app include the following.

  • If you have Careerbuilder account, you can apply directly from the app.
  • Searches nearby jobs.
  • Get job recommendations and save them for later review.
  • Possibility to attach resume from your phone. You can also apply for jobs without logging into your account.

The overall rating of app is 3.6 and requires android v 2.2 and above for successful installation. It has been downloaded for more than 500,000 times. Download it for free here


While these apps are extremely helpful, you might still not be lucky enough to get your dream role very soon. In today’s job market, recruiters see 100s of resumes for each job. In order to stand out make sure you have best possible CV and resume, no spelling or grammar mistakes. Lastly, don’t loose hope if you don’t get the role you want, keep applying rest assured if you are committed to finding work, you will eventually land a job.

This article is written by Raza. He is an Mba in Internet marketing and a computer graduate. He has been writing news worthy articles and reviews on video games and gadgets. You can follow him on twitter @Ahmad Raza. If you wish to write for HBB, kindly check this.

Top 5 Vital iPhone Apps For Business People

This is a fast paced world, really fast! Trends in Technology and Business environment are changing like chameleon changes its colors according to surroundings. With a small shift in technology or user behavior, some companies wipe out of business surface and some end up making millions. Staying focused, organised and up to date in business industry has never been more important and vital, this is a survival battle and only the fittest will survive and if you are a business person, we have compiled a list of must have business applications for Mobile Phones, which will help you stay on top and at your best! You can also check out some essential Android Applications by Pakistani Developers.

1: Document To Go

Document To Go

First application in the batch is not to miss out “Document To Go”  This app, which is 14.3 MB in size is developed by Dataviz Inc and one of the most sold application since its inception. It is very obvious that all the iPhone can support PDF files and powerpoint slides through their built in software. But there is a thing that they cannot do. That is, files cannot be edited or created in your iPhone. But now this can be done by using “Documents To Go”. By using this app you can create and edit files in Microsoft Powerpoint, Word, Excel and every other well known software. This app is very useful because you can do assignments or office work on the go. Doesn’t matter wherever you are, just pull out your phone and start using the software.


This app will cost you $9.99 only. Click here to get further details on this app.

2. EverNote


This productivity application is 19.6 MB in size, the latest version is 4.2.2 and was released in June 2012. When you have a busy schedule, things are piling up on you and you are having difficulty in remembering things to do then we have here the best solution for you by the name of EverNote.  This application will help you organize your life by reminding you things right on time. You can create to do lists, save photos and even search text in photos if you like. Voice reminders can also be recorded which can be a very useful feature especially for people sitting in offices. The authenticity of this app can be ensured by the fact that EverNote was one of the “Top 10 Must Have Apps” in New York Times.


This app can be downloaded free from App Store.

3. Package Tracker Lite

Package Tracker Lite
Package Tracker Lite

Many businesses involve shipping of packages. The company which is providing you shipping services will obviously have given you a date but before that date you cannot find the location of the package for making sure that the package will arrive on time. “Package Tracker Lite” has the ability to give you the location of your package anywhere anytime. You can also access the route map of your package. Now with application you can always keep an eye on your packages.

Following are the names of service providers which are supported by “Package Tracker Lite”.

The shipping carriers include:
– Aramex
– Brazilian Post
– Canada Post
– City Link
– DHL Global Mail
– DHL DE / Germany
– DPD DE / Germany
– Ensenda
– Estafeta


You can download this app from App Store free of cost.

4. CamScanner


CamScanner is really a very useful application. As you will have guessed from the name, this app can scan any document or picture from the mobile camera. Scanning from a proper scanner is a time consuming task especially when one is in a hurry. But if you have CamScanner installed in your device then you can scan any document in a few seconds by just taking a snap. The scanned image can be shared via email, Bluetooth or any other sharing facility in your device. The reviews on the App Store are very satisfactory. Almost all the customers are happy with the performance of the app. Some of the key features are.

  • Auto image enhancement and Auto cropping
  • Tag documents
  • Ability to scan multipage document files
  • Print, fax or upload to cloud hosting.


You will have to pay $4.99 to get this app.

5. CamCard-Business Card Reader

CamCard-Business Card Reader
CamCard-Business Card Reader

If you are a doing any kind of job which involve meeting people then I am sure that you will have collected a pile of business cards. It is a very difficult task to enter the data of all the business cards that you receive. But now your problem is solved if you own an iPhone. Just download “CamCard-Business Card Reader” from the App Store and it will automatically enter all the data in your device. This application basically detects the card information through the camera and feeds it into your phone book or email contacts.

Supported Languages

This app supports business cards in the following languages.

  • English
  • Simplified Chinese
  • Traditional Chinese
  • Japanese
  • Korean


You can download this app from App Store by paying $6.99, but right now there is special $2.99 offer going on!