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6 API Design Flaws You Should Absolutely Avoid

When you’re involved in API design, much of the hard work you’ve done to bring the API to life is invisible to the end user. Many of the APIs that ordinary consumers are happy with take mere seconds to fulfill their requests. However, getting to that point is neither as easy nor as quick for developers. There’s a lot of coding, mocking, maintenance work, and documentation to be done before the API is anywhere close to hitting the market. But one thing makes all the difference in helping developers clear all these steps in a timely and efficient manner: great API design.   

As with many other software and hardware products, thoughtful design matters when it comes to APIs. It ensures smooth implementation and usage experiences, and it also sets a precedent for better work in the future. In contrast, flawed design can obstruct developers’ initial workflow, cause expensive delays, and leave something to be desired in terms of end user satisfaction. Sadly, many API developers commit the same design mistakes over and over again before they find out what they can do better. By then, they’ll have wasted time, resources, and momentum that’s hard for them to get back.  

If you want to get the process right as soon as possible, avoid these six common design flaws. By doing so, you’ll make the most out of the development cycle and realize the full potential of your API.   

Being Inconsistent About Design Tools and Design Environments 

Consistency is one of the most important values in the API design process. But oftentimes, coding work can become very inconsistent because it isn’t executed according to a set standard. One of the best things you can do to avoid sloppy and inconsistent design work is to standardize your tools, environment, and workflow. Doing this will make it easier for you to replicate the same quality of work across different tasks.  

It’s never too late to standardize your toolset and environment for the better. Try the Stoplight API design tools on Stoplight’s visual editor to achieve better consistency, as well as momentum, on your API design.  

Not Following Common API Naming Conventions 

You have a lot of freedom in terms of how you design your API. But in terms of approaches to take, especially for REST APIs, it’s good to stick to industry practices that are widely accepted. It ensures that you and your fellow API designers are speaking the same language when you’re deciding how to build the API. One example is the naming conventions for REST API URLs. The norm is to use plural concrete nouns, not abstract nouns or verbs. After all, URLs are supposed to direct to resources that are objects, not actions.  

In short, avoid the design flaw of going against commonly accepted notions for API design. If you stick to the formula, coding work will be much less confusing on your part as well as those of fellow developers.  

Being Redundant and Not Following Standard Practices When Designing Parameters 

Another area of API design that sees quite a number of mistakes is the formatting of parameters. Too often, developers write code in a format that doesn’t serve a clear purpose. Other times, they may write parameters in one way for one line and then type it a completely different way in the next.  

As a developer, you can avoid mistakes like these by being more careful about every line of code. The format you use should make sense, be consistent across fields, and not be a pain for your fellow developers to crack. If you trim unnecessary or redundant parameters in the body portion of each response and request, then your API design will read much more smoothly for it.  

Mixing Up HTTP Methods 

REST API design in particular anchors itself on the proper usage of HTTP request methods. The most well-known of these are GET, PUT, POST, PATCH, and DELETE. Whenever any of these methods are involved, they have to facilitate the kind of action that they’re commonly expected to.  

To illustrate simply, GET should only be used for requests for retrieving data, while DELETE should only be used for removing the resource. HTTP request methods should never be mixed up, and should always be consistent in their usage throughout the API code. Rookie developers benefit best from reviewing the purpose of each HTTP request method. But even advanced-level developers should spend a little extra time making sure that each usage of request method aligns with its rightful purpose.   

Mishandling of API Errors 

No API is free from experiencing errors. In fact, the more complex the API product is, the more capable you have to be at handling errors. Thus, error messages are an important part of the API design process. Unfortunately, it’s rather common for developers to obfuscate the true nature of the error in their messages. When that happens, users are left in the dark about what went wrong in their request and why.  

When writing your own error messages, it would help to detail what type of error occurred and what the user can do to fix it. To be safe, defer to HTTP protocols for different types of errors instead of going by an arbitrary error classification and error message system.   

Not Keeping Track of Versions 

The last on this list pertains to API versions. Though the API may have undergone a facelift at one point or another, some developers neglect to include this in their design. As a consequence, users may struggle to know which version of the API they’re using and which features are either compatible or no longer compatible.  

The solution to this flaw is simple: always implement versioning on your APIs. Include version numbers on your URLs or use custom headers for each version as needed. Properly versioning your API’s resources will give your users clarity on how advanced or upgraded its features are. It will also save you and your fellow developers a lot of grief about segregating past resources and present ones.  


In practice, an API with these design flaws may still actually work. But how well do you think it will work? How easy will it be to troubleshoot or to fix? How prepared will you and your team be to scale up the API when the time comes?  

Practical, thoughtful, and consistent design will sustain an API long after its creation. Aim not only to complete the API, but to launch a product that’s representative of the best design work you can offer to your users. 


5 Emerging Trends That May Shape the Future of Digital Insurance

Many of the world’s most important industries have made the shift toward digitization, and the modern insurance industry is no exception. The most promising insurance companies know that bolstering their current tech stack is the key not only to survival but also growth. But simply acquiring a new type of technology, such as a cloud-based insurance management system, doesn’t guarantee immediate success. Those who work in the insurance sector must also be aware of how that technology’s being used—and how to leverage it to stay competitive.  

What are the most important trends to watch out for now that the insurance industry is quickly going digital? Here are five considerations that you should make, as well as a treatise on how these could affect your insurance company: 

Heightened Popularity of Digitization for Insurance Businesses 

The first trend to be aware of is that digitization is fast becoming the norm in the industry. In general, more insurance businesses than ever before have made the move to digitize their operations. They have good reasons for upgrading to digital insurance platforms, namely the following: 

  • Cloud-based platforms can fulfill essential tasks like pricing, risk assessment, and analytics with twice the efficiency of a legacy system that’s reliant on manual processes.  
  • It’s also possible to use these platforms for complex and time-consuming steps in the insurance processes, such as triaging claims according to urgency.  
  • Upgrading to better insurance technology can also enhance an insurance business’s customer relationship management (CRM) capabilities. 

Many of your peers in the industry are thinking about pooling more of their efforts and their resources into a digital transformation. It’s either that, or they have already done so. That means that the onus is on your company to adapt and become even more responsive to the clients enrolled in your insurance programs. 

Expansion of Insurance Programs to New Geographical Territories 

Aggressive international expansion is another trend you should watch out for. The most competitive global insurance companies have started branching out across borders and tapping new markets away from their home regions. Since their home markets may be flat, these companies have made use of digital technology to start expanding and building international awareness of their brands.  

For sure, insurance companies that are willing to expand have many challenges ahead of them. They will need to put in the time to study their new markets, as well as the regulations that govern the industry there. But the payoff is significant: in the long run, they’ll earn the lucrative opportunity to sell their insurance products to a fresh customer base. Who’s to say that you won’t be in that position someday? Perhaps you can consider international expansion a future goal for your own company.  

Even Simpler and Faster Insurance Processes 

The speed and efficiency of the digital era have made one thing more apparent—that customers prefer things to be simple and straightforward. The same applies to enrolling in insurance programs and going through the motions of their insurance processes. Long, complicated, and difficult processes cause customer fatigue and decrease their overall satisfaction with their carrier. In contrast, streamlined knowledge and service delivery improve customer satisfaction and drive higher customer retention rates.  

This means that overly complex “catch-all” insurance programs—once the cornerstone of legacy insurance systems—are on their way out. Simplified products and processes are in, and they will likely be for a long time. That’s why insurance businesses who have gone the digital route should use the upgrade in their tech stack to streamline their existing programs. Keep this in mind when you’ve deployed a new digital insurance platform of your own.  

Unbundled Insurance Programs 

Speaking of catch-all insurance programs, a greater number of insurance companies have stopped relying on them. Your peers may now be offering risk-based products that are smaller and more manageable for their customers’ life stages. These unbundled policies prove appealing to the emerging millennial market, many of whom are getting insurance for the first time. The “unbundled” approach allows them to slowly but surely get used to the processes and services of their carriers.  

Unbundled products are also easy to implement and monitor for compliance using a digitized system. So if you’re wondering what new approaches to take using your new digital insurance technology, decoupling your policies is one of them.  

Wider Availability of Personalized Insurance Products 

The last trend that you should be aware of pertains to the delivery of personalized insurance products. Nowadays, the spotlight is on individual customers, and the custom factor has become a key business strategy in digital insurance.   

There’s now a greater variety of personalized offerings in insurance carriers’ catalogs. Moreover, products are priced at ideal ranges for different customer life stages, and would-be customers receive targeted messaging through channels like email marketing.  

Today’s digital insurance technology has helped realize a higher level of personalization, which companies should use to their advantage. You can use your platform to cater to the profiles of your individual clients, especially younger workforce constituents who are savvy with technology. By adding more personal touches to your current lineup of insurance products, you can make your company stand out and stay relevant in the industry.  

Final Words: Your Place in the Future of the Insurance Industry 

By now, it may be clear that an insurance digital transformation is underway for many. That kind of change may be good for your own core insurance system as well. Investing in a digital insurance platform may help you respond to your clients’ needs much better than before. That is what will cement your place as the insurance provider of choice amidst steep competition from your peers.   

For both trends and long-lasting indicators of success in the insurance industry, the goal is to stay at least one step ahead. Here’s to staying on top of your new technology and making an impact in digital insurance! 


How To Prevent DDoS Attack: Tips to Keep Your Website Safe

The Distributed Denial of Service (DDoS) attacks has become one of the most dangerous cybersecurity threats for all businesses. The DDoS attack is no longer a threat exclusive for huge enterprises and services like Playstation Network or Amazon Web Service, but now medium-sized and even small companies are increasingly popular as DDoS targets

The DDoS attacks are especially dangerous since once they are started, it’s very difficult to stop them, so effective prevention is much preferred. On the other hand, the DDoS attack can cause significant damage not only in financial losses but often long-term and even permanent damage to the business’s reputation. 

For these reasons, knowing how to stop and prevent DDoS attacks is now very important for any businesses who have a website

What Is DDoS Attack?

Understanding DoS Attack

To understand DDoS attacks, we have to first discuss DoS, or Denial of Service, where DDoS can be thought of as an advanced, modified form of a DoS attack. 

Denial of Service is a type of cyber attack in which the attacker aims to slow down a computer, system, or network or even rendering it unavailable to its intended users. 

The DoS attack is performed by interrupting the system’s normal functionality, and the most basic method is to overwhelm a targeted system with requests above its processing limit, so the system can’t process normal traffic. This will result in denial-of-service to additional users. 

The attack is called a DoS attack if it only utilizes a single computer to launch the attack. If it uses more than one computer, then it is a DDoS attack where the attack is ‘distributed’ between different devices, hence the name. 

The DDoS Attack

A DDoS attack amplifies the effect of a DoS attack by using multiple compromised computers (which can be in the thousands) as the source of the attack traffic. These compromised computers are called ‘botnets’, and nowadays they can consist not only of laptops and PCs but also IoT devices and wearables (i.e. your Fitbits and Apple Watches).

A DDoS attack first requires the perpetrator to gain control of the online devices, typically by infecting them with malware and turning them into a zombie machine (the botnet). Once a botnet has been established, the hacker can then remote control the device, so when a URL or IP address is targeted, each botnet will respond by sending requests to the target, resulting in an overwhelming amount of requests happening at the same time.

A DDoS attack can be very difficult to mitigate since the attack is coming from real computers that are impossible to distinguish from legitimate users, and this is why it’s very dangerous. 

Different Types of DDoS Attacks

There are different forms of DDoS attacks targeting different components of the network connection. 

An easier way to explain this is to divide the DDoS attack types based on the OSI model, which describes the different components of an internet connection when we are accessing a website. There are 7 layers of the OSI model: 

  1. Layer 1 (Physical layer): the lowest layer, responsible for the actual physical connection between devices.
  2. Layer 2 (Datalink layer): responsible for linking data between physical nodes, the main function is to define the format of data.
  3. Layer 3 (Network layer): transmission of data between two different networks, responsible for deciding which physical path on the network the data will take. 
  4. Layer 4 (Transport layer): transmits data with TCP, UDP, and other transmission protocols. Distributes services from the network layer to the application layer. 
  5. Layer 5 (Session layer): responsible for establishing a connection and maintaining it. Controls the sessions and ports. 
  6. Layer 6 (Presentation layer): responsible for data encryption and ensuring the data is presented in a usable format
  7. Layer 7 (Application layer): the highest layer involving human-computer interaction, the web application can access the network services

Layers 1 and 2 are mostly local, so DDoS attacks in layers 1 and 2 are virtually non-existent since the distribution of the attack would be very limited. Layers 5 and 6 mainly handle the validation of data coming from layers 3 and 4. So, there are three main categories of DDoS attacks: protocol attacks (targeting layer 3 and 4), volumetric attacks (targeting layer 3 and 4), and layer 7 (L7) attacks.

L7 (Application Layer) Attacks

Currently the most sophisticated and advanced form of DDoS attack. Layer 7 is where the web pages are actually generated on the server, and the attack exploits it by attempting to overwhelm the web server by requesting a flood of traffic (mainly HTTP traffic). 

An example of layer 7 DDoS attacks is sending thousands of requests for a certain page per second until the server is overwhelmed. Another common practice (that is much harder to defend against) is calling an API over and over again. 

Protocol Attacks

Data transmitted and received over a network is divided into packets, and layer 3’s main objective is to address these packets to the right destinations via protocols. Layer 4, on the other hand, would open the necessary connections as commanded by layer 3, ensure reliable data delivery, and indicate which service on the target device should use the sent data. 

In layer 3, the most important protocol is IP (Internet Protocol), while layer 4 involves transport protocols including TCP and UDP. 

Protocol attacks would utilize vulnerabilities in these layer 3 and layer 4 to render the network inaccessible by users. There are various ways attackers can attack these vulnerabilities in protocols. 

SYN Flood attack, for example, exploits the vulnerabilities in the  TCP handshake by sending a large number of TCP SYN packets using spoofed IP addresses. The network will then respond to each of these connection requests and waits for the next step in the TCP handshake (which never occurs), exhausting the network’s resources.  

Another common protocol attack is the ICMP Ping of Death, where the attacker sends a ping request that is larger than the maximum size allowed by the protocol. So, when the network tries to reassemble the packet, the packet size exceeds the maximum size and crashes the network. 

Volumetric Attacks

As the name suggests, in a volumetric attack the objective is to saturate the bandwidth of the target website/network. Large amounts of data are sent to a target to create massive traffic, overwhelming the network.

Ping flood DDOS attacks, for example, is when the attacker sends thousands or even millions of pings to the server using botnets. Smurf DDoS is another type of volumetric attack where the attacker sends out ping requests to thousands of websites while spoofing the IP address in the request to the responses go to the target network instead of the attacker.  Modern devices are typically not vulnerable to this smurf ICMP-based attack.

Best Practices for Preventing DDoS Attacks

As we can see, DDoS attacks are possible due to the vulnerabilities in our network whether in the network, protocol, or application layer.

So, preventing DDoS attacks is about minimizing these vulnerabilities by implementing the following best practices:

  1. Monitor your traffic regularly and aim for early detection

Identifying the early warning signs is very important in preventing DDoS attacks. There are various tools we can use (a lot of them free) to monitor traffic so we can detect traffic spikes, which is important in detecting volumetric attacks. 

A dramatic increase in traffic is a major sign of a volumetric DDoS attack, so make sure to regularly check your traffic logs and/or have alerts set up when the number of requests or visitors has exceeded a specified threshold depending on your bandwidth. 

You should also consider: 

  • The time of the traffic spike. It is, for example, unrealistic to see a spike at 3 AM. 
  • The location of the traffic sources. For example, if you are not serving the Chinese market, having a sudden surge of traffic coming from China is suspicious.
  • The time of the year. Depending on your business, there might be legitimate spikes, for example, during the holiday seasons. 

However, as we’ve discussed, the volumetric attack isn’t the only type of DDoS attack that might be a threat to you. In a layer 7 attack, for example, the traffic can be as low as 1 request per second but is targeting a vulnerable endpoint in your web application. An AI-powered, behavioral-based bot protection solution like DataDome, is necessary for monitoring your traffic for potential layer 7 DDoS attacks.

  1. Increase your network bandwidth

Since DDoS attacks, especially volumetric attacks, operate at the basis of exhausting your resources, provisioning extra bandwidth can be effective to handle the unexpected traffic spikes. This won’t necessarily stop the DDoS attack altogether but may buy you some very valuable time to set up and execute your mitigation plan.

This solution might be expensive since this spare bandwidth might go unused when there’s no incoming attack, but there are hosting services offering burstable billing/burstable bandwidth plans that might provide you with some versatility. They might also offer enhanced protection against DDoS attacks with these plans, so make sure to check with your hosting provider whether they offer such options. 

  1. Redundancy in network infrastructure

Maintaining redundancy is a very important aspect of preventing damages caused by DDoS attacks. DDoS attacks are becoming much larger and more sophisticated than ever, but the objective remains the same: disrupting your service.

The idea behind redundancy is that whenever a system is disrupted due to DDoS attacks, we can simply fall back on redundant systems so we can continue delivering service without interruption. Redundancy also allows us to cut off and reroute traffic when needed.

If possible, don’t rely on a single hosting/ISP service, and look for ISP redundancy. There are hosting services that offer the ability to switch between different providers in the event of a DDoS attack, allowing us to reroute traffic to prevent downtime. 

Also, don’t rely solely on your ISP in defending your site against DDoS. In the case of severe attacks that might put all of the ISP’s customers at risk, the ISP will decide on blackholing your traffic and your site will be down indefinitely. Having a dedicated DDoS mitigation solution, as discussed above, remains the best solution.

  1. Prepare your organizational response

It’s very important to prepare your operational readiness for a DDoS attack and ensure you can respond ASAP in the event of a DDoS attack. Educate your team regularly with your DDoS response plan, and train them with simulated attacks to validate your organization’s overall DDoS defense.

When a DDoS attack already happens, you won’t have time to plan your response, so having a clear mitigation plan ahead is necessary. You must prepare your team with policies and procedures on: 

  • Communications: your staff needs to know exactly what to do and whom to call in the event of a DDoS attack while aiming to disrupt daily operations as little as possible. It’s best to plan a way to relay information in the form of internal short message blasts. 
  • Identification of key personnel: it’s important to prevent panic in the event of the attack, which can delay the required mitigation response. It’s important to identify key personnel that should be notified of the attack as soon as possible. Educate your team so everyone understands their role in the DDoS mitigation process. 
  • Information-related policies: a simple approach like keeping all phone numbers and names of key personnel in a single place can be extremely important in managing valuable time. Set up policies on how personnel should share and access the required information in the event of a DDoS attack. 
  1. Maintain relationships with your key vendors

Successful DDoS mitigation would require the help of your vendors: bot management solution provider, hosting provider, ISP, and so on. Don’t wait until a DDoS attack has happened to start a relationship with their customer service reps. You can build relationships as a preventive measure and incorporate them into your DDoS mitigation plan. This might seem simple, but can be very effective in ensuring a calm, rehearsed response during the event of an attack. 

End Words

While there’s no one-size-fits-all answer to preventing a DDoS attack, a good DDoS mitigation service like DataDome that can protect your site from layer 7 attacks remains the most reliable solution. 

However, preparing your network infrastructure and the human element of your organization is also very important: when a DDoS attack is in place, you won’t have time to plan a response and think about what you should do. Instead, a calm, rehearsed approach is always preferred.


6 Things That Affect the Effectiveness of Your Real Estate Agent Recruiting

Recruitment is one of the most essential parts of running a business. It’s even more crucial in real estate brokerages, since talented real estate agents contribute a huge chunk of income. 

The problem is that real estate agent recruitment isn’t a simple process. That’s because it can be affected by various internal and external factors, such as the size of your brokerage and the condition of the economy. No matter how polished your programs are, there may be times when your recruitment may not be as effective. 

Here are just some of the things that can affect the results of your brokerage’s real estate agent recruiting, along with some ways you can adjust. 

Your Data and Tools 

To be able to hire the best of the best real estate professionals, you have to account for a variety of data. These include the latest market trends, where the most qualified agents are, and the most popular application method, among others. Being informed about these matters can help you make better decisions. 

That’s why it’s important to use software and a variety of technological tools to gather data and accelerate your recruiting. This way, not only do you have access to data but also the capability to process them for easier analysis. You can even predict trends with the help of data, which will then allow you to develop preemptive tactics. 

One of the best tools to invest in to gather and analyze data is real estate software. To give you a clearer picture as to why and how, you can visit this link: 

The Recruiting Budget 

The fact of the matter is that recruiting costs a lot of money. What’s more, the cost of recruitment doesn’t stop at the point when you’ve hired the candidate but rather continues well into the employee’s training period. The more budget you have, the faster you are able to recruit and vice versa. 

For smaller brokerages who are working with a smaller recruiting budget, it’s a good idea to first calculate your ROI in two scenarios. The first is doing the recruiting on your own, and the other is hiring a recruiter. There are times when it’s more effective to outsource recruitment, since this can help ease the decision-making process and improve the quality of hires. 

Your Recruitment Policy or Program 

Sometimes, what makes the recruitment process complicated or ineffective is the policy itself. There may be redundant steps or too-stringent requirements that discourage applicants or aren’t relevant. Make it a habit to evaluate your recruitment policy to make sure that it’s as efficient as possible. 

Some of the things that you should consider including are: 

  • guidelines against discrimination and biases 

  • merit-based selection 
  • clear approval flow 
  • manpower alignment 
  • clear terms and conditions of employment. 

The Compensation Package 

The real estate industry is highly competitive, which is why you have to make every effort to stand out to potential candidates. One of the ways you can do this is by offering a stellar salary and benefits package. However, this might not be as easy to do if you don’t have as big a budget as your competitors. 

If this is indeed your scenario, you might want to add non-monetary benefits to sweeten the pot. These include work-from-home arrangements or flexible hours. You can also give the best performers the chance to become stakeholders in the future. 

The Brokerage’s Reputation 

There are a lot of reasons why a candidate doesn’t apply or turn down an offer. Maybe they feel as if the compensation is not equal to the value they can give to the company. Maybe they prefer to work somewhere closer to home. Maybe the recruitment process was a little slow for them. 

Another big reason that potential hires don’t push through with their application? Your company’s reputation. People simply don’t want to be associated with a business whose values don’t align with theirs. A mishandled crisis can also affect an applicant’s perception of a company, as do the negative reputation of the current employees. 

Make sure to keep your brokerage’s reputation in a positive light. If you have to work with public relations companies to revamp your image, do so. You should also enjoin your current employees to always espouse your company’s values. 

The Competition 

Sometimes, your competition is a bigger brokerage with a bigger budget. Sometimes, it’s a company with a much better reputation and a wider network. Whoever your competition may be, if they have better recruitment and retention programs in place, then you’ll likely lose superstar candidates to them. 

The key to overcoming this hurdle in real estate recruiting is to study these companies that seem to be doing better than you. Pay attention to their tactics and what they seem to be doing right. Then, evaluate your own recruiting programs and make the necessary changes.  

As you can see, there are several factors that can make or break your real estate recruiting. Some of them are easier to deal with than others. Nevertheless, it’s worth the effort to straighten out everything. The reward—high-quality hires who stay for years—will be more than worth the time, money, and effort you invest.  


Rules and regulations when buying cryptocurrency

In recent years, the cryptocurrency market has grown in size and popularity in the world. Each country has different regulations for cryptocurrency. Due to the increased demand for bitcoin and cryptocurrencies, nations have to update the appropriate legal regulations day by day. 

With the rapid growth of the Internet, the use of cryptocurrencies is an inevitable trend. No country can completely ban this financial type. People can do cryptocurrency transactions secretly on the Internet. It is hard for the government to track cryptocurrency users or cryptocurrency exchange. 

If you invest in crypto, buy bitcoin, or are interested in this investment, you should learn about the rules and how regulations may affect you. While some cryptocurrency regulations can slow down the buying, selling, and use of cryptocurrencies, others support the growth of this new asset class. Even an announcement about crypto regulation can cause prices to rise or fall dramatically. 

Here are essential rules and regulations that investors must consider before buying cryptocurrency. 

What is cryptocurrency? 

Cryptocurrency is a medium technology of financial exchange with cryptographical functions on the Internet. Cryptocurrencies use blockchain technology to achieve decentralization, transparency, and immutability. 

Cryptocurrencies are not controlled or regulated by any authority. And the cryptocurrencies’ price is determined by the supply and demand of their market. It is the most significant feature of a cryptocurrency. Due to the decentralized nature of blockchain, cryptocurrency is immune to government administration. 

How is the cryptocurrency transaction? 

Cryptocurrencies can be deposited directly between the two parties through the use of private and public keys. This transfer can be done with minimal processing fees, allowing users to avoid the hefty fees charged by traditional financial institutions. 

Cryptocurrency properties 

– Irreversible: Once you’ve confirmed, a transaction cannot be reversed. If you send money, you send it. If you sent your money to a scammer or if a hacker stole them from your computer, you could not take it back. There is no safety zone. 

– Permissionless: No one can stop you. No need to ask anyone to use cryptocurrencies. It is just a piece of software that anyone can download for free. Once installed, you can buy Bitcoin or other cryptocurrencies.  

– Fast and global: Transactions are spread almost instantly across the network and confirmed in minutes. Since they happen in a global network of computers, they don’t care at all about your specific location. 

– Virtual pseudonym: Neither the transaction nor the account is connected to the user identity in the real world. 

– Security: Cryptocurrency funds are locked into a public-key cryptosystem. Only the owner of the private key can send cryptocurrency. The strong code and the magic of the big numbers make it impossible to break this scheme. A Bitcoin address is more secure than Fort Knox. 

Why should you invest in cryptocurrency? 

Cryptocurrencies have been popular for many years. However, the majority of people are not aware of it. As a result, people don’t think about trying to invest or trade cryptocurrencies. 

Of course, cryptocurrencies are risky – just like any other investment with a high potential return. However, it also offers the following obvious benefits. 

You are the owner 

There is no other electronic cash system where your account belongs to you. 

Fraud protection 

Once the cryptocurrency is created, all confirmed transactions are stored in a public ledger. All the identity of the coin’s owners is encrypted to ensure the legality of record keeping. Because money is decentralized, you own it. Neither the government nor the bank has control over it. 

Identity theft 

The ledger ensures that all transactions between “e-wallets” can calculate the correct balance. This public ledger is also known as the “transaction blockchain”. Blockchain technology ensures secure digital transactions through encryption and “smart contracts” that make entities virtually vulnerable to attack and free of fraud. 

Instant payments 

Blockchain has brought value to cryptocurrencies. Ease of use is the reason why cryptocurrencies are in high demand. All you need is a smart device, internet connection, and instantly become your bank making payments and money transfers. 


More than two billion people have access to the Internet but do not have access to traditional exchange systems. These individuals are entering the cryptocurrency market. 

Which cryptocurrency to invest in? 

Although Bitcoin is a famous cryptocurrency, investors and users should know about other cryptocurrencies. Furthermore, some aspiring cryptocurrency traders have also found that investing in IOTA can be a fantastic way to diversify their portfolios. Accordingly, if you would like to learn more about das IOTA Potential (the potential of IOTA) then you can find plenty of helpful resources on the Coincierge website. For now though, let us discuss the most popular cryptocurrencies today.


Bitcoin is the first and most famous cryptocurrency. 

Bitcoin is known as the top digital standard through the entire crypto industry. Now, people use Bitcoin as a global payment. Cybercriminals also sell or buy Bitcoin in the darknet markets or ransomware. For seven years, the Bitcoin price has increased from zero to 650USD and more than 200,000 daily transactions. 


Ethereum takes second place in the cryptocurrency top ranking. It is a product of Vitalik Buterin. Unlike Bitcoin, its blockchain not only can process the complicated transaction but also complex contracts and programs due to its function of validation in so-called states. 


Although Ripple has a native cryptocurrency – XRP, it is more about a network that processes IOUs than the cryptocurrency itself. XRP, the currency, does not act as a vehicle for storing and exchanging value but also acts as a token to protect the network from spam. 

Ripple, unlike Bitcoin and Ethereum, has no mining activity as all coins are pre-mined. Ripple has found immense value in the financial space as a lot of banks have joined the Ripple network. 


This is a viable alternative to bitcoin. It was created in 2011 by Charlie Lee. After bitcoin, it ranks third in terms of time and lifetime of cryptocurrencies. Even if litecoin did not get as much attention as expected, we still have to admit that litecoin is much faster than bitcoin and that its transaction fees are almost zero. 


Dash was launched in 2014 and has become one of the largest peer-to-peer networks of master nodes. Hence, Dash can provide additional storage and a secure environment for users. 

Rules and regulations when buying cryptocurrency 

1. Reading is the basic knowledge first 

You should spend time to read what cryptocurrencies and blockchain technology is, and the different types of coins, wallets, and transactions. 

Update the latest information on cryptocurrencies in trusted and reputation media channels. 

By building up your knowledge, you will make decisions and take opportunities confidently. 

2. Only invest what you are prepared to lose 

If you are a beginner, you should start a small investment first. Buying Bitcoin or any other crypto is volatile. You can gain much, but you might lose what you have invested in too. 

3. Consider carefully the type of cryptocurrency you buy 

Research the crypto price. The circulating supply and the real-world will value the coin. 

Large supply often dilutes the price of a coin, and if such a cheap coin has little to no practical utility, then there is no reason to assume it will magically rise in price. 

Read about the coin’s background, its origins, how it fits into the larger business plan of the supplier, and how the crypto community accepted it. You have to follow the crypto-related events and hard fork updates, as these events tend to influence market trends. 

4. Consider carefully where to buy crypto 

You can buy cryptocurrencies from online strangers (not recommended), over-the-counter (OTC) kiosks online, at stores affiliated with Bitspark, at crypto ATMs, or on an exchange. 

Wherever you buy, be sure of the seller’s credibility. You must look up recent reviews, comparison sites, and user ratings. If you are going to buy in OTC consider using escrow service, so you will not transfer money without ever getting your cryptocurrency back. If it’s an exchange, find out if it’s easy to trade into other coins, what coins they support, and what you need to do if you want to transfer your money to another wallet or revert to fiat. 

Lastly, you have to understand the fees you will pay when buying or trading coins. 

5. Ensure security 

In the cryptocurrency market, you keep the key, and you control the coin. 

Do not store your keys in a wallet that isn’t entirely yours.  

Buying cryptocurrencies from a centralized exchange and some OTC, usually means your money is not under your control. If an exchange gets hacked, you lose money. 

If you have more than $500 in cryptocurrency make sure you buy a hardware wallet like a Trezor or Ledger and get in the habit of storing a large portion of your money in an ‘offline’ device. This way will keep your money safe from hackers. 

In addition to security considerations, when handling your cryptocurrency and transferring it to another wallet, double-check the address you’re sending. Transferring money to the wrong account means it’s very hard to get it back. 

6. Remember to buy low, sell high 

As you increase your knowledge of cryptocurrencies, you will value coins by themselves by their value and read the market depending on your understanding. While buying when the price is low and selling when it is high seems sensible, it is really about distinguishing the hype from solid trends and seeing the whole picture. 

Instead of chasing the market trend, you should anticipate or wait until the hype passed before buying: work on vision, instead of emotion. 

7. Do not overtrade 

Instead of choosing between buying and selling regularly or holding a currency for an extended period, you should find an intermediary path and dedicate part of your investment to well-established currencies.  

However, you should not “over-trade” constantly switching to other currencies due to worries about low trading volumes. When trading, be sure you will place orders with enough liquidity. Don’t forget that the transaction fees to recover the losses. 

In conclusion 

As with any other highly profitable investment, cryptocurrencies carry a specific risk – but they are even more offset by its independence and high profitability. 

Investing in cryptocurrency is similar to exchanging your money in a new country. Bitcoin, Litecoin, and Ether are a few examples of “forex” that operate in a very specific context in certain online communities. 

Just remember that exchanging any currency is built on shared trust. 

We hope the basic information provided above can help you understand the rules and regulations when buying cryptocurrency.

Provided By VAT reporting software company, Sovos

5 Essential Tech Tools to Boost Productivity in Your HR Department

5 Essential Tech Tools to Boost Productivity in Your HR Department

Technology is rapidly transforming the business sector and every industry in the world, so it should come as no surprise that HR experts are increasingly adopting new tech and digital transformation to elevate productivity, efficiency, and ensure employee success. From recruitment automation for the remote workforce, all the way to better employee monitoring and management, improved communication and a better company culture, HR specialists stand to gain a lot by adopting feature-rich software solutions that will help them achieve their goals faster while helping push the company forward as a whole.

That said, with so many proprietary tools out there, it can be difficult to select the best software for your needs, and it can be easy to overspend on the tools you don’t actually need. That’s why today we’ll be going over the five essential tech tools you should integrate into your HR department in order to ensure its long-term success, especially during the COVID-19 crisis.

Human resource management system

First and foremost, it’s important to note that a comprehensive human resource management system should encompass numerous processes and tasks – this is not a piece of software that does a single job, rather, it’s a system of tools that covers a range of HR processes. Within your HR management system, you can have several key tools (built-in or integrated from external tools) that include recruitment, training, attendance tracking and employee monitoring, payments and payroll, contract labor and remote work, appraisal, performance, shift, and absence management, and more.

Depending on your needs, you will integrate as many or as few tools as you need to manage an efficient and effective remote operation, but also to make in-house employee management a breeze. This is typically a cloud-based system with various integrations and add-ons you can use as you grow and as your needs start to change. 

Advanced recruiting software

Recruitment strategies and tactics are always changing and evolving with the leading industry and market trends, but amidst a global crisis like the COVID-19 pandemic, recruitment is bound to change drastically. Now that companies are forced to send their employees home or recruit remote talent from across the globe, HR specialists need to leverage recruiting software to make talent acquisition more efficient and effective, particularly for remote positions.

Aside from leveraging digital platforms like social media networks and specialized job-hunting websites, your HR staff should adopt recruiting software that has all the features they need for quick and successful talent acquisition. These features include candidate sourcing, applicant tracking systems, AI-driven recommendations, reports and analytics, enrichment features, and more.

Cloud-based communication tool like VoIP

Communication is the essential pillar of success in HR and your company as a whole, which is why you need to adopt innovative communication tools to improve productivity and efficiency instead of trying to make the old email-plus-phone combo work. The reality is that traditional phone systems simply don’t have the features you need to communicate effectively with employees and applicants, which is why companies are rapidly switching to VoIP (voice over internet protocol) nowadays.

Now, there are many VoIP providers out there, so it’s important to check out professional reviews and opinions to find what some of the best VoIP features are and which of the providers offer the most cost-effective phone plans. Ideally, your provider should equip your HR department and your entire business with features like low-cost national and international calls, video conferencing, chat tools, scheduling and analytics, mobile apps, and more.

Comprehensive payroll software

Some would say that payroll is nothing more than handing out paychecks, but in reality, payroll encompasses numerous processes that require meticulous management by your HR staff. Yes, handing out paychecks is one of them, but so is tracking and calculating bonuses based on performance, giving out perks and rewards, monitoring absence and overtime, and much more.

In fact, payroll is quite a complex process because it effectively shapes morale and influences your employees’ level of happiness in the long term, so you need to have the right payroll software at your side. The software should automate almost all of the aforementioned tasks to help you create personalized plans for every employee, and help you devise individualized advancement programs.

Onboarding automation tools

Lastly, never underestimate the potential of a great onboarding tool to help your new employees feel right at home and become productive members of your team. Onboarding automation not only saves time and money, but it allows your HR staff to bring a more well-rounded onboarding experience to the employee so that they can start contributing from day one instead of taking weeks or months to find their bearings in a new work environment. 

Modern HR encompasses a wide range of mission-critical processes, and if you modernize your HR department with the right tech, it can help your company thrive on numerous fronts. With these tools at your side, you should have no problem acquiring and retaining the top talent in the industry. 


eCommerce Fraud: How It Happens, How You Can Help Stop It

“There are many types of eCommerce fraud, all of which are extremely concerning for consumers and online businesses alike. eCommerce fraud is widespread: According to, in just three months — January to March 2019 — there were 5,305 eCommerce fraud reports in the U.S. In addition to being rampant, eCommerce fraud is constantly evolving, as cybercriminals develop new techniques to sidestep the security measures deployed by online business websites.”

With all this in mind, it is important for eCommerce business leaders to stay well-informed about eCommerce fraud and patch whatever vulnerabilities may exist in their security frameworks. This is where the infographic below, How to Prevent eCommerce Fraud, will prove helpful. The infographic presents a high-level overview of common types of fraud, and several specific steps online businesses can take to reduce the threat.

As the infographic points out, enhancing online security not only helps to deter fraud but also serves online businesses in more constructive ways. For instance, we have reached the point where simply having an HTTPS website is immediately reassuring to many if not most online consumers — the fact that Google has been labeling non-HTTPS sites “Not Secure” on its Chrome browser since 2018 has gone a long way toward reinforcing this perception.* When customers perceive that an eCommerce store is secure, they are naturally more inclined to order and to order repeatedly. 

In a similar way, when an eCommerce business requires customers to use a complicated password and change it periodically, they may feel some initial irritation — but once those customers step back and reflect, they will realize that the policy is there to protect them by keeping their sensitive data as secure as possible. 

Because data breaches have become so common, so massive, and so widely publicized in the media, public awareness of — and fear of — cyberattacks has never been greater. If your eCommerce business has shied away from implementing security practices out of fear of shopping cart abandonment, those fears are most likely misplaced. 

The key to preventing eCommerce fraud is never to become complacent. Some organizations think, for instance, that simply converting to HTTPS is enough. It isn’t. While HTTPS is practically essential — table stakes, if you will, in the fraud prevention game — much more needs to be done to help create a solid barrier against cybercriminals. As the infographic says, implementing as many of the fraud prevention activities as possible is the surest way to help tip the odds strongly in your favor. For more information and insights, please continue reading below. 

About the author

Dori Bright is Senior Vice President of Marketing Intelligence and Small Business Market Development at Fiserv, a leading global provider of eCommerce payments and mobile payment solutions, helping businesses connect with customers through physical, digital, and mobile payment experiences that drive commerce.


Infographic created by First Data


5 Leading Trends in Modern Healthcare Design to Revolutionize the Patient and Staff Experience

Healthcare is an industry that is constantly changing and evolving with the prevailing technological advancements, scientific discoveries, but also socio-economic shifts. It’s not just the leaders and visionaries that are taking the industry forward, it’s also the tech gurus and innovators, the interior designers and architects, and also the patients themselves who require a different kind of experience. Needless to say, your typical healthcare institution is not what it used to be mere decades ago. 

And that’s a good thing. Healthcare needs to progress and change to accommodate the needs of a rising population and specific demographics. Laboratories need to be more efficient, the medical staff more specialized, and interiors need to adopt a more modern approach to ensure patient and staff happiness. With all of that in mind, today we are taking a look at modern healthcare design and what trends will prevail in 2020 and beyond.

The move towards organizational specialization

Modern problems require modern solutions, as they say, and the modern patient demands a healthcare environment that can accommodate their exact needs. Nowadays, hospitals and medical institutions in general are becoming more specialized and are narrowing their scope of services and expertise to address the challenges of specific patient demographic. Not only does this allow administrators to run a more efficient operation and optimize payroll expenses, but it also allows key stakeholders to build a recognizable brand

For the patient, this ensures a peace of mind and provides them with specialized staff and medical equipment necessary to address their unique medical condition. No longer are patients willing to run from hospitals and medical practices to get things done – nowadays they want and need specialized and comprehensive treatment under the same roof.

Weaving technology into the space

It should go without saying that the healthcare industry is one of the most notable early adopters of technological innovation. No surprise there, of course, as hospitals and private practices need to invest in modern technology to minimize expenses, make diagnostics and treatment more efficient, and instill trust and respect in the hearts and minds of their patients. 

While it might be difficult for certain patient groups to get the hang of certain technological tools, it’s nonetheless important to note that even seniors are nowadays utilizing technology on an advanced level. This means that you can weave medical and administrative tech into your medical practice with ease and allow your staff as well as your patients to take full advantage of its functionalities.

Focusing on specialized lighting schemes

One of the most important elements of modern healthcare design is the lighting. Needless to say, you need to make sure that ample natural light permeates the rooms and hallways of your hospital or medical practice, but the most important thing is to scale and optimize the artificial lighting. Lighting design is essential for compliance, patient and staff satisfaction, as well as ensuring energy efficiency over the long term.

For that reason, it’s important to work with experienced lighting designers and research clean room lighting at to find lights that are manufactured according to the right industry standards and are durable and long-lasting. You also need to talk to the manufacturer to find the right hues for every room and working environment, as lights should differ depending on whether you’re in a patient’s room, the waiting room, or a clean room.

Emphasizing sustainable practices

Speaking of design considerations that emphasize energy efficiency, it’s important to note that the medical industry is rapidly moving towards greater sustainability. This has more to do with hospital administration, financial saving, and compliance than patient care and satisfaction, as hospital administrators need to find ways to make the business stay afloat over the long term.

This is why investing in energy-efficient lighting, appliances, equipment, and passive conservation features is so important in the modern world. It’s also important to invest in software solutions like customer data platforms to make better long-term decisions that will deliver results while reducing extraneous financial expenditure.

Breaking the barrier towards nature

Last but not least is the adoption of the biophilic design. Some of the best medical office decor ideas include the introduction of natural elements and sustainable materials to create a more serene workspace and instill peace in the hearts and minds of the patients. Nature can have a profound effect on the recovery process, so it’s also important to break the barrier between the interior and nature by designing hospital gardens and green spaces to help the patients feel more at ease. Over time, this leads to a more positive work environment and a higher success rate for the patients.

Wrapping up

Healthcare design is always changing, as it needs to accommodate the needs of the ever-changing market. Patients and medical professionals are looking for a better overall experience, so make sure to use these design tips to build a thriving medical practice of the future.


Take your email marketing to the next level with Artificial Intelligence

Artificial Intelligence (AI) has emerged as one of the most powerful tactics to raise the bar of email marketing campaigns. Effective email marketing is all about delivering the right content to the right people at the right time and AI helps you achieve this. There was a time when manual intervention was needed to craft relevant content for individual subscribers. However, with the advancement of AI and automation workflows, it became easier to send personalized emails based on subscriber behavior. No wonder, it is expected to yield $14 trillion of additional revenue and a 38% increase in profitability by 2035. 

Before we look into the details of how to employ AI in email marketing, let’s throw light on basic principles of how it works. 

Mechanism of Action of AI

AI is a tool with the help of which the computer can use a given set of data and perform a particular function through trial and error. The three steps in which AI works are:

i. Detect

First of all, AI discovers the most predictive attributes or elements in a set of data to ascertain which ones to consider and which ones to overlook. 

ii. Deliberate

AI, then, compares the most predictive attributes and accordingly makes a recommendation or answers a question.

iii. Develop

AI can program and reprogram itself and mature with every iteration. Subsequently, it can modify and assess the data according to information or consensus derived from experiments. 

With that said, we shall now discuss how you can adopt AI in your email marketing campaigns. 

1. Subject Lines

According to conventional practices, a proficient copywriter would be allotted the task of drafting engaging subject lines, considering the target audience and their buying preferences. AI algorithms have made it possible to evaluate the results of your past email marketing campaigns and improve the subject lines to generate a better open rate and click-through rate. 

You can use tools like Phrasee that works on the principle of “Natural Language Processing” to craft subject lines that can grab maximum subscriber attention.

2. Personalized emails

Targeted personalization improves customer engagement rate as suggested by 74% marketers. Predictive analytics helps to create complex algorithms that ultimately enable the creation of unique emails. Through AI, marketers can understand the behavioral patterns of the customers and predict their next purchase. Subsequently, you can use this information to assign predictive scores, thereby eliminating the inconsistencies of orthodox lead scoring method. 

With the help of AI, you can build groups of audience who display similar kind of behavior. These groups of predictive audiences can bring higher revenue by enhancing subscriber engagement. Marketo and Salesforce offer such tools that allow you to execute AI-powered email marketing. 

3. Email retargeting

Traditionally, marketers used to send out cart abandonment emails to all the customers within the same timeline. AI gives you the liberty to retarget the customers at the right time by considering their behavior and response time. For example: Some customers may respond to a cart abandonment email sent immediately while some others might take the decision to purchase a week after the cart abandonment. AI allows you to differentiate between these customers and send the retargeting emails at an optimal time while cutting down the cart abandonment rate. Salesforce provides a feature known as Commerce Cloud Einstein that proves to be a boon for ecommerce marketers by providing access to detailed predictive insights. These insights can be used to send customized recommendations to customers. 

4. Automated testing

Once used as a two-dimensional process, A/B testing has now advanced to an omnichannel hyper-targeting model with the help of which you can carry out complex testing. It lets you test a number of variables in different permutations and combinations. Bandit testing helps you automatically get a hint about what kind of traffic your versions will get. In case it is found that one of the versions is performing better, bandit testig will attempt to increase traffic to that variant and reach to a statistical significance faster. 

Wrapping Up

Subject lines, copy, testing, and retargeting – these are the top four elements in which you can incorporate the magic of AI. Besides, AI also lets you reach out to the person with intelligent and more humanized automated emails. So, if you are wondering how you can take your email marketing a step ahead and beat your competitors, AI is the answer for you. 

Author bio

Kevin George is Head of Marketing at Email Uplers, one of the fastest growing custom email design and coding companies, and specializes in crafting professional email templates, PSD to HTML email conversion and free responsive HTML email templates in addition to providing email automation, campaign management, and data integration & migration services. He loves gadgets, bikes, jazz and eats and breathes email marketing. He enjoys sharing his insights and thoughts on email marketing best practices on his blog.

Top 5 Digital payment trends for 2021

Top 5 Digital payment trends for 2021

In the last decade, technology has been gaining more and more influence on most aspects of our life. That includes shopping and making payments. The biggest shopping day of the year is Black Friday, and at first mention, the mind goes straight to long lines and large crowds at the mall. But, as it turns out, most buyers turn to online shopping instead of actually visiting the store.

Last year’s Black Friday broke all records when it comes to online spendings. Adobe’s analytics published that consumers spent $7.4 billion online. Yes, that’s billion with a B. And we don’t see that number going down with the pandemic and everything going on in 2020.

Because of how people handle it, and how quickly it exchanges hands, cash was always a potential vector of transmissible diseases. With COVID-19 still going on, the popularity of paper money is likely going to take a hit. What are the alternatives? If you aren’t familiar with other choices except for cash or credit card, this is the article for you. We are going to inform you about the best digital payments for 2021.

Infographic created by Clover Network, a retail POS company

EMV Chips Turn Cards Into Smart Cards

EMV stands for Europay, MasterCard, and Visa, but is most often referred to as a credit card with a smart chip. It uses the smart chip for storage of the data that is needed to process the transaction, unlike a mag stripe used by older credit cards.

EMV’s increased security is the reason more and more cards have chips nowadays. Unlike the mag stripe, which was a lot easier to clone, the chip is tamper-proof, thus making the card almost impossible to duplicate. Furthermore, EMV cards use a unique code for every payment, your bank then uses the code for the transaction, and once it’s used, it can never be used again.

Another plus for the use of EMV is the possibility of a contactless transaction. You can just tap the POS terminal, or even wave the card in front of it to make a payment. It allows you to use the card without putting in the pin. Contactless is the way to go in 2020.

You Might Be Using EChecks Already

If you went to the gym for a while, chances are, you used an electronic check without even knowing it. Most people do. Gym memberships are considered automatic payments, but in fact, they are fulfilled via eChecks.

By using eChecks, you only spend time when you agree on the terms for the first time, everything else is automatic. That’s the biggest advantage of electronic checks, significant time gets saved by both the client and the supplier, everything is done electronically. This type of online payment takes the agreed sum of money out of the payer’s account and transfers it to an overarching network, which deposits it to the payee’s account. 

Have you ever thought that you’ll be able to forget about your bills and not even think about the due dates, but everything still gets paid on time? EChecks make that possible!

Home Assistants Can Do All the Work

In 2014, Amazon came up with the first smart speaker, and a few years later, Google Home and Apple presented their home assistants as well. Since then, smart speakers have been helping people with their everyday tasks. Unfortunately, most users still don’t believe in the safety of their information with home assistants, so they mostly rely on them for tasks with less risk.

Statistically, 82% of all consumers use smart speakers for seeking information, checking the weather, and making appointments, while only 28% dare to send money or make payments. The percentage is significantly lower due to security reasons most users have, but the future of smart speakers is still bright.

With big names like Amazon, Google, and Apple investing in developing safer home assistants, we can assume that the future of smart speakers is secured. Also, Business Insider estimates that the usage of virtual assistants will unquestionably grow in the next few years.

Mobile Wallets Are Convenient

A mobile wallet is exactly what it sounds like, a wallet on your phone. What better way to lower the clutter you carry around in your pockets than to combine a phone and a wallet in one thing. That’s why the number of mobile wallet users is growing consistently.

Big companies like Samsung, Apple, and Google already have their applications that are used as a wallet, so we can expect others to follow with similar apps in the future. The possibility of just tapping your phone to make a payment makes the use of a mobile wallet practical, which a lot of buyers are looking for these days. Also, the app can store your loyalty cards, credit cards, and multiple companies can work together to make the experience extra convenient for you.

Use Your Fingerprint to Make a Payment via Biometric Authentication

This way of payment makes you realize that we live in the technological future. Biometric authentication uses a person’s biological and structural characteristics to verify who is trying to make a transaction. This includes methods like fingerprint scanning, facial and iris recognition, or even heartbeat analysis or vein mapping.

The main goals of all the transactions that are being invested in currently are security and fraud protection. It’s hard to find something more secure than bio authentication, and that’s why we’ll see more of it shortly. Stats suggest that by the year 2021, more than 18 billion biometric transactions will be completed, every year.