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Outsourcing – Make or Break Opportunity?

Outsourcing Advantages and Disadvantages

 

Outsourcing is a business practice in which services or specific job functions are done by a third party. If a company choose to outsource their services within their own country it’s called onshore and if they decide to outsource a distant country, we call it offshore. These decisions are made to save company’s costs. Outsourcing is known to offer various benefits to your business but it can also bring big challenges and expose you to big risks if negotiations and management of outsource relationships aren’t done wisely. According to the Information Services Group, the annual global revenue from information technology outsourcing is reached to 92.5 billion dollars in 2019.

 

Outsourcing work of marketing, accounts, IT, HR and many other departments can help business save money, make sure that the specific business tasks are handled by a specialist, save time and work in company’s product/service expansion. A study by entrepreneur.com demonstrated that 74% of companies outsource IT, 52% of companies outsource HR, 43% of companies outsource procurement, and 39% of companies outsource finance.

 

In an IT outsourcing process with a technology provider, a variety of operations following operations must be well discussed in advance, such as disaster recovery, network services, software development, QA testing GDPR implementation, in order to build a high-performance IT organization.

 

Here below is everything you need to know to ensure your IT outsourcing project success:

 

  • Outsourcing IT tasks / jobs must be as much structures and transparent as possible in order to overcome employees worries of losing their jobs.

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  • The main objective of outsourcing is to reduce operational costs and improve your business. This goal must be in your mind when you choose for an external provider/expertise to get your job done and so see positive results such as a reduce of a significant amount of your capital in hiring employee and equipment.

 

  • Outsourcing doesn’t mean that you have to compromise on the quality of work. An external partner would like to earn more commission and will have tendency to do their work quicker than the time a good project really needs. So, in order to deliver a good project, a balance between the quality and quantity of the services provided by the outsourced employees/firm must be well calculated.

 

  • Technology, trust, transparency and resources must be well considered before choosing any outsourced partner. Get a maximum information you need about tools, technology and experts that will be handling your project. Once you get this information, you’ll be able to select the most suitable vendor with the best team of experts and the last-gen updated technology to assist you the best with your business.

 

  • Don’t fall into the good-cost services trap. Always question the expertise of someone who agrees to professionally work on your project for amount way below average. No doubt that outsourcing is far more inexpensive than your in-house employee but it doesn’t mean that you can’t look multiple options and pay a little more to get your job done perfectly by doing a comparison of freelancers that’ll help you to get answers on questions like, how long they need to make your project, if they want to get paid on a fixed fee or by hourly, what experience they have with related projects, what type of projects have they already done, if they are able to give you references of companies they’ve completed projects for.

 

  • Communication is the key to a successful collaboration and innovation. Time, language or cultural differences must be well studies before doing business with a third party especially when it’s an offshore partner. In order to avoid a negative impact on work quality or delays in project timings, you must find time for communications to give your feedback and talk about the ongoing project.

 

As mentioned above, Outsourcing is driving tremendously economic growth by creating job opportunities, offering better standard of living, building and maintenance of infrastructure. In addition to that Outsourcing has made it possible for companies to divide their service and production processes into different elements which can be contracted and executed in an organized and cost-effective way.

 

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How to Deliver and Outstanding Customer Service in 2020

Customer Satisfaction 2020

 

Customer satisfaction is defined as a customer’s overall evaluation and experiences made with a certain business concerning its given products, the sales process, and the after- sale service. This overall satisfaction has a strong positive effect on customer loyalty intentions across a wide range of product and service categories (Gustafsson, 2005).

 

What a company thinks its customer wants is not necessarily the same as what they think they have to offer or they actually are offering to enhance their customer’s experiences (Hubert Rampersaud, 2001). In order to remain their positions and become the trendsetter in the new decade, companies must be careful enough if they are wondering what will affect customer experience (CX) or customer satisfaction in 2020.

 

A study by the American Society for Quality shows that 67% of customers leave a company because of an attitude of indifference on the part of a company employee, 22% leave a company because their loyalty isn’t rewarded, 34% of customers leave because of dissatisfaction with the product, 10% of customers leave for other reasons (death, relocation, etc.) and 99% of customers leave because of competitors and they believes that you don’t care about them.   Therefore, improving and personalizing customer experience is the top priority for over 55% of companies.

 

In order to have a continuous improvement of customer satisfaction, companies must respect a 4 steps cycle which starts with listening to voice and needs of customers then analyzing their comments, developing actions and at the end implementing. And to achieve a thorough customer satisfaction, companies need to implement good working condition for their employee’s satisfaction, which then will lead to loyal employees and by preparing all this, good production would be followed which will be influenced on customer satisfaction and retention by making them loyal.

 

More and more companies are implementing automation in their process for cost reduction related with customer services ‘human’ agents but a report from Forrester “Customer Service Chatbots Fail Consumers Today” shows that just 63% of consumers are satisfied with their experience with a chatbot”. Humans are still crucial to the service aspect of 2020 digital CX. They must work in collaboration with chatbots to provide the best customer experience possible.

 

Sometimes the key to your customer’s heart lies not so much in giving them what they ask for, but in anticipating what they will need and giving it to them before they ask. And you can do that by putting yourself in their shoes. Think about your memorable experiences that you’ve come across while shopping for a car, furniture, coffee, service etc. What needs and emptions you had while making a big purchase and how a company helped you or could help you to minimize your fears, make you feel appreciated and valued?

 

According to Accenture, 75% of consumers are more likely to purchase from a company that knows their name, their purchase history, and/or recommends items based on their purchase history. So, if you can guess and anticipate meeting your customer’s needs before they even know they need them, a greater success in achieving customer satisfaction and loyalty along with an enormous edge over any other competitor in your industry is guaranteed.

 

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2020: Data Center Trends and Transformation

2020: Data Center Trends and Transformation

With the exponential growth in the amount of data, things are changing quickly for the data-center industry. International Data Corporation (IDC) estimates that worldwide data will grow to 79.4 zettabytes (ZB) by 2025. Since it is almost impossible for a company to increase its own data stores every year, they are increasingly turning to IT services from the cloud. Cloud adoption and the rise of hyperscale IT and cloud firms has driven demand, particularly for large-scale space, but also for innovation. Those cloud providers that can provide innovation, automation, scalability and flexibility and customization will be able to differentiate themselves from the competitors and survive in the long term.

 

Gartner predicts that, by 2022, 28% of spending in key IT segments will shift to the cloud, 41% of enterprises workload will be run on public cloud by 2020 with a split of 20% on private cloud and 22% on hybrid, according to Forbes.

 

To keep pace with complete digitization and survive long term, data center providers must:

 

  • Attract multiple hyperscale deployments to build their cloud ecosystem
  • Provide with innovation, automation, scalability and flexibility and customization
  • Have their data centers in multiple remote locations
  • Data-centers are well-equipped with backup solutions for all primary components, such as HVAC, fire, power, etc
  • Are equipped withdisaster recovery plans in case of mishaps, power failures, etc
  • Have an interconnection platform, or services beyond colocation
  • Are able to possesses a large ecosystem of clients/customers who are already interconnected.
  • Implement and respect European cloud data rules and regulations for secure digitization and networking
  • Being able to handle companies’ data, either it’s healthcare, mobility, banking or manuacturing, safely and efficiently in clouds
  • Provide a rapid upgrade
  • Are using up-to-date version of software and technology to protect company assets, along with a strong physical security, as the average cost of a cyber attack on data centers reached to $18.9 million, up from $8.9 million.
  • Are capable to respond to the accelerating demands of big cloud operators for more capacity, equipment designs, build approaches, and incremental power requirements and hyperscale option.
  • Are well organized to fight back with down-time in case of power issues with battery backup and onsite generators.

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This shows how important it is to select a data center that meets your business needs. The wrong data center could lead to issues with poor Internet service, limited scaling, security breaches and can be the reason to damage your company’s reputation. But, despite the checklist above, selecting data center is not as complicated as it may seem. When it comes to what data center you choose, the most important factor is the services offered, followed by proximity to your primary audience. The advantage of working with a good data center is getting all of the benefits of access and not having headaches of being responsible for any infrastructure.

 

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Malware: Is it Risk-free to Connect External Devices to your computer?

Risks of Connecting External Devices to your computer

Malware is one of the most frequently encountered cyberthreat and somehow involved in 30% of all data breach incidents, reported by ENISA Threat Landscape Report. While organizations are interconnected more than ever before, malware is growing rapidly on mobile threat landscape. Companies are giving access to remote data in order to enable their employees to perform their work anywhere they want, using devices such as smartphones, tablets and laptops.

 

Even if employees don’t have their office device (laptop) with them, they are given the flexibility to use external devices and removable media with data on it to complete their daily business operations regardless of their physical location. But these external devices can act as a gateway to malware and data theft, if employees have access to copy company’s sensitive data to removable device, this data can come out of the company’s control and protection. In addition to that USB drives can be use to steal data or compromise systems by malicious insiders, without companies realizing the problem in good time. For this reason, device control is an important part of data security. Using simple storage media may seem us harmless, but according to Safetica, 80% of businesses experience a security incident every year with an average cost of a data breach of $4 million which leads to 2/3 of small companies to go out of business within 6 months of a major data breach. In addition to that, TechAdvisory.org reports that 25 % of malware (malicious programs) is spread today through USB devices. Once they are connected to the USB port of any computer and contains malware, your pc can easily get attacked from those viruses.

 

In order to avoid any loss of information and a malware attack, companies and employees must pay attention the following checklist:

 

  • Limit the use of removable devices except when there’s a real business need to copy the data on or from a removable device checked by the IT department.
  • Unauthorize the access of copying data to removable devices for everyone except to the authorized profiles.
  • Create security policies to safeguard enterprise devices from all malwares and risks that portable media devices can cause.
  • Educate your employees about risks of using portable devices.
  • Scan each removable media against malware/virus directly after it’s been inserted into the USB port of computer.
  • Lock the sensitive information and all data saved on external device with a strong password.
  • Encrypt the data and content stored on removable device.
  • Never leave your removable device unattended. Put them in a secure place when not in use.
  • Don’t insert someone else removable device in your USB port in order to avoid virus that can infect your computer system with malwares.
  • Keep the security software’s and antivirus up to date in your computer.

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Pros of a Multi-Cloud Strategy

Multi-cloud Popularity

Did you know that 77% of enterprises have at least one application or a portion of their enterprise computing infrastructure in the cloud? Did you also know that enterprises are increasingly putting money in the cloud and 15% of them intend to adopt cloud apps and platforms in the next 12 months? This is according to the Cloud Computing study conducted by IDG in 2018.

 

With the rise of tech, even an ordinary individual like us uses the cloud, especially when we’ve to manage photos, files, and documents on various websites and apps such as dropbox, iCloud etc. Business-wise, though, 77% of enterprises are using cloud apps, platforms, and services, as mentioned above. Enterprises have different use cases of cloud computing but there are those who go beyond the ordinary use cases. These innovative companies conduct cloud management, by using public, private, and hybrid clouds, to drive growth and to adapt to an ever-changing technological landscape. In addition to that,Multi-cloud concepts are on the rise as companies seek more choice about the best place for their data and workloads.

 

Before understanding a multi-cloud strategy, it’s recommended to differentiate different type of clouds, such as, public, private and hybrid.

 

A public cloud is provided by companies like Amazon, Microsoft, Google, and IBM and t you can pay on a subscription basis or on a pay-as-you-go model. A private cloud, on the other hand, is for the use of a single company only. It is designed for the unique infrastructure of an organisation and for its use case and can be deployed on-premises or in data centres that offer colocation services. Lastly, the hybrid cloud is a combination of at least one public and one private cloud services. They are unique entities but are connected with different technologies.

 

Multi-cloud concepts are on the rise as a growing number of companies seek more choice about the best place for their data and workloads in order to meet various business and technology requirements because no single cloud model can fit the diverse requirements and workloads across different business units. The multi-cloud is more than just the parallel use of multiple clouds. It’s a comprehensive strategy to make the most of each of the available cloud technologies. Since many companies already use different cloud technologies, the question arises of how to bring these technologies under one umbrella. IT teams are looking for ideas, strategies and solutions to take the next step towards a unified multi-cloud.

 

So, In the process of cloud adoption, here below are few tips of what IT teams should consider to take full advantage of the flexibility of the cloud to adopt a multi-cloud strategy with the help of three key technologies that are important in building a multi-cloud environment.

 

As legacy tools aren’t compatible for work in new multi-cloud environments, it’s is necessary to adopt new solutions to give organisations the freedom to move to, from, and between any combination of clouds, and by far the main benefit of creating a multi-cloud infrastructure is that it provides enterprises with the flexibility needed to innovate at speed.The reason for this is that it doesn’t tie them to the specific set of services provided by various individual cloud providers. As a result, the way an enterprise chooses to innovate is its own.

 

However, using software and tools that are not specifically designed for multi-cloud scenarios can be an incredibly frustrating process that completely rejects the benefits of the multi-cloud. To effectively implement a true multi-cloud strategy, organisations should not seek to integrate legacy tools into their new environments. Instead, they should introduce new solutions that are focused on the future. There, the majority of businesses use more than one cloud platform to keep their workloads and data in the ideal place while fully protecting it.

 

The multi-cloud offers great benefits for businesses that can get the most value from any platform but at the same time, it brings new challenges of removing barriers to data and cloud storage management. To maximize the benefits and meet the challenges, organizations need a scale-out storage solution that bridges the gap between local and cloud environments and allows users to combine data in private and public clouds around the world as a single unified management. This allows users to store, protect and search data from a management interface, regardless of where the data is physically located.

 

Opting for multi-cloud solutions means opting for a cost saving strategy. As each cloud provider offers different storage options at different price packages, companies can easily meet workload performance requirements at a very interesting price. In addition to that, having a multi-cloud is also beneficial to avoid any vendor lock-in.

 

No doubt that a multi-cloud strategy allows organisations to create the best cloud solution for their business by taking advantage of the best of what each cloud offers, minimises vendor lock-in, and provides more opportunities for optimization.

 

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Mobile Payments Acceptance in Belgium

Mobile Payments Acceptance in Belgium

 

Mobile payments are transforming the payments industry, versatile innovations in this technology and payment methods are taking customers into a cashless world. These services are offering the possibility for non-banking actors to enter the market. To grasp this test and embrace this challenge, banks, traditional payments market players, are compelled to launch mobile payments.

 

A survey conducted by PWC on Mobile Payment 2019 that analyses customer acceptance of mobile payment in Belgium shows that Belgians are using frequently mobile payment with 47% current usage rate and it’s expected to increase by 68% by 2025.

 

The survey reveals that 47% of Belgians use Mobile Payment via smartphone or tablet. In Belgium, the leading payment method is cash, with 98%. Respondents gives second place to the online payment, with an 83% preference rate. In five years’, time, Mobile Payment is likely to reach a complementary position by attaining a 68% usage rate, rather than replacing traditional methods. Though it would follow that mobile payment users willing to make the digital jump would want to ditch their wallets entirely, that’s not exactly the case. The survey shows that the preference for cash and EC card payment methods is still expected to be over 90%. It tends to be presumed that individuals in Belgium stay wary about biometric and automated payment methods.

 

When it comes to advantages related to mobile payments, among the respondents, 71% consider that Mobile payments makes buying and paying less complicates, 63% are satisfied to be able to check transactions and movements of money on their mobile and 54% are happy about not carrying the burden and risk of having cash.

 

80% of respondents showed their worry in case their mobile might be stolen and misused for mobile payments and 47% thinks that mobile payments encourage to buy more.

Whether Google Pay, Apple Pay or pay by mobile bill, mobile payment is more relevant than ever. Many vendors are joining the hype about paying with your smartphone. But although mobile payment is spreading rapidly, many customers are still skeptical and wary about the trend. Here below are most common myths of mobile payments.

 

  • Mobile Payment is a new Technology

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Mobile payment is well known, not as an advanced development of PayPal, Apple or Google pay. The innovation has been around for over ten years through the form of paying via mobile phone bill. Here you only need a contract based or a prepaid cell phone. A bank account, Paypal account or a credit card are therefore not a requirement for mobile payment.  So, customers may choose whether to make their purchase by credit card, direct debit or simply by mobile phone bill.

 

  • Online payments will bring offline payments to an end

The trend of online payments is growing very fast but regardless of the popularity and growth of online payments, they will never replace the good old cash.

 

  • If my mobile might be stolen it can be misused to make Mobile Payments

This is one of the most across the board explanations concerning mobile payment. Since the start of 2017, all Clean Market Initiative mobile operators and administrators have shut these potential security holes through the redirect process. When a customer wish to purchase from a third-party provider via his phone bill, he is redirected to the service-independent page. There they have to confirm the payment by clicking or with a tan that is given to them by SMS, only. If the customer confirms the payment, they will receive a confirmation SMS after the transaction. The key safety factor here is that the customer is again explicitly pointed to the displayed offer and asked if he really wants to pay. Through the redirect process, paying by mobile bill has become secure and transparent.

 

  • There is no safe protection against misuse of payment by mobile account

A third-party block can be used to prevent unwanted third-party services that are purchased by mobile phone and billed via mobile phone bill. The same applies in the case also for services, which might be used. Thus, no money can be obtained without the consent of the customer, for example by an unwanted subscription, via the mobile phone bill. This lock can easily be set up with the respective mobile service provider. There are also different locking and configuration options that take into account the different usage and consumption behavior of mobile customers. However, after setting up a third-party lock, some comfort must be avoided. For example, it is no longer possible to pay for parking tickets or public transport tickets by mobile phone bill. Even purchases in the App Store, Google PlayStore, Spotify or Apple Music are then no longer possible on mobile bill.

 

  • Mobile payments can be used only for digital goods purchase

Mobile Payment is versatile, both online and offline. The payment method “Number simply by mobile phone bill” allows for the purchase of digital goods, for example, the purchase of parking tickets, public transport tickets and stamps.

 

 

Mobile Payment is a cutting edge, forward-looking and secure approach to pay with your smartphone. Ease and speed of payment seem to be the main advantages of Mobile Payment. Specifically, paying by mobile phone bill brings additional benefits in terms of security, since neither bank nor credit card information must be deposited.

 

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HyperScale and Data Management

A hyper-scale data center is mega-sized data centres that have a huge number of computers, network hardware, cooling systems, and are able to support thousands of physical servers and millions of virtual machines. As the technology is growing at exponential rates, big providers such as, Amazon Web Services (AWS), Microsoft Azure, Google, IBM Cloud, Oracle, SAP etc are redefining hyper-scale data centres for data storage and optimising speed to deliver the best software experience possible.

 

In this evolving IT landscape, for customers as well as companies, the question arises of which strategy they want to use for their data storage. They can choose from the following two options, either they can outsource and move their data to an external data center facility, either they can choose to move their traditional ‘physical’ data center to the clouds, means instead of investing in their physical hardware’s, they may opt to rent server in clouds. With this process of outsourcing, companies can reduce payroll costs and ensure that they remain up to date with the latest technological advances.

 

This need of outsource has created the requirement of hyperscale data center, which can operate, analyse and model the massive amounts of data flowing through their systems and offer insights into user behaviour that can be used to generate further income streams. As traditional architectures are not suited to adapt to new cloud centric infrastructure and operations, outsourcing Hyperscale represents a lot of advantages. Companies can benefit from a flexible and customizable IT infrastructure at exactly the level of traceability and cost, adapted to their capacity and need for specific workloads. The principle is simple: The low Total Cost of Ownership (TCO) comes from the fact that the data centers are usually equipped with standard and thus inexpensive standard components and second, that due to virtual infrastructures for larger data volume no more space, air conditioning or electricity is needed.

 

However, companies must not only work with one a single vendor. Using cloud services from more than one hyperscaler avoids dependency on a single vendor. Connecting with different Hyperscaler companies can also choose, depending on the requirements, the individually matching cloud service. This keeps them flexible in order to respond quickly and cost-effectively to new business challenges. This approach requires well-thought-out architectures, as in addition to disk space and computing capacity, data traffic also costs money in the cloud. Unnecessary and duplicate data exchange with Second Source can also increase costs.

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But where exactly are the differences in the hyperscalers? Well, the pitfalls lie in the different cloudstack. The most important distinguishing features can be divided into three categories: product diversity, performance classes and workload-specific target groups.

As no company is the same, sometimes performance, sometimes security, sometimes compliance, then again the availability or the costs or criteria such as scalability, connectivity and other workloads have priority. This question must respond to each companie’s need individually in the selection of hyperscaler.

 

Both in strategy and in purchasing, new thinking is required. Because the potential of the Hyperscaler can only be raised if the companies say goodbye to their single sourcing strategy. Multi-cloud sourcing strategies imply that businesses can move from one provider to another at any time and even distribute the same workloads among multiple resources.

 

Public cloud services are now demanded not only by large but also by medium-sized companies as a managed service. Hybrid and multi-cloud models, which constantly analyze new services and integrate them into managed service offerings, dominate.

For the path of the public cloud transformation, the supporting service providers have to offer a wide range of services and technical implementation. They act as partners of the large public cloud providers and have to know their advantages and disadvantages and advise their customers accordingly. Service Providers need to know all the offerings of the cloud providers in detail and to harmonize them with the requirements and business processes of the user companies.

 

Hyperscale computing is highly decisive choice for organizations dealing with large data volume, so the usage of the new computing system will be seen more in the area where companies demand big analytical needs.Since hyperscale computing is attracting more users, legacy methods of data management are no longer enough to meet the data management needs due to explosive data growth. HyperScale Technology provides a modern data management that is scalable, highly resilient, and simple. It allows organizations to manage data seamlessly on-premises and in the cloud. With Hyperscale Technology solutions companies can removes the burden of day-to-day operations with a simplified installation, automated and self-service operations, and update process.

RPA – Robotic Process Automation Benefits in Digital Landscape

Robotic Process Automation Benefits in Digital Landscape

 

Any business who is new to the digital landscape can faceevery day a new way to do business on the digital road. And they can easily get surprise to learn the quantity of time they were wasting by doing their business in anold-fashioned way=manually. Stepping out for a digital environmentadaption will certainly change the way how people used to work.

 

How? Roboticprocess automation (RPA)is made for automation of manual and low-value repetitive tasks, such as,dataentry (order, invoice, etc), looking up information in databases, typing in updates,preparea template, run and download reports, readand reply email, send mails to follow up with customers, etc. And with every manual process, chance of human error is present.

 

Simply put, RPA is used to automate repetitive, rule-based digital tasksbyinteracting withcomputer software and applications and information sources in a betterwaythanhumans do now.With the advances of digital technologies, use of RPA is getting more and more powerful because not only they can handle complex Business Process Management (BPM) activities but they are being use for decision making.

 

RPA can provide many benefits to organizations, few of them are listed below:

 

  • RPA can help in reducing manpower costs of any organizations. As the work is automates and done faster round the clock, companies don’t need to hire a 24/7 working staff. In addition to that, RPA promises to deliver better work than human workforce.

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  • Helps to control and minimize the risk of errors. As RPAs can replace humans in doing repetitive tasks, plus companies can assign humanstasksthat are worthy of their time, skills and experience to the projects that drive innovation and growth.

 

  • Reduce paper waste as it’s one of the biggest threats to the environment. So, in the digital world, RPA can communicate via digital mediums and save and store data in multiple forms in different storage (cloud or in-premises) without any use of paper.

 

  • RPAs are known to do more in less time and are flexible to adapt to any last-minute change in process.

 

  • Organizations can remote work from distance as all RPA software benefit from the centralized management platform. It offers a better business management along with high levels of security.

 

  • Improves customer experience by following up queries without any delay by using its automation capabilities.

 

 

RPA is, without anydoubt, a creative solution to handleissues oftraditional work environments. If properly implemented, businesses can 100%benefit from it and recover their ROI in no time. Also, withthe increasing adoption of RPA in businesses and enterprises, the demand for RPA professionals is increasing. Therefore, companies in future will be successful in they combine human and machines to drivethe best value of their businesses.

 

Sources:

22 Benefits of Robotic Process Automation (RPA)

TOP-5 BENEFITS OF ROBOTICS PROCESS AUTOMATION (RPA) ADOPTION FOR YOUR COMPANY

Business Benefits of Robotic Process Automation

5G Network Use and Benefits

5G Network Use and Benefits

 

The decision to expand the 5G mobile network standard in Europe is intended to offer many new opportunities for both consumers and enterprises.It is certainlygoing to have a massive impact on almost every facet of how we use technology, with faster data speeds, lower latency, and increased connectivity, it’ll open up huge new frontiers in everything from smartphones to self-driving cars.

 

What is 5G?

 

5G is the fifth generation of wireless communication standards,promising much faster data download and upload speeds, wider coverage and more stable connectionsmeans, whatever we do now with our smartphones we’ll be able to do faster and better. The fifth generation of the network standard replaces 4G / LTE as the most powerful mobile network and for the first time offers extremely fast transmission speeds for enormous amounts of data.

 

5G Benefits

 

With 5G integration, consumers are most excited for immersive entertainmentwithfaster data transfer feed, streaming videos from mobile apps, high definition video content,uninterrupted video,driverless cars, zero-delay virtual reality, and no-latency gaming.On the industrial side, 5G is thekey to expandand realizethe full promise of the internet of things (IoT), with its impact to be felt in smart homes, smart cities, and smart industries.

In addition to that, from the end of European Parliament, initiatives have already been launched to accelerate the implementation of5G. According to the Commission, the benefits of the industrial internet are expected to boom, with the implementation of 5G that will transform sectors such as manufacturing, energy, vehicle manufacturing and healthwith the following benefits such as:

 

  • Increase in productivity and jobs: companies willcreate new jobs
  • Innovation and employment benefits
  • New advances in artificial intelligence, data analytics and cybersecurity
  • Possibility to deliver better, faster and cheaper servicesalong with a better customer experience
  • 5G’sgreater capacitywill impact positively on the networks to cope better with many high-demand applications all at once
  • 5G is expected to be ‘ultra-reliable’, means 100% guaranteeconnectivity
  • 5G networks promise to be more flexible
  • Smarteruse of resources such as energy and waterwith the integration of IOT connected smart devices
  • Reduction in power consumption, especially for IoT devices, the power savings could be significant
  • 5G promisesto extend the battery life of devices by up to ten times
  • Due to the extremely low delay times in the data transmission of less than 10 milliseconds, the 5G network can also increase networking and control of machines and robots in real time
  • 5G will unlock the true capability of drones while sending back high-definition video.
  • 5G willenhance the experience of virtual reality allowing you to chat in real time with live-streaming virtual worlds.

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While the 5G network may still be under development, there’s no doubt that 5g technology is going to be a new revolution in wireless communication systems. With every new generation of data network, there are alwayshigh expectations, so let’s hope 5G willdeliver everything it promises, means everything is connected, processed and digitised.

 

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PSD2 – EU Regulation for A Strong Customer Authentication

On 14 September 2019, a new EU legislation called PSD2 aka Payment Service Directive 2 has been introduced across the European Economic Area (EEA) to make online payments more secure with the integration of a stronger customer authentication for online payments/purchases. As per PSD2, most online transactions between EEA- based businesses and consumers will have to undergo a Strong Customer Authentication (SCA). It means that when a customer pays online by card, they must be authenticated in a strong manner, to prove that they are the rightful card owners. The aim is to fight against fraudulent payments and make online payments more secure.

 

What is Strong Customer Authentication?

 

SCA is a process in which cardholders must take extra steps during the payment process for purchasing anything online, or when a card is not physically inserted into a Point of Sale machine by using at least two of these three methods: something the customer knows (such as a password or PIN), something the customer has (such as a phone or hardware token) or something the customer is (such as a fingerprint). This is called 2-factor authentication.

 

When should it be applied?

 

Strong Customer Authentication is only applied when the card holder is not physically present (remote transactions). If an e-commerce attempts to charge a card without performing SCA, there might be a higher chance that the transaction will be declined.

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In which countries will SCA under PSD2 apply?

 

Within the European Economic Area, means the business’s bank from which a customer wants to purchase something and the customer’s bank/credit card company both must be located within the EEA.

Banks will face a real challenge aligning their response to GDPR’s demands for stronger data protection with the PSD2 drive to Open Banking. PSD2 directive is not only a way to improve online payment security, but also a way to improve user experience. For ecommerce players, authentication process occurring during a payment has always been a tricky equation: find the balance between a high-level of security in order to prevent fraud and provide a good customer experience in order to avoid transaction abandon. PSD2 is a solution to solve this equation, and ultimately offer a better and secure payment experience to customers.

 

 

Source:

Strong Customer Authentication – What internet businesses need to know about the new European regulation<  

Strong Customer Authentication (SCA) is coming  

Payment Services Directive 2 (PSD2)  

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