2020 tech trends and predictions by David Berks.
Future technologies like AI will mean 50 per cent of all jobs will be automated, and that AI powered robots will make superior workers. In reality, just 5 per cent of the jobs that exist today can be fully automated, and 85 per cent of the jobs that will exist in 2030 haven’t even been invented yet.
Rather than worry, business owners should prepare for a future where they are constantly relearning, adapting and innovating in order to thrive. The trends highlighted represent a huge opportunity for those ready to embrace change.
Death of the 9 to 5
In the next 5-7 years, technology will become smart enough to significantly augment human work. It will perform routine tasks that do not require human-only skills. People will then be able to spend more time on what really matters; creativity, fulfilment, happiness and building relationships.
This will boost productivity, and start to unbundle the traditional concept of the job. Working fewer hours and delegating routine work to smart machines will become a real option for many. Especially given that a third (33 per cent) of entrepreneurs say cutting down working hours is already a priority.
Restrictions on bandwidth availability and internet affordability have been holding business back. 28 per cent of SME owners say they’ve been impacted by connectivity issues. But this will soon be a thing of the past. Investment in 5G and the rollout of ubiquitous high-speed internet access is on the horizon and it will allow us to seamlessly communicate and interact with one another.
This will unchain people from their desks and allow businesses to service customers from anywhere in the world. And in the UK, will lead to the creation of more regional business hubs outside major cities.
When cash isn’t flowing properly it’s a matter of life and death. Late payment is an everyday concern for most businesses and on average, small business owners say that they could only survive for about 12 weeks if they had a month or two of poor cash inflows.
As technology evolves, late payments could be a thing of the past with invoicing and payments handled by intelligent software and digital assistants, within new e-invoicing and ‘smart contract’ frameworks. There is a real potential to create a payments environment where all payments are made instantly and at no cost.
The fintech - financial technology industry - has been booming and the UK is very much a market leader. Its rise has already begun to revolutionise the way small businesses operate. Things like how businesses make and receive payments, manage their cash flow, access working capital - and even currency exchange are all being reimagined by fintech businesses.
In 2020, we will continue to see the rise of the ecosystem approach, in creating new propositions and delivering banking and financial services to customers.
From email to FaceTime
Over the next five years, reliance on email will decrease. More than a third (37 per cent) of small businesses already use WhatsApp and tools like Zoom, Google Hangouts and Slack. But even these instant messaging apps aren’t going far enough. As the technology behind voice, video, AR and VR develops, communication will shift to these forms.
Whilst many small businesses will be glad to see the back of this turbulent year and decade, it’s not all doom and gloom. The small business world is evolving rapidly with some exciting opportunities for those willing to embrace and prepare themselves for change.
If you're an entrepreneurial business owner and need to grasp technology concepts to win then contact email@example.com
Strong customer authentication (SCA) for sme businesses - how to comply and avoid losing customers before Sept 14th deadline
AppuraCloud helps SME businesses and entrepreneurs take online and mobile payments in compliance with SCA and PSD2
Payments is a key part of the shopping experience no matter where and what you’re selling, Equally relevant to Not-for-Profit and .org companies. It’s especially important online where trust and security are top of mind.
If you’re selling in the European Economic Area (EEA), you may have heard about the revised Payment Services Directive (PSD2). It’s a regulatory requirement intended to increase protection against fraud for online purchases, and will have some impact on businesses in the EEA.
However, it’s our job to help you navigate these complexities of selling so that you can focus on running and growing your business. Here’s an overview of what’s happening, and what it means for you.
What is the revised Payment Services Directive (PSD2)?
The revised Payments Services Directive (PSD2) regulates the payments industry in the European Union. One of the major updates that comes into effect this year is stronger protection for customers who shop online using their debit and credit cards, which protects you too: fewer fraudulent charges is good for everyone.
To comply with these new regulations, you’ll need to make sure you have Strong Customer Authentication (SCA) for payments you accept from European buyers to help mitigate card-not-present fraud. Using appropriate ecommerce and online payment providers remove the complexity and hassle.
Avoid losing customers, win new business and avoid non-compliance penalties
Appura Cloud helps you choose and implement mobile and online payment solutions that provide compliant security for debit and credit card users. take payments anywhere, from a digital tablet at a festival, or a mobile phone in your busy restaurant.
Remember, customers buy online from where it's safe. Grow new customers as they shop from you rather than competitors who are not taking SCA seriously. Even advertise that you are SCA and PSD2 compliant, and use it as a marketing tool!
What is Strong Customer Authentication (SCA)?
Strong Customer Authentication is similar to what many people refer to as two-factor authentication: if a customer is buying online using their debit or credit card, SCA may require them to use two forms of authentication. As an example, instead of just entering their PIN or password, Strong Customer Authentication would prompt a customer to enter a code generated on their banking app as a second step. This makes it harder for fraudulent transactions to get through.
Customers are asked to enter this information only when it’s required through a technology known as 3D Secure—an extra layer of security that customers have to enter during checkout to authenticate themselves. Your customers will see the 3D Secure indicator start to show up on orders after PSD2 comes into effect.
What does PSD2 mean for merchants?
For example if you’re using some ecommerce platforms in Germany, Ireland, the Netherlands, Spain or the United Kingdom, you don’t need to do anything. You’ll be compliant in time for the September 14th, 2019 deadline automatically.
If you’re using some payment gateways in Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxemburg, the Netherlands, Norway, Poland, Portugal, Spain, Sweden, or the UK, you’ll also be fully compliant with PSD2 before the deadline and be able to offer SCA without any changes.
We encourage all merchants on third-party gateways to adopt technology recommended by Appura Cloud to make processing payments an effortless experience, even when it comes to compliance.
If you are unsure then contact Appura Cloud now,
Phone: +443336665554 (03336665554)
Contributers: Shopify, Appura Cloud, Stripe
@Appura Cloud Helps The Insight Network grow their business 700% in 9 months by delivering integrated,cloud-based solutions
AppuraCloud helped The Insight Network grow their business 700% in 9 months with an online approach that utilized integrated technology, rather than Bricks & Mortar, to attract new customers and manage the back office simultaneously.
"Since working with the team at Appura Cloud , we're surpassing our business objectives and have built a solid base for future growth, and with metrics like that, it’s hard to argue."
Gill Deane — Clinical Lead Practitioner - The Insight Network
Read more... https://bit.ly/2kpWjI5
"The UK's medium-sized businesses have been struggling to obtain affordable Salesforce.com delivery with high consulting day rates and development being off-shored" says Julian Painter, CEO AppuraCloud. "We've grown our team with UK expertise and deliver projects on time and on budget at prices that are sensible for businesses that want a faster return on investment. They are not here to spend money on IT, they are here to invest money in tools that their sales and marketing person, or people, actually use to get orders faster and never miss an opportunity"
Stephen Kelly, Sage CEO, backs Appura Cloud to deliver Sage Business Cloud, Sage Accounting & Sage Financials in the UK
When you run the 2nd largest technology business in the UK, and are the number one tech provider to small businesses, you need a reliable partner to implement your technology. That's why Stephen Kelly, CEO, Sage backs Julian Painter, CEO, Appura Cloud and the UK-based Appura Cloud team. Picture:- Stephen Kelly (left), Julian Painter (right)
Agenda for Salesforce.com World Tour - London Leg. Ready.. set... Go!
Sessions are all about learning, growing your success, and discovering how to connect to your customers in new ways. This year's agenda brings over 40 sessions to choose from. Check out the interactive tool below and filter by session type or job role. Click on the session title to view a description of what the session will cover.
Appura Cloud can integrate and reduce the cost of your marketplace apps. Buy and choose apps here
if you've wondered what digital and business cloud app tools your peers and competitors are using then take a look at this early 2018 list.
1. Microsoft Office 365 (Same rank as last year):
2. Salesforce (Same):
3. Amazon AWS (Up from 4 last year):
4. Google G Suite (Up from 5 last year):
5. Box (Down from 3 last year):
6. Concur (Same):
7. Slack (Up from 8 last year):
8. JIRA (Down from 7 last year):
9. DocuSign (Up from 12 last year):
10. Cisco Systems Meraki
11. Zendesk (Down from 9 last year):
12. Dropbox (Down from 11 last year):
13. ADP (Down from 10 last year):
14. Atlassian Confluence (Same):
15. ServiceNow (Up from 17 last year):
High growth SME businesses use Appura Cloud to choose, integrate and save both time and money on cloud applications. Get time back from IT and spend more time winning!
Data courtesy of Channel e2e
CEO, Julian Painter and Steve Kelly, CEO Sage UK share the stage for a Q&A with Sage Partners in Newcastle on 21st Feb, 2018. Appura Cloud, a certified Sage Business Cloud Financials (Sage Live) implementation partner is proud to help customers get their cloud version of the Sage product for accounting tasks up and running.
Sage Live Financials runs on Salesforce.com and Appura is one of a very small number of partners that can deliver both Sage Live Financials implementation for SME customers and Salesforce.com development for Accountants that are Sage Partners
Appura increase their Sage Live installation and implementation capacity
The Appura Cloud mission to maintain a position as the UK's no.1 Sage Financials (Sage Live) and Sage Business Cloud implementation company took another leap forward with the accreditation of more Sage Certified engineers at the Sage Dublin Customer Business Centre (CBC).
In addition to having access to over 50 Salesforce.com and Sage Live certified engineers, customers can have a variety of cloud business apps (e.g. Conga, Expensify, Krow) integrated into their cloud accounting software. This means that all financial data can be commonly used throughout the connected apps providing real-time financial dashboards anywhere, anytime and on all the popular mobile devices including phones and tablets.
For more information, go to www.appuracloud.com/sage