#Mobile Money Service

[papermonkeyism]

HI ok I gotta ask - your post has made me insanely curious - you mention having cash at hand while waiting for your new card (resourceful) but none of the sources of cash was a bank or ATM.

Where I'm from cash is still used a lot (as we minimum wage workers get paid in cash) and as a result there are multiple ATM's within walking distance at all times and banks no more than 15-20 minutes drive away. Is this... different where you're from? (For context I'm from Africa)

We get paychecks directly to the bank account here, and I usually just pay with my card everywhere I need to, because it's more convenient than having a lot of coins and bills around. While there are ATM machines here (there are several within a walking distance from where I live), you use them with your card, so without having one, I can't get money out of the money withdrawing machine. I don't know how you do it, but without a card I can only get money out of the bank account by (online) bank transfers, and that's pretty hard at grocery store register.

Our bank offices stopped handing out cash several years ago, of which I am still very salty about.

I got some cash from my mom, and I had a handful of coins left over from the last time I had used an ATM a while back, but that's kinda rare for me, since most places accept card.

[manasurge]

Ogod, my schedule for the next two weeks are such ASS. wtf… I’m going to be SO FREAKING TIRED and so freaking depressed. I hate it I hate it I hate it.

[notaryunlimited]

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[llatimeria]

hey if you like fucking around with mobile games and free money, consider signing up for Mistplay with my referal link. Mistplay awards you points for reaching checkpoints in mobile games that you can then cash out for actual real gift cards for all kinds of stores (or paypal). it's genuinely not hard to rack up enough points for a $5 gift card, which might be a special little treatie you otherwise wouldn't have been able to afford, just for playin some games.

normally mistplay gives you a paltry 100 points for "successful referals" (where the referred person actually cashes out a card) so i haven't bothered with the effort of recruiting people to this, but for the next 3 days they're running an event where referals get me 1500 points each if you cash out, and that's genuinely about $5 so i guess that's the amount it takes for me to sell my soul and pitch sketchy datamining apps to my friends and followers.

i know the cultural zeitgeist on tumblr is very protective of their data, which i definitely understand, i just am a disabled person who can't do real jobs so i keep trying to find stupid little "side hustles" to occupy my time/pad out my bank account so i can hopefully become financially independent from my parents someday, and genuinely i find fucking around with stupid mobile games pretty fun so if they're going to siphon my data anyway I might as well get paid for it :v

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[mirainawen]

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[fishmech]

sometimes you see a fundraiser and its for executing on a plan that is definitely going to at best worsen a person's situation extensively and at worst it's gonna get them killed because they do not understand the problems they're gonna run into doing that move they want to make.

but what are you going to do about it, message them? they're already convinced it's a bit late for that lol.

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[ujwala-hole11]

Mobile Money Market Insights How Mobile Banking is Transforming Financial Services

The mobile money market is rapidly expanding worldwide due to several key factors. The increasing adoption of smartphones, rising internet penetration, and growing demand for fast and convenient financial services are major drivers of market growth. Mobile money services provide financial solutions for the unbanked population, offering them access to banking services through their mobile phones.

Additionally, the growing e-commerce sector has further fueled the demand for mobile money solutions as consumers prefer digital payments for online shopping. Financial institutions, mobile network operators, and fintech companies are leveraging this opportunity to launch innovative mobile money platforms, contributing to the market’s rapid growth.

Mobile Money Market Insights: Rising Demand for Digital Payments

The increasing preference for digital payments over traditional cash transactions is significantly driving the mobile money market. Consumers worldwide now seek faster, more secure, and convenient payment options, leading to a surge in mobile money services.

The COVID-19 pandemic has accelerated the adoption of digital payments, pushing businesses and individuals to rely on cashless transactions. Mobile wallets, peer-to-peer (P2P) transfers, and contactless payments have become increasingly popular, encouraging market players to enhance their mobile money offerings. The demand for digital payments will continue to shape the mobile money market’s future.

Mobile Money Market Insights: Role of Fintech in Enhancing Mobile Transactions

Fintech companies are playing a transformative role in the mobile money market by introducing innovative and customer-centric financial solutions. Their ability to offer seamless mobile payments, instant money transfers, and digital wallets has increased consumer trust and market penetration.

Fintech firms collaborate with banks, mobile network operators, and e-commerce platforms to expand their customer base. With technological advancements such as blockchain, biometric authentication, and AI-powered payment solutions, fintech companies are significantly contributing to the growth of the mobile money market.

Mobile Money Market Insights: Impact of Smartphone Penetration on Market Growth

The rapid increase in smartphone penetration worldwide is a key factor propelling the growth of the mobile money market. Millions of people, especially in developing countries, now have access to smartphones, allowing them to use mobile money services conveniently.

Smartphones enable users to make payments, transfer money, pay bills, and conduct other financial transactions without visiting a physical bank. The availability of low-cost smartphones and affordable internet services has played a critical role in driving mobile money adoption. This growing smartphone user base is expected to boost the mobile money market’s growth.

Mobile Money Market Insights: How Mobile Banking is Transforming Financial Services

Mobile banking services have emerged as a game-changer in the financial services sector, transforming how people access and manage their finances. Through mobile banking apps, users can perform a wide range of financial transactions, including money transfers, bill payments, and balance inquiries.

Mobile money services have enabled financial inclusion for unbanked populations, allowing them to access financial services conveniently. Additionally, mobile banking has reduced dependency on traditional banks, allowing individuals and businesses to perform secure transactions from their mobile phones. This transformation is reshaping the financial landscape, contributing to the mobile money market’s growth.

Mobile Money Market Insights: Opportunities in Unbanked and Rural Areas

The mobile money market presents immense opportunities for growth in unbanked and rural areas, where traditional banking infrastructure is limited. Millions of people in developing regions do not have access to formal banking services, making mobile money a valuable solution for financial inclusion.

Mobile network operators, fintech companies, and financial institutions are expanding their mobile money services in rural areas to bridge the financial gap. This trend is not only driving market growth but also fostering economic development in underserved regions. Expanding mobile money services in rural areas holds great potential for future market growth.

Mobile Money Market Insights: Role of Government Regulations in Market Development

Government regulations and policy frameworks play a critical role in shaping the mobile money market. Regulatory bodies aim to promote financial inclusion while ensuring consumer protection, data security, and financial stability. Favorable regulatory policies have supported the expansion of mobile money services in many countries.

However, complex regulations and compliance requirements can sometimes hinder market growth. It is crucial for governments to create a balanced regulatory environment that promotes innovation, competition, and financial inclusion. Establishing clear and transparent regulatory frameworks will accelerate the growth of the mobile money market.

Mobile Money Market Insights: Cross-Border Transactions Driving Market Expansion

Cross-border transactions and international remittances are becoming significant growth drivers for the mobile money market. Millions of people working abroad rely on mobile money platforms to send money to their families back home, fueling the demand for mobile money services.

Mobile money operators offer fast, low-cost, and secure international remittance services, allowing seamless cross-border money transfers. The increasing global mobility of individuals and businesses is expected to further boost cross-border mobile money transactions, creating lucrative market opportunities.

Mobile Money Market Insights: Increasing Consumer Preference for Cashless Payments

The global shift towards a cashless economy has significantly contributed to the growth of the mobile money market. Consumers prefer cashless payments due to their convenience, speed, and enhanced security features. This shift is encouraging businesses, financial institutions, and mobile money operators to enhance their digital payment solutions.

Contactless payments, QR code-based payments, and mobile wallet transactions are becoming increasingly popular among consumers. As technology continues to evolve, mobile money services will become more sophisticated, further driving market expansion and adoption.

Mobile Money Market Insights: Future Outlook and Market Opportunities

The future of the mobile money market looks highly promising, with continuous technological advancements, increasing smartphone penetration, and growing demand for digital financial services. As mobile money becomes more integrated into everyday life, the market will witness significant growth in the coming years.

The development of innovative payment solutions, secure mobile wallets, and seamless cross-border transactions will open new market opportunities. Additionally, expanding mobile money services in unbanked and rural areas will enhance financial inclusion, driving overall market growth.

In conclusion, the mobile money market is poised for exponential growth, driven by rising smartphone penetration, increasing demand for digital payments, and technological advancements. Fintech companies, mobile network operators, and financial institutions must continue to innovate and collaborate to capture emerging market opportunities. By addressing regulatory challenges, enhancing financial inclusion, and offering secure mobile money services, stakeholders can position themselves for long-term success in the rapidly growing mobile money market.

[justsayyesmiss]

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[tofupixel]

⭐ So you want to learn pixel art? ⭐

🔹 Part 1 of ??? - The Basics!

Edit: Now available in Google Doc format if you don't have a Tumblr account 🥰

Hello, my name is Tofu and I'm a professional pixel artist. I have been supporting myself with freelance pixel art since 2020, when I was let go from my job during the pandemic.

My progress, from 2017 to 2024. IMO the only thing that really matters is time and effort, not some kind of natural talent for art.

This guide will not be comprehensive, as nobody should be expected to read allat. Instead I will lean heavily on my own experience, and share what worked for me, so take everything with a grain of salt. This is a guide, not a tutorial. Cheers!

🔹 Do I need money?

NO!!! Pixel art is one of the most accessible mediums out there.

I still use a mouse because I prefer it to a tablet! You won't be at any disadvantage here if you can't afford the best hardware or software.

Because our canvases are typically very small, you don't need a good PC to run a good brush engine or anything like that.

✨Did you know? One of the most skilled and beloved pixel artists uses MS PAINT! Wow!!

🔹 What software should I use?

Here are some of the most popular programs I see my friends and peers using. Stars show how much I recommend the software for beginners! ⭐

💰 Paid options:

⭐⭐⭐ Aseprite (for PC) - $19.99

This is what I and many other pixel artists use. You may find when applying to jobs that they require some knowledge of Aseprite. Since it has become so popular, companies like that you can swap raw files between artists.

Aseprite is amazingly customizable, with custom skins, scripts and extensions on Itch.io, both free and paid.

If you have ever used any art software before, it has most of the same features and should feel fairly familiar to use. It features a robust animation suite and a tilemap feature, which have saved me thousands of hours of labour in my work. The software is also being updated all the time, and the developers listen to the users. I really recommend Aseprite!

⭐ Photoshop (for PC) - Monthly $$

A decent option for those who already are used to the PS interface. Requires some setup to get it ready for pixel-perfect art, but there are plenty of tutorials for doing so.

Animation is also much more tedious on PS which you may want to consider before investing time!

⭐⭐ ProMotion NG (for PC) - $19.00

An advanced and powerful software which has many features Aseprite does not, including Colour Cycling and animated tiles.

⭐⭐⭐ Pixquare (for iOS) - $7.99 - $19.99 (30% off with code 'tofu'!!)

Probably the best app available for iPad users, in active development, with new features added all the time.

Look! My buddy Jon recommends it highly, and uses it often.

One cool thing about Pixquare is that it takes Aseprite raw files! Many of my friends use it to work on the same project, both in their office and on the go.

⭐ Procreate (for iOS) - $12.99

If you have access to Procreate already, it's a decent option to get used to doing pixel art. It does however require some setup. Artist Pixebo is famously using Procreate, and they have tutorials of their own if you want to learn.

⭐⭐ ReSprite iOS and Android. (free trial, but:) $19.99 premium or $$ monthly

ReSprite is VERY similar in terms of UI to Aseprite, so I can recommend it. They just launched their Android release!

🆓 Free options:

⭐⭐⭐ Libresprite (for PC)

Libresprite is an alternative to Aseprite. It is very, very similar, to the point where documentation for Aseprite will be helpful to Libresprite users.

⭐⭐ Pixilart (for PC and mobile)

A free in-browser app, and also a mobile app! It is tied to the website Pixilart, where artists upload and share their work. A good option for those also looking to get involved in a community.

⭐⭐ Dotpict (for mobile)

Dotpict is similar to Pixilart, with a mobile app tied to a website, but it's a Japanese service. Did you know that in Japanese, pixel art is called 'Dot Art'? Dotpict can be a great way to connect with a different community of pixel artists! They also have prompts and challenges often.

🔹 So I got my software, now what?

◽Nice! Now it's time for the basics of pixel art.

❗ WAIT ❗ Before this section, I want to add a little disclaimer. All of these rules/guidelines can be broken at will, and some 'no-nos' can look amazing when done intentionally.

The pixel-art fundamentals can be exceedingly helpful to new artists, who may feel lost or overwhelmed by choice. But if you feel they restrict you too harshly, don't force yourself! At the end of the day it's your art, and you shouldn't try to contort yourself into what people think a pixel artist 'should be'. What matters is your own artistic expression. 💕👍

◽Phew! With that out of the way...

🔸"The Rules"

There are few hard 'rules' of pixel art, mostly about scaling and exporting. Some of these things will frequently trip up newbies if they aren't aware, and are easy to overlook.

🔹Scaling method

There are a couple ways of scaling your art. The default in most art programs, and the entire internet, is Bi-linear scaling, which usually works out fine for most purposes. But as pixel artists, we need a different method.

Both are scaled up x10. See the difference?

On the left is scaled using Bilinear, and on the right is using Nearest-Neighbor. We love seeing those pixels stay crisp and clean, so we use nearest-neighbor. 

(Most pixel-art programs have nearest-neighbor enabled by default! So this may not apply to you, but it's important to know.)

🔹Mixels

Mixels are when there are different (mixed) pixel sizes in the same image.

Here I have scaled up my art- the left is 200%, and the right is 150%. Yuck!

As we can see, the "pixel" sizes end up different. We generally try to scale our work by multiples of 100 - 200%, 300% etc. rather than 150%. At larger scales however, the minute differences in pixel sizes are hardly noticeable!

Mixels are also sometimes seen when an artist scales up their work, then continues drawing on it with a 1 pixel brush.

Many would say that this is not great looking! This type of pixels can be indicative of a beginner artist. But there are plenty of creative pixel artists out there who mixels intentionally, making something modern and cool.

🔹Saving Your Files

We usually save our still images as .PNGs as they don’t create any JPEG artifacts or loss of quality. It's a little hard to see here, but there are some artifacts, and it looks a little blurry. It also makes the art very hard to work with if we are importing a JPEG.

For animations .GIF is good, but be careful of the 256 colour limit. Try to avoid using too many blending mode layers or gradients when working with animations. If you aren’t careful, your animation could flash afterwards, as the .GIF tries to reduce colours wherever it can. It doesn’t look great!

Here's an old piece from 2021 where I experienced .GIF lossiness, because I used gradients and transparency, resulting in way too many colours.

🔹Pixel Art Fundamentals - Techniques and Jargon

❗❗Confused about Jaggies? Anti-Aliasing? Banding? Dithering? THIS THREAD is for you❗❗ << it's a link, click it!!

As far as I'm concerned, this is THE tutorial of all time for understanding pixel art. These are techniques created and named by the community of people who actually put the list together, some of the best pixel artists alive currently. Please read it!!

🔸How To Learn

Okay, so you have your software, and you're all ready to start. But maybe you need some more guidance? Try these tutorials and resources! It can be helpful to work along with a tutorial until you build your confidence up.

⭐⭐ Pixel Logic (A Digital Book) - $10 A very comprehensive visual guide book by a very skilled and established artist in the industry. I own a copy myself.

⭐⭐⭐ StudioMiniBoss - free A collection of visual tutorials, by the artist that worked on Celeste! When starting out, if I got stuck, I would go and scour his tutorials and see how he did it.

⭐ Lospec Tutorials - free A very large collection of various tutorials from all over the internet. There is a lot to sift through here if you have the time.

⭐⭐⭐ Cyangmou's Tutorials - free (tipping optional) Cyangmou is one of the most respected and accomplished modern pixel artists, and he has amassed a HUGE collection of free and incredibly well-educated visual tutorials. He also hosts an educational stream every week on Twitch called 'pixelart for beginners'.

⭐⭐⭐ Youtube Tutorials - free There are hundreds, if not thousands of tutorials on YouTube, but it can be tricky to find the good ones. My personal recommendations are MortMort, Brandon, and AdamCYounis- these guys really know what they're talking about!

🔸 How to choose a canvas size

When looking at pixel art turorials, we may see people suggest things like 16x16, 32x32 and 64x64. These are standard sizes for pixel art games with tiles. However, if you're just making a drawing, you don't necessarily need to use a standard canvas size like that.

What I like to think about when choosing a canvas size for my illustrations is 'what features do I think it is important to represent?' And make my canvas as small as possible, while still leaving room for my most important elements.

Imagine I have characters in a scene like this:

I made my canvas as small as possible (232 x 314), but just big enough to represent the features and have them be recognizable (it's Good Omens fanart 😤)!! If I had made it any bigger, I would be working on it for ever, due to how much more foliage I would have to render.

If you want to do an illustration and you're not sure, just start at somewhere around 100x100 - 200x200 and go from there.

It's perfectly okay to crop your canvas, or scale it up, or crunch your art down at any point if you think you need a different size. I do it all the time! It only takes a bit of cleanup to get you back to where you were.

🔸Where To Post

Outside of just regular socials, Twitter, Tumblr, Deviantart, Instagram etc, there are a few places that lean more towards pixel art that you might not have heard of.

⭐ Lospec Lospec is a low-res focused art website. Some pieces get given a 'monthly masterpiece' award. Not incredibly active, but I believe there are more features being added often.

⭐⭐ Pixilart Pixilart is a very popular pixel art community, with an app tied to it. The community tends to lean on the young side, so this is a low-pressure place to post with an relaxed vibe.

⭐⭐ Pixeljoint Pixeljoint is one of the big, old-school pixel art websites. You can only upload your art unscaled (1x) because there is a built-in zoom viewer. It has a bit of a reputation for being elitist (back in the 00s it was), but in my experience it's not like that any more. This is a fine place for a pixel artist to post if they are really interested in learning, and the history. The Hall of Fame has some of the most famous / impressive pixel art pieces that paved the way for the work we are doing today.

⭐⭐⭐ Cafe Dot Cafe Dot is my art server so I'm a little biased here. 🍵 It was created during the recent social media turbulence. We wanted a place to post art with no algorithms, and no NFT or AI chuds. We have a heavy no-self-promotion rule, and are more interested in community than skill or exclusivity. The other thing is that we have some kind of verification system- you must apply to be a Creator before you can post in the Art feed, or use voice. This helps combat the people who just want to self-promo and dip, or cause trouble, as well as weed out AI/NFT people. Until then, you are still welcome to post in any of the threads or channels. There is a lot to do in Cafe Dot. I host events weekly, so check the threads!

⭐⭐/r/pixelart The pixel art subreddit is pretty active! I've also heard some of my friends found work through posting here, so it's worth a try if you're looking. However, it is still Reddit- so if you're sensitive to rude people, or criticism you didn't ask for, you may want to avoid this one. Lol

🔸 Where To Find Work

You need money? I got you! As someone who mostly gets scouted on social media, I can share a few tips with you:

Put your email / portfolio in your bio Recruiters don't have all that much time to find artists, make it as easy as possible for someone to find your important information!

Clean up your profile If your profile feed is all full of memes, most people will just tab out rather than sift through. Doesn't apply as much to Tumblr if you have an art tag people can look at.

Post regularly, and repost Activity beats everything in the social media game. It's like rolling the dice, and the more you post the more chances you have. You have to have no shame, it's all business baby

Outside of just posting regularly and hoping people reach out to you, it can be hard to know where to look. Here are a few places you can sign up to and post around on.

/r/INAT INAT (I Need A Team) is a subreddit for finding a team to work with. You can post your portfolio here, or browse for people who need artists.

/r/GameDevClassifieds Same as above, but specifically for game-related projects.

Remote Game Jobs / Work With Indies Like Indeed but for game jobs. Browse them often, or get email notifications.

VGen VGen is a website specifically for commissions. You need a code from another verified artist before you can upgrade your account and sell, so ask around on social media or ask your friends. Once your account is upgraded, you can make a 'menu' of services people can purchase, and they send you an offer which you are able to accept, decline, or counter.

The evil websites of doom: Fiverr and Upwork I don't recommend them!! They take a big cut of your profit, and the sites are teeming with NFT and AI people hoping to make a quick buck. The site is also extremely oversaturated and competitive, resulting in a race to the bottom (the cheapest, the fastest, doing the most for the least). Imagine the kind of clients who go to these websites, looking for the cheapest option. But if you're really desperate...

🔸 Community

I do really recommend getting involved in a community. Finding like-minded friends can help you stay motivated to keep drawing. One day, those friends you met when you were just starting out may become your peers in the industry. Making friends is a game changer!

Discord servers Nowadays, the forums of old are mostly abandoned, and people split off into many different servers. Cafe Dot, Pixel Art Discord (PAD), and if you can stomach scrolling past all the AI slop, you can browse Discord servers here.

Twitch Streams Twitch has kind of a bad reputation for being home to some of the more edgy gamers online, but the pixel art community is extremely welcoming and inclusive. Some of the people I met on Twitch are my friends to this day, and we've even worked together on different projects! Browse pixel art streams here, or follow some I recommend: NickWoz, JDZombi, CupOhJoe, GrayLure, LumpyTouch, FrankiePixelShow, MortMort, Sodor, NateyCakes, NyuraKim, ShinySeabass, I could go on for ever really... There are a lot of good eggs on Pixel Art Twitch.

🔸 Other Helpful Websites

Palettes Lospec has a huge collection of user-made palettes, for any artist who has trouble choosing their colours, or just wants to try something fun. Rejected Palettes is full of palettes that didn't quite make it onto Lospec, ran by people who believe there are no bad colours.

The Spriters Resource TSR is an incredible website where users can upload spritesheets and tilesets from games. You can browse for your favourite childhood game, and see how they made it! This website has helped me so much in understanding how game assets come together in a scene.

VGMaps Similar to the above, except there are entire maps laid out how they would be played. This is incredible if you have to do level design, or for mocking up a scene for fun.

Game UI Database Not pixel-art specific, but UI is a very challenging part of graphics, so this site can be a game-changer for finding good references!

Retronator A digital newspaper for pixel-art lovers! New game releases, tutorials, and artworks!

Itch.io A website where people can upload, games, assets, tools... An amazing hub for game devs and game fans alike. A few of my favourite tools: Tiled, PICO-8, Pixel Composer, Juice FX, Magic Pencil for Aseprite

🔸 The End?

This is just part 1 for now, so please drop me a follow to see any more guides I release in the future. I plan on doing some writeups on how I choose colours, how to practise, and more!

I'm not an expert by any means, but everything I did to get to where I am is outlined in this guide. Pixel art is my passion, my job and my hobby! I want pixel art to be recognized everywhere as an art-form, a medium of its own outside of game-art or computer graphics!

This guide took me a long time, and took a lot of research and experience. Consider following me or supporting me if you are feeling generous.

And good luck to all the fledgling pixel artists, I hope you'll continue and have fun. I hope my guide helped you, and don't hesitate to send me an ask if you have any questions! 💕

My other tutorials (so far): How to draw Simple Grass for a game Hue Shifting

[vivechan]

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Sooo apparently if you are looking to maybe get T-Mobile service, you and I can both get a $50 prepaid card if you use my link to sign up.