#Third Party payments

[personalhealthbudget]

Unlocking Seamless Healthcare Payments: Third Party Solutions for Personal Health Budgets Discover the key to effortless healthcare payments with our Third Party Payment page for Personal Health Budgets. Empower your journey towards optimal health by seamlessly managing payments for personal assistants through innovative third-party solutions. Navigate the intricacies of third-party payments in healthcare with ease, ensuring your personal health budget works efficiently for you. Explore how our secure platform transforms the payment process, enhancing the overall experience of managing personal assistants in healthcare. Stay ahead in the realm of personalized health management – explore the future of Third Party Payments today!

[sendmyresignation]

finally reading dance of days (thank you ohiolink and oberlin college <3) but my most consistent takeaway thus far. is oh my god. people who think punk is primarily ideological and not subcultural/musical. are so out of touch.

[what-breaks-my-heart]

[zapperrr]

Stay Ahead of the Curve: Latest E-commerce Development Trends

Zapeerr provides comprehensive e-commerce development services tailored to meet the unique needs of businesses seeking to establish or enhance their online presence. Here are the key e-commerce development services offered by Zapeerr:

1. Customized Website Development: Zapeerr specializes in building customized e-commerce websites from the ground up, ensuring that each site is designed to reflect the brand identity and offers a seamless user experience.

Platform Selection and Implementation: Zapeerr helps businesses select the most suitable e-commerce platform for their needs, whether it's Shopify, WooCommerce, Magento, or a custom solution. They then handle the implementation and configuration of the chosen platform to ensure optimal performance.

Mobile Optimization: Zapeerr ensures that e-commerce websites are optimized for mobile devices, providing a consistent and intuitive shopping experience across all screen sizes and devices.

Payment Gateway Integration: Zapeerr integrates secure payment gateways into e-commerce websites, allowing businesses to accept payments from various sources securely and efficiently.

Inventory Management Solutions: Zapeerr develops robust inventory management systems that enable businesses to track stock levels, manage product variants, and prevent overselling, ensuring smooth operations and customer satisfaction.

Security Enhancements: Zapeerr prioritizes security by implementing measures such as SSL encryption, PCI compliance, and regular security audits to protect sensitive customer data and safeguard against cyber threats.

Performance Optimization: Zapeerr optimizes e-commerce websites for speed and performance, employing techniques such as caching, image optimization, and code minification to ensure fast page loading times and smooth navigation.

SEO Integration: Zapeerr integrates search engine optimization (SEO) best practices into e-commerce websites to improve visibility and attract organic traffic, helping businesses increase their online presence and drive sales.

Integration with Third-Party Services: Zapeerr facilitates seamless integration with third-party services such as shipping carriers, accounting software, CRM systems, and marketing tools, enabling businesses to streamline operations and enhance efficiency.

Continuous Support and Maintenance: Zapeerr provides ongoing support and maintenance services to ensure the smooth functioning of e-commerce websites, including software updates, bug fixes, and technical support to address any issues promptly.

With Zapeerr's expertise in e-commerce development, businesses can achieve their online objectives effectively and stay ahead in the competitive digital landscape.

[sankalp812]

Customer Relationship Management | KPO, BPO services in South Delhi, Kalkaji

We assist and provide you the best Business Process Outsourcing (BPO) in South Delhi, Kalkaji. Reach out to us for Customer Relationship management  Work and other Knowledge Process Outsourcing (KPO) services.

[walks-the-ages]

[ID: a link preview of a stock image coffee table with a laptop with the facebook logo on the screen with text on top that says 'anyone who used facebook in the last 16 years can now get settlement money. here's how." end ID]

-USA Residents Only-

Time Sensitive- Apply before August 25th, 2023 (8/25/23)!

Filing a claim takes less than ten minutes, and can be done HERE

Excerpt from article:

Anyone in the U.S. who used Facebook in the last 16 years can now collect a piece of a $725 million settlement by parent company Meta tied to privacy violations — as long as they fill out a claim on a website set up to pay out money to the social network's users. 

The settlement stems from multiple lawsuits that were brought against Facebook by users who claimed that the company improperly shared their data with third-party sources such as advertisers and data brokers. The litigation began after Facebook was embroiled in a privacy scandal in 2018 with Cambridge Analytica, which scraped user data from the site as part of an effort to profile voters.

Meta denied any liability or wrongdoing under the settlement, according to the recently created class-action website. However, the agreement means that U.S. residents who used Facebook between May 24, 2007, and December 22, 2022, can file a monetary claim as long as they do so before August 25, 2023. 

Please reblog to signal boost this! As many people as possible should know about this to make their claim, if you don't do anything you don't get anything. It takes less than ten minutes to file and pick your payment option including pay/pal and ven/mo .

-USA Residents Only-

This ended August 25th, 2023!

[visenyaism]

jaheira canonically being a deadbeat mother 27 payments behind on child support who when faced with the apocalypse sent one kid a cryptic seven word text that was like “sorry. get out” and then didn’t talk to them again because she was busy giving life advice and playing catch with the third bhaalspawn she found in the trash somewhere until the party stumbles on her house and kids entirely by accident is so captivating. what is her problem

[neetihtfmi]

Third Party Payment Market Indicators Showing Positive Outlook

the third-party payment market refers to the industry of financial technology (FinTech) companies that facilitate electronic transactions between consumers, merchants, and other parties. These companies act as intermediaries, providing secure and convenient payment processing services to users who may not have access to traditional banking systems or prefer digital payment methods.https://www.htfmarketintelligence.com/report/global-third-party-payment-market

[personalhealthbudget]

Empower Your Health Choices with Third Party Payments for Personal Health Budgets Discover the flexibility of personal health budgets with third party payments at personalhealthbudgets.com. Enhance your healthcare journey by utilizing third party payments for services like personal assistants and specialized treatments. Take control of your health decisions today!

[m-ultraarticles]

Play Store policy breaches to face action

The announcement follows the controversy over its Play Store policies which led to the Competition Commission of India (CCI) directing the tech behemoth to allow third-party payment systems for apps on the Play Store. Google complied with CCI’s direction, allowing developers to start using third-party payment tools for subscription as well as in-app payments. However, it had set a 6 April…

[ecomtipstrends]

Online Marketplaces: Types, Advantages, Features, Challenges, and Future Trends

A digital platform known as an online marketplace connects customers and sellers and enables transactions for the purchase and sale of goods and services. These marketplaces, which give consumers and sellers a location to explore and buy goods and services, are frequently owned and run by independent companies.

Since the beginning of the Internet, there have been online marketplaces. CompuServe introduced Electronic Mall, the first online marketplace, in 1984. On this platform, Internet users could buy a range of goods and services, including, among others, books, airline tickets, and apparel.

But, internet marketplaces didn't fully take off until 1995, when eBay was founded. eBay invented the C2C paradigm, enabling people to exchange things with one another via an easy-to-use platform.

Due to a variety of variables, such as expanded reach and visibility, lower overhead, quick purchasing, and safe payment and transactions, online marketplaces have grown in importance in today's digital world.

In this article, we will delve into the various types of online marketplaces, the benefits they offer to both buyers and sellers, the features and obstacles they present, examine successful case studies of online marketplaces and explore the future of this industry.

           I. Types of Online Marketplaces: B2B Marketplaces 

Online marketplaces that connect businesses with other businesses to allow the exchange of goods and services are known as B2B (business-to-business) marketplaces.

horizontal marketplaces: Horizontal markets provide a wide variety of goods and services across numerous industries. These marketplaces offer a one-stop shopping experience for the purchasing requirements of companies of all sizes.

Vertical Marketplaces: A particular industry or market area is the focus of vertical marketplaces. These markets are made for companies that have unique requirements and need goods and services that are specific to their sector.

Marketplaces for Procurement: These marketplaces concentrate on the procurement process and offer tools and services to businesses to help them organize their procurement procedures. These marketplaces usually provide services like contract management, e-procurement, and electronic auctions.

 Marketplaces for Services: These sites are devoted to bringing together companies and service providers including consultants, freelancers, and agencies. Companies can access a wide range of service providers through these marketplaces, enabling them to discover the best people to suit their needs.

 Industry-Specific Marketplaces: Markets that are focused on a particular industry or sector,   such as healthcare, construction, or finance, are catered to by these markets.

III. Types of Online Marketplaces: B2C Marketplaces

Online marketplaces that connect businesses with specific consumers are known as B2C (business-to-consumer) platforms. Using these platforms, consumers may explore, buy, and receive goods and services directly from businesses.

B2C marketplaces come in a variety of varieties.

Generalist Marketplaces: These online stores provide a broad selection of goods and services in several categories, including electronics, clothing, and housewares. These online markets offer a one-stop shop for consumers' shopping needs and appeal to users of all ages and demographics.

Specialty Markets: Specialist markets concentrate on a particular subject or industry, such as luxury goods, organic products, or handcrafted crafts. These online markets serve customers with particular demands and provide a range of goods that are suitable for their needs.

Peer-to-peer marketplaces: Without the help of a regular business, peer-to-peer marketplaces allow consumers to purchase and sell goods and services from one another directly. These markets frequently concentrate on niches like freelancing, used items, or rental services.

Auction Marketplaces: Users have the option to bid on goods and services on auction marketplaces, frequently at a lower cost than through conventional retail channels. These markets frequently provide a variety of things, ranging from common consumer goods to rare treasures.

Markets with a subscription model: Markets with a subscription model provide customers with a regular supply of goods or services in exchange for a regular cost. These markets frequently concentrate on things like apparel, meal kits, and beauty products.

      IV. Types of Online Marketplaces: C2C Marketplaces

Consumer-to-consumer (C2C) online marketplaces are digital platforms that let individual users transact with one another directly to purchase and sell goods and services without the involvement of a traditional business.

C2C marketplaces can in a variety of forms, including

 Online markets with auctions: Online marketplaces with auctions give customers the chance to bid on goods and services, frequently at a lower cost than through conventional retail channels. These markets usually provide a wide range of things, from common consumer goods to rare rarities.

Peer-to-Peer Marketplaces: Without using a regular business, peer-to-peer marketplaces allow consumers to purchase and sell goods and services from one another directly. These markets frequently concentrate on niches like freelance work, rental services, and used products.

Classified marketplaces are locations where people can list adverts for goods and services they want to sell, where other customers can read them and get in touch with them directly. These markets frequently concentrate on topics like real estate, automobiles, and employment.

Social commerce marketplaces: By fusing social media elements with e-commerce capabilities, social commerce marketplaces enable users to buy and sell goods and services within a social network. These markets frequently concentrate on categories like fashion, beauty, and home items.

Markets for Renting Goods: Markets for Renting Goods enable people to rent items they own, such as cars, vacation houses, and expensive clothing. These things are available for direct rental from the owner to other users.

         V. Types of Online Marketplaces: Niche MarketplacesOnline markets known as niche marketplaces offer a range of goods and services that are tailored to the needs and tastes of a particular market segment or demographic group.

Several varieties of niche markets exist, such as

Vertical marketplaces: Vertical marketplaces are focused on a single sector or product line, such as the automobile, food, beverage, or healthcare sectors. These platforms provide specialized goods and services that are not offered on generalist platforms, catering to businesses and customers in a particular specialty.

Regional Marketplaces: Local users, such as residents of a particular city or state, can use regional marketplaces. By enabling consumers to find and buy goods and services from nearby companies, these marketplaces provide a local shopping experience.

Demographic Marketplaces: Markets for certain demographic groups, including women, seniors, or millennials, are catered to by demographic markets. These markets provide a range of goods and services that meet the requirements and preferences of their intended market.

Luxury Marketplaces: Markets for high-end goods and services, such as designer clothing, jewelry, and home goods, are catered to by luxury marketplaces. These online stores provide a high-end shopping experience, frequently with exclusive goods and specialized help.

Socially responsible marketplaces: Markets that are focused on socially and environmentally responsible concerns, such as fair trade, sustainability, and animal welfare, include socially responsible marketplaces. These marketplaces give customers a way to conduct ethical shopping and contribute to causes they value.

      VI. Advantages of Online Marketplaces For Sellers: Increased reach and visibility

Sellers may expand their reach and visibility on online marketplaces, which is one of their many advantages. Internet marketplaces give vendors a centralized platform from which they can market their wares to a wide range of prospective customers. Sellers can now connect with a larger audience thanks to this than they could by using their own website or physical location.

These are some particular ways that online marketplaces might broaden the reach and visibility of their sellers:

Access to a huge client base: Internet marketplaces can attract millions of active users, meaning that vendors may have the opportunity to connect with a sizable and varied customer base. Small and medium-sized enterprises in particular may benefit from this because they might lack the capacity to independently reach such a wide audience.

Strong SEO policies are frequently in place on online marketplaces, which allows vendors' goods or services to rank higher on search engine result pages (SERPs). This raises awareness of the vendor's goods or services and draws in more potential clients.

Brand Exposure: By including their goods or services in specific product listings or targeted marketing initiatives, online marketplaces can help vendors raise brand awareness. This increases brand recognition and draws in new clients.

Marketing that is both efficient and affordable: Internet marketplaces frequently include marketing and advertising tools that vendors can use to market their goods or services. When compared to conventional marketing methods like print or television advertising, these techniques may be more affordable.

Decreased operational expenses: By offering infrastructure such as payment processing, customer service, and shipping, online marketplaces enable vendors to lower operational costs. Small firms that might not have the resources to handle these duties on their own may find this to be very helpful.

        VII. advantages of Online Marketplaces For Sellers: Lower overhead costs

 Lower overhead costs are an important advantage of online marketplaces for merchants. Conventional retail operations may be expensive, and costs like rent, utilities, and employee pay can all have a big impact on a business's profit margins.

The following are some ways that sellers might cut expenses by using online marketplaces:

 No physical storefront required: Internet markets do away with the requirement for a physical storefront, which may be one of the most expensive expenses for a retail business. Sellers don't require an expensive retail space because they can operate their business from home or their office.

Decreased expenses associated with inventory management: When selling on an online marketplace, merchants might employ a "just-in-time" inventory system, in which they only order goods from suppliers when they are actually needed. With less inventory to manage, there is less chance of either overstocking or understocking.

Reduced marketing costs: Internet marketplaces frequently include marketing and advertising tools that merchants can use to advertise their goods or services, which helps keep marketing expenses down. Comparing these technologies to more conventional marketing avenues like print or television advertising, they may be more affordable.

Cost-effective payment processing: Compared to traditional payment methods like checks or money orders, online marketplaces that offer payment processing services can assist merchants to cut costs associated with payment processing.

Outsourcing shipping and fulfillment: Since online marketplaces can offer these services, sellers can contract out their fulfillment and shipping needs to others. As a result, there may be less of a requirement for costly shipping and fulfillment infrastructure and less chance of delivery mistakes or delays

            VIII. Advantages of Online Marketplaces for sellers: Reduced marketing expenses

    One of the major advantages of online marketplaces for merchants is the reduction of marketing expenses. Businesses, especially small and medium-sized ones, can incur large expenses through marketing (SMEs). Online marketplaces, however, give vendors a cheaper option than conventional marketing avenues for promoting their goods and services.

Online marketplaces cut down on sellers' marketing costs in the following ways:

Integrated advertising: is a feature that many online markets provide, with choices including sponsored product listings and specialized email campaigns. Compared to more conventional forms of advertising like print or television ads, these solutions may be more affordable.

Increased exposure: Because of the size and diversity of online marketplace customers, sellers may be able to reach more people than they could through traditional marketing methods. Sellers can take advantage of the marketplace's ongoing marketing and promotion initiatives by listing their products there.

Advantages of SEO: Strong search engine optimization (SEO) tactics are frequently used by online marketplaces, which can help sellers' products rank higher in search engine results pages (SERPs). As a result, more potential buyers are drawn to the merchants' goods and services.

Analytics accessibility: Internet marketplaces frequently give vendors access to comprehensive data on their product listings, including click-through and conversion rates. With the help of this data, sellers can decide on their marketing tactics quantitatively and improve the performance of their product listings.

Reduced Cost Per Acquisition: Compared to conventional advertising channels, online marketplaces have a lower cost per acquisition (CPA). Sellers may generate a lot of traffic to their product listings and minimize their cost per acquisition by focusing on particular audiences through sponsored product listings or email campaigns.

        IX. Advantages of Online Marketplaces for the buyer: More choices and competitive pricesThe fact that online marketplaces provide a broader selection and competitive rates is one of their many advantages for shoppers. Internet marketplaces make it simpler for customers to obtain what they need at a reasonable price by giving them access to a large selection of goods and services from various vendors.

These are some concrete ways that online markets give customers access to a larger selection and aggressive pricing:

Large selection: Compared to traditional brick-and-mortar retailers, online markets often provide a greater selection of goods and services. Customers have a wide range of brands, models, and styles to pick from, which enables them to find the product that best meets their needs and preferences.

Competitive pricing: Online marketplaces foster a market where many sellers are selling comparable goods or services, which can lower prices. Customers can compare prices and product attributes across many sellers to get the best deal.

Pricing transparency: Internet marketplaces frequently provide pricing transparency, enabling customers to view the whole cost of a good or service, including taxes, shipping, and other costs. This aids customers in making wise purchases and preventing unforeseen costs.

Reviews and ratings: Internet marketplaces give consumers access to reviews and ratings left by other clients, enabling them to establish opinions about the effectiveness and caliber of goods and services. This can assist customers in making knowledgeable judgments and selecting goods or services that are more likely to suit their needs.

Convenience: Internet marketplaces make life simpler for consumers by enabling them to buy products at any time and from any location. Customers can use their mobile devices to browse and compare products either at home or on the go.

X. Advantages of Online Marketplaces for buyers: Convenient shopping experience

 The ease of the buying process is another benefit of online markets for purchasers. Internet marketplaces provide buyers with a convenient mechanism to purchase products and services, saving them time and effort when shopping.

The following special features of online markets make purchasing simpler for customers:

24/7 accessibility: Customers can shop whenever it is most convenient for them, regardless of where they are or what time zone they are in.

Search and navigation features that are simple to use: Online marketplaces often contain search and navigation tools that are simple to use and help customers find what they're looking for. Consumers can easily narrow down their options by filtering search results by topic, brand, price, and other factors.

Multiple Payment Options: Internet marketplaces include a variety of payment alternatives, including credit cards, PayPal, and other electronic payment systems. This allows customers to select the payment option that is both easy and safe for them.

Fast and Convenient Shipping: Shipping alternatives that are quick and easy to use include same-day and next-day delivery on many online marketplaces. Also, real-time shipment tracking gives customers more control and peace of mind over their purchases.

Customer service: Internet markets frequently provide customer help by email, phone, or chat. This makes it possible for customers to seek assistance with any queries or issues they might have throughout the purchasing process swiftly and simply.

          XI. Advantages of Online Marketplaces for the buyer: Secure payment and transactionsThe security of payments and transactions is another advantage of online markets for buyers. To ensure that transactions are safe and secure and to shield customers from fraud and other threats, online marketplaces have developed several security protocols and technologies.

Following are some specific methods by which online markets protect buyers' payment and transaction information:

Data encryption and security: To prevent sensitive information, such as credit card numbers and personal information, from being intercepted or stolen during transactions, online marketplaces use encryption and other data security measures.

Safe Payment Gateways: To guarantee that payments are completed securely and in compliance with industry standards, online marketplaces collaborate with renowned payment gateways.

Fraud Prevention Measures: Internet marketplaces have created several fraud prevention strategies, including identity verification and transaction monitoring, to thwart fraud and shield customers from con artists.

Buyer Protection Programs: Online marketplaces frequently offer buyer protection schemes, such as refund or return policies, to make sure that customers are happy with their purchases and that they are compensated if something goes wrong.

Trustworthy Sellers: Internet marketplaces typically have a screening process in place for sellers to make sure they are reliable and honest. This guarantees that customers are doing business with respectable merchants who are dedicated to offering top-notch goods and services.

                XII. Features of Online Marketplaces

 Internet marketplaces typically have several characteristics that make them efficient venues for purchasing and offering services and goods.

The following are some of the key characteristics of online markets:

Product Catalog: An extensive product catalog that features a broad range of goods and services available on online marketplaces. The majority of the time, these products are categorized and sub-categorized to make it simple for customers to find what they're looking for.

Search and Filtering: With strong search and filtering features, online marketplaces enable customers to rapidly identify the products they require based on parameters like price range, brand, location, and shipping options.

Seller Profiles: Internet marketplaces give vendors the option to build profiles that include details about their goods, services, and company. This data can include things like product descriptions, pictures, costs, shipping details, and consumer feedback.

Customer Reviews: Customers are often given the chance to write evaluations and ratings for both vendors and products on online marketplaces. Other purchasers can learn from these reviews, which also helps merchants gain credibility and confidence.

Payment Processing: Secure payment processing is offered by online marketplaces for transactions between buyers and sellers. This can entail collaborating with outside payment processors or offering their own payment processing infrastructure.

Shipping and Fulfillment: Internet marketplaces often offer sellers shipping and fulfillment services, making it simple for them to handle orders and make sure that goods are delivered to buyers quickly and effectively.

Customer Support: Internet marketplaces offer both buyers and sellers customer support services, such as account management, product questions, and order tracking.

    XIII. Challenges of Online Marketplaces

Online marketplaces have a lot to offer both buyers and sellers, but they also have a lot of difficulties.

Some of the most significant ones are listed below:

Competition: Internet marketplaces are extremely competitive areas with many sellers vying for the attention of shoppers. As a result, individual sellers may find it challenging to stand out and draw clients.

Trust and reputation: Reputation and trust are essential to the success of online marketplaces. The marketplace's growth may be constrained if customers are hesitant to make purchases because they don't trust the platform or the merchants.

Fraud and Scams: Internet marketplaces are susceptible to fraud and scams, which can harm reputation and confidence. This includes false merchants, bogus goods, and dishonest business dealings.

Product authenticity and quality: Online marketplaces must make sure that the goods sold on their platforms are real and of the highest caliber. If customers receive fake or subpar goods, it may harm the market's reputation and discourage further sales.

Customer service: Internet marketplaces must offer both buyers and sellers excellent customer service. Due to the platform's need to manage numerous consumer requests and complaints, this may be challenging.

Regulation and compliance: Online marketplaces are required to abide by several laws, including those about data privacy, taxation, and consumer protection. Penalties may be imposed legally and financially for breaking these rules.

Technology and Infrastructure: To function efficiently, online markets need high-end technology and architecture. Servers, databases, payment processing systems, and customer support systems may be included. This infrastructure's upkeep and improvement can be expensive and time-consuming.

                     XIV. Case Studies of Successful Online Marketplaces: Amazon

Amazon is one of the most well-known and well-liked online marketplaces in the world. Jeff Bezos established the website in 1994 with the primary goal of selling books. Amazon today offers a wide variety of products and services, including electronics, fashion, consumables, and digital media, as a result of the expansion of its product line throughout time.

The emphasis that Amazon places on the customer experience is one of the main aspects that has aided in its success. The platform includes functions like product recommendations, one-click ordering, and free delivery on many items to make it simpler for clients to browse and purchase products. Amazon has also made significant investments in logistics and technology to speed up deliveries and lower costs.

The marketplace approach that Amazon uses is another crucial aspect of its success. Amazon offers the option for third-party merchants to sell goods on its marketplace in addition to its own goods.

Amazon has become one of the most prosperous online markets in the world thanks to its emphasis on the customer experience, marketplace model, and investments in technology and logistics. Amazon made more than $386 billion in revenue and had more than 200 million active customers by the year 2021

                    XV. Case Studies of Successful Online Marketplaces: Etsy

Founded in 2005 with the goal of "redefining commerce in ways that build a more fulfilling and sustainable world," Etsy is a popular online marketplace. The marketplace, which specializes in handcrafted, vintage, and unique goods, has emerged as a top destination for buyers seeking unique goods.

The importance of a community that Etsy places on its platform is one of the main elements of its success. The marketplace offers a large community of consumers and sellers that are enthusiastic about handcrafted and one-of-a-kind goods. A seller's guide, forums, and webinars are just a few of the resources Etsy provides to assist sellers to expand their businesses. As a result, an environment that encourages entrepreneurship and creativity has been developed.

Another important factor in Etsy's success is its commitment to sustainability and social responsibility.

Etsy's focus on community, sustainability, and social responsibility has helped make it a successful online marketplace. By 2021, Etsy had over 4.4 million active sellers and had generated over $10 billion in gross merchandise sales.

             XVI. Case Studies of Successful Online Marketplaces: Alibaba

 Jack Ma established the popular online marketplace Alibaba in 1999. Although it also has a significant presence in the business-to-consumer (B2C) and business-to-consumer (C2C) markets, the platform is primarily focused on bringing together customers and sellers in the business-to-business (B2B) industry.

The fact that Alibaba has strongly emphasized the Chinese market is one of the main factors in its success. The platform has emerged as the go-to place for Chinese companies seeking to purchase goods and services from other Chinese companies. To assist foreign vendors in reaching Chinese consumers, Alibaba has also broadened its coverage to include international markets.

The success of Alibaba is also greatly influenced by its service network. Alibaba provides a wide range of services to support businesses in addition to its primary marketplace, including payment processing, transportation, and cloud computing. As a result, businesses wishing to acquire and sell goods and services now have a one-stop shop.

 Alibaba is a popular online marketplace thanks to its emphasis on the Chinese market, extensive service network, and dedication to quality. Alibaba made more than $109 billion in sales by   2021 and had more than a billion active users per year.

          XVII. Case Studies of Successful Online Marketplaces: Airbnb

In 2008, Brian Chesky, Joe Gebbia, and Nathan Blecharczyk launched Airbnb, a prosperous internet marketplace. The website, which focuses on the short-term rental industry, enables people to let guests stay in their houses or apartments.

The emphasis Airbnb has placed on the sharing economy is one of the main aspects that has contributed to its success. The platform has benefited from the rising trend of travelers preferring genuine travel experiences to standard hotel stays. Also, Airbnb has fostered a feeling of community among its users and has put in place several programs to entice hosts and guests to connect and exchange stories.

The utilization of technology by Airbnb is a crucial aspect of its success. A user-friendly user interface and several tools have been created by the platform to assist hosts in managing their listings and interacting with visitors.

Because of its emphasis on the sharing economy, technological prowess, and dedication to quality, Airbnb has become a prosperous online marketplace. Since its launch, Airbnb has accommodated more than 800 million guests and over 4 million hosts by the year 2021.

           XVIII. Future of Online Marketplaces

 The future of online marketplaces looks bright as more and more people turn to online shopping and more businesses look for new ways to reach their customers. Here are some key   trends that may shape the future of online marketplaces:

 The continued growth of mobile commerce: With more and more users using their smartphones to shop, mobile commerce is expected to grow significantly in the coming years.   Online marketplaces will need to ensure that their platforms are optimized for mobile devices and provide a seamless mobile shopping experience.

  Focus on sustainability: As shoppers become more environmentally conscious, online marketplaces will need to adopt sustainable behaviors and offer environmentally friendly products. Marketplaces that can demonstrate their commitment to sustainability may have a   competitive advantage in the future.

 Expanding into new markets: Internet marketplaces are probably going to start branching out into new geographical regions, especially in developing nations where e-commerce is still in its infancy. Both buyers and sellers will get additional chances as a result of this.

 Personalization and tailoring: Online marketplaces will be able to provide more individualized and tailored buying experiences as data analytics and machine learning capabilities advance.   This can include individualized product recommendations, exclusive offers, and more.

 Integration with social media: Internet marketplaces are expected to interact further with social media platforms, enabling consumers to make purchases directly from social media sites.   Markets could be able to expand their clientele and boost revenue in this way.

CONCLUSION

In conclusion, online marketplaces are now an essential component of the digital economy, providing buyers and sellers with a simple and practical way to interact and conduct business online.

Online marketplaces come in a variety of forms, such as B2B, B2C, C2C, niche, and vertical marketplaces, each of which has advantages specific to buyers and sellers.

Some of the benefits of online marketplaces are more reach, cheaper costs, improved customer knowledge, more selections, competitive pricing, fast shopping, safe payment methods, and simple product and price comparison.

However, online markets also confront several difficulties, such as competition, trust and reputation, legal and regulatory problems, security and fraud, and technical difficulties. Numerous online marketplaces, including Amazon, Etsy, Alibaba, and Airbnb, have proven their potential.

In the future, the internet market is likely to be shaped by new trends like mobile commerce, artificial intelligence, and blockchain technology, bringing with them new opportunities and difficulties

[mostlysignssomeportents]

Shifting $677m from the banks to the people, every year, forever

I'll be in TUCSON, AZ from November 8-10: I'm the GUEST OF HONOR at the TUSCON SCIENCE FICTION CONVENTION.

"Switching costs" are one of the great underappreciated evils in our world: the more it costs you to change from one product or service to another, the worse the vendor, provider, or service you're using today can treat you without risking your business.

Businesses set out to keep switching costs as high as possible. Literally. Mark Zuckerberg's capos send him memos chortling about how Facebook's new photos feature will punish anyone who leaves for a rival service with the loss of all their family photos – meaning Zuck can torment those users for profit and they'll still stick around so long as the abuse is less bad than the loss of all their cherished memories:

https://www.eff.org/deeplinks/2021/08/facebooks-secret-war-switching-costs

It's often hard to quantify switching costs. We can tell when they're high, say, if your landlord ties your internet service to your lease (splitting the profits with a shitty ISP that overcharges and underdelivers), the switching cost of getting a new internet provider is the cost of moving house. We can tell when they're low, too: you can switch from one podcatcher program to another just by exporting your list of subscriptions from the old one and importing it into the new one:

https://pluralistic.net/2024/10/16/keep-it-really-simple-stupid/#read-receipts-are-you-kidding-me-seriously-fuck-that-noise

But sometimes, economists can get a rough idea of the dollar value of high switching costs. For example, a group of economists working for the Consumer Finance Protection Bureau calculated that the hassle of changing banks is costing Americans at least $677m per year (see page 526):

https://files.consumerfinance.gov/f/documents/cfpb_personal-financial-data-rights-final-rule_2024-10.pdf

The CFPB economists used a very conservative methodology, so the number is likely higher, but let's stick with that figure for now. The switching costs of changing banks – determining which bank has the best deal for you, then transfering over your account histories, cards, payees, and automated bill payments – are costing everyday Americans more than half a billion dollars, every year.

Now, the CFPB wasn't gathering this data just to make you mad. They wanted to do something about all this money – to find a way to lower switching costs, and, in so doing, transfer all that money from bank shareholders and executives to the American public.

And that's just what they did. A newly finalized Personal Financial Data Rights rule will allow you to authorize third parties – other banks, comparison shopping sites, brokers, anyone who offers you a better deal, or help you find one – to request your account data from your bank. Your bank will be required to provide that data.

I loved this rule when they first proposed it:

https://pluralistic.net/2024/06/10/getting-things-done/#deliverism

And I like the final rule even better. They've really nailed this one, even down to the fine-grained details where interop wonks like me get very deep into the weeds. For example, a thorny problem with interop rules like this one is "who gets to decide how the interoperability works?" Where will the data-formats come from? How will we know they're fit for purpose?

This is a super-hard problem. If we put the monopolies whose power we're trying to undermine in charge of this, they can easily cheat by delivering data in uselessly obfuscated formats. For example, when I used California's privacy law to force Mailchimp to provide list of all the mailing lists I've been signed up for without my permission, they sent me thousands of folders containing more than 5,900 spreadsheets listing their internal serial numbers for the lists I'm on, with no way to find out what these lists are called or how to get off of them:

https://pluralistic.net/2024/07/22/degoogled/#kafka-as-a-service

So if we're not going to let the companies decide on data formats, who should be in charge of this? One possibility is to require the use of a standard, but again, which standard? We can ask a standards body to make a new standard, which they're often very good at, but not when the stakes are high like this. Standards bodies are very weak institutions that large companies are very good at capturing:

https://pluralistic.net/2023/04/30/weak-institutions/

Here's how the CFPB solved this: they listed out the characteristics of a good standards body, listed out the data types that the standard would have to encompass, and then told banks that so long as they used a standard from a good standards body that covered all the data-types, they'd be in the clear.

Once the rule is in effect, you'll be able to go to a comparison shopping site and authorize it to go to your bank for your transaction history, and then tell you which bank – out of all the banks in America – will pay you the most for your deposits and charge you the least for your debts. Then, after you open a new account, you can authorize the new bank to go back to your old bank and get all your data: payees, scheduled payments, payment history, all of it. Switching banks will be as easy as switching mobile phone carriers – just a few clicks and a few minutes' work to get your old number working on a phone with a new provider.

This will save Americans at least $677 million, every year. Which is to say, it will cost the banks at least $670 million every year.

Naturally, America's largest banks are suing to block the rule:

https://www.americanbanker.com/news/cfpbs-open-banking-rule-faces-suit-from-bank-policy-institute

Of course, the banks claim that they're only suing to protect you, and the $677m annual transfer from their investors to the public has nothing to do with it. The banks claim to be worried about bank-fraud, which is a real thing that we should be worried about. They say that an interoperability rule could make it easier for scammers to get at your data and even transfer your account to a sleazy fly-by-night operation without your consent. This is also true!

It is obviously true that a bad interop rule would be bad. But it doesn't follow that every interop rule is bad, or that it's impossible to make a good one. The CFPB has made a very good one.

For starters, you can't just authorize anyone to get your data. Eligible third parties have to meet stringent criteria and vetting. These third parties are only allowed to ask for the narrowest slice of your data needed to perform the task you've set for them. They aren't allowed to use that data for anything else, and as soon as they've finished, they must delete your data. You can also revoke their access to your data at any time, for any reason, with one click – none of this "call a customer service rep and wait on hold" nonsense.

What's more, if your bank has any doubts about a request for your data, they are empowered to (temporarily) refuse to provide it, until they confirm with you that everything is on the up-and-up.

I wrote about the lawsuit this week for @eff@mastodon.social's Deeplinks blog:

https://www.eff.org/deeplinks/2024/10/no-matter-what-bank-says-its-your-money-your-data-and-your-choice

In that article, I point out the tedious, obvious ruses of securitywashing and privacywashing, where a company insists that its most abusive, exploitative, invasive conduct can't be challenged because that would expose their customers to security and privacy risks. This is such bullshit.

It's bullshit when printer companies say they can't let you use third party ink – for your own good:

https://arstechnica.com/gadgets/2024/01/hp-ceo-blocking-third-party-ink-from-printers-fights-viruses/

It's bullshit when car companies say they can't let you use third party mechanics – for your own good:

https://pluralistic.net/2020/09/03/rip-david-graeber/#rolling-surveillance-platforms

It's bullshit when Apple says they can't let you use third party app stores – for your own good:

https://www.eff.org/document/letter-bruce-schneier-senate-judiciary-regarding-app-store-security

It's bullshit when Facebook says you can't independently monitor the paid disinformation in your feed – for your own good:

https://pluralistic.net/2021/08/05/comprehensive-sex-ed/#quis-custodiet-ipsos-zuck

And it's bullshit when the banks say you can't change to a bank that charges you less, and pays you more – for your own good.

CFPB boss Rohit Chopra is part of a cohort of Biden enforcers who've hit upon a devastatingly effective tactic for fighting corporate power: they read the law and found out what they're allowed to do, and then did it:

https://pluralistic.net/2023/10/23/getting-stuff-done/#praxis

The CFPB was created in 2010 with the passage of the Consumer Financial Protection Act, which specifically empowers the CFPB to make this kind of data-sharing rule. Back when the CFPA was in Congress, the banks howled about this rule, whining that they were being forced to share their data with their competitors.

But your account data isn't your bank's data. It's your data. And the CFPB is gonna let you have it, and they're gonna save you and your fellow Americans at least $677m/year – forever.

If you'd like an essay-formatted version of this post to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2024/11/01/bankshot/#personal-financial-data-rights

[performing-personhood]

Was trying to sell shit I don't need to make a couple hundred extra dollars to make ends meet.

Except now I'll have to pay taxes on everything over $600 that I accept through PayPal.

SO THATS FUCKING GREAT, MAKE IT HARDER FOE THE POOR TO BE LESS POOR, THATS JUST FUCKING SWELL YALL THANKS SO MUCH.

GOD DAMMIT I FUCKING HATE IT HERE

[koolades-world]

HEYY GIRLIEE soo I got this idea on my mind cuz it's 11 pm and I randomly got energy so I was like thinking if you could make something like how the Brothers would treat or recognize signs of fem.MC WHO grew up Poor like not eating much too en sure the rest Got food or getting super excited when they get something as Simple as a birthday cake or more then 2 or expensive presents or being extra care full with spending money while for getting that if they asked for something from the Brothers theyd happily get it ( pardon my grammar enflish is my Third language😭) -from the awesome and amazing khaos

HEYYY KHAOS!!! hope you've been well!!! good to hear from you!

sure thing :)

enjoy <3

Mc who grew up poor

Lucifer

after hearing you’d never had an extravagant birthday party, he makes it his mission to make it happen

after all, everyone deserves at least one big bash, especially you. you’ve done so much for him and his family and it means so much to him

he talks with barbatos about make a huge cake in your favorite flavor and diavolo about using one of the many ballrooms in the palace

needless to say, he’s going all out to make you happy and see you smile

Mammon

he was already determined to spoil you

however, now he's bound to accidently send you into a coma with the amount of gifts he's throwing at you

you're his best girl!! you only deserve the best things

if you want him to tone it down, he will, but that won't stop him from buying little things that reminds him of you <3

Levi

at first he was confused about how you looked shocked every time he spoke about a crazy purchase he'd made

once you tell him why though, he's going to get you anything media related that you want

into a new manga? he'll get you your own set. really into a specific fandom? the next time they drop merch he's getting everything related to your fav

he always goes out of his way to make sure you feel seen

Satan

the two of you already tried to make an effort to do at least monthly outings together

but he noticed you always try to order the least expensive item on the menu at cafes, so next time, he orders in advance what he knows you’d really enjoy

seeing your face light up was payment enough for him

after that, you have weekly outings where he spoils you and he always makes sure you’re having a fun time

Asmo

besides mammon, he’s the king of lavish living

he’d been showering you in all sorts of expensive products for your face, hair and otherwise

if he’s being a little much, just let him know since he can always find products that you like more

the only thing he won’t compromise on is your spa days together since it’s one of his ways of letting you know he cares

Beel

he’s going to make sure your plate is always full

you’ll never run out of your favorite snacks under his watch

sharing food is his love language

if he could give you the world, he would

Belphie

he’s always there to help you unwind and destress

(even if his brothers are the source of the headache)

he wants you to get amazing rest every night

so, without you asking, he buys the nicest pillow and sheet set money can buy and surprises you with it!

[blackmagictrait]

anyway

"When you contribute UGC [user generated content], you grant to EA, its licensors and licensees a non-exclusive, perpetual, transferable, worldwide, sublicensable license to use, host, store, reproduce, modify, create derivative works, publicly perform, publicly display or otherwise transmit and communicate the UGC, or any portion of it, in any manner or form and in any medium or forum, whether now known or later devised, without notice, payment or attribution of any kind to you or any third party. You also grant to all other users who can access and use your UGC on an EA Service the right to use, copy, modify, display, perform, create derivative works from, and otherwise communicate and distribute your UGC on or through the relevant EA Service without further notice, attribution or compensation to you." - ea terms of service "Mods must be non-commercial and distributed free-of-charge. Mods cannot be sold, licensed, or rented for a fee, nor can Mods contain features that would support monetary transactions of any type." - official sims 4 policy on mods

free cc resources:

my free cc tag

** all sfs folders

dollhouse mafia * telegram group (instant messaging app), requires phone number to sign up but you can set your # to private. 100% safe and my most used resource (read the rules!!!)

ts4rebels > direct link to vault * new site, new link

paysitesmustbedestroyed * it's back bby!!

simsgalaxy * vk page, requires account but is free (**good for sl conversions)

kemono.party (for patreon/boosty releases) * use an adblock on this one!!

losts4cc * not a pirating site, just an archive of cc that's been deleted/lost

verycursedstuff * for curseforge stuff!!

🏴‍☠️🏴‍☠️🏴‍☠️