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The Role of Composable Platforms in Web Development

April 17th, 2023 No comments

The world of web development has evolved rapidly over the past few decades. Web developers now have access to a plethora of tools and technologies that make the development process faster, easier, and more efficient. One such tool that has gained significant popularity in recent years is the composable platform. Composable platforms have emerged as a unique tool that allows developers to build highly flexible and customizable web applications. This article will discuss the role of composable platforms in web development and why they are becoming essential tools for developers.

What are Composable Platforms? 

Composable platforms offer pre-built components or modules that can be assembled and combined to create complex web applications. These platforms allow developers to create highly customizable applications without starting from scratch. They offer a modular approach to web development that enables developers to choose their necessary components and assemble them into a complete application. A composable strategy helps to simplify the development process, as developers can focus on building the specific features they need rather than building everything from scratch.

Development Flexibility

One of the critical advantages of composable platforms is their flexibility. These platforms are highly customizable, allowing developers to choose the components they need and customize them to fit their specific requirements. This flexibility helps to reduce development time and costs, improving time to market. Additionally, composable platforms make maintaining and updating applications easier, as developers can change individual components without affecting the entire application. This level of customization allows businesses to create highly personalized applications tailored to their specific needs rather than using a one-size-fits-all approach.

Application Quality

Composable platforms also help to improve the quality of web applications. These platforms offer pre-built components that are tested and verified to ensure they are secure and working efficiently. Developers can use these pre-built components to reduce the risk of introducing errors or bugs into their applications. Additionally, composable platforms typically come with built-in security features, such as authentication and authorization, that help to protect applications from cyber threats.

Scalability

Another advantage of composable platforms and composable architecture for web development is its scalability. Composable architecture is highly scalable, making it easily adaptable to changing requirements and always able to handle significant traffic. Developers achieve this scalability through microservices, which allow developers to break down the application into smaller, more manageable components. Using microservices, developers can quickly scale individual elements as needed without affecting the entire application.

Seamless Integration

Composable platforms allow developers to integrate third-party services and APIs into their applications seamlessly. These platforms offer built-in integration capabilities, allowing developers to easily connect their applications to popular services such as Google Maps, PayPal, and Stripe. API integration helps expand the functionality of web applications and provides users with a better experience.

One composable platform that has gained significant popularity in recent years is the Uniform composable platform. The Uniform platform offers a set of pre-built components for easy assembly and application integration. The Uniform platform includes authentication and authorization, user management, content management, and composable e-commerce features. Additionally, the Uniform platform offers built-in integration with popular services such as Shopify, Google Analytics, and Salesforce, making it easy to expand the functionality of web applications.

The Uniform platform is also highly customizable, allowing developers to modify components to fit their specific requirements easily. The platform offers a powerful API to extend the functionality of individual components or create custom components from scratch. Additionally, the Uniform platform provides a range of customization options, such as changing the look and feel of features, adding custom fields, and modifying workflows.

Composable Architecture as the New Industry Standard

Composable architecture has the potential to improve various industries and sectors by providing businesses with the flexibility and agility to adapt quickly to changing market demands. Companies can improve their operational efficiency, customer experience, and overall competitiveness by creating custom applications using pre-built components and modules. As customers continue to search for the best in digital customer experience, composable architecture may soon become a standard across the web development industry. 

For example, composable architecture in the retail industry allows for highly personalized e-commerce applications that offer customers a tailored shopping experience. By using pre-built components for features such as product recommendations, shopping cart functionality, and payment processing, retailers can create an application that is customized to meet the needs of their customers. This personalization and agility often result in increased customer loyalty and repeat business.

Composable Architecture for Customer Service

Composable architecture can also play a significant role in improving customer service and the digital customer experience. By building highly customizable and adaptable applications, businesses can provide customers with a seamless, intuitive, and personalized experience across multiple touchpoints.

For example, composable platforms allow companies to build customer service applications that include features such as chatbots, live chat, and social media integration. By using pre-built components for each feature, businesses can quickly and easily build a customer service application tailored to their needs. An agile and efficient customer service application can improve response times, reduce wait times, and provide customers with a more personalized experience.

Furthermore, composable architecture can help businesses better understand their customers’ needs and preferences, allowing them to create applications that more closely align with their customers’ expectations. By analyzing customer data, businesses can identify trends, preferences, and pain points to inform the development of new applications and features.

Explore Composable Architecture Today

In conclusion, composable platforms are becoming an essential tool for web developers. These platforms offer a modular approach to web development that allows developers to choose the components they need and assemble them into a complete application. They provide a high level of flexibility, scalability, and customization, which helps to simplify the development process and improve the quality of web applications. Additionally, composable platforms provide built-in security features, easy integration with third-party services, and are highly adaptable to changing requirements. Composable architecture is already transforming various industries and raising the bar for customer experience and service. As the demand for highly customizable and flexible web applications continues to grow, composable platforms will become even more popular in the years to come.

Featured image by Joshua on Pexels

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5 CSS Tricks Designers Should Know

April 17th, 2023 No comments

Ever since its introduction to the world in 1996, CSS has been the staple of web page decoration and visual presentation. It has lasted until today, controlling aspects such as layout, typography, and colors of a web page or site. As a web designer, knowing key CSS tricks can help you enhance your work, producing web pages with a better look and feel, and making them more responsive and user-friendly.

If you’re a web designer, it’s up to you to create pages that leave a lasting impression. In this article, we’ll cover 5 CSS tricks designers as you should know. These techniques will help you create beautiful and responsive websites that will be sure to stand out from the crowd.

Essential CSS Tricks for Designers 

1. Grid Layout

Grid layout is a powerful tool that allows designers to easily create complex layouts. You can define rows and columns and then place elements within them. They are especially useful when dealing with many similar items that should be arranged spatially logically, such as a photo gallery.

To use the grid layout, you first define a container element as a grid with the display: grid property. You can then specify the size and placement of each row and column using the grid-template-rows and grid-template-columns* properties, respectively. Finally, you can place elements within the grid using the grid-column and grid-row properties.

Here’s a simple example of how to use a grid layout:

.container {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  grid-gap: 20px;
}

.item {
  grid-column: 1 / 3;
  grid-row: 2;
}

In this example, we’re using a grid to create a container with three columns and a 20px gap between them. We’re also placing an item within the second row and spanning it across two columns.

2. Flexbox

Flexbox is another powerful layout tool that allows designers to create responsive layouts with ease. With Flexbox, you can define a flexible container and then place items within that container.

To use Flexbox, you first define a container element as a flex container with the display: flex property. You can then specify how items should be distributed along the main and cross axes using properties like justify-content and align-items. You can also set the size of each item using the flex-basis property.

Here’s an example of how to use Flexbox:

.container {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.item {
  flex-basis: 30%;
}

In this example, we’re using a flexbox to create a container with items that are spaced evenly and centered vertically.

3. Transitions and Animations

Both transitions and animations are great tools for adding interactivity and visual interest to your website. With transitions, you can specify how properties should change over time, while animations allow you to create animated content with the help of keyframes.

To use transitions, you first define an element’s starting and ending states using properties. You can then use the transition property to specify which properties should transition and how long the transition should take. When the element’s state changes (for example, when the user hovers over it), the transition will occur.

Here’s an example of how to use transitions to create a hover effect on a button:

.button {
  background-color: #333;
  color: #fff;
  padding: 10px 20px;
  border-radius: 5px;
  transition: background-color 0.5s ease;
}

.button:hover {
  background-color: #fff;
  color: #333;
}

In this example, the background-color property of the button is set to transition over 0.5 seconds with an ease of timing function. When the user hovers over the button, the background-color changes to white, creating a simple but effective hover effect.

4. Custom Fonts

Custom fonts allow designers to create unique and memorable typography for their websites. Using custom fonts, designers can set their websites apart from the competition and create a more consistent and immersive experience.

To use custom fonts, you’ll first need to find a font you like and download it. You can then upload the font files to your website and use CSS to apply the font to your text. You can either use the @font-face rule to define the font, or you can use a service like Google Fonts to host the font files and provide a simple way to add the font to your website.

Here’s an example of how to use custom fonts with the @font-face rule:

@font-face {
  font-family: ‘My Custom Font’;
  src: url(‘my-custom-font.woff2’) format(‘woff2’),
      url(‘my-custom-font.woff’) format(‘woff’);
}

h1 {
  font-family: ‘My Custom Font’, sans-serif;
}

In this example, we’re defining a custom font called “My Custom Font” using the @font-face rule. We’re then applying that font to an h1 element using the font-family property.

5. Variables

Variables, also known as custom properties, allow designers to define reusable values that can be used throughout their CSS. This can make it easier to create consistent and modular styles and can also make it easier to update styles in the future.

To use variables in CSS, you first define them using the — prefix. You can then use that variable throughout your CSS by referencing it with the var() function. You can also update the value of the variable dynamically using JavaScript.

Here’s an example of how to use variables in CSS:

:root {
  –primary-color: #007bff;
}

button {
  background-color: var(–primary-color);
  color: #fff;
  padding: 10px 20px;
  border-radius: 5px;
}

button:hover {
  background-color: #fff;
  color: var(–primary-color);
}

In this example, we’re defining a primary-color variable and setting it to a blue tone. We’re then using that variable to set the background color of a button. When the user hovers over the button, the background-color changes to white, and the color changes to the primary color, which we set using the variable.

Empower Your CSS Skills

By using these 5 essential CSS tricks, you can create beautiful and responsive websites that stand out from the competition. They are all powerful tools that can help you take your designs to the next level.

Remember, these are just a few of the many CSS tricks that are available to web designers. A good designer should keep experimenting and learning new techniques to stay at the top of their game. Happy Web Designing!

Featured image by Christina Morillo on Pexels

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The Best Gaming and Professional Laptops in 2023

April 17th, 2023 No comments

Are you tired of working on or playing modern games on sluggish, outdated laptops? Relax, because all your worries will be solved by the top-tier gaming and professional laptops of 2023.

Complex games, extensive workloads, and high-performance requirements necessitate a high-powered laptop for gaming and professional jobs. That’s why the best laptop brands have developed groundbreaking features and stylish designs to give you an unparalleled experience in both gaming and the workplace.

However, narrowing down your options to just one laptop can be difficult. Our services begin at this point. In this blog, we’ll look back at the best gaming and professional laptops in 2023 and discuss how they might help you with work and play.

Everything you need to know about powerful processors and the latest and greatest graphics cards is right here. Stay with us if you’re a serious gamer or a hard-working professional in need of a laptop that can handle your workload in 2023.

Short Checklist

  1. MSI GF63 Thin
  2. Asus ROG Zephyrus G15
  3. Google Pixelbook 12in
  4. Razer Blade 14
  5. Alienware m17 R5 AMD Advantage
  6. MSI GF63 Thin

Are you looking for a cheap gaming and business laptop? The MSI GF63 Thin is the only option!

 While not the most powerful and professional laptop out there, it offers excellent performance at a competitive price point. 

The 11th-gen Intel Core i7 processor and PCIe 3.0 SSD are slightly older components, but they are paired with an Nvidia RTX 3000 GPU that still provides great gaming performance for the price. 

MSI’s laptops and desktops range from impressive to lackluster, but the GF63 Thin is definitely in the former category!

We checked this laptop thoroughly, and we came away really impressed. Not only is it reasonably priced, but it’s also of high quality. 

Those looking for a fantastic 1080p gaming system should go no further; despite its lack of customization options compared to other models on this list, it is still the best option.

Spec

  • Processor/CPU: Intel Core i7 up to the 11th generation 
  • GPU: Nvidia GeForce RTX 3050–3050 Ti
  • RAM: 64GB maximum
  • Display: 15.6-inch FHD (1920×1080), 144Hz
  • Memory: 1TB to 512GB 

Why You Should Buy

  • Great price-to-performance ratio
  • Solid build quality
  • Good range of ports

Why You Shouldn’t

  • Typical battery performance
  • A load of unnecessary features
  1. Asus ROG Zephyrus G15

The Asus ROG Zephyrus G15 is a dependable laptop for both work and gaming. It remains one of the top portable gaming PCs available today.

Reasons for its popularity among gamers include a strong AMD Ryzen processor and Nvidia RTX 3000 graphics processing units. 

The screen and overall design are top-notch. If you want a gaming and professional laptop that is capable of running the latest games, the Asus ROG Zephyrus G15 is a fantastic option.

Our tests showed that this gaming and professional laptop’s battery might last for up to nine hours, making it a true powerhouse. 

The sturdy chassis and sleek design ensure that no one but fellow gamers will suspect you of being a gamer. 

The value is outstanding; you’ll get a high-end laptop without breaking the bank. This is one of the ultimate best gaming and professional laptops in 2023 with all the bells and whistles.

Spec

  • Processor/CPU: AMD Ryzen 7 5800H – 9 5900HS
  • GPU: Nvidia GeForce RTX 3060 – 3080
  • RAM: Up to 32GB
  • Display: 15.6-inch QHD (1440p), 165Hz, 3ms, 300 nits
  • Memory: 1TB

Why You Should Buy

  • Superb functionality
  • Long-lasting battery life
  • Reasonable price

Why You Shouldn’t

  • It seems there is no webcam
  • Keyboard with no F10 keys
  1. Google Pixelbook 12in

Google Pixelbook 12in has a 2400×1600-pixel display and a resolution that is nearly quad-HD, plus it’s incredibly bright with a brightness of 421 units – significantly more than the average of 299.9 units. 

It produces stunningly vivid colors, capable of even rendering a dimpled texture for Erik Killmonger’s skin. It’s also a Chromebook, equipped with Google Assistant built-in. 

Google GA00122-US is a lightweight and thin laptop that packs a punch! This sleek machine weighs in at only 2.5 kilograms and is only 0.4 inches thick. 

It got a metal body and a Gorilla Glass screen that looks stunning! And, to top it all off, it has a backlit keyboard that makes typing a breeze. Best of all, it runs Chrome OS, which makes it incredibly stable and updates automatically – so you don’t have to worry about keeping up with the latest version.

Spec

  • Processor/CPU: Intel – 3.3 GHz
  • GPU: 8 GB – HD615
  • RAM: 8 GB DDR3L SDRAM
  • Display: 12.3 Inches – 421 units
  • Memory: 128 GB SSD

Why You Should Buy

  • Pixelbook pen makes it easy to write, doodle, or draw on the go.
  • Provide lightning-fast performance.
  • 12.3-inch touchscreen display with a full 360 degrees of rotation 

Why You Shouldn’t

  • Don’t offer many ports.
  1. Razer Blade 14

We know $2,600 is a hefty price tag, but the new Razer Blade 14 is worth it—it’s a gorgeous, compact, quiet, and powerful gaming and professional laptop that checks off all the boxes. 

The internal components are top-notch, and the screen is ultra-bright and vivid. And of course, it has the classic machined metal chassis that Razer Blades are known for.

Our RTX 3070 Ti model is the best choice if you want a quiet gaming and professional laptop without sacrificing performance. 

It can run most games at 60 frames per second or higher at 1440p, plus it’s unusually quiet for a laptop of this caliber. 

The battery life is satisfactory for a gaming and professional laptop, falling short of Ultrabook standards but still respectable.

Spec

  • Processor/CPU: AMD Ryzen 9 6900HX
  • GPU: Nvidia GeForce RTX 3060 – 3080
  • RAM: 16GB DDR5-4800
  • Display: 12.3 Inches – 421 units
  • Memory: 1TB PCIe Gen4 SSD 

Why You Should Buy

  • Visually stimulating display
  • Superior Gaming Capability
  • Frame made of sturdy metal

Why You Shouldn’t

  • Quite pricey considering the materials readily hand.
  • The keyboard is a bit too small.
  1. Alienware m17 R5 AMD Advantage

Check out the Alienware m17 R5 AMD Advantage if you want a gaming and professional laptop that excels in every category. 

This 17-inch laptop features a crazy 120Hz 4K display with support for Dolby Vision, giving you a sharp picture and a silky-smooth refresh rate. 

We put it through its paces, and it came out on top, with jaw-dropping results on our GPU tests and no trouble at all running games. 

It looks like an authentic Alienware laptop in terms of appearance. The Alienware m17 R5 AMD Advantage is the best laptop on the market if you want to play games.

Spec

  • Processor/CPU: AMD Ryzen 7 – 9MD Ryzen 9 6900HX
  • GPU: Discrete AMD Radeon RX 6850M XT and integrated AMD Radeon 680M
  • RAM: 16GB – 32GB
  • Display: 17.3” 360Hz 1080p – 120Hz 4K
  • Memory: 512GB – 1TB SSD

Why You Should Buy

  • Extremely well-thought-out ventilation and design
  • Outstanding work!
  • Superb, spacious display 

Why You Shouldn’t

  • It’s not cheap to get the AMD Advantage spec.
  • Low power reserves during gameplay
  • Rugged, cumbersome frame

Final Verdict

The five laptops indicated above will undoubtedly be the best gaming and professional laptops in 2023. The Asus ROG Zephyrus G15 has superb gaming features, while the MSI GF63 Thin has impressive performance and a sleek design. 

The Razer Blade 14 has all the capabilities you need to be competitive, while the Google Pixelbook 12in is the ideal laptop for work. 

Last but not least, the Alienware m17 R5 AMD Advantage is a powerful laptop that will give you an advantage over your rivals. Whatever your demands are, these five computers will more than likely satisfy them.

Featured image by orva studio on Unsplash

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Smashing Podcast Episode 59 With Chiara Aliotta: What Is Design Storytelling?

April 17th, 2023 No comments

In this episode of The Smashing Podcast, we take a look at design storytelling. What is it, and how can it help us shape digital experiences? Vitaly talks to Chiara Aliotta to find out.

Show Notes

Weekly Update

Transcript

Vitaly Friedman: She’s an award-winning graphic designer, art director and brand consultant working on digital products, print, editorial, UX, and branding. She has founded until Sunday a design studio focusing on regional branding and visual communication. Now in her work, she usually wears many different hats, designing for large and small organizations such as Joomla, PAMS Foundation, Smashing Magazine, Action Aid Hellas, and Medicine South Frontiers, co-running an art gallery, managing a personal lifestyle brand, and speaking at creative events.

Vitaly: Now, she also strongly believes in the power of storytelling and incorporates it in every project she works on. When she’s not working, you’ll find her traveling, capturing photographs or taking a dip in the sun deviled Aegean Sea. And of course, she’s a cat person living with her wonderful husband and her wonderful cat Kesa on the heavenly Greek island of Syros in the Aegean Sea. So we know she’s a wonderful designer and illustrator, but did you know that she also absolutely loves typography and children popup books? My smashing friends, please welcome Chiara Aliotta. Hello Chiara. How are you doing today?

Chiara Aliotta: I’m smashing. How are you Vitaly?

Vitaly: Hello, Chiara. Hello. Thank you so much for coming along. We have so many questions. We have so many things to discuss.

Chiara: Yeah.

Vitaly: And it’s okay, it’s unbelievable because every time I see your smile, every time I see you smiling, you always think about something, you always dream about something, you always have a story that you’re sharing. Right? And I really want us to start today by exploring your story first. So before we dive into storytelling, maybe you could tell us a little bit about yourself. How did you even end up in this wonderful world of design in the first place?

Chiara: Okay. So let me tell you a story. So once upon a time, there was a little girl, she was probably five years old and asked her mother, mom, is there a job where you can actually draw something every day and you can get paid for it? And the mother answered, yes, you can be a painter like your grandfather. So that little girl was me, five years old wondering if there was a job where I could actually always draw things that I like and that I see around me. And I end up doing art school. And then from that I move into design because I studied at the Polytechnic of Milan, and this is where my design journey actually started. When I was 18, I left Sicily in Italy to go in Milan, still in Italy, but in the north and discovered the world of design.

Chiara: While in Sicily, no one knew about design, of what was designed. The closest thing to design was architecture, but architects and designers and not really the same thing. So yeah, so it was quite a journey because I had to convince everyone in my family that I was going to make money out of this job. And it was quite a thing. I met the only female girl moving abroad and in Sicily we are always taking care of the girls. So it was quite a fight with the family before I could actually do what I wanted in my life.

Chiara: And the reason that I decided to study design it was because I wanted to design toys and furniture for children. So that was my goal. But I end up in doing a master in communication design, and this is where I discovered the world of branding. And I love it so much that since that I didn’t go back to toys. For me, everything is a playground. So it’s almost the same that branding and brand consulting sees what I’m enjoying right now. I love to do. And with different brand from printing to digital products.

Vitaly: I can see that for me it’s always very frustrating, I would say just to see the journey that people take when they get from one place to another in their life. And then I always feel like it’s always either hyper coincidences or just random people that you meet somewhere that kind of really motivate you. I remember a story when I was growing up, I had an uncle, or maybe it wasn’t even an uncle, I don’t even know because I saw him only once. But I remember him coming to me once and I was sitting, I was very young, very small, I don’t know, maybe six, seven years old. But he drew something, I think crocodile on a napkin at the time. And I was so impressed by that. I kept that napkin for a very long time until I think I probably lost it or so. But it had such a tremendous impact on me. Did you have those kind of things that really drove you to design or did you just want to draw things since you were a child?

Chiara: I think my inspiration was my grandfather who I never met. My mom was talking very high with him. And my grandmothee’s house, which was my family place, was full of paintings from my grandfather. So to think that someone could actually leave just drawing for me was mind blowing because I was like, wow, can you actually do this for living? I was very much discouraged by my family somehow to become a painter, but they never say no to my decision to go to art school. So that was also good. But yeah, I guess my grandfather played a big role into this decision and probably because I never met him, he became a me, like an important figure that I wanted somehow to be close to because everyone had a very strong idea and image of him.

Vitaly: But then off you went all the way to becoming a branding consultant as well at this point. But actually when I think about branding, I think that many of our dear listeners will be in the same spot as well. I often think about branding, is it just, I don’t know, logo and a bit of a tagline maybe. And sometimes I see this in advertising like a melody or this tune, which is two, three seconds long and maybe even if you go to extreme, it’s like a color palette and typography, right. But I can sense from the way you’re smiling is that you see branding as something slightly broader than that. Could you explain that?

Chiara: Yeah. Okay. You touch a very hotspot right now because I probably had a lot of discussion about this with clients. And slowly I’ve been educating them into understanding the brand is not the logo or the type line or the color palette. For me and in general for many in the field, a brand is how you make your customers feel about it when they experience your products or service. So it’s not anymore something physical, it’s something that is emotional. And it’s a very important aspect when we design anything, any touchpoints that could be an application, could be a brochure, anything really, even a stand, even a conference. That’s an experience when thinking about smashing conference, this is an experience more than of course you have your logo, you have your taglines, you have everything, but what you’re providing is an experience. And that is your brand.
This is what you bring with you no matter where you are. If you are in San Francisco, New York or in Freiburg, it doesn’t really matter. That’s what it for me is a brand is the consistency of an experience that no matter how you decline it, then it’s always the same for the customer, for the final customer.

Chiara:So there was definitely a time where a logo, color palette or the tagline were enough to make the difference. And this was the even maybe I was not even born when this was still valid because there was an economy based on manufacturing physical products. So that was, I’m going to say that was more like there was less competition first of all, and there were less products on the shelf. So you don’t have to really show up too much. There was not talking about experience. The economy of the experience is something that we talk about today and it’s been around for a while. And this is where the brand start to become a bigger player. So when the client asks me for a logo or the color palette or the tagline, I usually call it the identity. I never call it the brand. The brand is something else and it goes just beyond all this. It’s one part is probably made of the logo, but it is never about the logo, it’s always about how people feel.

Vitaly: But then I’m wondering also as well at this point, so where does it stop, right? Because if you think about the experience that you’re providing, the website is an experience, the customer service is an experience and you will see that sometimes we have this kind of terms also in the industry, customer experience design, service design. Obviously user experience design as well. So where do you set, lee’s say the frame or the limitations of the boundaries of your work? Because if somebode’s coming to you and they want to have you to design the branding, do you also design things like voice and tone of the copy that they’re writing? Do you also design, I don’t know, things like the personality, the illustrations, the characters and whatever they want to have? Or would you say that there are particular limitations that branding typically has after all?

Chiara: Yeah, that’s a good question. It really depends by the brief and the budget of the customers. This is first of all, one important thing. This is first of all, the limit. Then of course as you say everything could be brand. And indeed, it is, you produce under the name of something that could be, I don’t know, I just seen Smashing because I just took as an example. So whatever you build under Smashing brand has to fill up the same experience. So the same experience of a community has to be consistent in everything you do. Now, when it comes to tone of voice, or things that are very specific, even a video editing, how we renowned design the entering tone of the Smashing podcast. So that also it’s part of the branding. So you usually go back to the tone of voice that you set up for the Smashing magazine maybe.

Chiara: And then you go back and say, okay, it has to be fun. Maybe we can have some cats meowing. And then you start thinking how this could come together. That doesn’t mean I’m going to be the person. I usually go into a very high level aspect of the brand. So it could be indeed the tone of voice, it could be the keywords we are going to use. And then based on that there are specific people, video editors, copywriter is going to tick my work and interpret it like it’s a script. Actually, that’s what it is. Usually that’s what a brand manual is. It works like a script so that everybody can follow it. And of course it needs some kind of interpretations too. So my work finish when I decline the brand in all the aspects, thinking of how it can be declined in a very high level.

Chiara: And after that there are specific people joining and coming and working with that script, let’s say, which usually is a brand manual, which is wider. Sometimes if you have applications, it could be more than a brand manual, it can go down to design system as well. That’s part of the branding for me because that’s another way to experience, but a digital product. There are a lot of things. So you define those things up very high level and then you find people working with you in defining the tiny bits of the brand. So it could be then, as you say, they could be the copywriting, the task, the illustrations, and so on.

Vitaly: What I really like about this approach, seeing it in this way is that it provides us with some opportunities to do something really interesting with branding. I mean, I know that you’ve been very vocal and very interested in how to connect storytelling and branding. Maybe before diving into storytelling though, I’m very curious just about your feelings today about brands per se? So if I think about brands, I don’t know, 10, 20, 30 years ago, I have this strong feeling, and please correct me if I’m wrong, have the strong feeling that many brands could be neutral in so many things. They didn’t need to take a stand, they didn’t need to have an opinion. They were for everybody. And this is how I perceive not all brands of course, but some brands. So for example, it would be very uncommon for a brand to have a political opinion about how things should be or express it on, of course not on social media, but in print or in advertising.

Vitaly: It was more about the product and really kind of advertising for marketing and all that for the product. And now I have the strong feeling that it’s impossible. You can’t be a brand and, you can be a brand, but you cannot survive if you don’t have principles that you stand behind. If you are afraid to make somebody or some of your customers unhappy, you really, if you want to speak to anybody at this point, you have to eliminate somebody just because you have to stand for something. So do you see it in a similar way when it comes to branding or would you say that many brands can be perfectly fine being neutral around topics that are happening in society or in the world?

Chiara: So that’s a very good question. Probably it’s about evolution of brand. I think the brand, every brand or any is political somehow, if you want to say it this way. So they need to stand, they need to have a culture, they need to have a belief and values. So all these words are already defining what you are standing for. Maybe in the past it was easier because you were talking to the mother with the children or the father working until late at night. Now we are talking to communities, and this is something that’s changed because of the social media. So what we do is usually all together we always influenced by what other people are doing. We feel more and more that we need to belong to something. And this is something that social media is probably, how going to say, exasperated. But the sense of community is so strong that now when a brand talks to community, it identifies himself with the community values and what they believe.

Chiara: So definitely that means that a lot of people are going to be cut out from that brand culture or values, and it’s fine. Because if you want to please everyone, probably you’re not going to please everyone anyway. So you have to be very, I’m going to say, loyal to yourself. It’s about consistency. It’s about being true to yourself. So the brand needs to stand for something. And I recall when I was at the conference in New York and there was [inaudible 00:14:50], she did an amazing talk about how brand actually stand for a cause and how they can become a real propeller for a change. And I really love that talk because she actually was nailing it because she show how everything, every movement now has become a brand and how actually this is the power of branding. And this is an amazing aspect of branding, especially when they stand for causes that are bigger than us. So as a unit, as small people, we can do very little, but as a community we can really make a big change. So that’s my take on this.

Vitaly: Yeah, that makes sense. I still have to bring up one question about branding. I know that we will want to speak about storytelling, but one thing that really surprised me, I think it was actually quite a, I don’t know, viral thing I guess for a while maybe a couple of years ago before pandemic, where all of a sudden many fashion brands decided that it’s a good idea to redesign. And they kind of rebranded and they ended up becoming quite generic. So the logos that they ended up having are very generic. The website’s very generic, even the copywriting of how the emails were sent, very generic. But then on the other hand, what has been happening also is that you look at music industry, and you look at festivals happening and every single DJ, every single music producer needs to have their own brand. They all like whenever you have this wall of DJs that are playing, they all have their own branding in a way with their own [inaudible 00:16:22] custom design typefaces.
On the other hand, you also have these big institutions like banks, huge banks, they don’t know should we now be more kind of citizen centric and then more playful or not be more conservative and traditional because we’re managing other people’s finances and all that? So I do want to ask you at this point, where do you see what would be the right way of putting it? Where do you see maybe the storytelling, right? Where do you see it fitting well and where it doesn’t? Do you think that pretty much every organization, small and large, every company, every product can benefit from integrating storytelling as a part of the experience?

Chiara: My answer is yes. And I’m completely biased because.

Vitaly: I think you’re a little bit biased. Yes.

Chiara: I believe in the power of storytelling and that’s my motto that I guess it will always be because I have a proof that this is working. But it really depends what storytelling is because what you call storytelling. Because storytelling could be, I’m telling you a story about something very specific and about our customers doing, I don’t know, I’m just thinking about one of the most famous story that I recall when I was young. It was a very child, it was with Barilla, the pasta brand worldwide. And their story was always around the family as mother, father and children. And this was the story of the family joining together and the pasta was the thing that was keeping them together because there was a time when they were eating, so they were all at school, the children were at school, the mom was probably working somewhere, the father was coming home.

Chiara: And then the moment of reunion was the pasta. So the pasta Barilla became the symbol of family. This has changed of course with time because of family now it’s broader now and we have a lot of gender consideration to do based on that, but has been changing. And this is a story, this is a story translating to another type thing. Then there is a story as an approach, like a methodology, which is what the banks and other institution could actually use. And then we use this a lot with organization where especially the not-for-profit ones, because most of the time when they work they focus on analyzing the wrong side of the story. The most of the time it’s the effects, your actions do that you need to reflect on. And this is where storytelling comes to play because through the approach you start following your customer and understanding the emotional journey.

Chiara: And this is where you start to understand probably the story of a child dying every day is not, it’s not the one you want to promote. It’s the one that you save every day is the one you want to promote because that is going to give you the climax, which is what you want in a story. So we are not going to tell, of course, the story of a child dying somewhere or someone, I don’t know, losing their house because of a earthquake happened. Unfortunately of all this disaster, we just try to tell a different story.

Chiara: And so the storytelling approach is mostly a background methodology that help us define what our message is going to be. So it’s not going to transform into an advertising necessarily, but it’s going to be, I can say the narrative behind everything we are going to do and say. So that’s the difference. It’s what could be a story. So the advertising I told you before, it’s Barilla, it’s a story that you see happen in front of your eyes. And then there is the background storytelling, the approach itself, which helps you to actually identify the right message. So I see storytelling apply to everything because there are many ways to apply it. We need to decide what’s the best case and the best scenario for applying it.

Vitaly: Talking about the best scenario, I think I have just the question that I wanted to ask for a long time about specifically how to apply storytelling. And obviously it would be very interesting to see your design process. And I heard rumors that you have just published an article about that on Smashing Magazine, so thank you so much for that. But also I know that you’ve been working with the crypto platform in trying to embed storytelling in there. And I’m just really have to ask, I’m just really curious, how do you work to integrate storytelling to this kind of environments or banks or public institutions or some very conservative environments?

Vitaly: I can see it being almost straightforward for brands that care about fashion or that care about work-life balance or they care about lifestyle brands, that’s probably relatively straightforward, although please feel free to correct me at this point. But I’m really curious how you would try to bring in some sort of storytelling in this slightly less straightforward, I would say, environments.

Chiara: Okay, let me tell you a little bit because I think there is always a misconception about storytelling. Because lee’s say, first of all, I’ll start my meetings with the client saying once upon a time as I did with you when I was talking about myself. So I usually-

Vitaly: Oh, you do not?

Chiara: No, I don’t. They will probably throw me out of the office. Like what she talking about? No, never. So the storytelling is a more subtle thing. And I never disclose in the way, hey guys, I just storytelling. They would never understand everything. What are you a screenwriter, a novel writer? I’m still a designer. So what I actually do is what I was telling you before is that I use storytelling as an approach. So when I meet them for the first time, I usually ask all the questions that help me to fill up the script, my script.

Chiara: That stays with me, it’s the behind the scene that you have seen that you can read now on the Smashing Magazine article that I wrote about the landing page we designed together for smart interface, the design pattern. So is this athlete that script, but you were never going to see it. What you’re going to see is the final movie. It’s what you’re going to see in the cinema. You’re not going to see the behind the scene. I’m not going to tell you how I’m going to fill all the blank spaces of my script or what scene I cut and what other actually went into the final movie. So what I usually do is I usually follow the storytelling structure, so the beginning, middle, and end to help the user be with me on the creative ride so that they actually know exactly what to expect, when and how so that they can actually provide me the feedback I need when I need them.

Chiara: And this is what a director of movie will do, they will ask the actor to say specific line because this is like now shot, cut, done. This is what I do. I just direct the scene and I provide specific elements that I wished them to answer. So the client answers in specific times so they don’t feel too overwhelmed. And what they see at the end is the final product, so the final movie or the final book. They will never see the correction and all the things that went through it.

Chiara: Unless I write an article as I did. So that’s the storytelling thing. So I usually go through the story brand script that Donald Miller provide in his book, The Story Brand. And then from there I start filling up the single spaces. And so the clients want to hear, of course I’m happy to, but really they want to go straight to the climax of the story. They just want to see what I came up with. So I just go very quickly through the different steps but very quickly and then go into, okay, this is a final product and this is where they actually usually they have this wow moment. I still remember actually wow moment when you saw this Smashing book six. I still remember that.

Vitaly: Oh yes, I remember that vividly because everything is coming together all of a sudden. Because what I think that I have a strong feeling that very often when people like something, it’s not just because it’s aesthetically pleasing or it’s nice typography or anything like that, it’s just something clicks and that something clicks when you actually see or not necessarily see, but you perceive the connections. So for the Smashing book and also for the landing page, the idea of having all the different elements that kind of have their own life at first, but then put together, they bring everything else to life as well.

Vitaly: But they also, the only kind of best way of how to compare it in my head is they’re playing in a orchestra. So it’s not every single element is doing their own thing. And you have this horizontal line that looks like this and you have this little characters there having this and then you have this image corners looking like that. Whenever everything really fits well together, it’s always like they’re playing in an orchestra or some sort of a symphony or anything. And I think that people notice that. They might not necessarily be able to articulate it and point it directly, I know exactly why it’s done this way, but it’s almost like you are fighting a little bit of jams or Easter eggs every now and again here throughout your design for people to discover. It’s like a treasure hunt almost. So this is at least my feeling about it. What do you think?

Chiara: Yeah, I really agree with you. And that effect is like magic for me when it happens. It’s like when you watch a movie and you really like and you can watch it again and every time you find something different in the movie that you didn’t notice the first time. And I really like this kind of feeling. If I can say, evoke this feeling, for me it’s like one tick in the box. Actually it’s one of the highest thing that I can hope for my work when somebody notice things that were there, but I haven’t told them, but they notice it. And yeah, this is amazing. This is magic for me. And that’s why again, I believe in storytelling so much because only with storytelling you can put all these pieces together to work together well and also to create sequels if you want to and expand that story even more. That’s what storytelling can help you do. And yeah, I’m happy that you felt this way because that’s the highest achievement for a designer.

Vitaly: Yeah. Also, just to maybe go a little bit more into the process. So you would literally sit down and take a piece of paper and think about the plot, thinking about the climax, think about the [inaudible 00:26:54] arc, maybe, the story arc or the heroes in the story and the rivals and I don’t know, all the different things. And really map them before you start designing. Or does it help you to design the elements that will then go into the composition or would you say that it guides you towards the structure, the layout of the page or both?

Chiara: Depends. Depends how, it depends really the kind of work. When it comes to branding, because it’s a little bit more complicated, I usually go through the values and all the elements of the story. So value, emotions and actions that we want the user to do with the brand. So all these things. And I really need to create a plot for that because there are so many variables happening when it comes to brand. When it comes to landing page, like the one we design together for your course, usually I use the landing page as a shot. And the first thing I do is really divide it, the landing page in three scenes: the opening, middle and closing scene. And then I start to fill up with the elements I already asked you about the story. For example, you remember I asked you, okay, how do you want the people to buy your course and what else are you providing?

Chiara: Is there any gift? These are all things that help me. Then I position them inside the page between the different act and this is how I start to build the story for you. And to ensure that actually we can move from one act to another one, so I put some delight. So for example, you were telling me, oh there will be a gift and for the people, I’ll name it access to the deck. And I was like, okay, we need to put it somewhere on the website. It needs to be just before maybe they sign up. So it’s going to be a delight moment or surprise that going to convince them that this is the right way to go. And I try not to use dark patterns, but of course the idea is always to propel to the final action. I just want people to finally go to the end.

Chiara: So it really depends. But for example, for your landing page, it was difficult to find the central team, the concept, how can we look different? Okay, we’re talking about video course, but yeah, but how can we make a little bit more memorable? So the people saying, oh, this seems different. It seems interesting. How we can keep this curiosity and playing around because the designers are very difficult to please. So you were talking with a very difficult audience. So I am one of them. So I try not to put myself in that shoes, of the shoes of the customer. But I have to feel some empathy about a designer who wants to discover a little bit more about UX design and design patterns.
So the playful side of registration was probably the most difficult part because I mean was like, oh my god, we’re going to talk about food now. But yeah, he’s in the kitchen. Oh my god, everything leads over there to food experience. Oh yeah, this is what it’s going to be. It’s going to be a food experience. So that was me talking to myself, putting down the notes and was like, yeah, this is going to be, that’s it, [inaudible 00:30:03] for experience. Now I need to transform the cogs into fishcakes. I don’t know how I’m going to do it, but I’m going to do it. Yeah, that was exactly what happened. So I don’t know if I answer your question, but-

Vitaly: Yeah, of course. Yeah, this is just exciting to get a little, I would say, peak behind the scenes. But I also just wondering at this point, so as you keep evolving and you create all these worlds that you then put and bring into life when it comes to designs and all, does it happen to you sometimes that you create this universe almost that actually incorporates all the different aspects of the brand, aspects of the company and the values that they believe on the culture and all that? But then the project is done, you move on to other projects, right, but they need to maintain or evolve that universe that you have created.

Vitaly: And I’m wondering, does it work? Because again, this involves everything, right? Because again, as I mentioned, when it comes to branding, it’s a voice and tones how you do your marketing, how you design your advertising spots or banners and you send out emails through your email list and all. Do you also do some sort of, I don’t know, do you write actually the script as well or would you advise companies to do that, to make sure that you actually speak in the same voice that independent on what touchpoints the customer is going to be experiencing or going through with the brand or the company?

Chiara: Usually when I, okay, lee’s talk about brand because it’s a little bit more my sphere, but I will say than it probably open up to all the other things I design. So when I approach a brand, usually they have a, what is called a design brief. That is like a blueprint for anyone approaching the design of any part of the design to read what we have decided up from. It contains the vision, the mission. I know, the brand manual could have that too, but this is very specific. It really have, it’s called design brief because you read this piece of paper, which usually is made of a few pages. And you really understand what kind of elements come into play when you design something for this company. And then you have the brand manual, that’s also combined. You get a very full picture of what it is going to be, the brand.

Chiara: Whatever you’re going to design, this has to be, someone has to be aware that are these two documents. And usually I provide both of them. If work really well for startups, especially because with startups I’ve been working for a long time with blockchain, especially the last two years. During the pandemic, blockchain was probably one of the best industry to work with and a lot of startups started and they wanted to have documents so that the product while evolving could actually follow up what we have decided. That’s always an evolving procedure with startups. So you never know how the product will end up to how it’s going to look like.

Chiara: When it comes to simply product. They’re digital like an application. Then is a little bit more difficult. I usually like to provide element bits and bites of the interface. Also extra that may be used in the future just in case just to give an idea of what it can look like. I want to call this design system, they’re not. They’re just the elements of the user interface that I provide extra. But most of the time I just leave, how I going to say, I just leave it to the interpretation of the developer to come with some ideas about that.

Chiara: And I have clients that coming back and say, oh, our developer design this bit, can you look at it? Does it look in brand for you? And sometimes it’s good. They’re being reused some pieces, which is great because what I do is usually design by modules. So they just take pieces together and they form the new component. Sometimes it’s not that good, but then when it’s bigger part of the design, maybe they come back to me and ask me, please Chiara, can we continue our story together? Can you think about something for this specific element of the website or the application?

Chiara: And now we move forward from there. It’s more working, I don’t know, I think about the sequel or I don’t know, stranger things, okay. Or maybe, oh no, maybe I will say some movies, where a different director working together and then at the end you have a nice melting pot, but it’s nice. It doesn’t look like strange. Because all of them, they pick up from where the other has left. So sometimes they commit to review some of these pieces and it’s a nice moment because you refresh a little bit of brand, you refresh a little bit what you said and you hope they will follow up from there with their own stats. Most of the time it’s easy. It’s easy then. But I usually been called back to review big pieces of design just because they didn’t feel it was quite right as they were done.

Vitaly: Yeah, I think it’s also can be almost like a never ending story when it comes to this kind of embedding storytelling involving the brand and its on. And fortunately there is a wonderful chance that our wonderful readers or readers or listeners can get to join one of your upcoming portraits where I think going to look into just that. And it’s called the Power of Storytelling and it’s taking place in March in about a month or so from now. Maybe you could share a bit of a few insights with us about what it will be about and why all the wonderful people who are listening to this now should absolutely go ahead and join you in that adventure.

Chiara: Okay, so first of all, thank you for mentioning and thank you for the opportunity to actually be able to run this workshop with the Smashing community. So it’s a quite interesting workshop because I’ve been running this live here on the island of Syros on a very basic level because the students are very young and they’re very new to storytelling. And when I decided that we can do a high level workshop online and because I imagine to be, it’s going to be a very directed workshop because we are going to start by analyzing the fundamentals of storytelling. So again, it’s not going to be once upon a time. Okay, we can start every day of the five sessions, say once upon a time, but it actually is going to be a real diving deep into the elements and methodologies of storytelling. So how we actually divide and map the user journey.

Chiara: So if you think about user journey map and heroes journey, and emotional journey, forget about it because we are going to write a script for an Oscar word application or product that every user going to love. So in general, this is what I want. I want to teach and want my student participant to learn how to use a storytelling in a way to create products that are memorable. So it’s not going to be the beautiful illustration, but it mostly like how we can make an experience memorable for the user.

Chiara: Then it doesn’t matter how you decline it. It matters that it’s consistent. So it’s a mix of user experience, probably a little bit of understanding of interface design because we are going to do it for a digital product mostly. But then after that, once you apply the and you learn these methodology, then you can apply to everything you want. Whatever it’s your project, you can just take this methodology and apply it to everything else. To your next project that is in pixel or in print or just an experience for a venue. It really doesn’t matter because that’s the beauty of storytelling and of this pluses that you can really apply it almost everywhere.

Vitaly: Well, if this is not exciting, I don’t know what is, right. So I’m very much looking forward to this as well. So on the Power of Storytelling, which is going to be taking place with Chiara in a month. Just to wrap up at this point, maybe I do have to ask one final question I like asking because it gives us a little bit of a hint about what people who are in here on the Smashing podcast are really interested in. Do you have a particular dream project, something that you maybe would love to work one day? Just to give you a few ideas, right. Some of the people we interviewed are going really big. They want to necessarily have the option to design one of the rockets that are going to go to the moon. That could be the ambition. But it could also be just something as simple as a series of children books. That’s perfectly fine as well. Do you have a particular dream projects that you would like to realize one day, Chiara?

Chiara: I’m a dreamer and I honestly, I think I live a life that is already close to what I dream of. But there are always new dreams coming up. So one thing I would like to do is on the field of storytelling, I really would like to create a little empire around this idea, methodology, that I want to share with the people. Because I’ve seen it, the magic of transformation that happens behind storytelling. So I would like to write a nice book or things that are maybe pop up book as well, something different that about storytelling and the approach and the methodologies behind storytelling. That’s one dream I had. And to become a more like a mentor in this field because I think I have a lot of to share. Just sometimes you don’t have the time to do that, to start writing a book or writing on things you’ve been through just for sharing.

Chiara: And so the other people don’t have to experience the same, they can just jump at the end of the book and read how it’s ending. So you who is the killer, this kind of thing. I would like to share more so that no one has to endure what I endure because there is no need because you can live out the experience someone else. So that’s one dream.

Chiara: And the other dream is something that I’m working because it was a dream until two years ago. Because of the pandemic it couldn’t happen before. And I’m putting together a little hub here in Syros of designers that are on the island. Because the pandemic brought so many people working remotely. They don’t want to live anymore in a big city. They want to live in a nice place with a sea two meter away. And so I start to meet a lot of people, interested in design, and there is a design school here.

Chiara: And so I think there are the right basis for creating nice hub for a nice spot on Syros to be like in the map of the destination for designers. So I’m working on it right now with some other professional creatives in the field and not only, but also musicians and food experts. So I have an entourage of people that we’ve been thinking and discussing how this could happen. And I don’t know, I keep you posted because I don’t know what is happening.

Vitaly: Oh yes, please.

Chiara: And maybe, I don’t know, Vitaly, you can do a Smashing edition, summer editions, Smashing conference summer edition on Syros one night because yeah

Vitaly: That sounds very exciting indeed.

Chiara: That would be lovely.

Vitaly: Yeah. Excellent. If you dear listener would like to hear more from Chiara, you can find her on Twitter where she’s @ChiaraAliotta. On Instagram where she is @untilsundayagency and also on her homepage, beautiful homepage, untilsunday.it. Thank you so much for joining us today, Chiara. Do you have any parting words of wisdom for people who might be listening to the show? 10 or 15 years from now, where storytelling is just everywhere. Anything that you’d like to send to the future? A message to the future generations?

Chiara: I just think about, just design always to put the smile in the face of your customers. So if storytelling is one way, please do it. If you know other ways, please share it.

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The Essential Guide to Starting a FinTech Company: What Entrepreneurs Need to Know

April 17th, 2023 No comments

Starting a FinTech company is an exciting, yet daunting task. With the right information, resources, and a willingness to learn, entrepreneurs can launch a successful FinTech business. This article provides an essential guide to starting a FinTech company, covering everything entrepreneurs need to know, including the benefits of starting a FinTech company, regulations and licensing requirements, FinTech platforms and tools, and tips for growing your FinTech business.

What is FinTech?

FinTech, or financial technology, is the use of technology to provide financial services. It is an industry that is rapidly evolving, with new products and services being developed to meet the needs of consumers and businesses. FinTech companies provide a variety of services, such as payments, lending, investing, and more. FinTech companies are disrupting the traditional banking and financial services industry by offering more efficient solutions and services.

The FinTech industry is growing rapidly, with the global market size expected to reach $309 billion by 2022. This growth is driven by the increasing use of mobile devices for payments, the emergence of new technologies such as blockchain and artificial intelligence, and the increasing demand for financial services in emerging markets.

Benefits of Starting a FinTech Company

Starting a FinTech company comes with a number of benefits. For starters, FinTech companies have the potential to disrupt the traditional banking and financial services industry, offering more efficient and cost-effective solutions. Additionally, FinTech companies have the potential to reach a global market, expanding their customer base and revenue potential.

FinTech companies also have the potential to realize a high return on investment. FinTech companies can leverage technology and data to develop products and services that are tailored to their customers’ needs. This allows FinTech companies to target their customer base and create more effective marketing campaigns.

Finally, FinTech companies can benefit from a supportive and collaborative environment. FinTech startups and established companies often work together to develop new products and services, share resources, and foster innovation.

FinTech Trends

The FinTech industry is constantly evolving, with new trends emerging every year. Here are some of the most important trends to be aware of:

  • Digital Payments: Mobile payments, contactless payments, and online payments are becoming more popular as customers seek out more convenient and secure ways to make payments.
  • Open Banking: Open banking is a trend that is transforming the financial services industry by allowing customers to securely share their financial data with third parties. This allows customers to make more informed decisions and access more services.
  • Artificial Intelligence: AI is being used in the FinTech industry to automate processes, improve customer service, and develop more accurate predictions.
  • Blockchain: Blockchain technology is being used in the FinTech industry to create secure and transparent transactions.
  • Cybersecurity: Cybersecurity is becoming an increasingly important trend as customers seek out more secure ways to store and transfer data.

Regulations and Licensing Requirements for FinTech Companies

Before starting a FinTech company, it’s important to understand the regulations and licensing requirements. FinTech companies are subject to a variety of laws and regulations, including those related to consumer protection, data privacy, and anti-money laundering. It’s important to understand the regulations that apply to your business and to ensure you’re compliant.

Additionally, FinTech companies may need to obtain a license from a regulatory authority, depending on the type of services they offer. For example, companies that offer investments or loans may need to obtain a license from the Securities and Exchange Commission or a state regulator.

FinTech Platforms and Tools

FinTech companies need the right tools and platforms to succeed. Here are some of the most popular FinTech platforms and tools:

  • Payment Processing Platforms: Payment processing platforms such as Stripe, PayPal, and Square can be used to securely process payments.
  • Investment Platforms: Investment platforms such as Acorns and Robinhood can be used to manage investments and make trades.
  • Blockchain Platforms: Blockchain platforms such as Ethereum and Hyperledger can be used to create secure and transparent transactions.
  • AI Platforms: AI platforms such as IBM Watson and Microsoft Azure can be used to automate processes and improve customer service.
  • Cybersecurity Platforms: Cybersecurity platforms such as Symantec and McAfee can be used to protect customer data.

Steps to Starting a FinTech Company

Starting a FinTech company requires a lot of planning and preparation. Here are the steps entrepreneurs should take to get started:

  • Research the Market: Before starting a FinTech company, entrepreneurs should research the market to determine the potential customer base and competition.
  • Develop a Business Plan: A well-developed business plan is essential to the success of a FinTech company. It should include an overview of the business, financial projections, and a marketing plan.
  • Secure Financing: FinTech companies typically require a lot of capital to get started. Entrepreneurs should explore financing options such as venture capital, angel investors, and bank loans.
  • Find Partners: FinTech companies often partner with other companies to develop products, share resources, and expand their customer base.
  • Hire a Team: FinTech companies require a team of talented and motivated employees to succeed. Entrepreneurs should consider hiring employees with experience in finance, technology, and marketing.
  • Develop Products and Services: FinTech companies need to develop products and services that meet customer needs and are competitive in the market.
  • Obtain Licenses and Permits: FinTech companies may need to obtain licenses and permits to operate in certain jurisdictions.

FinTech Investment Strategies

FinTech companies need to have a solid investment strategy in order to succeed. Here are some tips for developing an effective FinTech investment strategy:

  • Understand the Market: FinTech companies need to have a thorough understanding of the market and their competitive landscape.
  • Identify Investment Opportunities: FinTech companies should identify investment opportunities and develop strategies for taking advantage of them.
  • Diversify Investments: FinTech companies should diversify their investments to reduce risk and maximize returns.
  • Monitor Investment Performance: FinTech companies should regularly monitor their investments to ensure they are performing as expected.
  • Rebalance Portfolios: FinTech companies should periodically rebalance their portfolios to ensure they are properly diversified.

Finding FinTech Partners

Partnerships are an important part of the FinTech industry. FinTech companies often partner with other companies to develop products, share resources, and expand their customer base. Here are some tips for finding the right FinTech partners:

  • Identify Potential Partners: FinTech companies should identify potential partners that have complementary products, services, and resources.
  • Research Partners: FinTech companies should research potential partners to ensure they are reliable and trustworthy.
  • Negotiate Agreements: FinTech companies should negotiate agreements that are mutually beneficial and clearly define the terms of the partnership.
  • Monitor Performance: FinTech companies should monitor their partners’ performance to ensure they are meeting their obligations.

Tips for Growing Your FinTech Company

Growing a FinTech company is no easy task. Here are some tips for growing your FinTech company:

  • Focus on Customer Service: FinTech companies should focus on providing excellent customer service to ensure customer loyalty.
  • Invest in Technology: FinTech companies should invest in the right technology to automate processes, improve customer service, and remain competitive.
  • Leverage Data: FinTech companies should leverage data to develop products and services that meet customer needs and to create more effective marketing campaigns.
  • Develop Strategic Partnerships: FinTech companies should develop strategic partnerships to share resources, gain access to new markets, and foster innovation.
  • Stay Up-to-Date: FinTech companies should stay abreast of the latest trends and developments in the industry to remain competitive.

Conclusion

Starting a FinTech company is an exciting and rewarding endeavor. With the right information, resources, and a willingness to learn, entrepreneurs can launch a successful FinTech business. This guide provided an overview of the essential steps for starting a FinTech company and what startups need to succeed, including understanding the market, developing a business plan, securing financing, finding partners, and more.

Starting a FinTech company is a big undertaking, but with the right information and resources, entrepreneurs can develop a successful business that is both profitable and rewarding.

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The Role of Storytelling in Small Business Websites

April 14th, 2023 No comments

Picture this: you stumble upon a small business website and find yourself drawn in by a compelling story that resonates with you on a personal level.

Suddenly, you feel a connection with the brand and are more inclined to make a purchase.

This is the power of storytelling in small business websites, and in this article, we’ll show you how to harness it to connect with your audience and take your business to the next level.

Why Storytelling is Essential for Small Businesses

As a small business owner, you want to do everything you can to stand out from the crowd. But in a sea of websites, it can be tough to capture the attention of potential customers.

That’s where storytelling comes in. By sharing your brand story and using narratives to connect with your audience, you can differentiate yourself from competitors and build a loyal following.

But it’s not just about standing out. Storytelling has a real impact on consumer behavior. Studies have shown that people are more likely to remember information presented as a story than in a list or bullet points.

When you use storytelling on your website, you’re not just making your brand more memorable; you’re also making it more relatable and emotionally compelling.

Understanding your Audience

Before you can start crafting your brand story, you need to understand who your audience is and what they care about.

What are their pain points?

What are their desires and values?

By answering these questions, you can create a story that resonates with them on a personal level.

For example, let’s say you’re a fitness coach who specializes in working with women over 40. In this case, your audience might be dealing with issues like hormonal changes, low energy, and a desire to feel strong and healthy as they age. By crafting a brand story that emphasizes your understanding of these issues and your ability to help women overcome them, you can create a powerful emotional connection with your audience.

Crafting your Brand Story

Your brand story is more than just a list of facts or a marketing pitch. It’s a narrative that brings your brand to life and makes it relatable to your audience. There are a few key elements that make up a great brand story:

A protagonist

Your brand story should have a main character that your audience can root for. This might be you, the business owner, or it might be a fictional character that represents your brand.

Conflict

Every good story needs conflict, and your brand story is no exception. What obstacles have you faced in building your business, and how have you overcome them?

Resolution

Your brand story should have a happy ending (or at least a satisfying one). What have you achieved, and how has your brand made a difference in the lives of your customers?

For example, let’s say you run a dog grooming business. Your brand story might focus on a rescue dog who came to your salon looking unkempt and unhappy.

Through your expert grooming skills and compassionate care, you transformed the dog into a happy, healthy pet who was adopted by a loving family.

By telling this story on your website, you’re not just promoting your business; you’re also highlighting your commitment to animal welfare and building an emotional connection with your audience.

Other examples of how businesses can use storytelling:

A photographer might use brand storytelling to showcase their passion for capturing life’s special moments. They could share stories about the meaningful connections they’ve made with their clients and how they’ve helped them to create lasting memories.

A fitness studio can emphasize its commitment to helping people achieve their health and wellness goals. They could share stories about clients who have transformed their lives through fitness, or about the studio’s own journey to becoming a welcoming, inclusive space for all.

A coffee shop might use brand storytelling to create a warm and welcoming atmosphere that feels like a home away from home. They could share stories about the origins and roasting process of their coffee beans, or about the community events they host that bring people together over a cup of coffee.

Incorporating Storytelling into your Website

Once you’ve crafted your brand story, it’s time to incorporate it into the content of your website and there are a few ways you can do this:

Use visuals

Quality Images and videos are a great way to bring your brand story to life. Consider using photos of your products or team members, or creating a video that tells your brand story in a compelling way.

Highlight your mission

Your brand story should be woven into your website’s mission statement and about page. Make sure these sections of your website reflect your brand story and values.

Here are some examples to get you started:

At XYZ Bakery, we’re more than just a bakery – we’re a community. Our commitment to using locally sourced ingredients and providing a warm, welcoming atmosphere is rooted in our belief that good food brings people together. We’re passionate about creating a space where our customers feel like part of the family, and where every bite of our delicious baked goods tells a story of quality and care.

At ABC Cleaners, we’re committed to more than just clean homes – we’re committed to a cleaner planet. Our brand story is one of sustainability, with a focus on using eco-friendly cleaning products and reducing waste. We believe that a clean home should also be a healthy home, and that our customers’ satisfaction comes from knowing that their clean home is contributing to a cleaner world.

At Grooming Haven, we’re not just in the business of grooming pets – we’re in the business of creating happy, healthy pets and happy, satisfied pet owners. Our brand story is one of compassion and expertise, with a focus on providing top-quality grooming services that keep pets looking and feeling their best. We know that every pet has its own unique story, and we’re committed to helping them look and feel their best for years to come.

Use testimonials

Testimonials from satisfied customers are a powerful way to reinforce your brand story and build social proof. Use customer quotes and reviews throughout your website to show that your brand is making a real difference in people’s lives.

Engaging with your Audience

Finally, it’s important to engage with your audience through storytelling. This means using your brand story as a jumping-off point for conversations with your customers and followers.

For example, you can develop a quiz based on your brand story that helps customers learn more about your business while having fun. A pet grooming business could create a quiz that helps customers identify their pet’s grooming needs based on their breed or personality.

You can encourage your customers to share photos or videos of themselves using your product or service, and then feature those posts on your website or social media pages. This helps build a sense of community around your brand and encourages your customers to feel more invested in your success.

Use social media or video conferencing platforms to host a live Q&A session where you can answer questions from your customers and followers. This provides an opportunity for you to share more about your brand story and connect with your audience on a personal level.

Incorporate stories into your email marketing campaigns to help build a deeper connection with your subscribers. For example, a clothing brand could share stories about the inspiration behind their latest collection, or a food delivery service could share stories about the local farmers and producers they work with.

Provide a glimpse into the behind-the-scenes workings of your business by sharing photos or videos of your team, your workspace, or your creative process. This helps humanize your brand and makes your customers feel more connected to the people behind the products or services they love.

Storytelling is a powerful tool for small businesses that want to differentiate themselves from competitors and build a loyal following.

By understanding your audience and crafting a compelling brand story, you can create an emotional connection with your customers that goes beyond simple transactions.

Incorporating storytelling into your website and engaging with your audience through social media and other channels can help you build a community of supporters who are invested in your brand’s success. So don’t be afraid to share your story and let your customers get to know the heart and soul of your business.

Featured image by Suzy Hazelwood on Pexels

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How AI is Driving Social Sentiment Analysis for Better Customer Understanding

April 13th, 2023 No comments

Sentiments and emotions are hard to quantify, but, ironically, are the most crucial factors when a user makes a purchase decision. Users share their thoughts and opinions across various social platforms day-in-out. To make the most of it, brands need to monitor the chatter and derive useful insights that help understand user emotions, intent, and purpose. After all, every brand wants to know how their target users “feel” about them!

What is Social Sentiment Analysis? 

Marketers are obsessed with metrics, and why not. Metrics help you boost your business in the right direction. However, metrics cannot surpass your users’ sentiments and feelings. 

Social sentiment analysis can help brands dig deep into how their target users “feel” about them and turn social insights into actionable data. When a brand tries to incorporate user perceptions into its marketing and branding strategy, you get a successful and loved brand. 

Social sentiment analysis, or opinion mining, is a natural language processing technique that tells you if the data acquired is positive, negative, or neutral. This enables brands to create a better user experience. After all, it is the end-users experience that matters.

Sentiment Analysis + AI

AI tools are paving the way in every domain we can think of. Whether driving business goals, writing content, or generating customized audio, there is an AI tool for everything. 

It is only obvious that AI found its way into analyzing social sentiments. It pits together the power of two of its subfields – 

  • Natural Language Processing
  • Machine Learning

The technology behind sentiment analysis

Any AI-enabled sentiment analysis tool has these two subfields at its core. 

NLP converts human language into a language that machines understand. It implements syntactic (understand text structure) and semantic (identify meaning) techniques. 

Once the text is processed, machine learning algorithms come into play for classifications. Machine learning algorithms help identify patterns in data and make relevant predictions based on them. 

However, you must understand that machine learning algorithms do not rely on explicit instructions. Rather, it learns from its existing data set, i.e., the training data. 

In layman’s terms, a machine learning model will classify texts by sentiments based on the text emotions it is trained on. Each emotion must be labeled with corresponding categories and tags. 

After seeing a few examples, the model learns to associate a given text with a specific tag. Based on this, it starts predicting tags for unseen content. 

Sentiment analysis with AI lets you tag a huge volume of data sets simultaneously and in real-time. Since machine learning algorithms learn over time, your sentiment analysis models will only get smarter. 

Social Sentiment Analysis with AI

Social sentiment analysis tools follow the same model. It scouts social channels to identify and classify texts (social messages) into positive or negative. For instance, a social post stating, “I love using this tool” will give positive results in sentiment analysis.

Check out how sentiment analysis work. 

Featuring: MonkeyLearn’s Free Sentiment Analysis Tool

But, is it the same as social listening? 

Social listening vs. social sentiment analysis

While marketers use these two terms interchangeably, they are different. 

Social Listening Social sentiment analysis
Social listening captures brand mentions across the web. 
It is not limited to social channels. Brand mentions can be anywhere – blogs, social channels, forums, communities, etc. 
It helps answer questions like – 
Where do people talk about my brand? How do they perceive my brand? How does my brand perform against my competitors? Who can be my key influencers? 
Social analytics provide actionable insights.
It analyzes brand performance on social media at a deeper level and helps you understand the impact of your social efforts. 
It helps answer questions like: 
How effectively users are engaging on social media? How many people can see your brand? What are the user demographics and interests?

Social sentiment analysis can be tagged as a subset of social listening. Once you discover your brand mentions, the next step is to analyze the sentiment across those mentions. 

This allows brands to detect emergencies and take appropriate action before it is late. After all, more social mentions are not always equal to positive mentions. 

For instance, the eCommerce giant was in hot soup in 2019 for apparently hurting Hindu sentiments when it started showcasing products like doormats, slippers, and toilet seat covers with pictures of Hindu gods and goddesses. A Twitter user posted images of the same and was backed by thousands of people urging the brand to remove the entire catalog. 

The aggression was severe, to the point where users threatened to stop using the app or delete the app, altogether! And why not. It was the second time Amazon made the same mistake. 

As a result, Amazon clarified that the said product catalogs are removed and that all sellers will adhere to the selling guidelines. If sellers do not adhere to the selling guidelines, their products will be removed from the eCommerce portal. 

Owing up social backlash with utmost honesty and rectifying mistakes – brands can do it right if they successfully listen to their users and analyze the sentiment around the chatter. 

Types of Social Sentiment Analysis

Opinions (or sentiments) on social media are wide-ranged. They can be extremely positive or negative, somewhat positive or negative, or absolutely neutral. This is also termed as polarity-driven analysis. 

Here’s how you can grade emotions from the tone of the text. 

User opinion Sentiment analysis
I am so stocked to see this feature live. Can’t wait to try it out Extreme positive
Why would you remove the icon @xyz brand? Somewhat negative
I am never coming back to this website ever, ever again. Pathetic customer service. Extreme negative
Not sure if this feature will help marketers in the long run Neutral
I love buying from @xyz but this time you’ve really goofed up Somewhat negative

Sentiment analysis models

Grading sentiments as positive, negative, or neutral is the first level. To implement AI-enabled social sentiment analysis, you must go beyond polarity. 

Some advanced and popular types of sentiment analysis include: 

  • Emotion analysis

Emotion-driven analysis helps you dig deeper into user emotions like anger, happiness, or frustration around your product/brand. In most cases, sentiment analysis tools use lexicons i.e. list of words that conveys emotions, or resort to advanced machine learning algorithms. 

The downside of using lexicons is that the correct emotion is often not captured. Lexicons contain words that specify a certain kind of emotion. For instance, words like bad or kill often resonates with anger. However, a social opinion stating this feature is killing it indicates happiness

For instance, look at this tweet with all the bad words, but the tweet’s emotion is positive and happy. In such cases, the emotion analysis can go wrong unless your sentiment analysis also considers the emojis. 

In that case, the algorithm will predict the emotion correctly. 

  • Aspect-based analysis

Aspect-based analysis helps brands understand what exact feature or part of ad users tag as good, bad, or ugly!

For instance, This filter does not look good on nigh-mode pictures instantly tells a brand that the opinion is solely about the said filter. The brand can improve the filter or launch a new one for the camera’s night mode. Either way, aspect-based analysis helps dig deep into what users want and what they do not. 

  • Multilingual sentiments

This involves a lot of pre-processing and resources. You will need lexicons (available online), noise, and translation algorithms (you must build them) to detect the sentiment. 

Multilingual sentiment analysis works for brands with users from varied ethnicities, cultures, and demographics. 

Social sentiment analysis to Understand Customers

There is no other alternative for brands but to listen to and understand their end-users. As more and more users become aware of the power of social media and brand positioning, brands must leverage social monitoring and sentiment analysis. 

Here’s how you can use sentiment analysis to your benefit

1. Spot opportunities to improve user experience

When you start monitoring brand mentions across social channels (and the web), you monitor compliments and complaints. This gives you a detailed insight into what your users expect from you. While compliments show that your product/services are built in the right direction, complaints show the gap that you might be missing otherwise. 

For instance, a complaint need not be aggressive or extremely negative. It can also be around a missing feature or service you have not yet introduced. Monitoring such mentions and engaging with users can help you identify what your users seek. If you find most users voting for that missing feature, you know it’s time to get it done. 

One brand that I absolutely love using is Canva, not only because the templates and design possibilities help marketers like me design pro images – but also because this brand listens and responds. 

Check this tweet from one of its users and how Canva handled it. 

There are many instances when you feel like a feature is missing and validate the same via social media. Social posts like these are also part of sentiment analysis. The score may not be as high as a proper negative review, but it will still be graded as negative. 

Pro-tip to handle such mentions: Own up to the gap and be empathetic. This lets the user know you’ve noted the issue and will work around it. It builds trust and also improves user experience. When a user knows he/she is heard, that’s all that matters to build a healthy brand reputation. 

2. Reduce customer wait time

Sentiment analysis tools will show you sentiments over time, like days, weeks, and months. Simultaneously, it will also tag social posts as positive, negative, and neutral for you to take quick action. 

For instance, I used a free sentiment analyzer tool to review the sentiment score for a random post. 

The tool analyzed the text and scored -100, indicating extremely negative and serious issues. The post uses a sarcastic tone to complain, but the tool accurately captures the negative sentiment. 

Similarly, I used one of the genuine tweets from Canva’s Twitter channel and ran an analysis on the same – 

While this tweet is regarding a missing feature in the product, the sentiment is still positive and generates a 100 score on the sentiment scorecard. It contains lexicons like ‘not sure’, which can easily get tagged as negative sentiments. However, looking at the context, the tool marks it as positive. 

In both cases, you must be quick to respond. 

  • Responding to a positive or neutral social post will help you build better relationships with your users, along with instant gratification. 
  • Responding to an issue or complaint on social media posts with either a solution or a process/resource to resolve the issue quickly can help you build user retention. 

No one wants to wait endlessly. Forget endless; users hate to wait beyond an hour. Research shows users expect a reply within 24 hours. Your users will start rethinking your brand within seconds of encountering an issue. So, the quicker you are, the better it is. 

For instance, Apple’s customer support is always prompt in its reply. While it does not fully resolve the issue immediately, the response time is less than a minute which is a breather for any users stuck with an issue. The response contains either some general steps to resolve the issue or a quick message to DM them the issue using the send us a private message CTA included in the response. [Tweet

What I love about this social handle is that every response (although these are automated) has customization. For example, the user complains about iMessage, so the response includes the ‘iMessage’ term to give it a personal touch. 

Pro-tip to reduce wait time: The best way to reduce wait time is by automating tas tagging for incoming support tickets

You can train your customer support team to use sentiment analysis to tag incoming tickets and automatically put negative tickets at the top of the queue. 

Simultaneously, you can create rules to automatically get negative tickets assigned to the most experienced representative to guarantee the best attention. 

3. Define Neutral and Emojis for accurate analysis

Defining positive and negative is easier than defining neutral. It is hard to train your machine-learning model to detect neutral tags. 

How you perceive neutral plays an important role in training your sentiment analysis model. Each tagging data will require tagging criteria so that a good definition can go a long way. Here’s how you can do this: 

  1. Classify all objective texts as neutral, especially those that do not have explicit sentiments. 
  2. If your data is still pre-processed, you can tag it neutral since the irrelevant data is yet to be filtered. But do it with caution. Sometimes, it may add more noise and hamper the performance. 
  3. Texts like “I wish it could do XYZ” are usually neutral. However, you may find it harder to categorize wish texts like “I wish xyz did better than abc”. 

Next comes categorizing emojis. Emojis are of two types: 

  • Western emojis with two characters
  • Easter emojis with longer combinations of characters of vertical nature

Emojis play a pivotal role in determining the sentiment of the texts, especially in tweets. 

In this case, you must be careful of character and word levels when performing sentiment analysis. 

Pro Tip: Consider pre-processing social media content, transforming emojis into tokens, and whitelisting them. 

How to do social sentiment analysis [Use Case: Twitter]

Twitter offers instant gratification, which makes it the most accurate blueprint of user opinion. Monitoring brand mentions and competitor mentions can help in understanding the ‘emotion’ of users, how they feel about a product or a particular feature, and what can trigger them incorrectly. 

Twitter sentiment analysis can be done using programming languages like R and Python. Below are the steps for Twitter data sentiment analysis. 

1. Extract and collect data

To mine data from Twitter, you can use Twitter APIs like Tweepy and TextBlob. Data extraction is the crux of the process because all other steps directly depend on this. 

Ensure that your Twitter data contains the observations you want to analyze. You will find two types of tweets: 

  • Latest tweets under real-time hashtags, keywords, or topics. 
  • Historical tweets posted in the past and their responses in different timelines. 

2. Pre-process sentiment analysis dataset

Tweets are mostly unstructured data and require extensive pre-processing before using them as training data for the sentiment analysis model. Data reduction is one way of preparing data for mining. 

This includes: 

  • Cleaning all the noise from the data
  • Deleting duplicate or meaningless tweets [eg, tweets shorter than three characters]
  • Formatting improvements and concatenation
  • Preparing custom data to perform testing on the model

Clean and good data facilitates precise outcomes, i.e. more accurate predictions.

3. Build an ML model for sentiment analysis

The model building depends on the problem statement, requirements, and use cases. However, it has 5 mandates –

  1. Create the base model type as a Classifier to categorize and define tags
  2. Under the model, create a sentiment analysis project for the classification
  3. Import the pre-processed data as the training dataset for model
  4. Train the model by tagging each tweet as positive, negative, or neutral. After a few manual tagging, the models learn to do the tagging with maximum accuracy. 
  5. Test the model performance and preciseness of predictions. The larger dataset you use, the easier it is for the model to learn the tagging. 

Tip for maximum accuracy: Define tags more explicitly in the training data and crosscheck for false positives and negatives using various test cases. 

4. Analyse the data for sentiment analysis

Integrate Twitter data with the tweet sentiment analysis model. There are pre-built APIs that require tokenization and API calls to complete the integration process. 

Examples: Inference API by Huggice Face, Lexanalytics, Brandwatch, Rosette, Social Mention, and more. 

5. Use data visualization to demonstrate your findings

Data visualization illustrates any sentiment analysis report the best. It is easy to understand, interactive, and dynamic. In addition, they work on business intelligence frameworks and render impeccable data visuals. 

Examples: Power BI, Google Data Studio, Tableau, Klipfolio, etc. 

Closing statement

Social sentiment analysis has proven benefits like – 

  1. Large-scale data sorting
  2. Real-time data analysis
  3. Improved user experience
  4. Detailed competitor analysis

It can be applied to innumerable aspects of your business – be it brand monitoring, product analytics, market research, and customer service. Social sentiment analysis helps brands work fast and work smartly. It works towards listening to users more accurately and making the end-user experience worthwhile. 

Sentiment analysis is already mandated for brands who want to build products or design services catered to humans. It gives a deeper insight into user intent, emotions, and engagements for teams to work more effectively. 

Have you started analyzing your users’ emotions across social channels?

Featured image by Luis Quintero on Pexels

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Designing for Accessibility: Tips and Best Practices

April 13th, 2023 No comments

In today’s digital age, designing for accessibility is more important than ever. With over a billion people living with some form of disability, it’s crucial to ensure that websites and digital products are accessible to everyone. 

Designing for accessibility is not only the right thing to do, it’s also good for business. By creating a website that is accessible to all users, you can reach a wider audience and improve the user experience for everyone. So whether you’re designing a new website or updating an existing one, make sure to prioritize accessibility in your design process.

Some giants, like H&M, PayPal, or Linkedin, are introducing one feature to boost accessibility after another, hoping the strike the AAA score (the highest level of accessibility). And similar to how we follow these brands in terms of design and tendencies, here it’s even wiser to follow their example. So in this article, we’ll explore some tips and best practices for designing for accessibility.

Make your website or digital product keyboard accessible

Not all users can use a mouse, so it’s essential to make sure your website or digital product can be navigated using a keyboard. Keyboard navigation is crucial for users with motor disabilities, and it’s also helpful for users who prefer to navigate uniquely using their keyboard.

Keyboard navigation can be implemented by ensuring that all interactive elements can be accessed via the Tab key. Users should be able to navigate through links, buttons, and form fields using this way. Additionally, check that your website or digital product has clear visual focus indicators to help users understand where they are on the page.

Use proper color contrast

Many users with visual impairments have trouble distinguishing between colors, so the proper color contrast in your design really matters. This means using a combination of colors that are easy to distinguish and have a high level of contrast.

One way to obtain proper color contrast is to use a tool like WebAIM’s Color Contrast Checker. It allows you to check the contrast ratio of two colors and make sure they meet accessibility standards. WCAG 2.1 AA requires a contrast ratio of at least 4.5:1 for normal text and 3:1 for large text.

Use alt tags for images

Images on a website or digital product are often meaningless for users with visual impairments. That’s why it’s important to use alt tags for images, which provide a text description of the image. Screen readers can read the alt tags aloud, allowing users to understand the content.

When writing alt tags, do your best to be descriptive and provide as much detail as possible. Avoid using phrases like “image of” or “picture of,” as these don’t give much information. Instead, describe what’s in the image and what it conveys.

Make your content easy to read

Readable content is essential for all users, but it’s especially important for users with cognitive or learning disabilities. That’s why you are recommended to use a font that is easy to read, with a large enough size and appropriate line spacing. Additionally, avoid using long paragraphs and use headings and bullet points to break up the content.

The font you choose should be easy to read and not too stylized. Sans serif fonts like Arial and Verdana are a good choice, as they are clean and easy to read. Avoid using decorative fonts, as they can be hard to read, especially for users with dyslexia.

Headings and bullet points are a great way to structurize your content and make it more scannable. Make the headings clear and descriptive so they help users understand the structure of the content. Also, ensure the bullet points present information clearly and concisely.

Ensure your website is compatible with assistive technology

Many users with disabilities rely on assistive technology, e.g., screen readers or speech recognition software, to navigate websites and digital services. 

The easiest way to ensure compatibility with assistive technology is by using semantic HTML. Semantic HTML uses tags to convey the meaning of the content, making it easier for screen readers to understand. 

We’ve talked with The Designest team, who runs a blog for the professional design community, and asked what they find crucial for website accessibility. Here are some tips and best practices they suggest:

  1. Provide alternative text for images. Screen readers and other assistive technologies rely on alt text to describe images to users who cannot see them. Make sure to provide alt text for all images on your website.
  2. Use clear and concise language. Let it be plain and avoid jargon or complex sentences/words that may be difficult for some users to understand.
  3. Ensure that all interactive elements, like buttons and links, are keyboard-accessible. Users should be able to navigate and interact with your website using only their keyboard. 
  4. Provide clear and consistent navigation. That’s how the users can easily find what they are searching for. 
  5. Use color with care. It’s important to ensure it remains accessible to users with difficulty perceiving certain hues. Use a high-contrast color scheme and avoid relying solely on color to convey information.
  6. Test your website with assistive technologies. 

In addition to the recommendations above, designers can do several other things to make their websites and digital products more accessible.

Use of multimedia

Videos and audio content can be particularly challenging for users with hearing impairments. To make multimedia content more accessible, consider adding closed captioning and transcripts for videos and audio content. Closed captioning provides a text version of the audio content, while transcripts provide a written version. 

Web forms on websites

Web forms can be particularly challenging for users with visual impairments, motor disabilities, and cognitive or learning disabilities. To make them more accessible, ensure they are easy to navigate using a keyboard and provide clear and concise instructions for each field. Additionally, you might consider using labels and placeholders to provide context for each field.

Featured image by Elizabeth Woolner on Unsplash

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How Multi-Factor Authentication Can Benefit Your Business and Your Customers

April 13th, 2023 No comments

The internet is vast, full of potential …and dangerous. As the world becomes more dependent on digital activity, hacks and breaches are becoming more common.

Even elite cybersecurity firms aren’t immune to the risks. In 2022, the popular password manager LastPass reported that cybercriminals had broken into its password vaults and stolen encrypted data, leaving customers unsettled and worried.

As 2023 gains momentum, business owners must be on guard to protect both themselves and their clientele from this growing threat. One of the best ways they can do so is through multi-factor authentication.

What Is Multi-Factor Authentication?

The LastPass data breach serves as a reminder that the digital world is always evolving — and business leaders and customers alike must evolve with it if they want to stay secure. Multifactor Authentication (MFA) offers an effective way to complicate the hacking process by using more than one level of security depending on the situation.

For instance, the data security experts at Okta explain that MFA “blends at least two separate factors.” The identity provider details that one of these factors is usually a username and password — but that on its own is no longer enough.

MFA adds an additional level of security. This could be a physical possession, like a phone or keycard. It could also be a physical location based on GPS. In situations where more safety is desired, it could also include a personal identifier like a fingerprint or iris scan.

Multi-factor authentication can feel like a hassle on the surface. However, in many cases, it can actually have a positive impact on the speed of logging in. In fact, the simple act of adding another step to the login process can provide a slew of other worthwhile benefits to businesses and customers alike.

The Benefits of MFA in Business Transactions

MFA takes some time to implement — but that is true with any defense system. Even Medieval castles expanded the building time of a home to as much as a decade, all in the name of creating an elite defense system for something that had value.

If you’re hesitating over whether MFA is worth it, here are a few of the major benefits to consider for both you and your business.

MFA Provides Peace of Mind

One of the most obvious benefits of multi-factor authentication is that it provides peace of mind. 

Businesses are in a constant race to take advantage of technological solutions to give them an edge over the competition. The ability to aggressively invest in digital software and applications without worrying about compromising on security is worth its metaphorical weight in gold.

MFA Means Less Long-Term Clean-Up Work

According to research reported by the University of North Georgia, 43% of cyber attacks target small businesses. The odds of facing a web-based attack, a phishing scam, or another attempt to hack your system are serious and significant.

Proactively establishing better security for your business means you’re putting a little work in early. However, once MFA is in place, you’re also avoiding the need to spend a significant amount of time, energy, and resources later on when a likely attack would have taken place.

MFA Is an Adaptable Security Solution

The world was already shifting to a decentralized office before the pandemic exponentially sped up the evolution of the workplace. In the wake of the crisis, offices are shifting to a combination of in-person, hybrid, and fully remote workplace settings. Sometimes all three of these are present within a single workforce.

With so much in flux (and many workers trying to access company software remotely), the complexity of security is changing. MFA is a strong and adaptable solution that can meet the security needs of this new workforce.

MFA Is User-Friendly

No one likes memorizing passwords (or resetting them when they forget). With that in mind, the thought of creating an even more complex cybersecurity network can sound daunting — but it isn’t.

In fact, MFA removes much of the need for passwords. Instead, things like physical locations and facial recognition can serve in their place. This makes it easier to create strong authentication processes that are still user-friendly (for employees and customers alike).

MFA Enhances Customer Trust

From peace of mind to adaptability, MFA has many direct and applicable advantages for a business. In addition, its user-friendly nature is a boon to both employees and customers.

Another area where customers come out on top is the trust and loyalty that MFA can create. When a customer knows that a business is going above and beyond to create a safe environment for them, it can help them feel safe and secure as they interact with you. 

As far as your business is concerned, fostering customer trust translates to things like loyalty, repeat business, and word-of-mouth advertising — all of which positively impact revenue.

MFA Is the Future of Cybersecurity

Individual complex and nuanced security solutions are useful for a while. Eventually, though, cybercriminals figure things out.

MFA deploys an organic, impossible-to-overcome complexity to the security process: layers. By complicating a username and password with additional biometric, geographic, and possession-based factors, it naturally creates a level of security that can let business owners, employees, and customers alike operate in peace, no matter what ups and downs the digital future may hold.

Featured Image by Markus Spiske on Unsplash

The post How Multi-Factor Authentication Can Benefit Your Business and Your Customers appeared first on noupe.

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Passkeys: What the Heck and Why?

April 12th, 2023 No comments

These things called passkeys sure are making the rounds these days. They were a main attraction at W3C TPAC 2022, gained support in Safari 16, are finding their way into macOS and iOS, and are slated to be the future for password managers like 1Password. They are already supported in Android, and will soon find their way into Chrome OS and Windows in future releases.

Geeky OS security enhancements don’t exactly make big headlines in the front-end community, but it stands to reason that passkeys are going to be a “thing”. And considering how passwords and password apps affect the user experience of things like authentication and form processing, we might want to at least wrap our minds around them, so we know what’s coming.

That’s the point of this article. I’ve been studying and experimenting with passkeys — and the WebAuthn API they are built on top of — for some time now. Let me share what I’ve learned.

Table of contents

Terminology

Here’s the obligatory section of the terminology you’re going to want to know as we dig in. Like most tech, passkeys are wrought with esoteric verbiage and acronyms that are often roadblocks to understanding. I’ll try to de-mystify several for you here.

  • Relying Party: the server you will be authenticating against. We’ll use “server” to imply the Relying Party in this article.
  • Client: in our case, the web browser or operating system.
  • Authenticator: Software and/or hardware devices that allow generation and storage for public key pairs.
  • FIDO: An open standards body that also creates specifications around FIDO credentials.
  • WebAuthn: The underlying protocol for passkeys, Also known as a FIDO2 credential or single-device FIDO credentials.
  • Passkeys: WebAuthn, but with cloud syncing (also called multi-device FIDO credentials, discoverable credentials, or resident credentials).
  • Public Key Cryptography: A generated key pair that includes a private and public key. Depending on the algorithm, it should either be used for signing and verification or encrypting and decrypting. This is also known as asymmetric cryptography.
  • RSA: An acronym of the creators’ names, Rivest Shamir and Adel. RSA is an older, but still useful, family of public key cryptography based on factoring primes.
  • Elliptic Curve Cryptography (ECC): A newer family of cryptography based on elliptic curves.
  • ES256: An elliptic curve public key that uses an ECDSA signing algorithm (PDF) with SHA256 for hashing.
  • RS256: Like ES256, but it uses RSA with RSASSA-PKCS1-v1.5 and SHA256.

What are passkeys?

Before we can talk specifically about passkeys, we need to talk about another protocol called WebAuthn (also known as FIDO2). Passkeys are a specification that is built on top of WebAuthn. WebAuthn allows for public key cryptography to replace passwords. We use some sort of security device, such as a hardware key or Trusted Platform Module (TPM), to create private and public keys.

The public key is for anyone to use. The private key, however, cannot be removed from the device that generated it. This was one of the issues with WebAuthn; if you lose the device, you lose access.

Passkeys solves this by providing a cloud sync of your credentials. In other words, what you generate on your computer can now also be used on your phone (though confusingly, there are single-device credentials too).

Currently, at the time of writing, only iOS, macOS, and Android provide full support for cloud-synced passkeys, and even then, they are limited by the browser being used. Google and Apple provide an interface for syncing via their Google Password Manager and Apple iCloud Keychain services, respectively.

How do passkeys replace passwords?

In public key cryptography, you can perform what is known as signing. Signing takes a piece of data and then runs it through a signing algorithm with the private key, where it can then be verified with the public key.

Anyone can generate a public key pair, and it’s not attributable to any person since any person could have generated it in the first place. What makes it useful is that only data signed with the private key can be verified with the public key. That’s the portion that replaces a password — a server stores the public key, and we sign in by verifying that we have the other half (e.g. private key), by signing a random challenge.

As an added benefit, since we’re storing the user’s public keys within a database, there is no longer concern with password breaches affecting millions of users. This reduces phishing, breaches, and a slew of other security issues that our password-dependent world currently faces. If a database is breached, all that’s stored in the user’s public keys, making it virtually useless to an attacker.

No more forgotten emails and their associated passwords, either! The browser will remember which credentials you used for which website — all you need to do is make a couple of clicks, and you’re logged in. You can provide a secondary means of verification to use the passkey, such as biometrics or a pin, but those are still much faster than the passwords of yesteryear.

More about cryptography

Public key cryptography involves having a private and a public key (known as a key pair). The keys are generated together and have separate uses. For example, the private key is intended to be kept secret, and the public key is intended for whomever you want to exchange messages with.

When it comes to encrypting and decrypting a message, the recipient’s public key is used to encrypt a message so that only the recipient’s private key can decrypt the message. In security parlance, this is known as “providing confidentiality”. However, this doesn’t provide proof that the sender is who they say they are, as anyone can potentially use a public key to send someone an encrypted message.

There are cases where we need to verify that a message did indeed come from its sender. In these cases, we use signing and signature verification to ensure that the sender is who they say they are (also known as authenticity). In public key (also called asymmetric) cryptography, this is generally done by signing the hash of a message, so that only the public key can correctly verify it. The hash and the sender’s private key produce a signature after running it through an algorithm, and then anyone can verify the message came from the sender with the sender’s public key.

How do we access passkeys?

To access passkeys, we first need to generate and store them somewhere. Some of this functionality can be provided with an authenticator. An authenticator is any hardware or software-backed device that provides the ability for cryptographic key generation. Think of those one-time passwords you get from Google Authenticator1Password, or LastPass, among others.

For example, a software authenticator can use the Trusted Platform Module (TPM) or secure enclave of a device to create credentials. The credentials can be then stored remotely and synced across devices e.g. passkeys. A hardware authenticator would be something like a YubiKey, which can generate and store keys on the device itself.

To access the authenticator, the browser needs to have access to hardware, and for that, we need an interface. The interface we use here is the Client to Authenticator Protocol (CTAP). It allows access to different authenticators over different mechanisms. For example, we can access an authenticator over NFC, USB, and Bluetooth by utilizing CTAP.

One of the more interesting ways to use passkeys is by connecting your phone over Bluetooth to another device that might not support passkeys. When the devices are paired over Bluetooth, I can log into the browser on my computer using my phone as an intermediary!

The difference between passkeys and WebAuthn

Passkeys and WebAuthn keys differ in several ways. First, passkeys are considered multi-device credentials and can be synced across devices. By contrast, WebAuthn keys are single-device credentials — a fancy way of saying you’re bound to one device for verification.

Second, to authenticate to a server, WebAuthn keys need to provide the user handle for login, after which an allowCredentials list is returned to the client from the server, which informs what credentials can be used to log in. Passkeys skip this step and use the server’s domain name to show which keys are already bound to that site. You’re able to select the passkey that is associated with that server, as it’s already known by your system.

Otherwise, the keys are cryptographically the same; they only differ in how they’re stored and what information they use to start the login process.

The process… in a nutshell

The process for generating a WebAuthn or a passkey is very similar: get a challenge from the server and then use the navigator.credentials.create web API to generate a public key pair. Then, send the challenge and the public key back to the server to be stored.

Upon receiving the public key and challenge, the server validates the challenge and the session from which it was created. If that checks out, the public key is stored, as well as any other relevant information like the user identifier or attestation data, in the database.

The user has one more step — retrieve another challenge from the server and use the navigator.credentials.get API to sign the challenge. We send back the signed challenge to the server, and the server verifies the challenge, then logs us in if the signature passes.

There is, of course, quite a bit more to each step. But that is generally how we’d log into a website using WebAuthn or passkeys.

The meat and potatoes

Passkeys are used in two distinct phases: the attestation and assertion phases.

The attestation phase can also be thought of as the registration phase. You’d sign up with an email and password for a new website, however, in this case, we’d be using our passkey.

The assertion phase is similar to how you’d log in to a website after signing up.

Attestation

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The navigator.credentials.create API is the focus of our attestation phase. We’re registered as a new user in the system and need to generate a new public key pair. However, we need to specify what kind of key pair we want to generate. That means we need to provide options to navigator.credentials.create.

// The `challenge` is random and has to come from the server
const publicKey: PublicKeyCredentialCreationOptions = {
  challenge: safeEncode(challenge),
  rp: {
    id: window.location.host,
    name: document.title,
  },
  user: {
    id: new TextEncoder().encode(crypto.randomUUID()), // Why not make it random?
    name: 'Your username',
    displayName: 'Display name in browser',
  },
  pubKeyCredParams: [
    {
      type: 'public-key',
      alg: -7, // ES256
    },
    {
      type: 'public-key',
      alg: -256, // RS256
    },
  ],
  authenticatorSelection: {
    userVerification: 'preferred', // Do you want to use biometrics or a pin?
    residentKey: 'required', // Create a resident key e.g. passkey
  },
  attestation: 'indirect', // indirect, direct, or none
  timeout: 60_000,
};
const pubKeyCredential: PublicKeyCredential = await navigator.credentials.create({
  publicKey
});
const {
  id // the key id a.k.a. kid
} = pubKeyCredential;
const pubKey = pubKeyCredential.response.getPublicKey();
const { clientDataJSON, attestationObject } = pubKeyCredential.response;
const { type, challenge, origin } = JSON.parse(new TextDecoder().decode(clientDataJSON));
// Send data off to the server for registration

We’ll get PublicKeyCredential which contains an AuthenticatorAttestationResponse that comes back after creation. The credential has the generated key pair’s ID.

The response provides a couple of bits of useful information. First, we have our public key in this response, and we need to send that to the server to be stored. Second, we also get back the clientDataJSON property which we can decode, and from there, get back the typechallenge, and origin of the passkey.

For attestation, we want to validate the typechallenge, and origin on the server, as well as store the public key with its identifier, e.g. kid. We can also optionally store the attestationObject if we wish. Another useful property to store is the COSE algorithm, which is defined above in our  PublicKeyCredentialCreationOptions with alg: -7 or alg: -256, in order to easily verify any signed challenges in the assertion phase.

Assertion

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The navigator.credentials.get API will be the focus of the assertion phase. Conceptually, this would be where the user logs in to the web application after signing up.

// The `challenge` is random and has to come from the server
const publicKey: PublicKeyCredentialRequestOptions = {
  challenge: new TextEncoder().encode(challenge),
  rpId: window.location.host,
  timeout: 60_000,
};
const publicKeyCredential: PublicKeyCredential = await navigator.credentials.get({
  publicKey,
  mediation: 'optional',
});
const {
  id // the key id, aka kid
} = pubKeyCredential;
const { clientDataJSON, attestationObject, signature, userHandle } = pubKeyCredential.response;
const { type, challenge, origin } = JSON.parse(new TextDecoder().decode(clientDataJSON));
// Send data off to the server for verification

We’ll again get a PublicKeyCredential with an AuthenticatorAssertionResponse this time. The credential again includes the key identifier.

We also get the typechallenge, and origin from the clientDataJSON again. The signature is now included in the response, as well as the authenticatorData. We’ll need those and the clientDataJSON to verify that this was signed with the private key.

The authenticatorData includes some properties that are worth tracking First is the SHA256 hash of the origin you’re using, located within the first 32 bytes, which is useful for verifying that request comes from the same origin server. Second is the signCount, which is from byte 33 to 37. This is generated from the authenticator and should be compared to its previous value to ensure that nothing fishy is going on with the key. The value should always 0 when it’s a multi-device passkey and should be randomly larger than the previous signCount when it’s a single-device passkey.

Once you’ve asserted your login, you should be logged in — congratulations! Passkeys is a pretty great protocol, but it does come with some caveats.

Some downsides

There’s a lot of upside to Passkeys, however, there are some issues with it at the time of this writing. For one thing, passkeys is somewhat still early support-wise, with only single-device credentials allowed on Windows and very little support for Linux systems. Passkeys.dev provides a nice table that’s sort of like the Caniuse of this protocol.

Also, Google’s and Apple’s passkeys platforms do not communicate with each other. If you want to get your credentials from your Android phone over to your iPhone… well, you’re out of luck for now. That’s not to say there is no interoperability! You can log in to your computer by using your phone as an authenticator. But it would be much cleaner just to have it built into the operating system and synced without it being locked at the vendor level.

Where are things going?

What does the passkeys protocol of the future look like? It looks pretty good! Once it gains support from more operating systems, there should be an uptake in usage, and you’ll start seeing it used more and more in the wild. Some password managers are even going to support them first-hand.

Passkeys are by no means only supported on the web. Android and iOS will both support native passkeys as first-class citizens. We’re still in the early days of all this, but expect to see it mentioned more and more.

After all, we eliminate the need for passwords, and by doing so, make the world safer for it!

Resources

Here are some more resources if you want to learn more about Passkeys. There’s also a repository and demo I put together for this article.


Passkeys: What the Heck and Why? originally published on CSS-Tricks, which is part of the DigitalOcean family. You should get the newsletter.

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