Businesses that run an ecommerce facility to allow customers to purchase from them online might need to update their website design in Kingston after the European Union (EU) introduced a new verification step.
The Payment Services Directive (PSD2) has been set up to provide better protection for those conducting payments above €30 (£26.60) online.
The reason behind the new Strong Customer Authentication (SCA) requirement in Europe is to make buying things on the internet more secure, and to reduce incidences of fraud.
Users might have noticed they now need to put in an additional authentication before they check out, so that at least two forms of verification have been inputted. These include a password or PIN; the confirmation of a secondary device, such as a phone; and fingerprint or face recognition.
Strong Customer Authentication is required when online payments are initiated by the customer and both the business and the cardholder’s banks are located within the European Economic Area (EEA).
Therefore, SCA will be required for most card payments and all bank transfers, with users most commonly needing to access a one-time passcode through their mobile phones.
However, an article in the Telegraph reports that this could negatively impact some customers: “This has left those without a mobile phone or who live in areas with poor signal struggling to make purchases online.”
Some people also believe that while the process keeps customers’ information and purchases more secure, it is another hurdle for them when it comes to online shopping.
Co-founder of PayKickstart Mark Thompson wrote in The Next Web: “What’s just one extra step for the consumer – a click to accept cookies, receive marketing emails, or confirm a transaction – that’s another obstacle for the seller to closing a sale or getting the lead. This can significantly impact the business’ conversion rates and revenue.”
While the new regulations came in force on September 14th, the Financial Conduct Authority (FCA) agreed a plan to implement SCA over the course of 18 months. This will allow those in the ecommerce industry – such as card issuers, payments firms and online retailers – time to update their processes to fall in line with the new rules.
Businesses will not be penalised if they do not meet the SCA requirements straight away, so long as they can prove they are making changes to comply with the rules by the time the deadline arrives. This includes undertaking required testing to ensure SCA applies adequately and without disruption to the customer.
Jonathon Davidson, executive director for supervision – retail and authorisations at the FCA, said: “While these measures will reduce fraud, we want to make sure that they won’t cause material disruption to consumers themselves; so we have agreed a phased plan for their timely introduction.”
With just a month to go before Britain leaves the EU, it is uncertain whether organisations in the UK will have to comply with this specific legislation. SCA could form part of the Brexit agreement terms, or it could be something the country decides to implement independently.
If you run an ecommerce site there are many factors that can affect how many sales you get and whether people leave part-way through the buying process.
Cart abandonment is a common problem and one that happens to around half of all ecommerce carts. That means 50 per cent of potential transactions fail at the final hurdle, a recent article for 365 Retail revealed.
The website spoke to the experts at Kerridge Commercial Systems to get some ideas about how you can reduce the rate of cart abandonment on your website. Just imagine how much better your business would perform if you could reduce the number of people who leave before hitting that all important ‘order’ button by half.
One of the first things to focus on is your security, particularly when it comes to payment methods. Make sure your security credentials are highly visible. The news provider noted that research by Experian found 27 per cent of customers had abandoned a purchase because of a lack of visible security.
Another thing to consider is saving the items in a customer’s basket for up to 48 hours. People may be browsing but waiting for payday to actually make a purchase, for instance. By saving their basket, you’re making it easier for them to complete the transaction at a later date.
In July, we reported on research that predicts over half of all retail sales will come through ecommerce by 2028, so that’s just another reason to get your online house in order.
If you need help with your web design in Surrey, get in touch with us today to find out more about our services.
When you’re setting up a new business, one of the hardest parts can be defining your branding. It’s not always easy to pin down exactly what your brand should be, and it can be easy to get sidetracked and lose sight of the purpose of your business in the process.
In an article for Forbes recently, Dave McIndoe, founder and president of Netwave Interactive Marketing, offered some advice about how to successfully brand a business.
The first thing he pointed out is that a brand should never be about you. “Remember you’re not creating a brand for your own entertainment or ego. You’re doing it for your customers, staff, company, culture and, ultimately, your business growth,” he asserted.
Focusing on your customers will really help your branding efforts. Mr McIndoe recommends using buyer personas to help you understand who your audience are and what will appeal to them.
This includes giving your brand its own voice. Think about how it would sound and come across if it were a person. Remember that your tone of voice needs to create an emotional connection with your customers. Making it sound like them will help you do that.
Don’t only view branding as an exercise in promoting your business externally though. It’s also a way to help motivate your staff and create a positive company culture. Using branding effectively internally will mean customers receive a better service because your staff have bought into your brand.
Earlier this year we picked out some of the top branding trends for startups to keep an eye on. They included making brands more personable and showing your customers how you measure up to their moral standards.
If you need some help with your branding and online presence, work with web designers in Surrey to make sure you approach your branding efforts from the right perspective.
When in talks with your Kingston website designers about where you want to take your site in the future, make sure you mention accessibility so you know that all your potential customers are able to find out exactly what it is you do and what you have to offer.
The internet has been designed with accessibility in mind, no matter their range of hearing, sight, movement and so on, but when websites and pages are badly designed, barriers can be created that exclude some people.
Accessibility should be a top priority for any business looking to create a high quality site that is as inclusive as it possibly could be. This includes those with disabilities, as well as older people, those in developing countries and anyone living in rural areas.
And don’t forget that making this a focus will help with other best practices for business when it comes to web design, from mobile to usability, search engine optimisation, device independence and so on.
In September last year, new regulations were brought in for public sector organisations, stating that websites or mobile apps have to be more accessible and that they must be “perceivable, operable, understandable and robust”.
Public sector bodies include central and local government organisations, as well as some charities and other non-government organisations. Even if you’re not in the public sector and covered by this legislation, it could certainly yield positive results if you do prioritise accessibility in the future.
Get in touch with the Tiger Pink team today to see how we can help you achieve this goal.
By now, most businesses understand that they need to think about search engine optimisation (SEO) when it comes to their web presence. There are a number of things to do and techniques to employ help improve your website’s standing in search engine rankings.
Search Engine Journal recently highlighted how to use web design to support SEO and make websites more appealing to consumers or users.
The news provider also explained that search engine marketing is incredibly competitive, and that big businesses spend considerable sums developing their SEO strategy and hiring senior search engine marketers who not only have technical SEO knowledge but also an understanding of why usability is important.
The most effective way to approach web design is to take a holistic approach that encompasses web design, marketing and SEO.
To start doing this, you need to look at the data behind your site and try to understand the stories that this data tells.
Questions you should be asking include why does one page perform better than another? Who comes to the website? What brought them there? Why was there a spike in referral traffic? Can this be replicated?
Businesses should use this data to find out more about their customers and should look for any data that could challenge their assumptions about who their customers or users are.
The information you glean from this data can help you identify where you should adjust your web design. In many cases, there will be numerous subtle improvements that can be made to particular web pages that could improve conversions.
The news provider also noted that websites can’t be successful if they’re badly designed. But what’s required from an SEO perspective is constantly evolving as new technology is introduced. At the moment, the focus is on visual and voice activated search, for instance.
When it comes to web design, it’s essential to consider usability, crawlability, readability, accessibility and findability. Among the top things to avoid, according to the news provider, are the likes of mega menus, infinite scroll, oversized images at the top of the page and not including the alt text option for image uploads.
The navigation and overall site structure is crucial for improving the customer experience on your site. Customer Think recently pointed out that consumers want to see menus that are simple and easy to understand.
It takes less than ten seconds for someone to lose interest in your site’s design, which means you need to give them every reason to stay. The layout needs to be simple and intuitive.
Branding your web design is also essential to create a connection between your business and consumers. The aim should be to generate emotion between consumers and your brand.
“One simple, but profoundly powerful, way to do that is to brand your web design all the way from the logo, every image you post, to consistent font and colour usage throughout the site,” the news provider stated.
If you need some help with website design in Surrey, get in touch with us today to find out about our expertise and how we can be of assistance.
More than half of all retail sales are expected to come from ecommerce in less than ten years.
That’s the finding of research commissioned by law firm Womble Bond Dickinson. The Digital Tipping Point report predicted that, by 2028, 53 per cent of retail sales will come from ecommerce, Internet Retailing reported.
Perhaps unsurprisingly, the data found that young shoppers are much more likely to make purchases online than their older counterparts.
Almost two-thirds of those who are part of Generation Z – defined as anyone aged 16 to 24 – shop online at least once a fortnight. This compares to just 29 per cent of those aged over 65 who said they did the same.
One of the biggest limitations for ecommerce appears to be the cost of delivery, with 47 per cent of those surveyed saying that they’d shop online more often if delivery was cheaper. Making delivery faster and returns easier were other things highlighted to get more consumers onboard.
If more shoppers are going to be heading to websites to make their purchases, you need to ensure that your site stands out and helps consumers have a seamless shopping experience.
Business.com recently offered some advice on how to improve conversions on your ecommerce site. They included keeping the design of your website simple, making sure you use high-quality images and videos, and being upfront with your pricing.
If your ecommerce website could benefit from an overhaul, or you simply want some advice on what you could be doing better, work with web designers in Surrey to make the necessary changes and streamline the online shopping experience for your customers.