The Best Grocery Shopping Apps In 2019

There has never been a more exciting time to build a mobile app. From grocery apps to taxi aggregator apps to hotel bookings apps, people have found a great deal of value in these apps.

Apps have become so ubiquitous it’s pretty much impossible to find someone whose smartphone doesn’t have at least a few apps that they use on a regular – or even daily – basis.

And the best part is that the marketers, with the help of mobile app development companies, have begun building and offering some fantastic apps. Education, training, fitness, food, schedulers, shopping… you name it, there’s an awesome app for that.

Meet us at Magento Imagine 2019

For different people there are different reasons to attend Imagine 2019, Adobe Magento’s big event. From learning to getting inspired to exploring new possibilities to networking, there’s no shortage of reasons to attend.

And, not surprisingly, the event manages to ensure everyone who’s there will find their objectives have been more than met.

As the super-cool ecommerce conference of the year, hosted a the Wynn Resort, Las Vegas this year, Imagine 2019 will bring together people who shape things and people who aspire, people who have mastered a thing or two and people who are ready to take things to the next level. And we’re going to be there too, happy to shake hands and share and learn stuff that can improve customer experience and make buying and selling something really pleasant!

There’s no denying that Gary Vaynerchuk of VaynerMedia as the Keynote Speaker is a strong reason to be there at the event. But hey, there’s a lot, lot more too!

So what’s up?

Plenty!

But first the fun part! You can begin with the Big Dam Race on 12 May 2019 to tour the Hoover Dam. As the event unfolds into the main programs, you will get to listen to some of the finest speakers talk on subjects they are really, really good at.

Top Magento executives will take up insightful data for Magento Business Intelligence. There will be labs to get hands on with Magento Page Builder. There will be Certification Exams. There will be Breakout Sessions on topics as varied as The Personalization Spectrum, Lessons in Luxury Ecommerce or How Interior Design leveraged logistics.

Looking for something more exclusive? You can explore Invitation Only events Like Rob Long from PayPal and others talking about improving mobile experience or Magento Commerce 2 Migration Strategy.

And most certainly, we’ll all be looking forward to learning about Adobe’s vision on taking Magento forward!

Basically, you will find every single way in which your peers and industry experts are unraveling the customer challenge of the ecommerce age!

Let’s connect!

Of course we’ll be there with our people who swear by Magento! We’d sure love to say hi to you and figure out how we can be of help each other. Like we can help you drastically improve customer engagement and help you build lasting customer relationships in the digital space. What’s it that you can ace?

So if you’re going to be at the event – Let’s fix up a time to meet right away so that we don’t have to juggle our calendars at the last minute! Schedule a meeting right now!

And if we know each other through Twitter or LinkedIn, there’d be one more reason to meet in person too!

We’re sure keen to meet old friends and make new ones!

About Us

Infigic Technologies is a Magento development service provider. With a team of certified and experienced Magento developers. We have successfully launched and executed many Magento eCommerce store. If you are looking for the Magento development company for your Magento store development, we are the right partner for you.

You can also hire Magento developer from Infigic Technologies for your eCommerce store development at a cost effective price.

LOW MAGENTO CONVERSION RATES? 9 QUESTIONS THAT WOULD HELP YOU PROPEL YOUR STORE CONVERSIONS

When it comes to increasing conversions of an online store, big retailers have money and brand recognition. Smaller ecommerce sites have to focus on more down-to-earth tactics.

Here are 9 key questions that would put your store in the right direction :

The Best Pharmacy Apps for 2019

When you can buy almost everything online, there’s no reason why you can’t buy medicines online. The steady growth in the number of apps to purchase medicine online shows how online businesses are adding convenience and comfort in one more area.

10 best practices that ensures your Magento store stands Out from the rest

Online retail today is so competitive that only those businesses who follow ecommerce best practices will survive in the long term.

It is important to note that while pricing will remain an important element in the online retail industry, best practices for ecommerce is much beyond that.

These best practices include factors like user friendly designs and better cart management. But more than that, the way you make your customers feel when they purchase from your website decides the future of your online store.

Thousands of ecommerce stores under Magecart security threat. Is yours too?

Ecommerce stores are under a new, dangerous threat of cyber attacks that can steal personal and payment details of customers. Only quick, expert help can prevent the worse fears from coming true

What’s common between British Airways, Ticketmaster, Vision Direct and Newegg?

They were all affected by Magecart cyberattack.

Ecommerce stores have been attacked worldwide by the malicious attacks targeting information that customers enter in login details and payment forms.

These attacks can easily go on for days without being spotted – at British Airways, the attack remained undetected for fifteen days by which 380,000 customer payment card details had been affected. At Vision Direct, the payment card details of as many as 6,600 customers were found to have been compromised. The personal data of 9,700 people were also compromised, sources add.

Surprisingly, these attacks could have been detected a lot earlier. “Customers have a right to shop across ecommerce stores with complete peace of mind. They would not like to be under a constant threat of their payment or other details being compromised.” says Kaartik Iyer, CEO of Infigic, a firm that provides end to end ecommerce website development solutions and ecommerce security.

“You can’t take security lightly or leave it to random checks. You’ve got to have a time-table behind it and you must stick to it” adds Iyer. Recalling an experience one of their clients had, Iyer says Infigic had built into the system an auto-check every five minutes. That would quickly alert the system in case of an attack and minimize the damage, if any.

What’s more worrying is that the attacks are getting more sophisticated. From a generalised attack of injecting malicious JavaScript code into a website, attackers are building more company-specific attacks. Experienced web security experts, however, can easily protect you from such attacks.

This interview was originally published on Whatech

 

True Fraud, Friendly Fraud, Chargeback Fraud: What’s the Difference? [Guest post]

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If your ecommerce store accepts credit cards, you deal with fraud. It’s an unfortunate reality of being an online merchant. The card-not-present (CNP) fraud loss rate is 38 bps in value according to data from the Federal Reserve Bank of Kansas City. The card-present (CP) fraud rate is just 3 bps in value.

Ecommerce stores see these losses manifest as chargebacks, or customer disputes. Chargebacks are a form of consumer protection from fraudulent activity guaranteed by federal law and credit card companies alike. Whether the fraud is at the hands of a dishonest merchant or an identity thief, consumers can rest assured that they won’t be held liable for those purchases.

Does this mean that only shady merchants and merchants with poor front-end fraud solutions are the only ones who experience charge backs? Absolutely not. To restate what we said in the beginning, if you accept credit cards, you get charge backs. So really, the question becomes why do bad charge backs happen to good merchants?

All Chargebacks Are Not Created Equal

There are three distinct types of fraud that cause chargebacks: friendly fraud, chargeback fraud, and true fraud. More than two-thirds of chargebacks are wrongfully initiated, and won, by cardholders. The misuse of chargeback rights stem from ‘friendly’ fraud or ‘chargeback’ fraud. While legitimate chargebacks, or ‘true’ fraud, represent less than one-third of an ecommerce merchant’s total fraud losses.

Chargeback Misuse: Friendly Fraud and Chargeback Fraud

Chargeback fraud and friendly fraud both indicate a misuse of chargeback rights by a cardholder. However, there’s a significant difference in cardholder motivation and appropriate subsequent actions.

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 Friendly fraud represents a cardholder who unintentionally misuses her chargeback rights. In other words, the cardholder was not malicious in her dispute actions. The cardholder isn’t some scheming criminal, but instead perhaps genuinely confused or even forgetful. To illustrate, here are some examples of friendly fraud:

  • The cardholder didn’t recognize the merchant descriptor used by a online store that differed from their business name, so the transaction was disputed.
  • The cardholder forgot about the purchase and disputed the transaction.
  • A member of the cardholder’s family authorized the transaction.

Chargeback fraud, on the other hand, is the intentional misuse of chargeback rights by a cardholder with the goal of retaining the product or service as well as the transaction value. In cases of chargeback fraud, the cardholder is trying to take advantage of the protections guaranteed to him for personal gain. Instances of chargeback fraud are represented in situations including:

  • The cardholder wants to circumvent a refund or return policy.
  • The cardholder knowingly authorized a family member’s use of the card, then changed her mind about the transaction authorization.
  • The cardholder doesn’t want to pay for the goods or services received.

 It’s up to the merchant to decide how to deal with chargeback fraudsters. After all, this cardholder tried to intentionally commit fraud against your business. It’s not unreasonable to blacklist or ban customers who are also chargeback fraudsters. Oppositely, a friendly fraudster is an opportunity to create a customer for life. As a merchant, opening up the lines of communication can lead to valuable insights about the customer experience. These customers reveal opportunities to improve the store’s product descriptions, merchant descriptors, customer service, and so much more.

Legitimate Chargebacks: True Fraud

The remaining one-third of chargebacks merchants receive are legitimate disputes. In other words, true fraud occurred as the result of compromised payment card information. This sensitive customer data is obtained through data breaches, card skimming, database hacking, identity theft, the list goes on and on, and it’s growing every day.

In instances of true fraud, it’s identified by either the cardholder or the issuer and the transaction is disputed. The card account is immediately closed, while a new account and new card are issued to the cardholder. Merchants must use front-end, pre-transaction fraud solutions like AVS matching, CVV/CVV2, 3D secure tools, device fingerprinting, and transaction scoring to protect themselves from falling victim to true fraud.

How To Tell The Difference

Merchants need to respond to all customer disputes with comprehensive and relevant compelling evidence in order to analyze reason codes against win-loss data and determine the store’s real rates of friendly fraud, true fraud, and chargeback fraud.

Essentially, submitting a chargeback response results in either a merchant win or a merchant loss. A merchant ‘win’ encompasses situations when the issuing bank or card network decide a chargeback was not valid. Invalid chargebacks suggest that the cardholder is either a friendly fraudster or a chargeback fraudster. While a merchant ‘loss’ indicates the chargeback was determined to be legitimate and the cause was true fraud.

It takes a bit more digging to distinguish friendly fraud from chargeback fraud, but it’s necessary based on the gravity of subsequent actions. Merchants should reach out to the customer who initiated the dispute and let them know you’re still committed to ensuring their experience improves. To do so, you want to understand their unique situation. How the cardholder responds will help you decide how to proceed with the relationship. If the cardholder is not responses, defensive, or still insistent on the occurrence of true fraud, they’re likely a chargeback fraudster and should be dealt with as such.

 Finally, do not assume a chargeback to be true fraud just because it’s categorized as fraudulent by the issuing bank or card network. The majority of disputes are submitted by the issuing bank to the card network under descriptions like “Fraudulent Activity” and “No Cardholder Authorization”. However, as you’ll see shortly, this couldn’t be further from the truth.

Why the Difference Matters

By uncovering the root fraud cause of the customer dispute, you’re also enjoying the critical difference between the three types of fraud: revenue lost to true fraud is sunk, while revenue lost to friendly fraud and chargeback fraud is recoverable. And that’s good news—considering true fraud accounts for less than one-third, just 29 percent, of overall fraud losses.

 An astounding 71 percent of fraud losses are the result of chargeback fraud or friendly fraud, according to data from LexisNexis and Chargeback. Which means merchants can recover more than two-thirds of the revenue they’re currently losing to fraud.

Fraud may be a reality for ecommerce, but it doesn’t have to be a revenue-siphoning cost of doing business. Instead, ecommerce stores can take control of fraud through post-transaction fraud and chargeback management and recover revenue.