How To Survive Next Recession 2020-2021? A Complete Guide.

How To Survive Next Recession 2020-2021? A Complete Guide.

Majority of the economists in the United States are saying that the next Recession is coming. Unfortunately, all the signs are pointing towards the looming Recession 2020. We can expect that this time, the Financial Outbreak will be massive and also quoted as the “biggest so far.” If we check with the economists, the main reasons behind the Outbreak are “US-China Trade war” and “Inversion Yield Curve.” So, we can clearly, anticipate how the crisis would be, because marketing during the bankruptcy seems non-sensical.

What is a Recession?

Generally, Recession is Financial Crisis when the GDP growth rate is negative for two consecutive quarters or more.

When there is a contraction in Business Cycle, generally there is a decline in economic activity. Slump usually occurs when there is a drop in spending. Typically, Slump is due to a lot of aspects such as the Financial Crisis, an external trade shock, or outburst of the economic bubble.

During this type of Financial Crisis, like Downturn, marketing agencies are the first ones to get affected. According to

The furthermost reaction from most of the companies, during this Recession period is to cut, cut, cut everything, and the first one in the queue is always Advertising.

How do you know a recession is coming?

The two significant factors that tell about how we can know Crisis is coming, is mentioned below. Read the whole thing to understand better how economist reach to a conclusion regarding Slowdown.

Yield Curve

If you follow all the studies and forums about the Economic Outburst, then you will know that yield curve forecasts about the Trough. Since 1970 it has been seen that the slope in the yield curve becomes negative before every slump. It is called an “inversion” in the yield curve in this the short maturity rates, exceed the high maturity rates that lead to Great Contraction. The below graph showcase the ten to the two-year yield curve

Recession US


Yield Curve is usually, based on ten years treasury note just fell below the rate on the 3-month bond. It is the first time we’re are moving forward with limited data. All the Central Banks over the world are worried about this Great Financial Crisis. You can see the graph below, which showcase the estimated bankruptcy probability.


FED is trying to neglect the Outburn 2020 to maintain full employment. It is of the critical targets that everyone is looking for. The Alerting situations raised by monthly Yield Curve is making FED worry. As most of the banks invest majorly on treasury bonds, it is an alarming situation for Banks.

US Trade War with China

It is a known thing to the whole world, that how big competitors are US and China and behave as the Global Predominants rather than Partners. The raging trade war and currency war are the reflections of what these two countries are doing. However, the long term conflict indicates that the ceasefire will continue, as a result of this economy of both the countries will impact severely with no long term peace.

However, the Fed was sending signals that aim to pull back on the increase rate made in 2018, that include the concerns in the economic outlook that include Trade war with China.

trade war

Mr. Trump has recently blasted the Fed for not reducing interest rates. It is under the belief that the interest deduction will lead to more lending activities and will make the US dollar more competitive with foreign currencies.

According to Nouriel Roubini, a Prof. at NYU Stern School of Business predicts that:

The Global expansion will continue till next year, while the conditions will ripe for the next Global Recession 2020. The Global stimulus packages are coming to an end, inflation is coming, trade disputes will drag the economies by pulling down the interest rates.

For, both the US and China, it is essential that they should make peace and don’t escalate the war to the next level. To a point where there will be an unnatural end to all the supply chains.

When is a recession coming?

Most of the economists and surveys are predicting that by the mid of 2020 Outburst will start it is even predicted that it will have 38% impact on all the sectors, in later 2021 the outburst may have 34% impact. There is already a 2% decline in the manufacturing industry.

Will there be a recession in 2020?

As it is said, “better than you expect and worse than you even hoped.” However, according to the National Association of Business Economics (NABE) latest survey, which is based on 53 professional economic forecasters.

The consensus, clearly showcase that the economy has grown to 2.8% pace in the year 2018 while coming to 2019 the growth with come down to 2.6% pace growth, that will decrease even more in the next year 2020 and become 2.1% pace growth.

However, if we take US Presidential Elections into account, some of the marketers say that it will come before the Presidential Inauguration. During, this time the job growth will continue to be in brisk, with a decrease in average monthly increase, which is 184,000 in 2019 and it will be 139,000 in 2020.

On the other hand, the residential investment in 2020 will see a downfall to 1.3% from 2019 level. All these situations rightfully indicate that yes there will be a recession in 2020.

Only 2% of the 226 respondents will see the US recession this year, compared to 10% survey that showcased in February. There is the panel split to discuss whether the next Recession will hit 2020 or 2021.

Recession in US 2020

recession 2020

The first impact of the US Recession is Job loss. Not just in the US everywhere. During Credit Squeeze, there will provide no cashflow, and firms will be facing an economic crisis; Job loss becomes the primary issue. On February 2010 it was recorded that the US economy is shakier than that of Canada’s. Most of the service industries have reported the dropping in their market price value.

Between 2007 and 2009 there was a massive loss of the job, a total of 2.6 million people lost their jobs, the highest in 6 decades. The number is equal to the amount of the post found in the states such as Wisconsin.

Next US recession

A majority of the economist are saying that the next recession 2020 US will also be a part. However, according to the NABE recent survey, Donald Trump scratched out all the looming Credit Crunch in US news and stated that:

US is well prepared for all the situations. I don’t think we are having recession. we are doing tremendously well. Our Consumers are rich.”

Mr. Trump has recently given a massive tax cut, and he believes that people have saved and already have money.

According to Larry Kudlow, the chief economic advisor of President Trump:

Consumers are working at a very high wage. They are even, spending at a high rate. People are also saving money. So I think the second half, the economy is going to be good in 2019. I sure don’t see a recession.

Recession in India 2020 or मंदी

The Global economic decline in 2007 or मंदी started in December, the impact on India was enormous; the GDP growth slowed down to 9% in 2007-2008. After Wall Street collapsed in September 2008, the Indian GDP decreased to 5.8% and remained the same for the quarter.

In 2008, Indian high foreign exchanges reserve, prevented a lot of chaos, even after the foreign investors withdrew $12 billion from the stock market and foreign credit suddenly vanished.

During the Great Recession, according to the survey of Labour Bureau Ministry of Labour Employment: 500,000 people lost their jobs between 2007 to 2009 from eight primary industry, Information, and Technology, BPO, automobiles, gems, and jewelry, transportation, construction, and mining industry.

recession in India

Source: Govt. of India

Nevertheless, there was a significant decline in the output of Automobiles, commercial vehicles, steel, textile, petrochemicals, constructions, real estates, finance, retail activity, and other sectors. Exports from India fell by 12% in October in Dollar terms.

For India, the Global Economic Crisis is coming, and the increasing trade war will lead to lessening external demand. All this could be heavy on our payment balancing, can damage the foreign financial outflow, and trigger exchange volatility.

Recession in India

According to Prof. Biswajit Dhar of JNU:

Indian exports that shrank down recently, is expected to remain affected as the trade barrier is hardened and their is the ongoing Trade war, all the countries around the world will try to protect their domestic exports.

Keeping trades aside, the oil exports will also be hampered. Given that US oil export from India has increased to 3 fold between November 2018 to May 2019.

The measure took for Indian Recession 2020

In a recent press conference with Indian Finance Minister Nirmala Sitharaman on 23rd Friday 2019, she slew all the safety measures that the Indian Government is taking. Regarding the steps FM Nirmala Sitharaman told

पूरी दुनिया के मुकाबले भारतीय अर्थव्यवस्था बेहतर है। निर्मला ने कहा कि आज अमेरिका और चीन जैसे देशों के मुकाबले भारतीय अर्थव्यवस्था कहीं ज्यादा बेहतर है।

Adding to this, FM Nirmala Sitharaman explained about all the necessary steps; the Indian Government is seeking to overcome the situation.

  • To boost the Auto sector: the govt has lifted the ban on govt bodies from replacing the old vehicles. The govt is asking to “Go and replace your old vehicles.”
  • Rs 100 lakh crore is pumped for infrastructure. A task force has been assigned to expedite this investment, who will fund the money and monitoring every activity. Delayed payments will be on priority. Liquidity flow will be smoothened.
  • The timely refund of GST for the MSME, all the pending refunds have already started and will be completed in 30 days. The future GST refund will be sorted in the next 60 days.

    Source: Govt. of India

  • The papers related Loan closure amount will be given in 15 days of the closure. Banks will improve the One Time loan Settlement (OTS), that will help MSME by implementing the checkbox system.
  • RBI has directed all the banks to release the benefits of the Repo rates to the customers. The primary target of Government is to diminish the interest rates and auto rates.
  • For the Banking sector, FM announced that:

“Government is releasing 70,000 crores, with additional lending of Rs 5 lakh by providing upfront capital to PSB” This will help strengthen MSME, retail borrowers, and traders.

Recession Measures

  • Government removes Angel Tax on Startups.
  • Encouraging investment in Capital Market, it is even decided to withdraw the enhanced surcharge levied by the Finance No. 2 Act 2019. The pre-budget position is restored.
  • Violation of CSR will no more be treated as a criminal offense and instead will remain as a liability. After 1st October 2019, income tax orders, tax, the summons will be issued through the centralized desktops.

This clearly, showcases that India has already taken all the significant steps to overcome Downturn or मंदी.

Recession in Europe 2020

Europe has more than 75% chances to fall in the upcoming Credit Crunch according to the lead economists. The Stock Markets in Europe extended their losing streak. The oil prices have fallen 3%, and the mounting Stagnation continues to hit the investors confidence.

In the last six months, the top 100 firms in Britain have dropped more than 1%. On the other hand, the stock market in continental Europe has dipped in response to the investors who are thinking to raise funds.

recession in europe

FTSE 100 ended this Thursday, and it dipped by 1.1%, at 7,067 lowest level since February. On the other hand, German Dax fell by 0.7%, and French 40 backed down by 0.3% dragging the European market to six months low. Later, in the coming days, it is evident that Europe will be facing a Huge Stagnation.

No-deal Brexit UK

There is an increased risk of no-deal Brexit in the UK, as it is clearly visible that the no-deal Brexit will push the UK into bankruptcy. According to Boris Johnson of NIESR (National Institute of Economic and Social Research)

There is one in four chances that the country is already in recession, growth has also been stalled for in the recent months, business investments have flatered and pounds has fallen sharply.

The economist believes that the UK economy has diminished in the last three months, making the first negative quarter in the first seven years. As a consequence of factory closure planned for potential disruption around 29 March the Original Brexit deadline.

next recession

The European Central Bank has cut down the interest rates further as a negative territory next month. Most of the major Central Banks that includes the Eurozone’s are free of politics have not engaged in outright manipulation.

All, these situations indicated, Europe will face a Great Economic Downturn, majorly affecting Germany, UK, Italy, Portugal.

How long do recessions last?

There is no specific period for the Credit Squeeze, if we check the records than the Last Great Contraction was on December 2007 to June 2009, one year six months, 5.1% decline in the GDP.

Recession 2020 is due from 4.5 years if we take in to account the United States business cycles, the average length of the growth economy is 38.7 months or 3.2 years. On an ordinary Credit Crunch lasts for 17.5 months or 1.5 years while the full business cycle on an average is 4.7 years.

The Longest Financial Crisis or the Contraction occurred in 1929, known to be the Great Economic Contraction in the United States that lasted for 43 months or 3.6 years. While the second slowdown is known as the “Great Recession” that we all experienced in 2007 lasted for 18 months or 1.5 years.

How lousy will recession 2020 be?

The three things to keep in mind which all are true: Most certainly the USA will not undergo Trough right now. Yes, the US may avoid one of the disastrous foreseeable future. But, the chances of the US to fall in this Trough is increasing every week.

Long term interest rates have plunged since the end of July- there is a shift which historically predicts that the lower interest rates are cut down from the Federal Reserve. It showcases an increased risk factor in the economy into outright contraction.

However, a lot of Financial marketers have been saying that there will be no Credit Crunch for the US in 2020. On the contrary, there are plenty of proves which directly indicate about the near Financial crisis.

Here comes the most important one, due to President Trump’s, On-Off execution with China leading to Trade war with this other countries have fed uncertainty with business decision making. On the other hand, the corporate investment is lessening, even though tax cut by Mr. Trump will boost the investment.

According to an economist Tara Sinclair, of George Washington University

Recession 2020 is a self-inflicted wound type, but how deep the cut will depend on many other categories of the economy thereafter on the policy response.

Now the economy in China and the other neighboring Asian Countries are getting weaker, which is giving rise to the Trade war with the United States. While the Europeans who are already in large ongoing debts will surely fall in Credit Crunch. Incase, Britain crashes out of the European Union with no current exit deals until October 31st, Europe will face even more profound challenges.

According to the survey of the Institute of Supply Management (ISM), in the United States, the growth rate has slowed down for a consecutive month, and July has the weakest reading. All these factors indicate us how bad the Recession 2020 would be.

What happens during a recession?

Effects of Recession are a lot; all of them related to the Financial Crisis, in this period, there is always as tremendous negative economic growth. You can see all the Financial similar thing to be falling apart. We listed out some of the significant changes that take place during this period, check it out:


During the Financial Crisis, the firms produce very less, and therefore, they require very fewer employees. Nevertheless, some of the firms even go out of business during this period, causing the workers to lose their jobs.


If we take 2007-2009 trough into account, a lot of people lost their jobs who belonged to banking or finance sector. Simultaneously when the demand for the Cars fell, the workers were laid off.

Saving Ratio Increases

During the Financial Crisis, people become careful and tend to save money as the market falls. If people have a fear of losing their jobs, then usually people don’t want to spend or lose the money they have and instead start saving more money.

UK recession

If we consider the previous surveys, it is clear that during the Great Economic Contraction, there was a Paradox of Thrift- as people tend to save more and reduce consumption. This makes the Downturn even worse as it reduces the consumption rate. Individually, everyone is doing the right thing by keeping, but as everyone targets on saving, then on a total consumer spending decreases.

Fallen Interest Rates

In Stagnation, interest usually falls. This is all because inflation is lower and the Central Bank tries to stimulate the economy. Lower Interest rates, help the economy from striking the Stagnation.

Lower Interest rates usually decrease the cost of borrowing and encourage investing and consumer spending.

Fallen House Price

US recession

Usually, the House Price falls before Stagnation strikes, and this is one of the critical cause of Recession. During this time, unemployment increases, people don’t want to invest in housing as they can’t afford mortgages, so home repressions become common. This leads to an increase in housing availability and decreased demand for it. This is one of the primary reason for the 2009 Recession.

How can different Agency survive in a Recession?

The best and the safest way is to diversify your clients. In this way, your work will not be just entirely dependent on one client from one region. If you have client contraction problem, it is better to plan to grab more clients.

Surviving in Credit Squeeze is what each and every firm wants. To make it easy for all the readers, we have listed out some of the top hacks that you can use.

Build Cash Reserves for your Agency

If you are new to the market, usually, companies under the span for five years should have cash reserves at least for a year. This can a combination of business checking cash plus personal saving. Until your business gets a constant monthly cash flow, it is always better to have a Cash reserved for future use.
This is important for the people in all sector because once a Slump has started,

  • Clients can slow down your payments, and even can cut-off the cash flow.
  • In worse condition, one of your more prominent clients may be forced to sell his business.

Either way, cash reserves are significant, if are having a Digital Marketing, or an Advertising Agency, it is recommended to keep reserves for at least a year. Marketing fields are increasing day by day. It is always better to be on the safe side by keeping some reserves.

Even though Digital Marketing and Advertising Agencies are least affected, it is good to have reserves, as you will have time to grab some clients for the future growth of Digital Marketing, and SEO.

Controlling the Client Credits and Invoice Clarity

When we come down to transaction a lot of firms work based on net-30 days terms. This means you provide a service and wait for 30 days to receive the payment. However, if it is the Economic crisis, then 30 day period might look a bit difficult for all type of firms.


  • Clients might ask to defer the payment with 60-days or 90-day payment
  • Sometimes, clients may even go out of business, leaving you with hard work and cashflow.

The alternate way, here is to check your client’s commercial credit, and eventually prepare your self especially during the economic crisis. You can provide your Client with a Credit Proposal according to your withstanding.

Try to implement, a reliable system for invoice collection, that reduces the overdue payment issues.

Outsource Your Services

During the Trough time, it is best to outsource your services, than hiring new people. It will lower the labor cost that will strengthen the bottom line, they will provide some cash flow, and the agencies can allocate their resources to research and development.

Outsourcing is a viable plan during the Trough period.


If we look at all the points above, we can conclude that all the suitable, reasons are indicating that the Downturn can be a bad one, mostly for the Countries and businesses will be affected by it.

For all the job holders, it is better to have faith in their savings for a year. So even if there is a situation of jobless, then their saving will be the biggest saviors.

Even if the Government of the different countries says that they are good to go and can face the next Slump and there will cause no damage, however, we suggest that it is better to save some Cash Reserve that is suitable for at least a year.

If you have any further query regarding Slowdown, do feel free to write us, through email or comment below. We will surely help you!

What are the steps to prevent blog copyright infringement?

What are the steps to prevent blog copyright infringement?

If you are a blogger and write articles and have a fear of your content can be copied, then you are afraid of the copyright and copyright infringement. Scammers and tricksters are even present in the Content, developing the field. While some of the issues seem to be legal, but, specific problems go beyond the line.

What is copyright?

copyright image

It is a legitimate right which exists for each and everyone around the globe. This right allows the original work creator to analyze other people. Who has tried to copy or manipulate their work! This right exists for only a limited period.

Eventually, it rightfully depends upon the Act of Limitation and Exception to Copyright Law. Which also includes some of the fairways of usage. One of the most significant limitations of the Copyright Act is it only protects the original documents. Not the ideas and creativity which are present in the underlying one.

What is copyright infringement?

The works that are protected by copyright law. And later on, using those same works is known as copyright infringement without having any permission. This even includes some of the exclusive rights, such as the right to reproduce, the right to display, or the right to distribute. The original creator may grant this.

The original creator of the work is called as the copyright holder. The copyright holder may be himself or someone under him who is responsible for it. To avoid copyright infringement, the original creators usually take all the legal actions before releasing it in the market.

Below are a few steps to protect your content from copyright and copyright infringement issues:

copyright infrigement image


If you have a blog, it avoids all the copyright issues are advised to add an alert regarding it. And maintain it with time to time. Although people usually don’t understand this and seriously, no one can stop. If the content is meant to be copied, it will be copied anyhow even with the copyrights.

Sometimes people think that if the symbol © is there, it means the work is freely available. Whereas, there are different tricks to save the original as the original. Like in WordPress, the date gets updated automatically, which mentions that last time when changed the alerts about the copyright infringement.


Licensed Content means if a person wants to use your content, then the terms that he has to follow to your materials. And then post an alert which says that “all the rights are reserved.” Which can also be the part of the original copyright notice.

But, instead, if you want to get the creative outputs and want to make your work useful and used by others. The creation of its license is waste.
And the terms and rules and regulations should be mentioned explicitly for the external use of the work.

So, that no misunderstanding will be there in the future and it will not focus entirely on your site. This should be made sufficiently clear for everyone even if the readers who look for information.


Nowadays, in the market, there are numerous amount of available devices. Using these tools, you can detect where your content is or who is utilizing it: Google analyzer is the best tool for this and the most reliable one.

Google analyzer image

(source: Google transparency report)

It is straightforward to use in the below search option you have to give the URL of your work site. Then click the search button that’s it, it gives the whole report of the website that has copied from your site or the original site. In this way, you can track your content and how and where it is used?


People sometimes even copy the images from the original created one of the unique website. Somewhere below the picture try to write the copyright disclaimer. While people try to copy if they can find the disclaimer of the copyright issues.

The only solution for those who want to get free images is to check Free stock images. Nonetheless, there are a lot of websites which provide free photos without any copyright issues that too of high definition, you can use those images. You have to sign up for those sites and enjoy getting free and HD images. Some of the best places which provide free images without copyright issue are like Pixabay, Adobe stock, Usplash, etc.


If you have some static content and don’t know how to protect it as you don’t even have the RSS feed. That’s when Google alerts come as a savior. Sign Up for Google alerts and start creating signals for every page with various names, quotes, and phrases. Then you can get the RSS feed and email disclaimers when there is a copyright issue or copyright infringement.


There are a lot of plugins that are present for different essential platforms. When it comes to RSS feed, it becomes necessary to add the footer. The blogs can be republished quickly with the conventional ways that are mentioned. To which you should be able to add some of the internal links which direct to your site with some copyright alerts.


Copyright Infringement has become a headache to the writes and daily work by the tricksters. We hope that you found some solutions for the issue if you are facing.

We will update with more such steps which will help you to keep your content safe from the tricksters.

Hope you liked our tips, if you have any query, do write to us, we will help you with the same.

Fintech Marketing 101: The Best Online Marketing Strategies

Fintech Marketing 101: The Best Online Marketing Strategies

Financial technology has officially reached the early stages of mass adoption. People are now depositing checks and rebalancing their asset portfolio on the go, instant personal loans are available online, and businesses can receive funding within a matter of a few hours! Fintech is slowly creeping its way into the mainstream. Therefore, it is the ideal time for a startup in this industry to shine.

So, how can you write your fintech startup success story? The answer is “with an excellent online marketing strategy!” Sure, online marketing alone cannot make your company successful. However, without it, your products/services may remain in the shadows forever. That is why building a strong strategic foundation should be one of your priorities.

Importance of creative online marketing

Most fintech companies are employing the latest technologies to enhance and automate the use and delivery of financial services. Building a revolutionary product or solution may be the first step towards success. However, proper online marketing is just as necessary for gaining recognition and drawing the attention of the consumers.

Fintech marketing involves a combination of tactics, designed specifically for financial technology firms. Creating a foolproof strategy for such a growing vertical can be challenging. The number of startups is increasing, and traditional banks are adopting emerging technologies to provide better products and services to the customers. Making one company stand out in the crowd is undoubtedly tricky.

The biggest hurdle standing in the way of fintech marketers is to get people to trust unfamiliar and potentially helpful tools. Many of the technologies may seem opaque and complicated to the average man. Then there are security and privacy concerns as well as vague policies and terms on rates and charges. Making them believe in the product or solution, and getting them to use it for handling transactions and managing finances can be hard.

So, it is evident that the same old ideas and concepts are not going to work when it comes to promoting a fintech startup online. Better and more innovative strategies are required. Below are a few top tricks that industry experts swear by.

Fintech marketing

Go mobile or go home:

Ever since the advent of smartphones, we have been spending more and more time on these little handheld devices. Studies show that the average consumer spends about five hours daily on the phone. Mobile app usage has increased up to 69% since 2016. From shopping to banking, everything is done on mobile today. Targeting mobile users is thus necessary.

So, how can you ensure that your fintech marketing strategy is in line with the growing mobile usage? Start by building a mobile responsive website. It will not only help you rank higher and better in Google SERPs, but you will be more likely to convert visitors. Moreover, since 52% of the total online searches are carried out from mobile, you can no longer ignore it.

To attract mobile users, you must:

  • Make your website content crisp and concise.
  • Remove clutters such as unnecessary pop-ups, widgets, and content.
  • Improve website navigation and loading speed.
  • Add visual elements such as icons, infographics, images, and videos to content.
  • Use extensive and responsive fonts and non-intrusive animations.

All in all, you must make sure that your website looks and performs exceptionally well on mobile as well as on the desktop. Then you can think about investing in SEO and ads.

Create high-quality content:

You may have heard this one before, but it holds much more weight now. Valuable content is essential for effective online marketing. It can be a listicle that clarifies consumers’ doubts and questions about your product or solution. You can also create “how-to” articles to highlight the best ways to use your tools. Informative content is in high demand, and the more value you can add through content, the better it is for marketing.

As per a recent study, 45% of the millennial population wants financial services and products to help them manage their finances. However, 37% of them stated that they were unable to find helpful resources online to help them understand essential topics. As a result, most millennials are left uneducated and confused about one of the most vital responsibilities of adulthood.

The statistics may seem somewhat shocking. However, this is your chance to step in and offer this generation something that other financial companies have not. By creating valuable content, you can educate and inform both adults and young adults. It will not only build trust, but it will also increase brand authority.

Embrace social media:

When it comes to social media, opinions, and views are divided mainly. While some people are avid social media users with active profiles on all major platforms, others refuse even to download the apps! As a fintech startup, your target market will define your social media marketing needs. From Facebook, LinkedIn, and Instagram to Twitter, YouTube, Pinterest, and more, options are plenty. You need to choose a platform that suits your product/service and target audience.

Be bold when branding:

Want people to know and remember your company? If you’re going to create a stir, the best idea would be to invest in branding. Consumers will know you by your brand. So, you must focus on building a killer brand image. You may have the best content, a highly functional and mobile-friendly website, and an excellent social media strategy. However, without proper branding, none of it will bear fruit.

online marketing

Branding strategies and tactics will, of course, depend on your target demographic and company culture. If you are primarily targeting millennials and young people, you should not be hesitant to go bold when branding your fintech startup. You may choose to create an imposing, powerful, and sharp image, or you may go with a bright splash of color. No matter what you do, make sure to keep your ideas fresh and memorable.

Over-deliver when possible:

If you ever over-deliver, make sure to promote that act over and over again. For example, Southwest Airlines gets a ton of free PR by doing acts of kindness. Remember the time a mom thanked the Southwest flight attendants because they helped calm her baby? What about the time the company reunited a mother with her unconscious son? The world loves when a company cares about its customers. If you ever go out of your way to help/appreciate your customers, do not let that go unnoticed!

Excellent customer service always pays, and what better way to serve your customers than to over-deliver through products and services? If you do good, you can expect to do well! However, it does not necessarily mean that you should follow in the footsteps of Southwest and copy their stories. Over-delivering does not always mean grand gestures. You can achieve the same goal through small yet sentimental acts. Even a simple act of thanking your customers can go a long way when it comes to earning love and trust.

Run ad campaigns wisely:

Want to run an ad campaign for your fintech startup? You have plenty of choices to pick from! The problem with many fintech startups is that they are afraid to use new and innovative marketing tactics. For example, instead of reaching consumers online, many fintech companies are still relying solely on radio commercials and TV ads.

Google, Facebook, and YouTube are all excellent platforms where you can run your paid ad campaign. However, you must set up your social and Google ad campaign keeping factors such as demographics, budgets, interests, images, keywords, and call to action in mind. You can optimize pretty much every aspect with just a few clicks of your mouse!

Radio, television, and billboards are part of a dying market. Though they worked beautifully in the past, they are no longer effective in today’s technologically-driven society. Therefore, you must rethink your strategies and focus your budget and energy, where it is likely to have the most impact.

Wrapping up

Fintech marketing is a relatively new concept, which is why there is still room for experimenting. However, you should always be wise when gambling with a new idea for ranking top keywords like instant personal loans, Business loans, etc. As a startup, you can begin with the tips mentioned above.

How to measure the efficiency of your PPC investment?

How to measure the efficiency of your PPC investment?

A pay-per-click (PPC) advertising campaign can be a good investment for your business. The PPC or cost-per-click model is used to drive traffic to your website. You have to only pay when your ad gets “clicked on” by a user.

But you’ll only know if the PPC campaign is a good investment if you analyze the results to ensure you’re getting the most for your advertising dollar. Whether you manage to advertise for your own business or clients, you need to determine if you’re getting an appropriate Return on Investment (ROI).

How do you know what to monitor, analyze and adjust?

We’re here to help you with our tips for how to measure the efficiency of your PPC investments. Using the 6 Key Performance Indicators (KPIs) we outline here, you’ll be able to assess the performance of your campaign.

Getting Started

Like any aspect of your business, it’s important to establish goals for your campaign before you start. Having goals means you can analyze your results against those goals, and make any adjustments if necessary.

Your goals will also determine which KPIs you may want to focus on over others.

Examples of objectives for your campaign include:

  • Signing customers up for regular emails or newsletters, to enable you to develop a customer database.
  • Driving traffic to your website.
  • Converting that traffic into sales.
  • Increasing recognition of your brand.

Once you’ve established your advertising goals, you can set up your campaign, and monitor and examine results.

To do that, here are the 6 KPIs on which you should focus.

1. Clicks

You’ll never reach any campaign goal without having users click on an ad, whether the objective is a brand enhancement or conversion to sales. Therefore, the number of clicks is an important measure.

Let your campaign run for a while, and continue to monitor clicks. They can be an early indicator of success, but as the campaign progresses, you may want to make adjustments. That can include pausing ads that aren’t performing well and increasing the bid on ads that are performing well.

Clicks are enjoyable to watch, but they aren’t the only indicator of success.

2. Click Through Rate (CTR)

Another key metric is CTR, which is calculated by dividing the total number of clicks your campaign received in a given time frame by the overall impressions.

In other words, if your ad was viewed 500 times (known as some impressions), and was clicked on 100 times, your CTR is 20%.

CLick Through


Tracking your CTR throughout the life of the campaign is good. You can generate reports by week, month, or whatever time frame works for you or your client.

There are different ways to determine what’s an acceptable CTR. That could be by comparing to industry standards, for instance.

Wordstream analyzes the data for Google Ads and can provide you with the information you need on a good target CTR, with data updated for 2018.

For instance, the average CTR for the search for the Travel and Hospitality Industry is 4.68%, and for E-commerce is 2.69%.

At least, this can provide a benchmark for your business. But monitoring CTR will also help you analyze individual campaigns for increases or decreases in CTR.

3. Cost Per Click (CPC)

It’s good to keep track of your CPC, or the amount you pay for each click on an ad. This helps you monitor your budget, but also the effectiveness of the campaign based on the cost.

To calculate CPC, you divide the total cost of your campaign by the number of times an ad was clicked.

cost per click

Check your math and figure out the campaign’s total cost by multiplying the CPC by the number of clicks your ads received.

campaign cost

cost per click

The CPC data will measure exactly how much you’ve paid for a campaign. This is helpful because while you may have set a budget and a bid price when you set up your PPC campaign, it doesn’t mean that’s what you actually pay. Actual costs can be different than bids.

The cost of an ad can be determined by other competitors in a PPC auction, so CPC helps you track your actual spend.

If your CPC goes up, your advertising spend increases as well, so obviously your ROI is going down. In an ideal situation, over the course of a campaign, your CPC should decrease, and your ROI will therefore increase.

4. Conversion Rate

It’s great to know how many users see your ad, click on your ad, and what that costs, but all that doesn’t mean much if they don’t complete the desired action once arriving at your website.

That’s what makes conversion rate so important.

Whether your “conversion” is an actual sale, providing an email address for a newsletter, or completing some other type of form, the conversion rate will tell you if you’re successful with that goal.

To calculate this metric, divide the number of people who “convert,” or complete your desired action, by the number of people who clicked on the ad.

conversion rate

PPC analysis

If your conversion rate isn’t where you want it to be, you may have to look at your website to make adjustments.

For instance, analyze your user experience to ensure your landing page:

  • performs on a variety of devices;
  • it has a good load speed;
  • is mobile friendly;
  • and, the desired action is clear to users (form submission is clear and simple, for instance).

Make enhancements if necessary, and continue to check your conversion rate for improvements.

If your conversion rate goes up, you’ll be spending less on advertising to get a sale or other desired action. Therefore, your ROI will go up. So you always aim for an increase in your conversion rate.

5. Bounce Rate

This could also be called the opposite of your conversion rate.

Your bounce rate is the number of visitors who click through to your site and but leave without completing your desired action.

A high bounce rate will send you back to your landing page to look for further enhancements. Review again to make sure it’s user-friendly and has a clear call to action to point people to your desired conversion.

You will always aim for a decrease in bounce rate.

bounce rate

6. Return on Advertising Spend (ROAS)

It can be argued that this is the most important KPI, particularly in terms of determining your ROI.

After all, what is more important than looking at the revenue earned vs. the money spent? To determine an effective ROAS, a break-even measure is a dollar earned for each dollar spent.

To calculate ROAS, divide the revenue of the campaign by the cost. If you made $500 and spent $100, your ROAS is $5. In other words, for every dollar you spent, you earned $5.

You should note that sometimes a bounce rate can be artificially inflated. For example, a user lands on your page, and then calls your business, then leaves. This would still count as a bounce, but in fact, the user actually converted

Revenue cost

This number provides the bottom line on how the marketing budget has supported the business.

Final Thoughts

A PPC campaign requires planning, monitoring, and adjusting.

Like any aspect of your business, you want to be sure you establish goals and measure performance against those goals.

Launching a PPC campaign won’t be effective if you simply launch and leave it. You must monitor to make adjustments if necessary.

Knowing how to measure the efficiency of your PPC investments is vital to ensuring a positive ROI for your business, or your client’s business. Measuring and monitoring these 6 KPIs will ensure you get the most out of your PPC spend.

5 Tips To Boost Conversion Rates Of Your Emails

5 Tips To Boost Conversion Rates Of Your Emails

One of the oldest means of marketing; email marketing still works like a charm whether it’s to reveal a new product to your existing customers or to connect with more potential customers for the same, with an email conversion rate you can do it all.

Just write up a great one. Use a good structure and design — the right links. And SHOOT!

email marketing

If only it were all that easy.

While email marketing is just a simple term, its right implementation can get the best in a sweat.

From writing a great subject line to keeping the mail body comprehensive yet short. And then the pressure of compellability, I tell you. All of it requires some in-depth analysis, research and the right choice of words (of course).

But does it mean email success is too hard to achieve? Well, not if you go by these five tips.

5 Killer Tips to Boost Email Conversion Rates like anything

Here are the top tips for leveling up your email marketing game to earn a spate of conversions.

1. Make use of existing intel

Be it offline or online; data is an integral part of all businesses.

Gathered after several hits and trials, it helps businesses strategize and optimize better for their future projects, including email marketing campaigns.

But how exactly?

Well, it’s a lot like targeting.

The data would tell you a lot about your audience. Its likes/dislikes. Geographical locations. Age group and the gender that they belong to. The brands that they love the most. Products that they are interested in. And a lot of other stuff.

Now here you need to do is make use of this data.

Craft your emails by that. Use it to be relatable with your emails. As relatable as you can be. Do you know how a joke suddenly becomes way funnier the moment you start relating to it? The same tactic works with all forms of content “Emails too.”

This will make your prospects believe that you can feel their pain and so can help them too.

2. Refine your email list

While you might be sending out emails to some subscribers who gave you their email addresses at one point in time, turns out not all of them are receiving those emails now.


Every email list in the world has the following categories of subscribers.

  • Confirmed: Those who confirmed their subscription to your newsletter/mailing list
  • Unconfirmed: Those who didn’t prove their subscription
  • DNC list (do not contact): The ones who blacklisted you (no further contact)
  • Bounced: The file with (now) invalid email addresses

Now, this might have got you wondering,

All mailing lists are divided into four categories, three of which aren’t worth a try. But how does it matter? Why do I need to refine?

Well, I hate to break it down to you. All email service providers charge their consumers for every single email that they send.

This means that sending emails to the people who don’t want to see your emails or don’t want to respond to them or aren’t even going to receive those might be costing you $$ unnecessarily.

The solution is easy. Just take out an hour and refine your mailing lists.

Every time you shoot emails, make sure they are going to the right audience. Failing at that will cause you throwing money for nothing.

3. Create outstanding mail copies

Not to pressurize you or anything, but your mail copy can make or break your email campaign.

It’s like while we all try to persuade users with our content, there is a whole bunch of competitors trying to do the same.

A myriad of emails is sent every day, every week and every month. What magical do you think your email copy has to beat them all and be clicked on?

Well, in all cases we can still be better. Aiding to that, let us look at the four ‘U’s of email copywriting.


While the world is moving at the speed of light and everybody is super busy, getting users to click through your emails in the first go is a challenge.

But is there a way to win? Well, do we say no to any urgent calls? Highly rarely, right? That’s the key. If you can create urgency in the readers’ minds, you can win their attention that can lead to more clicks.

Still, don’t get it? This example might help.

Let us say; you want to buy an electric guitar. You visit a website reviewing the model that you want to buy. You read the reviews. I liked the product. And chose to sign-up for updates, so you don’t miss out on the latest offers or updates.

The next noon you receive an email offering a limited time discount on your favorite guitar. Wouldn’t you consider it? Well, even if you won’t, somebody else will.

Email conversion

What it does is boost the chances of the user opening up your email. The rest of the best (i.e., conversion) still depends on other factors like CTA, landing page, etc.


The next thing your email copies need to be is unique.

Just as discussed in the sections above, we receive a large number of marketing emails every day. How many do we click?

Well, if we notice carefully, it’s easy to conclude that emails that are unique and interesting make us want to know more. And for that, we generally click through.

For example, a while ago, I received this email from’s email list that I once subscribed to. First, I saw it on my phone and couldn’t just archive or delete or even ignore it (which I or maybe most of us generally do).

This is what the email’s snippet said.


Starting with the title, it’s simple and spots on. Something that every internet marketer/website owner would love to know. And then the first text in the email. As relevant and essential as it could be.

He starts with his success story. He is implying that this hack really worked for his website and so it can work for mine.

Now, here, he might have lost me if I had just read the title. But then the right next line goes like ‘Over the last 30 days, I generated 53878 visits from …’.

Who wouldn’t want to know more?

This is one excellent example, and there can be many others like this.

So, think of creating unique subject lines and useful opening texts like these. Chances are, your conversion rates will be boosted.


Just as mentioned in the very first tip, you need to make use of the data that’s available to you. The aim is to know your consumers better. Understand their needs and then craft emails with that intel.

You need to know their problems the best and then address those in your emails. If you can do that, more of your emails will be read.


Why waste a sentence saying nothing? – Seth Godin.

Brownie points if you feel that the above quote makes sense.

The thing with the content that you create is that it has to be useful at all costs. Because, what’s the point of creating any content at all if it doesn’t help its audience?

Also, if you aren’t helpful to the audience, why will they subscribe to you? Or buy your product? Or even listen to your words at all?

So, keep this in mind and try to create useful content for your audience.

While writing great email copies will require brainstorming and more time, it’s highly crucial. Coming up with perfect email copies is how you can compete with other businesses sending emails to your prospects.

Also, you can use a good video to charm up your emails. Emails with visual content get higher CTR.

4. Work on your CTAs and Landing Pages

You might have spent hours and hours brainstorming the right design, layout, text copy and everything else for your entire email, but right before you send it out, two things matter.

CTA and landing page.

Getting users to click through and read your email is a tough bet; we all agree. But what’s more robust is to convert them. And basically, that’s what every other step in the process comes down to.

So, how to do it right? How to optimally pick and design your CTAs and landing pages?

Well, let’s start with the CTAs first.

One common mistake that marketers generally make is generic with their CTA copies.

While writing a CTA saying ‘Read more’ or ‘Fill form’ might seem like a good idea to some, turns out it isn’t!

CTAs that are too generic can bore the reader. And CTA copies that impose work turn them off. I mean, who likes extra work on their desk?

CTA image

In cases like these, saying ‘Read more’ will make the user imagine huge blocks of text which he/she’ll have to go through.

Solution? Come up with better CTAs. Better here means actionable. Something that makes the user go through your CTAs smooth. A CTA that offers the users something of their interest.

For example, instead of using “Read More” as a CTA, try out options like “Find out more.”

We might like finding new useful stuff, but we aren’t always in a mood to read, are we? Just take it like that. And save yourself from repelling readers.

Once you have created the right CTA copy, you should start getting more clicks, leading the users to your landing page. Just what we need to focus now.

While you are trying to craft your perfect landing page, the following tips will help you.

Create great headlines

The first thing that an average internet user will see in your landing page is your headline.

If you fail to make an impression with that, chances are, you’ve lost the user.

What you need to do is create headlines that grab the reader’s attention — telling them about your product or service. And not exceeding 20 words at max (preferable limit is 10).

And once that’s done, move on to optimizing your landing page further.

Be persuasive with subheadings

Another characteristic of actionable content is persuasiveness.

And right after you’ve crafted a good headline, you need to work up your subheadings similarly. But how can you make it happen? Well, keep the following tips in mind.

  • Give details in your subtitles. A subheading is supposed to be more informative/in-depth than the main heading.
  • Make it have information gaps. How does it work? Make a point that you’ll discuss later in your content. Maybe at the end of your content.

This will keep the user intrigued till the end of the piece.

Use visuals

The next thing you need to keep in mind is the right use of visuals.

No matter how great your textual content reads, without the right visuals, it’d still not be thoroughly optimized. While picking the right one for your landing page, keep the following points in mind.

  • Everything your landing page pictures need to be.
  • Large in size.
  • Highly relevant to your product/service.
  • High quality.
  • Highly intriguing and attention-grabbing.

Your best bet would be to use fresh, converting and actionable infographics for your landing pages.

The right images on landing pages can boost overall conversion rates by up to 89%.

5. Fine tune your offer

While you might have tried anything and everything possible to acquire conversions with email marketing, it might not still work for you. Reason can be your offer.

It’s like even the copywriting experts like David Garfinkel say that a fair copy with a reasonable offer can work wonders for all marketing campaigns. Like, also if your grammar isn’t correct or you’ve made spelling mistakes, your drive can still sail with a reasonable offer.

Do you see how it works?

It’s like we need to get into our prospects’ shoes. When planning on making a purchase, would you go for a great offer or good grammar?

It’s all simple. Make them an offer they can’t refuse.

email conversion rate

Final words

Email marketing is an excellent way of driving in bundles of conversions for your business. The problem which catches marketers cold is the right optimization.

In this post, I tried to share some useful tips for boosting email conversion rates. Hopefully, this helped you.

Still, have doubts? Share and discuss this piece with your marketing friends. It will help.

Future of Web Design That Every Marketer Must Master

Future of Web Design That Every Marketer Must Master

The future is never predictable. But then some people shape the future. And when it is about web design, the people developing the future are none other than the people who have been looking at the market quite closely.

With newer techniques coming in regularly, the businesses that can make a mark are those that can adapt the trends more welcomingly. So, if you wish to move ahead of your competitors in, you need to get a firm grip on the trends that are going to come up next. And to help you with it, here I have come up with a list of few web design trends that are potent enough to rule the market shortly.

So, let’s dig deeper into the details.

Developer Tools Are the New Game Changer

Moving forward in 2019, web designing is becoming even important. With more people shifting towards the digital end, the wave of new trends is coming even more often. But there are issues.

The main problem according to Craig Frost, who works as a web designer in Pusher is nothing but the requirement of high-quality software. Yes, there is a constant requirement of high-quality software, but unfortunately, there aren’t good enough developers to fill such needs. And even if some developers are efficient enough, but they face mane infrastructural obstacles, and this shortens down their capabilities.

But if a frown occurred on your forehead going through the last line, then let me comfort you with a piece of information. If you take a closer look, you’ll quickly notice that there is an outburst of top-notch developer tools. And these are capable enough of solving these modern day problems.

Yes, such developer tools are capable enough of introducing several features in applications that can be included in real time. And such applications get updated so quickly with even requiring to refresh the browser.

Interactive and Conversational Interfaces

Getting a better grip on the mindset of website visitors can prove to be effective in recent days. And yes, this can be the key that will unlock the world of innovations for you. Of course, this is a one-way path. You don’t have any other option left. And the only option is nothing but shifting towards interactive and conversational interfaces.

Conversational interfaces are shortening the hassles big time. Through conversational interfaces, you can just let the website visitor roam about your website depending on a simple screen-based user interface.

Previously, interfaces used to prevent the website visitors from deviating from their goal and provides them with continuously popping up cues that help them in the same.

But that’s a different scenario in the case of conversational interfaces. Hinting on how it works, I’d instead say that, using interactive interfaces you can roam about in a website even if your hands are preoccupied. AI and Machine Learning do the rest for them.

And this is helping businesses to increase their transparency in front of their potential buyers, as Hilary Stephenson said.

Introduce Animation

There was a time when people used to consider animations as an obstruction, an annoying inclusion to web design. But now things have changed big time.

Animations are now one of the most critical inclusions to a website. They now guide visitors through the site. They have become a better way to provide visitors with valuable information.

Some people in the industry consider this upsurge of animations as a comeback, but what senior developer Mike Burgess says is, animations have been there all along. He further adds animations have been finding a way to balance things between utility and sophistication. And now as they have figured out what can be the difference, you can quickly notice their efficiency in web design.

Virtual Reality and Augmented Reality

You’re well acquainted with 3D, aren’t you? And there’s where VR and AR come in action.

Though, there is a habit of a few developers of considering virtual reality more as a short-lived craze but, TBH, VR is right now busy in developing a good relationship with the base of our generation, i.e., the younger people. Yes, kids, these days, know better about Virtual Reality than older people do. So, if you start working on it, you are inevitably going to see good times soon enough.

And, talking about Augmented Reality, yeah, it is true that AR has taken much time to reach us, but we can’t deny that it is a thing of the future. Both Apple and Google have placed their respective AR tools in the market, named ARKit and ARCore, respectively. And with the arrival of them both, we can now expect things to get fixed a lot quicker.

So, I guess, this is high time for you to jump into it.

Open Source and Ownership

Newer technologies are getting introduced with us with every passing day. And they are coming with a lot of promises. And we can’t be sure about them until we get our hands on them.

But this approach towards breaking the barriers is fundamental. By mentioning the term ‘barriers’, I refer to the ‘walled garden’ that has been created by the industry leaders.

This approach is essential as this attitude will clear up the confusion if this hype is short lived. And that will help the newer technologies gain trust.
But breaking the barriers is a tough job. And you know that already. So, you can easily sense why breaking barriers are essential. Because whenever some newer technology tries to get out of the loop, we experience something completely fresh. Something that hasn’t been experienced never before. And some industry biggies trust this agenda.

This might come out as something really big. So, if you have an idea that you feel is out of the box, validate it and then give it a try. You never know, it might turn out as the much-awaited gig.

What’s Your Take?

This entire thing going on in the market currently is somewhat community driven. And which community to be in is the major concern of most marketers out there. But, you have us.

And now as you have come across the things that you need to consider, things might get easier on your behalf. As they say, the grass is always greener on the other side, but the final take is always under your control. Be wise. And if you have any further queries, feel free to get in touch with us.