They Invest Just 5 % of Their Income — But Plan to Make Trading a Full-Time Pursuit

South African traders are increasingly shifting from impulsive, bonus-driven behaviors toward strategic, long-term engagement with trading. While trading remains a relatively small portion of their income, their expectations from brokers have evolved markedly, focusing on trust, transparency, and operational reliability.

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According to this article, recent data from Kantar’s Global Brand Health Tracking study (Q3 2024) reveals that modern South African traders place a high premium on seamless deposit and withdrawal processes—42 % of respondents marked it among the top three criteria when choosing a broker. Financial security is nearly as vital, noted by 40 % of those surveyed. Licensing and regulatory compliance are also regarded as baseline expectations, underscoring the growing emphasis on trust and stability.

The shifting landscape signals that traders are no longer swayed by flashy offers. Instead, they want brokers who deliver consistent, reliable service over time. This represents a significant change in how broker platforms must position themselves to retain discerning clientele.

Another revealing insight from the Kantar study shows how cautious yet determined South African traders are. Nearly half (49 %) invest no more than 5 % of their monthly income into trading, while 37 % feel comfortable allocating up to 25 %. Yet this careful approach doesn’t imply a lack of ambition—among seasoned traders, almost 90 % expect trading to grow into a sustainable long-term income stream. This indicates a deliberate and measured approach toward scaling trading activity responsibly.

Platform functionality now plays a critical role in broker selection. Fast execution topped the list, with 56 % of respondents deeming it essential. Meanwhile, high leverage options and consistently low spreads were valued by 52 % and 47 % respectively. Importantly, risk-control features, such as negative balance protection (35 %) and swap-free trading accounts (38 %), also garnered strong support. These findings suggest that savvy traders are prioritizing tools that safeguard their capital, especially as they plan for longer-term engagement.

Brand visibility also emerged as a strong indicator of trust. In the study, Exness led in brand awareness among South African traders, recognized by 75 % of those surveyed. Of those aware, 14 % were active clients, and nearly 10 % chose it as their primary broker. Recognition, therefore, isn’t just passive—it correlates with user engagement and loyalty.

This data underscores a broader shift: South African traders are migrating toward brokers who deliver smooth payments, stable conditions, and dependable execution. Providers meeting these expectations are poised to enjoy higher retention rates and lower customer churn. In turn, those lagging in reliability or risk-management support may struggle in an increasingly competitive market.

In summary, Kantar’s Q3 2024 findings reveal a decisive pivot among South African retail traders—from incentives and vast asset selections toward fundamental qualities like trust, execution, security, and risk protection. Brokers willing to meet these elevated standards—through transparent operations, resilient infrastructure, and risk-aware tools—will likely dominate the landscape. Those failing to adapt risk irrelevance as traders increasingly seek platforms capable of supporting their sustained trading ambitions.

3 Essential Tips for Accurate Sanger Sequencing Results

Have you ever spent hours prepping samples only to end up with blurry chromatograms or confusing peaks? You know the frustration. In the lab, precision is everything, and nowhere is that truer than when you’re working with sanger sequencing.

The thing is, Sanger is a reliable, tried-and-true method. It’s been around for decades for a reason. But just because it’s established doesn’t mean you’ll automatically have perfect results. 

Here are some essential tips that will save you from wasted reagents, extra costs, and a lot of unnecessary frustration.

  1. High-Quality, Intact DNA
Photo by Google DeepMind on Pexels.com

This one sounds obvious, but you’d be surprised how many sequencing headaches start right here. If your DNA template is degraded or contaminated, you’re already setting yourself up for trouble before the machine even starts running. Poor quality in means poor quality out.

Think about it: DNA extraction isn’t just about getting some DNA out of your sample. It’s about getting it in the best possible condition. That means no residual ethanol from your wash steps, no protein contamination, and definitely no leftover salts that can mess with your reaction chemistry. Even tiny amounts of contaminants can interfere with the polymerase and dye terminators.

You don’t have to reinvent the wheel to ensure quality. Use a reliable extraction method, run your sample on a gel to check integrity, and measure both purity and concentration. If the 260/280 ratio is off, clean it up before you proceed. 

2. Optimize Your Primer Design and Concentration

Your primer is like a GPS for the sequencing reaction.  If it’s off, you’ll end up in the wrong place, or worse, nowhere at all. Poor primer design can lead to weak signals, background noise, or just total failure. And the tricky part? You can have great DNA and still get bad results if your primer isn’t pulling its weight.

First, keep it simple and specific. Avoid sequences that can form secondary structures or have long stretches of the same base. Aim for a melting temperature in the right range for your reaction, and make sure it’s unique to your target region. The last thing you want is your primer binding in multiple places.

3. Keep Your PCR Setup Spotless

Cross-contamination is the silent killer of sequencing accuracy. You can have the perfect DNA template and a flawless primer, but if your PCR setup is sloppy, the results will tell the tale. And the frustrating part? Contamination doesn’t always show up in obvious ways. Sometimes it’s just faint extra peaks or a low-level background that makes interpretation harder than it needs to be.

You know the drill. Separate your pre- and post-PCR areas, use filter tips, and change gloves often. Unfortunately, in practice, it’s easy to get lax when you’re working fast or juggling multiple samples. A stray aerosol from one pipette tip can travel far, and once it’s in your reaction, there’s no going back.

If you want to go the extra mile, keep a set of pipettes dedicated just for PCR setup, and wipe down your workspace with DNA-degrading solutions regularly. Even small steps, like using fresh aliquots of reagents instead of repeatedly dipping into the same stock, can make a noticeable difference. 

Wrapping Up

You can obtain accurate Sanger sequencing results if you build good habits at every stage of the process.  Yes, it takes extra care and sometimes a little more time. But the payoff is huge: clear chromatograms, confident base calls, and the satisfaction of knowing you didn’t just get a result — you got the right one. 

Spectrum’s Bare-Metal RPC Network Sets New Standards for Web3 Infrastructure

As decentralized applications (dApps) evolve and blockchain ecosystems continue to fragment across various networks, the demand for high-performance, resilient infrastructure has never been more critical. Spectrum, a global Remote Procedure Call (RPC) provider, is addressing this demand by offering a bare-metal RPC network capable of handling over one billion requests daily across more than 175 blockchain networks.

This article delves into Spectrum’s unique infrastructure model, which centers on decentralization, scalability, and developer support. Unlike many of its competitors who rely heavily on cloud platforms, Spectrum operates its own self-hosted servers across multiple continents, offering consistent latency and higher throughput for mission-critical web3 applications.

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Bare-Metal Infrastructure: A Strategic Edge

One of Spectrum’s most distinctive features is its reliance on bare-metal infrastructure. Instead of depending on centralized cloud services, Spectrum uses dedicated physical servers. These servers are load-balanced and strategically distributed to support global blockchain traffic efficiently and reliably. This setup significantly reduces latency spikes and helps prevent outages, which are common pitfalls in cloud-based systems, especially during high-traffic events like NFT launches or DeFi protocol upgrades.

This commitment to decentralization ensures that Spectrum avoids single points of failure. Its infrastructure can maintain operational integrity even when demand surges—an essential trait for web3 systems that rely on real-time responsiveness.

Broad Network Coverage and Developer-Centric Design

Spectrum supports over 175 blockchain networks, encompassing a broad range of ecosystems: EVM-compatible chains like Ethereum, Layer 1s and Layer 2s, zero-knowledge rollups, privacy-focused blockchains, and even oracle networks. Its platform is engineered to offer a seamless and consistent developer experience regardless of the chain being accessed.

Developers can use standardized multichain RPC endpoints that provide reliable data access and transaction support. Whether working on a data-heavy Cosmos project or interacting with zk-enabled chains, Spectrum delivers a unified backend infrastructure that simplifies cross-network development.

Going Beyond RPC: Data Infrastructure and Real-Time Analytics

Spectrum is also positioning itself as a data-centric platform for the web3 ecosystem. The company is investing heavily in data indexing, transformation pipelines, and real-time analytics tools. These components elevate Spectrum from a mere RPC provider to an essential data layer for decentralized finance, blockchain analytics, and emerging AI-driven applications.

With features like indexed data access and custom APIs, developers can build more intelligent and data-aware dApps. These capabilities are especially useful for DeFi protocols that require accurate and fast on-chain information or for AI systems that need real-time blockchain data feeds.

Security and Control for Enterprise Applications

Security remains a priority for Spectrum. By maintaining full control over its physical infrastructure, the platform ensures enhanced observability and safeguards, which are vital for enterprise-grade applications and financial platforms that require compliance and data integrity.

This physical control translates into better service predictability and transparency—key attributes for businesses operating in heavily regulated environments.

Preparing for the Future of Web3

Spectrum’s roadmap indicates a broader ambition beyond RPC services. Upcoming integrations include AI and LLM (large language model) interfaces, advanced analytics capabilities, and customizable APIs for industry-specific needs. These features aim to establish Spectrum as a foundational infrastructure layer for the next wave of decentralized technologies.

As blockchain technology grows more complex and interwoven, infrastructure providers like Spectrum will play a central role in maintaining performance, security, and scalability. With its bare-metal backbone and commitment to innovation, Spectrum is well-positioned to become a cornerstone of the future decentralized internet.

The ROI of Customer Follow Up: How Post-Sale Calls Generate Business

Acquiring a buyer is only the opening act; the encore happens after payment clears. Firms that schedule structured outreach, phone, email, chat convert one-time purchasers into vocal advocates. Dedicated follow-up call center services Philippines set this discipline on autopilot, combining people, data, and timing to protect revenue already earned.

Photo by Anastasia Shuraeva on Pexels.com

Retention Outperforms Acquisition

Multiple industry studies show that boosting repeat-purchase rates by 5% can raise profit anywhere from 25–80%, depending on the sector. The logic is simple: marketing costs drop to zero when a satisfied customer returns unprompted. Proactive calls or messages reassure clients, surface tiny frustrations before they metastasise, and remind the buyer that service did not end at the checkout screen.

Reputation and Relationship Building

A timely courtesy check conveys respect. When a representative asks, “How is the installation going?” the brand signals it values experience over transaction. That perception feeds word-of-mouth and review scores. In B2B settings, post-sale dialogue often uncovers implementation insights that inform the next product release, creating a virtuous loop between feedback and innovation.

Identifying New Revenue Pathways

Listening carefully during follow-up often reveals unmet needs that no discovery questionnaire captured. A customer who purchased cloud storage may note that file-sharing permissions feel clumsy. The agent can introduce an add-on licence that streamlines governance, turning goodwill into an incremental margin. Systematic scripts flag these conversational cues and route them to account managers without sounding persuasive.

Containing Complaints Before They Escalate

Regulators and social platforms amplify minor errors rapidly. By integrating consumer response services into the follow-up sequence, firms catch paperwork glitches, billing misunderstandings, or user-error returns while the issue is still private and inexpensive to fix. A brief apology and a corrected invoice defuse tension that could otherwise snowball into negative publicity or chargebacks.

Pillars of an Effective Follow-Up Framework

ElementPurposeResult
CRM-driven schedulingAutomates outreach at the optimal moment—two days after delivery, one week after activationHigher response rates and consistent tone
Multichannel availabilityLets buyers choose phone, SMS, email, or chatConvenience raises engagement
Skilled listenersAgents trained to probe gently and summarise backActionable insights, not scripted chatter
Closed-loop analyticsTracks satisfaction scores alongside upsell revenueClear ROI attribution

Cost Control Through Specialisation

Running a night-and-weekend team internally inflates payroll, workspace, and technology overhead. Outsourcing to a partner that focuses on follow-up call center services Philippines converts fixed costs into a variable fee aligned with call volume. Because the vendor already employs multilingual staff and secure infrastructure, onboarding time shrinks from months to weeks, and service levels scale effortlessly with seasonal spikes.

Data-Driven Iteration

Every follow-up interaction produces metadata, call length, sentiment, unresolved questions. Modern consumer response services pipe this information into dashboards that correlate satisfaction with lifetime value. Management can see, for example, that buyers who receive a tutorial video link during the first week churn 18% less and spend 12% more over twelve months. Those findings justify programme budgets with complex numbers rather than anecdotes.

Compliance and Privacy Safeguards

Post-sale calls frequently involve order IDs, medical details, or payment confirmations. Reputable providers operate under ISO-aligned security controls, record consent, and mask sensitive fields from unauthorised eyes. Such governance is critical for meeting GDPR, HIPAA, or PCI obligations and for maintaining customer confidence in an era of constant breach headlines.

Implementing a Pilot

Starting small mitigates risk. Choose one product line, define success metrics, repeat-purchase rate, Net Promoter Score, average revenue per user, and grant the follow-up team access to knowledge bases and escalation paths. Evaluate results after one quarter, refine call scripts, and expand coverage in controlled phases.

Conclusion

In a crowded marketplace, silence after the sale equals missed opportunity. Structured outreach led by specialised follow-up services and strengthened by data-rich call center services Philippines transforms passive customers into lifelong partners. 

The payoff is measurable: higher retention, larger average orders, fewer public complaints, and a brand reputation built on genuine care rather than marketing slogans. Businesses that embed this practice now will enter the next fiscal year with a balance sheet that proves courtesy delivers concrete returns.

Opening an International Bank Account Online? Here’s the Paperwork You Need

International banking seems to be glamorous until you sit down to open an account. Before you send money across borders or make business deals through such an account you have to deal with paperwork.

Banks, especially international ones, still want to know exactly who you are, where you’re from, and sometimes even what you plan to do with the money. Their rules can shift depending on the country, the bank, and whether you’re opening a personal account or a business one. The good news is that with information about letter of credit vs line of credit this process can be easier. Here’s the paperwork you need when opening an international bank account online.

Identification Documents

Every bank, no matter how “modern” or “digital-first” it claims to be, is obsessed with one thing first—your identity. Not just your name, but you, proven beyond a doubt. And that means official documents. Most commonly, you’ll need a valid passport. Not a copy of your driver’s license from back home. Not that grainy selfie holding your ID. A full, high-quality passport scan or photo.

Banks can get picky about how your passport image looks. If the photo is cropped too tight, blurry, or has glare, you might get a “resubmit” email that sets you back days. Sometimes they’ll ask for a second form of ID, like a national ID card or a utility bill with your name and address. Even the utility bill can be a minefield. Some banks only accept bills from within the past three months. Others insist it be from a “recognized utility”.

So where does the question “what is DLC payment terms?” get answered? Well, if you’re opening an account for a business—especially one involved in international trade—banks may ask questions about how you’ll be transacting. If your business model involves Documentary Letters of Credit (DLC), they’ll want proof you understand and comply with payment terms. It’s partly about financial security, partly about anti-fraud measures, and partly about them covering their own backs. In other words, identification isn’t just about you: it’s about how you plan to move money.

The hack here? Prepare everything before you even start filling in the online form. Have your passport scanned in high resolution, a utility bill ready, and any trade-related paperwork if you’re opening a business account. The fewer back-and-forth emails you get, the faster you’re in.

2. Proof of Address Documents

This one trips up a lot of people—especially digital nomads who move every few months. Banks want to know where you live, even if “where you live” is a short-term Airbnb in Lisbon right now and a co-living space in Bali next month. Some banks won’t open your account without proof of a permanent residential address, even if you’re not planning to be there for a while.

The acceptable forms? Utility bills, tenancy agreements, or official government letters sent to your address. Some banks will take a statement from your existing bank, but it has to show your name and address exactly as you’ve entered it on your application. And “exactly” means exactly—if your application says “Apartment 3B” and your bank statement says “Unit 3B,” you could get flagged.

My advice? Even if you think your address situation is fine, double-check the document date and the formatting before sending. You don’t want to find yourself scrambling to get a new water bill in your name just because your last one was dated four months ago.

3. Income and Source of Funds Documentation

Banks don’t just want to know who you are and where you live. They also want to know where your money’s coming from. This isn’t them being nosy, it’s about complying with anti-money laundering (AML) and know-your-customer (KYC) laws. And in the international world, they take those seriously.

For personal accounts, this might mean sending in a payslip, tax return, or an employment contract. For business accounts, it could be invoices, contracts, or even your business registration certificate. Some banks go further and want to see actual transaction history from your existing account.

The tricky part? They sometimes phrase it as “proof of income” but really mean “evidence your funds are legitimate.” So, if you’re a freelancer, don’t panic if you don’t have a formal employment letter. Multiple paid invoices from different clients can work. And if you’re retired, pension statements or investment account summaries usually do the trick.

This is where being organized pays off—literally. Have your proof ready in PDF format before you start. And if you think your source of funds is unconventional (say, crypto trading), be prepared for extra questions.

4. Extra Requirements for Business Accounts

Opening a personal account online internationally is one thing. Opening a business account? That’s a whole other world of paperwork.

Beyond your identification, address, and proof of funds, business accounts often require incorporation documents, shareholder lists, and proof of your business activities. Some banks even ask for a short business plan or an explanation of your main markets and suppliers. If you trade internationally, they might ask for contracts or invoices that show you actually operate globally.

Different countries have different comfort levels with foreign-owned businesses. Some will welcome you with a quick form and minimal documents. Others will practically want your company’s family tree back to its founding. If you’re in import/export, they may even want to know your key trade partners and whether you use financial tools like letters of credit.

The bottom line: business accounts can still be opened online, but they’re rarely “click and done.” Expect more follow-up emails.

Wrapping Up

Opening an international bank account online isn’t hard because the forms are complicated—it’s hard because the requirements are often hidden until you’re halfway through. You think you’re ready, then you find out the passport scan you uploaded is “not clear enough” or your address proof is “too old.”

Once you know what they want, and you’ve gathered it in advance, the process won’t be difficult. Take the extra hour now to gather your passport, your proof of address, your income documents, and (if you’re going the business route) your company paperwork.

Reefer Van Network Launches 24/7 Customer Portal for On Demand Refrigerated Freight Booking

Reefer Van Network (RVN), a leading expedite partner for the cold chain, has introduced a new customer portal designed to give shippers instant, self-serve access to temperature-controlled and dry cargo vans and small trucks at any time. According to an article on Reuters, this development marks a significant step toward modernizing cold chain logistics.

The platform is built for speed, ease of use, and round-the-clock availability, allowing businesses to secure the right-sized vehicle without waiting for callbacks, sorting through multiple quotes, or dealing with carrier uncertainty. For companies moving time- and temperature-sensitive shipments, RVN offers a streamlined way to book transport that is both fast and reliable.

RVN founder Alex Winston explains, “Businesses need quick, straightforward access to shipping solutions that can pick up freight on demand and deliver it on time and at the correct temperature. Our portal gives them exactly that, making cold chain freight more responsive, transparent, and dependable.”

The launch addresses long-standing inefficiencies in refrigerated freight. Traditional less-than-truckload (LTL) options can be slow or unavailable when needed most, while full truckload (FTL) services often cost more than necessary for smaller shipments. Until now, the market lacked an on-demand, 24/7 option for small refrigerated vehicles.

By connecting users directly to one of the largest networks of refrigerated cargo vans and box trucks in the United States, RVN enables greater confidence and control over shipments. The portal offers real-time tracking, proactive status updates, and 24/7 customer support—features designed to deliver the transparency and responsiveness shippers expect.

“This is more than just a booking platform—it is a gateway to a better shipping experience,” Winston adds. “When both timing and temperature are critical, RVN delivers.”

The RVN customer portal is now live and accessible through the company’s website.

About Reefer Van Network

Reefer Van Network is a nationwide platform for temperature-controlled and dry freight transport, offering access to cargo vans, straight trucks, and box trucks. The service is used for products ranging from frozen food, seafood, and meat to ice cream and dry goods. With on-demand capacity, real-time shipment visibility, and 24/7 support, RVN removes the delays of LTL and the high costs of FTL, while maintaining industry-leading on-time rates and compliance standards.

CRM (Customer Relationship Management) -Definition, Objectives, Types, Benefits, Processes, and Modern Trends

1. Introduction to CRM

Customer Relationship Management (CRM) is a strategic approach that combines technology, processes, and people to manage an organization’s interactions with current and potential customers.
It focuses on building long-term, mutually beneficial relationships to increase customer satisfaction, retention, and profitability.

In simple terms, CRM is both a business philosophy and a technology platform that helps businesses understand their customers better, serve them more effectively, and ultimately grow.

2. Objectives of CRM

  • Enhancing Customer Satisfaction – By providing personalized and timely service.
  • Increasing Customer Retention – Maintaining loyalty through continuous engagement.
  • Boosting Sales and Revenue – Through better targeting, upselling, and cross-selling.
  • Streamlining Business Processes – Automating tasks such as lead tracking, follow-ups, and reporting.
  • Improving Decision-Making – Using customer data to guide marketing, sales, and service strategies.

The primary aim of CRM is to create a seamless and consistent customer experience across all touchpoints. By aligning company goals with customer needs, CRM not only increases loyalty but also improves profitability and operational efficiency.

3. Types of CRM

  • Operational CRM – Focuses on automating and improving customer-facing processes.
  • Analytical CRM – Focuses on analyzing customer data for decision-making.
  • Collaborative CRM – Aims to improve communication between different departments and with customers.

Each type of CRM addresses a different business need. Operational CRM streamlines day-to-day activities, Analytical CRM turns raw data into actionable insights, and Collaborative CRM ensures that every department has access to the same customer information for consistent service delivery. There is one example, JIRA CRM.

4. Core Features of CRM Systems

  • Contact Management – Storing customer details, communication history, and preferences.
  • Lead Management – Capturing, tracking, and nurturing leads.
  • Sales Pipeline Management – Tracking deals at various stages.
  • Marketing Automation – Running and measuring marketing campaigns.
  • Customer Support & Service – Managing complaints, queries, and support tickets.
  • Analytics & Reporting – Sales forecasting, performance metrics, and trend analysis.
  • Integration Capabilities – Connecting with ERP, email, social media, and payment systems.
  • Mobile CRM – Accessing customer data on-the-go.

These features provide a centralized platform for managing all customer-related activities. By automating repetitive tasks and integrating with other business tools, CRM ensures efficiency while giving decision-makers real-time access to important customer data.

5. CRM Process

  1. Customer Acquisition – Attracting potential customers through campaigns and outreach.
  2. Customer Profiling – Collecting demographic, behavioral, and transactional data.
  3. Lead Nurturing & Conversion – Engaging leads and converting them into customers.
  4. Customer Service & Support – Offering post-purchase assistance.
  5. Retention & Loyalty Building – Creating programs and follow-ups to keep customers engaged.
  6. Continuous Improvement – Refining strategies based on analysis and feedback.

The CRM process is cyclical, starting with customer acquisition and continuing through service and retention. Feedback and data analysis feed back into the process, enabling businesses to continually improve their relationship strategies.

6. Benefits of CRM

  • Improved Customer Experience – By knowing customer needs and preferences.
  • Increased Sales Efficiency – Through automation and targeted outreach.
  • Data-Driven Decision Making – Using analytics to guide strategy.
  • Better Collaboration – Ensuring marketing, sales, and service teams work in sync.
  • Higher Customer Retention – Building trust and loyalty.
  • Reduced Costs – By optimizing marketing and operational efforts.

A well-implemented CRM system delivers tangible returns. It helps organizations convert more leads into customers, retain existing ones longer, and maximize the lifetime value of every relationship while minimizing operational inefficiencies.

7. Popular CRM Software Solutions

  • Salesforce – Cloud-based, customizable, widely used across industries.
  • HubSpot CRM – Free and integrated with marketing tools.
  • Zoho CRM – Affordable and feature-rich.
  • Microsoft Dynamics 365 – Integrated with Microsoft ecosystem.
  • Pipedrive – Sales-focused, easy-to-use.
  • Freshsales – AI-powered CRM for small and medium businesses.

The choice of CRM software depends on a company’s size, budget, and specific needs. While Salesforce dominates enterprise-level deployments, tools like Zoho and HubSpot appeal to small businesses seeking cost-effective yet powerful solutions.

8. Challenges in CRM Implementation

  • High Initial Costs – Especially for premium cloud solutions.
  • Resistance to Change – Employees may be slow to adopt new systems.
  • Data Quality Issues – Inaccurate or outdated information can limit effectiveness.
  • Integration Problems – Connecting CRM with legacy systems can be complex.
  • Over-customization – Can make the system unnecessarily complicated.

Even though CRM brings great benefits, implementation challenges can slow adoption. Companies need strong leadership, proper training, and clean data to ensure CRM success.

9. Modern Trends in CRM

  • AI and Machine Learning – Predicting customer behavior and automating processes.
  • Social CRM – Engaging customers via social media channels.
  • Voice and Conversational CRM – Using chatbots and voice assistants.
  • Mobile-First CRM – Optimized for smartphones and tablets.
  • IoT-enabled CRM – Using connected device data for better service.
  • Customer Data Platforms (CDP) Integration – Centralizing customer information.

Modern CRM systems are becoming smarter and more connected. AI-driven insights, social media integration, and mobile accessibility are reshaping how companies interact with customers in real time.

10. Conclusion

CRM is more than just software — it’s a customer-centric business strategy.
In today’s competitive market, where customer experience is a key differentiator, CRM helps businesses:

  • Understand their customers deeply
  • Provide personalized experiences
  • Drive loyalty and profitability

Organizations that effectively use CRM can transform customer relationships into long-term assets, resulting in sustainable business growth.

Remitsy Introduces Same-Day Transfers From Australia to Europe, Cutting Costs and Waiting Times

In an era of increasingly global lifestyles and business interactions, international money transfers have become a crucial component of financial life. Australians sending funds to Europe — whether to support family, manage business transactions, or handle personal expenses — often face delays, hidden charges, and uncompetitive exchange rates through traditional banks.

According to an article on Newswire.com, Remitsy, operated by PULSEPOINT PTY LTD, has officially launched a new service offering same-day money transfers from Australia to Europe, aiming to solve these persistent issues with some of the lowest fees in the market. This development marks a significant improvement over conventional banking options, which can take several days to process and often lack transparency.

Photo by Blue Bird on Pexels.com

Remitsy’s new solution addresses a major pain point in the remittance market: speed. While traditional financial institutions may require two to five business days to complete international transactions, Remitsy processes most transfers within 24 hours. This allows users to send money with urgency and confidence, whether it’s for emergency needs or regular obligations.

In addition to rapid transfer times, transparency is at the core of Remitsy’s offering. The platform does not apply hidden margins to exchange rates—a common practice among banks. Instead, users are presented with real-time rates and full disclosure of fees before sending money. This level of clarity not only builds trust but also helps customers optimize their transfer value, especially when moving large sums or conducting frequent transactions.

Marc Alexander Schepis, CEO of Remitsy, emphasized the company’s customer-centric approach: “We’ve seen growing frustration among customers who feel trapped by hidden charges and slow transfer times. This launch marks a turning point: same-day transfers at significantly lower costs, with no guesswork.”

The platform is designed for ease of use. Customers can create an account at Remitsy.com, input the recipient’s information, and review all costs upfront before confirming the transfer. Full tracking is available at each stage, offering peace of mind and operational transparency.

Remitsy achieves its efficiency by eliminating unnecessary intermediaries. Unlike traditional remittance networks that rely on multiple banking institutions and outdated infrastructure, Remitsy leverages modern fintech innovations. This streamlined model not only reduces overhead but also enhances reliability and delivery speed.

The service is particularly beneficial for expats, small business owners, freelancers, and international students — all of whom may require dependable and fast transfers on a regular basis. As the global workforce becomes more mobile and cross-border relationships more common, the demand for such solutions continues to grow.

Beyond its immediate offering, Remitsy’s presence in the financial technology space highlights a broader shift toward consumer empowerment in international finance. By focusing on speed, cost-efficiency, and user transparency, the company is positioning itself as a disruptive force in the remittance sector.

Remitsy – PULSEPOINT PTY LTD is headquartered in Sydney and continues to expand its service offerings to meet the evolving needs of globally connected users. As cross-border transactions become an everyday reality for many Australians, solutions like Remitsy are redefining expectations around time, trust, and transfer value.

For more information, visit https://remitsy.com.

Call for Papers – International Journal of Research (IJR)

🌐 Call for Papers – International Journal of Research (IJR)
📖 A Premier Platform for Scholarly Publishing Across Disciplines
📝 Website: www.ijrjournal.com
📧 Email: ijr@ijrjournal.com
ISSN (Online): 2348-6848 | ISSN (Print): 2348-795X
Impact Factor: 8.2 | Monthly | Peer-Reviewed | Open Access

The International Journal of Research (IJR) is pleased to invite original and high-quality manuscripts for publication in its upcoming issues. With a strong commitment to academic excellence, research integrity, and the promotion of knowledge, IJR offers an inclusive platform for scholars, academicians, professionals, and researchers to share their findings with a global audience.

Established as a multidisciplinary, peer-reviewed, and open-access journal, IJR is recognized for its rigorous editorial process, transparent peer-review system, and global reach. It serves as a forum for the exchange of ideas and advancements across a wide range of fields and disciplines.

🌟 About the Journal

The International Journal of Research (IJR) is published monthly and maintains a strict double-blind peer-review process to ensure the integrity and academic merit of every submission. Our editorial board comprises distinguished scholars, researchers, and professionals from around the world who are committed to maintaining the highest standards in academic publishing.

With an impact factor of 8.2, IJR continues to gain prominence as one of the most reliable, credible, and accessible journals for researchers who wish to reach a wider academic and professional readership.

📚 Areas of Interest

IJR accepts papers from all disciplines, with particular interest in the following areas:

  • Humanities and Social Sciences – Sociology, Psychology, Political Science, Anthropology, History, Literature, Philosophy
  • Science and Technology – Physics, Chemistry, Mathematics, Earth Sciences, Environmental Science
  • Engineering and Applied Sciences – Civil, Mechanical, Electrical, Computer, and Software Engineering
  • Medical and Life Sciences – Medicine, Nursing, Public Health, Biology, Biotechnology, Pharmacy
  • Business and Management Studies – Finance, Marketing, Human Resource Management, Economics
  • Education and Pedagogy – Educational Theory, Learning Technologies, Curriculum Development
  • Law, Policy, and Governance – Public Administration, Legal Studies, Ethics, and Policy Analysis
  • Interdisciplinary Studies – Bridging multiple academic perspectives to solve complex issues

📝 Types of Submissions Accepted

  • Original Research Articles
  • Review Articles and Literature Surveys
  • Case Studies and Technical Reports
  • Short Communications and Concept Papers
  • Conference Papers (Extended Versions)

⏰ Important Dates and Timeline

  • Final Submission Deadline: 25th of each month
  • Initial Decision: Within 5–7 working days
  • Revisions & Final Decision: 7–10 days (if required)
  • Online Publication: Between 28th–30th of each month
  • Print Issue Dispatch: Within 10 days of online publication

🧾 Publication Benefits

  • Rapid Review and Publishing Process
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International Journal of Research (IJR)
Where Knowledge Meets Impact

Quanloop: A Modern Alternative to Traditional Investments

In today’s dynamic financial landscape, investment has transcended the realm of banks and institutional portfolios. More individuals are exploring alternative avenues to grow their wealth. One such platform gaining traction is Quanloop, which presents itself as an accessible, flexible option with micro‑investing features rivaling traditional assets.

As reported on Business Review, Quanloop allows users to micro‑lend in increments as small as one euro for just 24 hours, with the freedom to reinvest each day. This setup offers an attractive blend of liquidity and returns—benefits that invite closer examination by savvy savers looking beyond standard investment vehicles.

Photo by Lukas on Pexels.com

What Makes Quanloop Stand Out?

Quanloop’s core proposition revolves around simplicity and transparency. Users commit small amounts daily: they deposit one euro (or more), which is then pooled with others’ funds at a fixed interest rate. After 24 hours, the capital plus interest returns to the user’s account automatically—unless they decide to withdraw. If funds are withdrawn, they simply do not contribute to the next day’s pool, and the system adjusts accordingly. The collective funds are later deployed into Quanloop’s long‑term loan portfolio, generating returns for investors while financing partner businesses.

Who Should Consider Quanloop?

One of Quanloop’s strongest selling points is its low barrier to entry. With just a single euro, even individuals without significant capital can begin participating. This makes it ideal for first-time investors or those seeking to diversify their portfolios. For traditional investors in stocks or bonds, Quanloop offers a complementary asset class, allowing for experimentation within a broader investment strategy. It is a stable method of alternative investment within Europe, especially notable for its balance between risk and return.

Diversification Through Risk‑Tiered Plans

While Quanloop doesn’t diversify across asset classes like equity or real estate, it does offer three risk‑tiered investment plans—low, medium, and high. Each plan is designed to align with an investor’s risk tolerance, financial objective, and investment horizon. By capping allocations in higher‑risk plans, Quanloop mitigates potential losses without dramatically sacrificing yield. This strategic structuring surpasses some conventional risk‑limiting methods by offering tailored diversification within the lending model itself.

A Word of Caution on Risk

Quanloop investments are not backed by any government guarantee or insurance scheme. There is no built‑in protection policy as one might find with banks. Instead, the platform operates as a marketplace, matching retail investors with business borrowers seeking wholesale financing. Investors must therefore recognize and accept the inherent risks of lending to businesses.

Strategically, it’s advised not to allocate all funds into high‑risk categories. A balanced approach—such as placing up to half of one’s portfolio in medium risk and a smaller portion in high risk—can reduce exposure while maintaining growth potential.

Getting Started with Quanloop

Registering and investing in Quanloop is straightforward and fee‑free. The platform streamlines onboarding by allowing registration via email or supported social media accounts, eliminating the need for an additional password. Verification is required—investors must confirm identity and current address. Once verified, users can fund their accounts via bank transfer and begin lending immediately.

Final Thoughts

Quanloop offers a compelling alternative to traditional investment avenues, packing accessibility, ease of use, and liquidity into its model. With low entry thresholds, daily returns, and a tiered risk structure, it is a strong contender for individuals looking to diversify without diving into complex asset management. However, like any investment, it’s not without risk. There are no guarantees, so it remains crucial that investors are comfortable placing their capital into such platforms.

Ultimately, Quanloop is well suited for those seeking a fresh, manageable approach to investing—especially if you prefer flexibility and micro‑investment over conventional instruments.