Excerpts from “Atomic Habit” Mastery requires patience and practice. If you want to master a habit, the key is to start with repetition, not perfection. Building better habits isn’t about littering your day with life hacks. Snow is a poor substitute for soil. First, decide who you want to be….

Customer personas for your target audience An important marketing concept is defining your ideal customer (customer persona, the buyer persona, marketing persona, or audience persona). A customer persona represents a group of similar people in a desirable audience. They can help you figure out how to reach people at the…

What are Digital Marketing and E-commerce? The term “e-commerce” describes the online purchasing and selling of products and services. The four main kinds of e-commerce transactions are: digital products (like ebooks or online courses), physical products (like books or home goods), services (like holidays or doctor visits), and software (like…

Electronic payments that are processed within seconds and credited from one bank to another, without an intermediary, are instant payments. Checks, RTGS, EFT/ACH, cards had their concerns related to delays, frauds, AML check, batch processing delay, hidden charges, etc. Some could not handle Peer2Peer transactions. Instant payments have low cost,…

User on an e-commerce website is about to check out (the purchase page is given by the purchase service provider): e-commerce website’s Backend Payment System (BPS) will call the API of the chosen 3rd PSP (3PSP) and register a payment session with unique check out ID. 3PSP will give a…