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Russia-Ukraine War Separating Children from Parents

By Duggan Flanakin

A report issued last September by Human Rights Watch cited Russian media reports that over 3.4 million Ukrainians — including 555,000 children – had “entered” the Russian Federation from Ukraine. The humanitarian organization called these transfers “a serious violation of the laws of war that constitute war crimes and potential crimes against humanity.  

As millions of other Ukrainians fled to neighboring, friendlier countries, the impact on children separated from immediate and extended family members (including those with one or both parents on active military duty) has been horrendous. The impact is greatest, perhaps, on children with one parent siding with the Russians and the other siding with the Ukrainians. If (when) the war ends, many of the children from these broken families may well become the subjects of international custody battles.

Of particular note is that both Russia and Ukraine – and nearly all other nations housing Ukrainian refugees – are among the 82 signatories to the Hague Convention on the Civil Aspects of International Child Abduction. The convention only addresses cases in which one parent unlawfully transports a child to another country in violation of legal agreements. There is grave concern among human rights organizations that many children’s lives will be irreparably harmed by being separated from the lawful custodial parent.

The Hague Convention was adopted unanimously in 1980 by all nations participating in the 14th Session of the Hague Conference on Private International Law. It was initially crafted to prevent the abduction of a child by the non-custodial parent – most often the father – to an unknown destination and to ensure that the child be returned to his or her principal caregiver and habitual environment. But real-world data indicate that the initial assumptions of the Hague signatories were incorrect.

The Hague Domestic Violence Project was begun in 2003 with the goal of clearly establishing child exposure to domestic violence as an exception to the otherwise required return of the child to the country of habitual residence under the Hague Convention. The project is currently housed at the American Bar Association’s Commission on Domestic and Sexual Violence. But progress has been slow – and incomplete – despite a preponderance of evidence.

In a 2010 Time Magazine article reporter Mirela Iverac cited research from Jeffrey Edleson and Taryn Lindhorst that found the Hague Convention is often used against women seeking safety for themselves and their children from violent husbands. An earlier study by British law professor Nigel Lowe had found that more than two-thirds of alleged abductors in Hague cases were women, the majority of whom had their children ordered to be returned to another country.

Since this research was first made public, there have been numerous attempts to update and revise the Hague Convention to better protect children and their fleeing parent from an abusive partner (noting that since the document was first signed, same-sex marriages have become legal in many if not most of the signatory nations).

In 2020, the European Parliament’s Committee on Legal Affairs (JURI Committee) issued a 40th year report on the successes and challenges of the Hague Convention, in which it recommended that more needed to be done in terms of prevention of abductions. Among the recommendations were harmonization of the relocation proceedings and principles, enforceability of mediation agreements, and increasing the autonomy of the parties through inclusion of residence and custody plans in prenuptial agreements. 

A U.S. State Department travel advisory outlining reasons why the Hague Convention matters lays out the framework for countries to work together in specific ways to resolve international abduction cases. According to State, a parent without a custody order may be able to prove violations of custodial rights and the immigration status or nationality of the parties cannot determine whether the child must be returned to the habitual residence. 

But State also asserted that the U.S. government is powerless in its attempts to coerce foreign nations to obey the Hague Convention. These court cases can be quite messy and time-consuming – despite the treaty’s goal of having children returned to their habitual residence within six weeks of a parent filing a Hague Convention petition. As might be expected, political considerations may come into play – and that is likely going to the case with Ukrainian children taken to Russia.

White Ribbon USA was founded by Veronika Mudra, a former refugee from Ukraine who received asylum in the U.S. as a victim of domestic violence. She says her organization has “a unique mission of engaging government representatives, thought leaders and activists to end violence against women and to reform the Hague Convention treaty so that a child is not separated from a parent abused by a former partner.

Mudra notes that domestic violence knows no border and is a truly global concern. She lauds the crafters of the Hague Convention for their efforts to safeguard victims of domestic violence and their families. In the U.S. alone, domestic violence hotlines receive about 21,000 calls every day.

But, she says, while the initial goal was to bring children back “home” where custody and access issues can be addressed by local courts, the sad reality is that children sent back to certain countries and to certain homes face grave consequences. All too often the abusive partner/parent has been able to twist the law to regain custody or access that results in further harm to the child and the victim of domestic violence. 

White Ribbon USA has produced the film Reunited, which is based on the true story of a Ukrainian refugee mother whose child was returned to a proven abuser by the Hague Convention despite a California court’s assessment of the “grave danger” posed to the child. It focuses on the cyclical nature of domestic violence and immigrant families who are at greatest risk and shows how the well-meaning Hague Convention has been used to re-victimize those who had escaped domestic violence. 

Mudra has also created White Ribbon Ukraine, located in Kviv, to assist displaced parents address both domestic violence and child kidnapping. White Ribbon has been developing support programs for refugees who have suffered from domestic violence, with special emphases on workplace gender equality, early gender equality education for children, affordable and supportive housing, and female economic empowerment. 

White Ribbon USA has also been gathering resources to provide urgently needed assistance to the Ukrainian people. This has included humanitarian and medical aid, warm clothing, and other provisions to civilians and soldiers through partner organizations Revived Soldiers Ukraine and Georgian National Legion. White Ribbon has also reprogrammed its mobile app for Ukraine to serve as a platform against human and child trafficking and submitted an official humanitarian plea to the U.S. government to support Ukraine. 

But most of all, from her own experiences and those of the many whom White Ribbon has assisted since its founding, Mudra continues to seek partners for true reform of the Hague Convention that is long overdue.

About the Author

dugganDuggan Flanakin is a senior policy analyst at the Committee For A Constructive Tomorrow who writes on a wide variety of public policy issues.

Best Indian Dating Sites to Start Dating Indian Women

indian dating sites

Welcome to the world of Indian dating. India is a diverse and culturally rich country located in South Asia. The country is known for its bustling cities, vibrant colors, and delicious cuisine. However, dating an Indian woman can be challenging as Indian dating culture is deeply rooted in traditions and customs. That’s why we collected all the useful data concerning dating Single Indian females for interested Westerners. Сheck out this article and get only positive relationship experiences.

8 Best Indian Dating Sites To Find Indian Women

Online dating has taken the world by storm, and Indian dating sites have sprouted up like mushrooms in the monsoon. Our team of experts has curated a list of the top Indian dating sites that are guaranteed to help you find that special someone. We’ve done the dirty work, digging deep to explore every site, every nook, and cranny, so that you don’t have to.

  1. EasternHoneys – Best for those in search of romantic trysts and companionship amidst exotic Indian singles, with plenty of interactive tools to help you navigate the choppy waters of online dating.
  2. AsianMelodies – Best for those looking for a modern dating experience, this prominent player in the online dating industry offers an extensive range of chat templates and real gift delivery options, you’re bound to find an Indian girl who piques your interest.
  3. SakuraDate – Best for those seeking an exotic romance. With their extensive database, user-friendly interface, and wide range of search parameters, you’re sure to find Indian girlfriends of the highest quality. 
  4. OrchidRomance – Best for those seeking a traditional dating experience, this platform is one of the best asian dating sites that helps men from all over the world meet respectful and gorgeous Indian singles.
  5. IndianCupid – Best for selecting a nonresident Indian girlfriend based in your country among verified detailed profiles and connecting with her through instant messenger.
  6. TheLuckyDate – Best for those on a budget. Their unique matching system works tirelessly to help both men find their perfect Indian partner from around the world.
  7. LoverWhirlBest for Western men seeking to chat and date attractive Indian singles, with a focus on connecting users in real-time streams.
  8. PhiliTalks – Best for men looking for a user-friendly international dating website that offers a free credit package for new members, along with a newsfeed and detailed profiles of Indian females to help find potential matches.

Now, let’s take a more in-depth look at each of these websites so you can find a lady from one of the most culturally rich countries in the world!

EasternHoneys

EasternHoneys

Looking for a modern and convenient platform to date Indian ladies? Look no further than EasternHoneys, where you’ll find a range of exciting features to make your experience unforgettable. With template icebreakers to help start a conversation in the chat rooms and the ability to send up to 3,500 characters in your messages, EasternHoneys makes it easy to connect with Indian singles. Whether you’re an experienced online dater or just starting out, EasternHoneys offers a user-friendly interface that makes it simple to find and chat with compatible matches.

Site easternhoneys.com
Good for Connecting with single girls from India
Monthly Visitors 150K+
Girls online Over 3K

?What users like:

  • Plenty of communication tools to make conversation nice and easy
  • Great user interface that is intuitive
  • Large database of Indian singles
  • Free credits for newcomers

?What users dislike:

  • Payment is required for most interactions

?Credit prices:

$9.99 20 credits 
$19.99 50 credits
$44.99 125 credits
$69.99 250 credits
$149.99 750 credits

✔️So, if you’re looking for a top Indian dating site, EasternHoneys is definitely worth considering. Don’t hesitate – register today and get your welcome bonus!

AsianMelodies

Asian Melodies

If you’re searching for a platform to connect with an Indian single, AsianMelodies is a fantastic Indian dating site. With a broad range of females from all over India, you can specify your search to find someone from a specific area. The Indian dating site offers premium features along with detailed profiles, making it a great choice. While messaging and mailing require payment, they come with fantastic tools such as templates, emojis, and stickers. You can also attach media content. Additionally, AsianMelodies allows members to make live-stream sessions, making it a unique Indian dating app worth considering.

Site asianmelodies.com
Good for American men starting to date Indian women
Monthly Visitors 700K+
Girls online 5.5K+

?What users like:

  • Crystal clear layout and design
  • All profiles are verified
  • Newsfeed feature that updates with photos
  • Virtual gift-giving options

?What users dislike:

  • Customer support could be a little bit more responsive

?Credit prices:

$9.99 20 credits
$28.99 50 credits
$64.99 125 credits 
$99.99 250 credits

✔️Don’t wait any longer, sign up for AsianMelodies now and start your journey to finding your perfect match among the diverse range of Indian beauties on the site!

SakuraDate

Sakura Date

If you’re seeking to find your ideal match from India, SakuraDate.com is one of the best international dating websites to explore. With a straightforward and free registration process, you can quickly create your profile and start browsing the site’s quality visual content. The site operates on a credit system, which means there are no mandatory payments or memberships required to start dating. Additionally, new users can enjoy a trial period and receive free credits. With professional customer support available 24/7, SakuraDate is a secure and safe dating site that offers a great dating experience. 

Site sakuradate.com
Good for Finding the perfect Indian companion
Monthly Visitors 110K+
Girls online 2.5K+

?What users like:

  • Excellent customer support that is available around the clock
  • Free credits for newcomers
  • Trial period for newly registered users
  • Thousands of verified Indian women

?What users dislike:

  • The credit system is not as flexible as it could have been

?Credit prices:

$3 35 credits
$19 50 credits
$33 100 credits
$75 250 credits
$100 400 credits
$200 1000 credits

✔️Ready to find your perfect Indian companion on SakuraDate? Sign up now and start browsing for free!

OrchidRomance

Orchid Romance

OrchidRomance, the ultimate Indian dating site, offers a plethora of features, an efficient search system, and top-notch profiles to bring you closer to your dream partner. Whether you’re looking to connect with someone new or share your interests with a like-minded individual on Indian dating apps, OrchidRomance has got you covered. Don’t know how to approach ladies on Indian dating apps? No worries! The platform offers excellent options like chat templates and “Say Hello” feature to help you break the ice and initiate conversations effortlessly.

Site orchidromance.com
Good for Finding a spark with girls from all over India
Monthly Visitors 1.2M+
Girls online 11.5K+

?What users like:

  • Ability to gain insight into the lifestyle of potential matches through the live stream feature
  • Effectiveness of the search function that allows for filtering by various criteria 
  • Large female Indian user base
  • Option to attach photos for free in mail 

?What users dislike:

  • Receiving videos is paid

?Credit prices:

$10 20 credits 
$20 50 credits
$45 125 credits
$70 250 credits
$150 750 credits

✔️So why wait? Sign up today at OrchidRomace and say hello to your potential Indian matches!

IndianCupid

Indian Cupid

IndianCupid is a reputable online dating site that connects Western men with Indian beauties from all around the world. It offers a unique opportunity to meet Asian women, who are known for their attractiveness and rich culture. The site has been in function since 2000 and is operated by Cupid Media. The IndianCupid website offers a large member base, a matching tool, advanced search, and instant messaging to make your search for true love fun, interactive and memorable. Additionally, the mobile app is available for Android users, making it easy to use the platform on the go.

Site indiancupid.com
Good for Establishing long-term relationships with ladies from India
Monthly Visitors 42K+
Girls online 1.5K+

?What users like:

  • Sending messages to matches with a premium subscription is free
  • Diverse user base of Indian women
  • Genuine verified profiles
  • Advanced search filters

?What users dislike:

  • No iOS application

?Premium membership plans prices:

Gold Membership
1 week $7
1 month $13.99
3 months $8.99 per month
12 months $4.58 per month
Platinum Membership
1 week $9
1 month $17.98
3 months $12 per month
12 months $5.83 per month
Diamond Membership
1 week $18
1 month $35.97
3 months $23.99 per month
12 months $11.66 per month

✔️So, if you’re tired of swiping left and right without finding your perfect match, register on IndianCupid and you encounter your Asian soulmate!

TheLuckyDate

The Lucky Date

TheLuckyDate is one of the best Indian dating apps that offer a great way to meet stunning Indian ladies. It may not have an extensive range of features like other legitimate dating apps, but it’s still a great option for those who want to find their match easily. You can browse through this Indian dating app for free, add some fascinating details about yourself, and start searching as soon as you sign up!

Site theluckydate.com
Good for Casual and serious relationships with an Indian woman
Monthly Visitors 500K+
Girls online 7K+

?What users like:

  • The flawless matching system
  • Clean and easy-to-use user interface
  • Lots of free features
  • Mobile friendly site

?What users dislike:

  • The costs can add up quickly if you’re not careful

?Credit prices:

?FREE (for Newcomers) 2000 credits
$3.49 2000 credits
$44.99 12500 credits
$69.99 25000 credits
$149.99 75000 credits

✔️Join TheLuckyDate today and enjoy a hassle-free way of meeting and chatting with beautiful Indian women.

LoverWhirl

Lover Whirl

If you’re looking for something a bit out of the ordinary, then LoverWhirl might just be your cup of tea. This online dating platform for men in the West and women in India offers a wide variety of free features that can get your heart racing. You can even watch the ladies’ live streams without having to open your wallet, now ain’t that something? The best part? You don’t have to sign up for any premium plan to enjoy the site’s features. Instead, new members get free credits, and you can top up your account with credit packs whenever you want to.

Site loverwhirl.com
Good for Men looking for eager Indian ladies
Monthly Visitors 82K
Girls online 60K

?What users like:

  • Viewing members’ posts on the newsfeed
  • A sign up process that’s a breeze
  • A personality test that is fun and unique

?What users dislike:

  • Some profiles are without profile pictures

?Credit prices:

9.99 USD 20 credits
9.99 USD 50 credits
44.99 USD 125 credits
69.99 USD 250 credits
149.99 USD 750 credits

✔️Take a leap of faith and sign up for LoverWhirl today. You never know, your perfect match could be just a few clicks away.

PhiliTalks

Phili Talks

PhiliTalks has revolutionized the world of dating sites for Indian in USA with its unique approach and modern solutions. Upon signing up for free, you’ll be required to complete a personality test to aid you to meet Indian singles. By providing details about you, your potential partner, and your goals on PhiliTalks, you can find Indian singles that are the perfect match for you. Plus, with great profile quality, including short bios, interests, relationship status, and personality types, along with the ability to upload photos and videos, PhiliTalks is one of the top Indian dating sites.

Site  philitalks.com
Good for Men searching for a perfect Indian partner
Monthly Visitors 80K+
Girls online 4K+

?What users like:

  • The online feature displays which members are currently active
  • The “People” section on the site makes searching for potential partners both easy and entertaining
  • Access to a wide variety of stickers and virtual gifts,

?What users dislike:

  • No option to communicate via video chats

?Credit prices:

$2.99 (on initial purchase) 20 credits
$9.99 20 credits
$19.99 50 credits
$44.99 125 credits
$149.99 750 credits

✔️Sign up today for PhiliTalks and experience the convenience of searching for your perfect match on one of the most popular Indian dating apps available.

How do Indian Dating Sites Work

Indian Dating

If you’re interested in finding your perfect match through dating apps and Indian dating websites, here are some tips to help you get started:

  1. Choose a reputable and secure dating site: Research and choose a reliable online dating site that caters to Indian singles. Avoid new Indian dating sites and look for the best sites to find Indian women.
  2. Create an attractive profile: Take the time to create a profile that showcases your best qualities and personality. Highlight what makes you unique and interesting to start dating an Indian girl
  3. Use search filters: Narrow down your search by using the site’s search filters. You can filter by age, location, interests, and more to meet single Indian women.
  4. Communicate effectively: Once you’ve found someone you’re interested in, start communicating with them. Take your time and show genuine interest in getting to know them better. Respectful communication when you meet single Indian ladies.
  5. Utilize additional features: Many Indian dating apps offer additional features like translation services, video chat, and gift delivery. Take advantage of these tools to build a stronger connection on professional Indian dating sites.
  6. Meet in person: If you feel like there’s a real connection, plan a meeting in person. However, be sure to do your due diligence and ensure you’re both on the same page on legit Indian dating sites before taking things further with Indian single women.

Remember, finding the right match on Indian online dating sites takes time and patience, but with these tips, you’ll be on your way to success in no time!

Tips To Avoid Scams on Indian Dating Services

Dating Indian Women

Most popular Indian dating sites are full of opportunities to meet new people and find love, but it’s also important to stay safe and avoid scams when you find Indian girls online. Here are some tips to help you navigate the potential pitfalls of online dating:

  1. Do your research: Before signing up for any Indian dating service, take the time to research the best online Indian dating apps and read reviews from other users. Look for any red flags such as reports of scams or fake profiles even on the most popular Indian dating sites.
  2. Use reputable dating services: Stick with the best online Indian dating sites that have a good reputation for safety and security. Find Indian dating sites with good reviews.
  3. Beware of fake profiles: Scammers often create fake profiles of an Indian woman seeking man to lure in unsuspecting victims. When browsing dating sites to meet Indian girls, be wary of profiles with very few pictures or little information about the person.
  4. Don’t share personal information too soon: Avoid sharing personal information like your full name, address, or phone number until you’ve built a rapport with someone and feel comfortable doing so. The best Indian dating sites for Americans are those with verified personal information.
  5. Watch out for money requests: If someone you’ve met online starts asking for money or financial information, it’s likely a scam. Be very cautious and do not send money or give out your financial details.
  6. Take it slow: Don’t rush into anything and take your time getting to know someone before meeting in person or sharing personal details. The best Indian dating apps don’t have girls who rush into things

Remember, dating apps can be a great way to meet new people and find love, but it’s important to stay safe and protect yourself from scams and fraud.

How To Choose The Right Indian Dating Website?

meet indian women

Before getting too excited to meet these sexy Indian women, let’s take a look at the important factors you need to consider so you can choose from the correct foreign dating sites!

  1. Don’t fall for flashy ads: Just because a dating site has a flashy ad or a catchy jingle, it doesn’t mean it’s legit. Don’t be fooled by the fancy marketing – take the time to research the site and make sure it’s trustworthy.
  2. Check for customer reviews: Before you sign up for any Indian dating website, check out what other people are saying about it. Look for reviews from real customers, not just testimonials on the site itself.
  3. Verify the site’s security: Make sure the site is secure and uses encryption to protect your personal and financial information. Look for the lock icon in your browser’s address bar and make sure the site’s URL starts with “https.”
  4. Check for customer support: A reputable dating site will have a customer support team available to help you with any questions or issues. Test out the support system by sending an email or starting a chat to see how responsive they are.
  5. Don’t trust free sites: While there are some legitimate free Indian dating sites out there, many are just fronts for scams or malware. Stick with sites that require a paid membership to ensure a higher level of security and authenticity.
  6. Look for a diverse user base: A good Indian dating site will have a diverse user base with members from different regions, religions, and backgrounds. This will give you a better chance of finding someone who shares your interests and values.
  7. Use your gut: Ultimately, the best way to choose a dating site is to trust your instincts. If something seems off or too good to be true, it probably is. Use common sense and take your time to find the right site for you.

Conclusion

Well, we’ve come to the end of our journey through the Indian dating world. From the top 7 Indian dating sites to how they work and tips to avoid scams, we’ve covered a lot of ground. At the end of the day, online dating can be a fun and exciting way to meet new people and potentially find love. With the right approach and a bit of luck, you never know who you might meet. So, take the plunge and give it a try – who knows, your perfect match could be just a click away.

FAQ

What are the best dating sites to find Indian women?

There are several Indian dating sites that can help you find Indian women. Some of the most popular and reputable ones include TheLuckyDate, AmourMeet, and OrchidRomance. Be sure to do your research and choose a site that caters to your specific dating preferences and needs.

What is the dating culture like in India?

Dating culture in India can vary depending on the region and individual beliefs. Traditional Indian society places emphasis on arranged marriages, but modernization and Westernization have led to more liberal attitudes towards dating. In urban areas, dating has become more common and accepted, but it is still not as prevalent as in Western countries. 

Are Indian dating sites safe to use?

Most Indian dating sites are safe to use, but it’s essential to choose reputable and secure websites. Be careful not to share your personal information with strangers and avoid sending money to people you meet online. Keep in mind that scams and fraudulent activities exist on online dating platforms, so always be cautious and use common sense.

Uber Accidents: 5 Important Things Accident Victims Should Know

Uber Accidents

Rideshare services like Uber have changed how people travel in major cities worldwide. But while such services offer various benefits, some risks still persist, including traffic accidents, as is the case with many activities on the road. There are no particular scientific laws governing Uber accidents.

They could involve anyone, including the driver, passenger, pedestrians, or all the above, no matter how cautious you are. Learning how to act in such situations is essential.

The California rideshare act insists that victims should consider their insurance first following injuries from an accident. The 2019-2020 Uber safety report shows that around 91 fatal accidents were reported, and the number of deaths was about 101. 

If you happen to be a San Jose resident, for instance, and have been in a rideshare accident,  following proper steps, including speaking to a San Jose rideshare lawyer, is essential. The success of your case depends on the steps you take right after your accident. Here’s what you need to know:

Have the driver pull over to a safer spot and call 911

It can be tough to keep calm after an accident. You may even be tempted to leave the scene if you suspect you will be blamed. Nothing will make you look more guilty. In such situations, the best thing to do is dial 911 so the dispatcher can send emergency responders and the police. 

They will provide emergency medical help and record your injuries and the incident. They may also recommend you go to the hospital.

Go to a hospital

If the emergency responders recommend it, go to a nearby hospital or clinic immediately. Some injuries may be life-threatening. The sooner you get treatment, the better the chances of survival.

You can move to the next steps if you don’t need immediate medical attention. But ensure to visit the hospital after you are done at the accident scene. Delaying your hospital visit until your condition worsens can damage your chances for a successful claim.

The defense may argue that you delayed going to the hospital because you weren’t seriously injured or your condition wasn’t even caused by the accident. Going for treatment so doctors can take scans, record, and treat your injuries provides evidence for a strong case. Please, tell your doctor how you feel, and don’t forget to mention any injuries or pain, even if they are small. 

Collect evidence and speak with eyewitnesses

The first responding officers will gather various information and evidence from the scene but don’t think it will be enough to build your case. Collect some yourself, too, if you can. Take pictures and videos of the accident scene, injuries sustained, damaged vehicles, debris, etc. Talk to eyewitnesses to get filler information.

Eyewitnesses are people who might’ve seen the accident. They can help support your claim, so get their contacts and names. Also, talk to the responding officers to know if they’ll make an official report so you can get a copy.

Police reports aren’t admissible in California courts but help establish a basis for liability and also identify and track witnesses.

Talk to Uber

Uber maintains a million-dollar insurance policy for such matters. Usually, the claim is handled by one of their insurers. It could be Allstate, Liberty Mutual, Progressive, etc. They will send their adjuster to investigate and determine damages. The timing of the accident matters.

Uber insurance only applies if the driver was online during the accident. Otherwise, you need to deal with the driver’s personal insurer, and that can be a pain if they have none. 

Accidents that happen when the driver is online but not actively carrying passengers are covered under the rideshare’s third-party insurance. Just ensure to notify the company in time lest they find excuses to wriggle out of paying the claim.

Talk to a lawyer

You should hire a qualified rideshare accident attorney to get the rightful compensation you deserve. An unaffiliated attorney will provide better and more trustworthy representation. They will collect evidence, determine damages, and build a strong case.

The Gambling Landscape in Zambia

Zambia, a country located on the east coast of Africa, has long been associated with safari parks and Victoria Falls. However, as the country develops as a tourist location, other areas have also started to grow such as the gambling industry. Overall the country has 11 casinos. All but one of them are located in the capital of the country Lusaka, with the odd one out situated in Livingstone, the former capital. With that in mind, let’s look at the gambling landscape in the country.

Online Casinos 

Zambia has over six million active internet users which has contributed to the growth of online casinos and betting. A 2019 report by Alexa showed two gambling companies appeared in the top 20 most visited sites in the country, which highlights the level of competition in this area. Sites such as Bwin offer an online casino in Zambia for gamblers to play several different versions of slot games. Users can also play other games like blackjack, table games or roulette. As technology develops in the country, so too will the online gambling industry. But it is not only the online industry that is growing.

In-Person Casinos 

Casinos in Lusaka, the capital of over three million people are luxuriously named after some of the most famous global casino destinations: Great Wall, Monte Carlo and Venice to name a few. These casinos offer the usual array of games like poker, baccarat and slots. As with many gambling destinations around the world they are located in hotel chains that have started operations in the country such as the Radisson Blu and Fairmont resorts, hoping to attract tourists with disposable income to spend.

Factors Driving Development

On the online side of things, there are certain factors driving growth. As mentioned, nearly 40% of the population have access to internet services. However, another aspect of technology driving gambling growth in the country is the cashless payment industry. Betting companies have partnered with cashless payment providers to facilitate transfer of money for users from their bank accounts to accounts on gambling sites. This has allowed more users to access online gambling sites.

When considering gambling in southern African countries, it is also important to remember the influence of China. Zambia is reported to have the most Chinese lenders of any other African state. China also owns up to 70% of the country’s construction industry. As Chinese money helps to develop infrastructure in Africa, gambling infrastructure will develop too in a bid to attract Chinese tourists. As Zambia develops as a gambling destination, it will aim to bring more visitors from the Asian country, especially those who want to try something different from Macau.

Macau

The digital connectivity of Zambia is increasing as well as its tourism industry. This can only have a positive effect on the gambling industry. While, a spillover effect from neighboring countries such as South Africa, which is well known for its casinos, will also positively affect Zambia’s domestic industry. The same effect has already been witnessed in regard to the safari industry with more visitors coming to Zambia for a different experience.

Key Principles of Lending Software Development

Key Principles of Lending Software Development

In today’s digital age, loan organizations face increasing pressure to streamline their operations, improve customer experiences, and stay ahead of the competition. One way to achieve these goals is through the development of lending software tailored to their specific needs. The development process involves building robust and secure applications that facilitate loan origination, underwriting, servicing, and management processes. In this article, we will explore the key principles of lending software development and understand why they are crucial for successful implementation.

Understanding Lending Software Development

Definition and Overview

Lending software development refers to the process of designing, building, and deploying software applications that cater to the unique requirements of lending institutions. These solutions automate and optimize various lending activities, enabling financial organizations to offer faster and more efficient services to their customers. Lending solutions can encompass a wide range of functionalities, including loan origination, credit scoring, risk assessment, document management, repayment tracking, and reporting.

Importance of Lending Software Development

The adoption of loan apps and platforms brings numerous benefits to financial institutions. It empowers them to enhance their operational efficiency, reduce manual errors, improve risk management, and provide a seamless customer experience. Lending software enables the automation of repetitive tasks, reduces paperwork, and enables real-time data analysis, leading to faster decision-making and reduced turnaround times. Furthermore, it ensures compliance with regulatory standards and enables lenders to stay up-to-date with the ever-evolving lending landscape.

Key Principles of Lending Software Development

To develop an effective loan solution, several key principles should be considered. These principles ensure that the software meets the requirements of both the lending institution and its customers, while also adhering to industry best practices and regulatory guidelines. Let’s delve into these principles in detail:

Security and Data Privacy

Online lending services deal with sensitive customer information, such as personal identification details, financial data, and credit history. Therefore, robust security measures must be implemented to protect this information from unauthorized access, breaches, and fraud. Encryption, access controls, and data encryption techniques are some of the security measures you should take into account. Additionally, compliance with data privacy regulations, such as GDPR or CCPA, is crucial to ensure the protection of customer data and maintain trust.

User-Friendly Interface

A user-friendly interface is vital to ensure a seamless user experience. Your solution should have an intuitive and easy-to-navigate interface, allowing users to quickly access the required functionalities. Clear and concise menus, well-designed forms, and informative tooltips contribute to a user-friendly experience. By focusing on usability, a good loan platform can reduce training requirements, minimize user errors, and increase user adoption rates.

Scalability and Flexibility

Lending institutions experience fluctuations in loan volumes and business requirements. Therefore, the software they provide should be scalable and flexible enough to accommodate growth and adapt to changing needs. Scalability ensures that the software can handle increased transaction volumes without compromising performance. Flexibility allows for customization and configuration to align with specific lending processes and workflows. This adaptability helps lenders to scale their operations, introduce new products, and meet evolving customer demands efficiently.

Integration Capabilities

Lending software often needs to integrate with various systems and third-party services, such as credit bureaus, payment gateways, and document management platforms. Seamless integration is crucial for data synchronization, process automation, and providing a holistic view of borrower information. APIs (Application Programming Interfaces) and standardized integration protocols enable secure and efficient communication between different systems, ensuring a smooth flow of data and minimizing manual data entry.

Automation and Efficiency

Automation is a key aspect of building applications for loans. By automating manual and repetitive tasks, such as data entry and document generation, lending software improves operational efficiency and reduces human errors. Workflow automation ensures consistent and standardized processes, leading to faster loan origination, underwriting, and servicing. Automated notifications and alerts keep borrowers informed about their loan status, payment due dates, and other important updates.

Analytics and Reporting

By leveraging data, lending institutions can gain valuable insights into their lending portfolios, borrower behavior, and risk profiles. Advanced analytics capabilities enable lenders to make data-driven decisions, identify trends, and mitigate risks effectively. Additionally, comprehensive reporting features provide lenders with the necessary information for regulatory compliance, auditing, and performance monitoring.

Regulatory Compliance

Loan organizations operate within a highly regulated environment, and compliance with regulatory standards is of utmost importance. Their online services should incorporate features and functionalities that support compliance with relevant regulations, such as the Truth in Lending Act (TILA), Fair Credit Reporting Act (FCRA), and Anti-Money Laundering (AML) regulations. Automated compliance checks, document management, and audit trails ensure adherence to regulatory requirements, minimizing legal risks and potential penalties.

Customization Options

Every loan organization has unique processes, policies, and business rules. Lending software should provide customization options that allow lenders to configure everything according to their specific requirements. Customization options include the ability to define loan products, pricing models, credit scoring parameters, and workflow configurations. This flexibility ensures that the solution aligns with the lender’s business strategy and enables them to differentiate their offerings in the market.

Continuous Improvement and Upgrades

The lending industry is continuously evolving, and loan software must keep pace with technological advancements and industry trends. Regular updates, bug fixes, and feature enhancements are necessary to address emerging challenges, incorporate new functionalities, and improve overall performance. Proactive monitoring, user feedback, and collaboration with technology partners help identify areas of improvement and ensure that the solution remains up-to-date and effective.

Benefits of Implementing Lending Software Development

Implementing lending software development brings numerous benefits to lending institutions. Let’s explore some of these benefits:

Streamlined Loan Processing

Lending software automates manual tasks, reduces paperwork, and streamlines loan processing from origination to closure. This leads to faster turnaround times, reduced operational costs, and improved efficiency in loan management.

Enhanced Risk Management

Loan apps incorporate risk assessment tools that analyze borrower data, credit scores, and other risk indicators. By leveraging these tools, lending institutions can make informed decisions, mitigate risks, and ensure responsible lending practices.

Improved Customer Experience

Web and mobile loan solutions enhance the overall customer experience by providing a seamless and efficient loan application process. Borrowers can easily submit applications online, track their loan status in real-time, and receive timely updates. This convenience and transparency contribute to higher customer satisfaction and loyalty.

Cost Savings and Increased Efficiency

Automation and streamlined processes enabled by loan software result in significant cost savings for lending institutions. By reducing manual labor, minimizing errors, and optimizing resource utilization, lenders can achieve operational efficiency and cost-effectiveness.

Competitive Advantage

In a competitive lending landscape, implementing lending software development gives institutions a competitive edge. The automation, efficiency, and improved customer experience provided by the new service differentiate lenders and attract more borrowers.

Challenges in Lending Software Development

While building your own platform or mobile app offers significant benefits, there are also challenges to consider. They can be addressed by your in-house development team or a fintech software company you partnered with. Whatever approach you choose, you need to know what your team may be dealing with. The challenges include:

Data Security Concerns

Lending software deals with sensitive customer information, making data security a top priority. Protecting customer data from cyber threats, data breaches, and unauthorized access requires robust security measures and ongoing monitoring.

Integration Complexity

Integrating a new solution with existing systems and third-party services can be complex. Ensuring seamless data flow, compatibility, and security across different platforms and technologies requires careful planning and coordination.

Adhering to Regulatory Standards

The lending industry is subject to various regulatory standards and compliance requirements. Developing lending software that aligns with these standards and remains up-to-date with changing regulations is a challenge that requires continuous monitoring and adaptability.

User Adoption and Training

Introducing new lending software to an organization requires user adoption and training. Ensuring that employees are comfortable with all the features and trained to utilize them effectively is crucial for successful implementation.

Technology Obsolescence

Technology evolves rapidly, and loan software must keep up with the latest advancements. Over time, the software can become outdated, making it necessary to invest in upgrades and enhancements to maintain compatibility and performance.

Best Practices for Successful Lending Software Development

To ensure successful lending software development, consider the following best practices:

Thorough Requirements Gathering

Before embarking on software development, thoroughly gather and document the requirements of the lending institution. This includes understanding the organization’s unique processes, workflows, and desired functionalities.

Agile Development Methodology

Adopt an agile development methodology that emphasizes collaboration, flexibility, and iterative development. This allows for continuous feedback and adjustments throughout the development lifecycle.

Collaboration between IT and Business Teams

Encourage close collaboration between IT and business teams throughout the software development process. This ensures that the software meets business requirements while also addressing technical considerations.

Robust Testing and Quality Assurance

Implement rigorous testing and quality assurance processes to identify and rectify any issues or bugs before the software goes live. This includes functional testing, integration testing, and performance testing.

Ongoing Support and Maintenance

Provide ongoing support and maintenance for the lending software post-implementation. This includes addressing user queries, resolving issues, and staying proactive in addressing evolving needs.

Conclusion

Loan software development plays a vital role in optimizing lending operations, improving efficiency, and delivering exceptional customer experiences. By adhering to key principles such as security, user-friendliness, scalability, and automation, lending institutions can unlock the numerous benefits that lending software offers. However, it is essential to navigate the challenges and follow best practices to ensure successful software development and implementation.

FAQs

What is lending software development?

It involves creating tech solutions that automate and optimize lending processes, such as loan origination, underwriting, and servicing.

Why is data security important in lending software?

Data security is a primary concern for fintech in general since you should protect sensitive customer information, maintain trust, and comply with regulatory standards. Robust security measures, such as encryption, access controls, and data privacy protocols, ensure the confidentiality, integrity, and availability of data.

How does lending software improve customer experience?

Lending solutions enhance the customer experience by providing a seamless and efficient loan application process, real-time updates on loan status, and personalized interactions. It reduces paperwork, streamlines processes, and offers convenience, transparency, and self-service options to borrowers.

What are the common challenges in lending software development?

Common challenges include data security concerns, integration complexity with existing systems, adhering to regulatory standards, user adoption and training, and addressing technology obsolescence.

How can businesses ensure successful lending software development?

To ensure successful lending software development, businesses should gather thorough requirements, adopt an agile development methodology, foster collaboration between IT and business teams, conduct robust testing and quality assurance, and provide ongoing support and maintenance post-implementation.

Visit Chico, CA, For A Unique ATV Experience Your Family Won’t Forget

ATV Experience

Chico, CA, is a hidden gem for outdoor enthusiasts and adventure seekers. If you’re looking for a unique way to explore the great outdoors with your family, consider Offroad Rentals. With miles of off-road trails and stunning scenery, this is an experience your family will never forget. Offroad rental shops like Chico Offroad Rentals have various ATV and UTV vehicles to suit your family’s needs and skill level. Whether you’re a seasoned rider looking for a challenging trail or a beginner just starting, they have something for everyone. The experienced staff of these locations will provide you with all the necessary safety gear and instructions before sending you off on your adventure. Renting an ATV or UTV is not only fun but also allows you to access areas that are otherwise inaccessible by foot or car. 

Explaining the excitement of off-roading on ATVs

Off-roading on a UTV or ATV has become one of the most exciting outdoor activities for adventure enthusiasts. It offers an adrenaline rush like no other as you take on rough terrain and steep inclines. With the flexibility to explore various terrains, there’s never a dull moment when riding a UTV with family or friends. This is why ATV & UTV rental services have become increasingly popular.

For those who don’t own their own ATV but still want to experience the thrill of off-roading, an ATV rental is a great option. Their top-of-the-line ATVs are perfect for riders of all skill levels and come equipped with all necessary safety gear, such as helmets and goggles. Not only do they offer high-quality rentals, but their staff is also knowledgeable about the best trails in the area and can point you in the right direction based on your skill level and preferences. 

Exploring Chico’s Backcountry: Highlighting popular trails and destinations

Chico’s backcountry is a paradise for outdoor enthusiasts exploring some of California’s most beautiful and scenic trails. This area is known for its diverse terrain, making it an ideal destination for off-road adventures. With countless hiking trails, mountain biking paths, and off-roading routes available, there’s something for everyone here. One of the best ways to experience Chico’s backcountry is on an ATV or offroad vehicle. These powerful machines will allow you to easily navigate through rocky terrain, cross streams, climb hills, and navigate rough patches. You can rent ATVs from many different providers in the area, and they come equipped with everything you need to have a fun day exploring the wilderness. 

ATV Safety Tips: Reminder to prioritize safety while having fun

ATVs and UTVs can be great way to explore the outdoors and have some fun, but it’s important to prioritize safety while operating them. Whether you own an offroad vehicle, rent one for the day, or take one out on a guided tour, there are several essential tips to keep in mind. First and foremost, always wear protective gear like helmets, goggles, long pants, and sturdy shoes. This will help protect you in case of an accident. 

Another important safety tip is to avoid riding alone whenever possible. If you ride solo, ensure someone knows where you’re going and when you plan to return. Additionally, never operate an ATV under the influence of drugs or alcohol – this greatly increases your risk of injury or death.

Family-Friendly Fun: Emphasizing how off-roading can be a great bonding experience for families

Off-roading is a thrilling activity that can bring families closer together. Families can embark on exciting adventures that will create long-lasting memories with an offroad vehicle. Off-roading allows families to bond over a shared experience as they navigate challenging terrain and soak up the beautiful landscapes. They also offer a family-friendly way to enjoy nature while also getting the adrenaline pumping. Families can explore the great outdoors in a safe environment with experienced instructors on guided tours. Kids of all ages will love the excitement of bouncing around on an ATV and driving through muddy trails with their parents by their side. Not only will it provide hours of entertainment, but it’s also an excellent way to strengthen relationships through bonding experiences. 

Conclusion: 

If you’re looking for a unique outdoor adventure that your family will remember, Chico, CA, is a perfect choice. With miles of off-road trails and stunning scenery, this experience will provide endless thrills and unforgettable memories. Whether you are an experienced rider or new to ATVs, a rental or guided tour will fit your needs. Take advantage of this amazing opportunity to explore nature’s beauty with your loved ones. 

Driving Toward Success: How Uber Pro Helps Rideshare Drivers

Driving Toward Success

Uber has launched a new rewards program called Uber Pro, which is designed to help drivers earn more and provide a better experience for passengers. The program is available in select cities across the United States, and it rewards drivers for achieving certain performance metrics.

In this blog post, we’ll take a closer look at Uber Pro, how it works, and why it’s beneficial for drivers.

What is Uber Pro?

Uber Pro is a rewards program for drivers that is designed to help them achieve their goals and earn more money. It is available in select cities across the United States, and it rewards drivers for their performance on the platform. The program is tiered, which means that drivers can earn different rewards based on their performance. The more they drive and the better they perform, the higher their tier and the greater their rewards.

How does Uber Pro work?

To participate in Uber Pro, drivers must opt-in to the program and meet certain eligibility requirements. These requirements include a minimum rating of 4.85 stars, a low cancellation rate, and a minimum number of trips per month. Once a driver has met these requirements, they can start earning rewards through the program.

ProTip: Use optimised rideshare vehicles to qualify.

Uber Pro is based on a points system. Drivers earn points for every trip they complete, and they can earn bonus points for maintaining a high rating and completing a certain number of trips in a given time period. Points can be used to unlock rewards, such as cash bonuses, discounts on car maintenance, and even tuition reimbursement for online courses.

The program is divided into four tiers: Blue, Gold, Platinum, and Diamond. Each tier has its own set of rewards and requirements. For example, to reach the Gold tier, a driver must complete at least 100 trips per month and maintain a rating of 4.85 stars or higher. Drivers in the Gold tier can earn cash bonuses for completing a certain number of trips and receive discounts on car maintenance.

Why is Uber Pro beneficial for drivers?

There are several benefits to participating in Uber Pro. For one, it provides drivers with an incentive to perform better on the platform. By offering rewards for good performance, Uber Pro encourages drivers to maintain a high rating, complete more trips, and provide a better experience for passengers. This, in turn, can lead to more business and higher earnings for drivers.

Another benefit of Uber Pro is that it provides drivers with access to exclusive discounts and perks. For example, drivers in the Platinum and Diamond tiers can get discounts on long term car rentals for rideshare, which can help them save money on vehicle expenses. They can also receive priority support from Uber, which can be helpful if they encounter any issues on the platform.

Finally, Uber Pro provides drivers with opportunities to learn and grow their skills. By offering tuition reimbursement for online courses, the program encourages drivers to invest in their own development and improve their performance on the platform. This can not only lead to higher earnings but also provide drivers with valuable skills and knowledge that they can use in other areas of their lives.

Conclusion

Overall, Uber Pro is a valuable program for drivers who want to be more successful on the platform. By offering rewards for good performance, access to exclusive discounts and perks, and opportunities for growth and development, the program provides drivers with the tools they need to succeed. If you’re a rideshare driver looking to improve your performance and earn more money, consider joining Uber Pro and taking advantage of its many benefits.

Digital Transformation and Healthcare Innovation

Healthcare Innovation

By Klaus Prettner and David E. Bloom

Over the last decade, increased utilization of automation and digital technologies have allowed a full substitution of capital for labor for many tasks (see, for example, Acemoglu & Restrepo, 2018; Hémous & Olsen, 2018; Prettner & Strulik, 2020). Projections point to considerable potential for further replacement of humans by robots, 3-D printers, and artificial intelligence (AI) (Arntz et al., 2017; Frey & Osborne, 2017; Bloom et al., 2019). For example, Abeliansky et al. (2020) calculate in their baseline scenario that 37.9 million jobs worldwide will be automated from 2020 to 2030.

The consequences of the rise in adoption of these new technologies are widely and generally agreed to be i) increasing productivity and economic growth on the upside (Graetz & Michaels, 2018), and ii) rising inequality and challenging job prospects for low-skilled workers on the downside (Cords & Prettner, 2021). While the productivity and growth effects are straightforward, increasing inequality in this context has two sources. First, automation and digital technologies constitute a form of capital such that the income they generate is predominantly earned by the capital owners. Since capital income is much more unequally distributed than labor income, a rise in automation and digitalization that substitutes for raw labor generates a shift of the income share from low- to high-income individuals (Prettner, 2019). Second, since the substitution of low-skilled workers by automation and by digital technologies remains easier than the corresponding substitution of high-skilled workers (Arntz et al., 2017; Frey & Osborne, 2017), this technological change also has the effect of widening income gaps (Lankisch et al., 2019). In Prettner and Bloom (2020), we provide a detailed overview of the economic consequences of these developments and of policy responses to cope with some of the downsides of automation and digitalization, in general, and AI and robots in particular.

The COVID-19 pandemic has provided another strong boost to the use of automation and digitalization technologies. Modern information and communication technologies (such as remote teamwork facilitated by teleconferencing) have allowed firms and public agencies to continue operating even when social distancing protocols are in force. Only two decades ago, such a shift toward remote work would have been impossible because of the absence of suitable technologies. In addition, the threat of infection at the workplace and an ongoing labor shortage that is—to some degree—caused by fear of infection accelerated the adoption of automation technologies in the production and distribution of goods. These trends could further exacerbate inequalities because low-skilled workers typically benefit less from the enabling of remote work; they are also more likely to be substituted by the robots and 3-D printers that are increasingly relied upon in the wake of the COVID-19 pandemic.

There is, however, one area of the digital transformation that has the potential to lead to huge benefits across the socioeconomic spectrum: healthcare innovation.

Fleming (2018) reports that typically nine in ten attempts at developing new therapeutic drugs fail between phase I trials and regulatory approval. Thus, many firms have started using AI in the search for successful candidate drugs to reduce costs and raise success rates. Successful applications of such AI-based searches range from the development of drugs against cancer to the treatment of cardiovascular diseases. In addition, firms employ AI to classify genes and their roles in the future development of diseases, potentially offering a stimulus to personalized medicine in the future (Fleming, 2018). “Medical robots,” such as IBM’s Watson, are already highly proficient in diagnosing diseases and screening X-rays, tasks that require large storage capacities for medical knowledge and advanced pattern recognition skills. Soon, these devices could be of enormous help to doctors. Eventually, they may even come to outperform physicians due to the ongoing improvement in computing power and the increasing availability of training datasets relative to the limited capacity of human brains to store accumulated and relevant medical knowledge. Moreover, the scope and scale-up of 3D-printing of medical implants, prostheses, hearing aids, braces, replacement teeth, personalized drugs, and potentially even full-scale organs could make these precious items widely available and, in the long run, lower their prices to levels at which increasingly wide segments of the population could benefit (Abeliansky et al., 2020; PEW, 2020; Prettner and Bloom, 2020).

Automation and digitalization could also alleviate some of the burdens that confront individuals in an ageing society (Abeliansky & Prettner, 2017; Acemoglu & Restrepo, 2021) with a deteriorating health status. While robots could assume the physically demanding jobs that older adults have difficulties performing, robotic exoskeletons might help care assistants and nurses to lift patients on and off beds, toilets, and examination tables (Financial Times, 2019; The Economist, 2019). Such developments, in turn, would imply better working conditions for several professionals in the healthcare sector, particularly those who are expected to be in high demand in ageing societies. Even the loneliness of older adults or patients with illnesses that limit their social participation could, to some degree, be counteracted by humanoid robots and those in the form of therapeutic companion animals. Autonomous cars and delivery robots could be very helpful to those who are unable (or lack confidence) to drive due to illnesses. This innovation would help serve the high demand for mobility of older members of the population, particularly in rural areas. In addition, wearable sensors are already widely used to monitor medication plans and worrisome changes in gait and bodily functions, as well as to call for help in emergency cases (see Prettner and Bloom, 2020).

Healthcare innovation in automation and digital technologies has likewise been accelerated by the COVID-19 pandemic. Robots and smart technologies are increasingly used for remote disease surveillance, contact tracing, diagnosing diseases without face-to-face contact, and even disinfecting potentially contaminated areas (Blake 2020). Telemedicine — a previously small niche — is now much more widely accepted by both doctors and patients.

It seems clear that automation and digitalization will see further progress in the years to come. Coping with potentially negative effects of these shifts, particularly with respect to increasing inequality, is a highly challenging task. The hope is that digital transformation of healthcare and healthcare innovation will benefit considerably wider parts of the population and thereby alleviate some of the negative distributional effects of new technologies.

This article was originally published on January 31, 2022.

About the Authors

Klaus PrettnerKlaus Prettner is Professor of Economics (especially Macroeconomics and Digitalization) at the Vienna University of Economics and Business (WU). His research is primarily concerned with the economic consequences of technological change and with the interrelations among health, demographic developments, and economic growth.

david bloomDavid Bloom is Clarence James Gamble Professor of Economics and Demography at the Harvard T.H. Chan School of Public Health. Much of his recent work focuses on the interplay of health, demographics, and economic wellbeing, and on health technology assessment.   

References

Abeliansky, A. L., Algur, E., Bloom, D. E., & Prettner, K. (2020). The future of work: Meeting the global challenges of demographic change and automation. International Labour Review, Vol. 159(No. 3), 285–306. https://doi.org/10.1111/ilr.12168.

Abeliansky, A., Martinez-Zarzoso, I., & Prettner, K. (2020). 3D Printing, International Trade, and FDI. Economic Modelling, Vol. 85, 288–306.

Abeliansky, A., & Prettner, K. (2017). Automation and demographic change. Hohenheim Discussion Papers in Business, Economics, and Social Sciences 05-2017.

Acemoglu, D., & Restrepo, P. (2018). The Race Between Man and Machine: Implications of Technology for Growth, Factor Shares and Employment. American Economic Review, Vol. 108(No. 6), 1488–1542.

Acemoglu, D., & Restrepo, P. (2021). Demographics and Automation. The Review of Economic Studies (forthcoming).

Arntz, M., Gregory, T., & Zierahn, U. (2017). Revisiting the risk of automation. Economics Letters, Vol. 159, 157–160.

Blake, R (2020). In coronavirus fight, robots report for disinfection duty. Forbes, 17 April.

Bloom, D. E., McKenna, M. J., & Prettner, K. (2019). Global employment and decent jobs, 2010–2030: The forces of demography and automation. International Social Security Review, 72(3), 43–78. https://doi.org/10.1111/issr.12213

Cords, D., & Prettner, K. (2021). Technological Unemployment Revisited: Automation in a Search and Matching Framework. (Forthcoming).

Financial Times. (2019). Robots/ageing Japan: I, carebot. Available from  https://www.ft.com/content/314c65a8-8829-11e9-a028-86cea8523dc2. Accessed 24.11.2019.

Fleming, N. (2018). Computer-calculated compounds: Researchers are deploying artificial intelligence to discover drugs. Nature 557: S55-S57.

Frey, C. B., & Osborne, M. A. (2017). The future of employment: How susceptible are jobs to computerisation? Technological Forecasting and Social Change, Vol. 114(Issue C), 254–280.

Graetz, G., & Michaels, G. (2018). Robots at Work. The Review of Economics and Statistics, Vol. 100(No. 5), 753–768.

Hémous, D. & Olsen, M. (2020). The Rise of the Machines: Automation, Horizontal Innovation and Income Inequality. American Economic Journal: Macroeconomics (Forthcoming).

Lankisch, C., Prettner, K., & Prskawetz, A. (2019). How can robots affect wage inequality? Economic Modelling. https://doi.org/10.1016/j.econmod.2018.12.015

PEW (2020).  What Is Medical 3D Printing—and How Is it Regulated? As health providers find new ways to apply manufacturing technology, FDA oversight must evolve. URL: https://www.pewtrusts.org/de/research-and-analysis/issue-briefs/2020/10/what-is-medical-3d-printing-and-how-is-it-regulated [accessed on November 18, 2021].

Prettner, K. (2019). A note on the implications of automation for economic growth and the labor share. Macroeconomic Dynamics, Vol. 23(No. 3), 1294–1301. https://doi.org/10.1017/S1365100517000098

Prettner, K. Bloom, D.E. (2020). Automation and Its Macroeconomic Consequences. Academic Press. https://doi.org/10.1016/C2018-0-00345-X

Prettner, Klaus, & Strulik, H. (2019). Innovation, automation, and inequality: Policy challenges in the race against the machine. Journal of Monetary Economics. https://doi.org/10.1016/j.jmoneco.2019.10.012

The Economist. (2019). An ageing world needs more resourceful robots. Grandma’s Little Helper. February 14.

Behavioural Science: The Secret Sauce to Elevating Customer Experiences

Behavioural Science

By Niluka Kavanagh

Behavioural science is a powerful tool for designing better customer experiences. In this article, Niluka Kavanagh explores how it can be used in three stages. From mapping the “as is” experience and gaining a deeper insight into your customer, to designing the future experience, to the importance of constant experimentation and testing to improve the customer journey overtime.

It’s dinner time. You’re on holiday and you are looking for a restaurant to eat in. You see one with lovely décor, a fantastic menu and friendly staff. Mind you, it’s almost empty. You see another that is less fancy, with a smaller selection of dishes to choose from. It’s filled with groups of people inside. A family pass you by and go to the waiter, requesting a table. You notice a queue is starting to form of people lining up.

Which restaurant do you choose?

Chances are you will choose the second restaurant due to a phenomenon known as social proof.1 This bias tells us that humans are more likely to follow the actions of the group. We are, by nature, tribal creatures. Sensing the happy faces and bustling groups of people, we are more likely to believe the second restaurant will provide us with the better experience, even if we lack the empirical evidence to prove this.

How you desiagn experiences must factor in such cognitive biases. This can be done through applying behavioural science.

The increasing importance of behavioural science in designing customer experiences

All companies should strive to create an exceptional customer experience. With consumers caring more and more about the experiential value in what they buy, strong customer experiences are no longer a nice to have, but a must-have.

There are multiple strategies, methods and frameworks to help drive great customer experiences and improve business performance. KPMG’s Six Pillars of Excellence is a leading example of one framework, setting out the six key elements that drive exceptional customer experiences (Empathy, Expectations, Resolution, Time & Effort, Integrity and Personalisation).2

But how can we use behavioural science in this space?

Let’s first begin by looking at the very term “customer experience”. It’s the experience of a human, in this case, the customer. A human that is hard-wired and underpinned by emotional needs. A human more likely to be driven by what’s known as ‘System 1’ thinking (intuitive, emotional, instant) rather than ‘System 2’ thinking (rational, measured, thoughtful).3

By understanding the deeper instincts of the human (the customer) we can design better experiences that are more likely to meet their deeper needs and desires. The result? Happier customers who can become advocates of your brand and ultimately lead to better returns for your organisation.

When designing better customer experiences, behavioural science can be applied in three stages. First, mapping the current experience, second, designing the future experience and third, testing the experience for continual improvement.

Stage one: Mapping the current experience and getting beneath the skin of the customer

The first step is to map the current “as-is” experience, in order to identify future areas of opportunity. Behavioural science can be used to gain a deeper understanding of the unmet needs, pain points, and moments that matter for customers in the journey.

But how do we do that?

The first rule of behavioural science is that what humans say and what humans think and do can be different. Behavioural science can help us mitigate this challenge by helping us get closer to the “truth” when collecting customer insight about the existing experience.

Behavioural science

1. Be thoughtful in your survey design

Firstly, behavioural science can be used when designing surveys.4 Care should be made to ensure questions are not leading or solely based on opinion. Surveys should be designed to pivot away from standardised scale & ranking questions. Artificial Intelligence can be incorporated within the survey architecture to probe specific words after an initial response, encouraging longer responses with greater elaboration that go deeper into the customer’s perspectives. Questions should be designed to get to the heart of the customers actions (what they actually do) as opposed to simply surfacing their opinions.

2. Gain timely feedback

Make it easy for customers to feedback immediately after (or as close as possible) to the touchpoint in the customer journey you want to learn more about. This is because humans have the tendency to post-rationalise moments and/or fail to recollect moments in an accurate way. It is for this reason airports have stands that ask customers to press a button to “describe their experience today” with faces denoting good, okay and bad immediately after check-in. These are deliberately placed to give a ‘live’ pulse check, rather than sent in a survey later when the moment will be hazier in the customer’s mind. By using technology platforms like Medallia, surveys can be sent just after the touchpoint itself to collect insight.5

3. Run ethnography and on-the-ground observations

Observing and speaking to customers through field work is another powerful way to gain insight into the experience itself. This is known as ethnography – an observational science around studying human behaviour.6  Being on the ground in the environment itself will allow organisations to witness and hear how customers interact at the different stages of the journey. If this seems practically difficult to do, you’re in luck. New tools allow for digital ethnography, a way to virtually observe your customers while they are interacting with your product or service.7 This is not far removed from eye-tracking technology used to understand how the customer interacts with a website.8 

Once insight has been gathered through these techniques (surveys, timely feedback, ethnography) it is possible to identify the pain and gain points across the customer experience and map the end-to-end journey in the “as is” state. It is also key to map the ‘Moments that Matter’ for the customer. Moments that Matter is a term used in the CX space that refers to those critical moments that could make or break the whole customer experience. They should be given priority, because this is where the customer will see the most value, should it be executed well and – by contrast – where most is at stake, should it be handled poorly.9

Once the pain points, gain points and Moments that Matter have been identified across the customer experience, behavioural science can then be used to analyse these in more detail. What are the cognitive biases that lie behind these?

Take a leading chain coffee brand. If the staff are overstretched, a customer may cite that the length of time between making the order and waiting for the order to arrive is too long. It should be faster, in line with what they would expect from a well-established brand. When the coffee is eventually received, it is of an OK standard. Both are pain points that tie into what’s known as expectation theory, a bias that states “our expectations of a product or service shape our perceived performance of them”.10  The customer expected a fast coffee order and didn’t receive it. As such, the coffee tasted sub-par. You may want to contrast this to an independent, boutique coffee shop where a longer waiting time is more likely to be expected. 

In this example, the coffee high-street brand needs to consider expectation theory and ensure that their experience is in line with what customers expect. Most of us would assume a leading coffee chain to deliver with good speed. If that’s not the case, our disappointment may make us rate the coffee less than we would have done otherwise.

By analysing cognitive biases and heuristics like these, a richer understanding of the customer can be gathered – which is critical for the second stage of the process.

Stage two: Designing the future experience and using nudge-theory to create desired behaviours

Once the “as-is” experience has been mapped, it is time to design the future experience and create a journey that is better for customers.

One behavioural science application regularly applied at this stage is nudge theory, a concept that proposes positive reinforcement and indirect suggestions to influence the behaviour or decisions of an individual.11 It can be a powerful tool used by organisations to prompt customers to behave in desired ways across the end-to-end journey.

One example of nudge is using slow, relaxing music within a restaurant environment to encourage diners to take longer at the table and in turn, increase the chances of them spending more.12

One behavioural science application regularly applied at this stage is nudge theory, a concept that proposes positive reinforcement and indirect suggestions to influence the behaviour or decisions of an individual.

When designing the future experience, organisations should consider where and how nudge theory can be used across the customer journey. If one pain point when doing a tax return is that the customer is frustrated at having to complete a lengthy and complex form (and therefore avoids doing so), nudge theory can help reduce this challenge, for example by using existing data to pre-populate standardised fields. The process becomes faster and easier, “nudging” the customer to complete their return.

Nudge theory is a powerful technique that can be used to design exceptional customer experiences and encourage the customer to move through the entirety of the journey.13

Stage three: Testing the future experience through constant iteration and improvement

Another fundamental aspect of behavioural science is the importance of experimentation and testing. Because human-beings are complex and have evolving needs, it is critical that organisations continually test the customer journey to ensure it delivers against (and exceeds) customer needs over time.

Constant iteration is required. This can be achieved through the development of prototypes which can be used to showcase immersive experiences and, in real-time, test customers reactions and identify areas of improvement. “Test tube” experiments are key, especially during agile product or service development cycles.14 

A/B testing in website design is a very simple example of using behavioural science to continually test and optimise the customer experience. It allows organisations to effectively gather data on which of the two website versions (A or B) creates most engagement with customers.

It is critical that testing and experimentation is done on a frequent basis to keep up with the ever-evolving needs of the customer and ensure a desirable experience.

Closing thoughts: a powerful application

Behavioural science is a powerful application that organisations should seek to use when designing their customer experience. From mapping the current experience and understanding the customer, to designing the future experience, to constantly seeking opportunities for improvement. When designing the customer journey, we must remember that there is a human at the forefront of this, a human who is deep-rooted in cognitive biases and behaviours used at each touchpoint of your customer journey.

When done correctly, behavioural science can help improve your customer experience, leading to increased growth and better returns for your organisation.

This article was originally published on March 24, 2022.

About the Author

Niluka Kavanagh

Niluka Kavanagh is a consultant at KPMG UK in the Customer Consulting practice. She is one of the founders of the KPMG Behavioural Science Unit. Her areas of expertise include marketing, brand strategy, customer experience, communications and behavioural science. Outside of work, Niluka is also a writer and a public speaking coach.

This article is the updated version of Behavioural science: the secret sauce to elevating customer experiences that was originally published in KPMG on 10 June 2021. It can be accessed here: https://home.kpmg/uk/en/blogs/home/posts/2021/06/behavioural-science.html

References

  1. The term “Social Proof” was first coined by Robert Cialdini in his 1984 book Influence: Science and Practice, while the most famous study of social proof is Muzafer Sherif’s 1935 experiment.
  2. The Six Pillars of Customer Experience Excellence | KPMG
  3. Thinking, Fast and Slow; Kahneman Daniel; Penguin Books; 2012
  4. The role of surveys in the age of behavioural science
  5. Medallia | Customer Experience and Employee Experience
  6. https://www.scribbr.com/methodology/ethnography/
  7. A guide to digital ethnography | Opinion | Research Live (research-live.com)
  8. https://www.usability.gov/get-involved/blog/2010/03/eyetracking.html#:~:text=Eye%20tracking%20is%20a%20useful,a%20user%20searches%20for%20information
  9. Customer Relationships and Moments That Matter | CX Journey™ (cx-journey.com)
  10. The Choice Factory; Shotton, Richard; Harriman House; 2018 (p77-83)
  11. https://www.behavioraleconomics.com/resources/mini-encyclopedia-of-be/nudge/
  12. The Influence of Background Music on the Behaviour of Restaurant Patrons; Milliman, Ronald; The Journal of Consumer Research; Volume 13, No2, 1968
  13. Nudge: Improving Decisions about Health, Wealth and Happiness; Thaler, Richard, Sunstein Cass; Yale University Press; 2008
  14. Chapter 3, Test Tube Behaviours in The Behaviour Business; Chataway, Richard; Harriman House; 2020 (p27-36)

DZING Review – Why Choose this Money Management Platform?

app for your money

Money management apps are great tools for understanding your financial habits and achieving financial goals. They offer a wide range of features, including goal-setting, that make them attractive options. A good money management app can provide convenience, help you master your finances, stay motivated, and improve your financial knowledge. However, with so many options available, it can be overwhelming to choose the right one. If you’re unsure and want the best choice, let me introduce you to DZING. This review will highlight the benefits of using this app and explain why becoming a member could be beneficial for you.

An App that offers a User Centric Experience

The creators of this app firmly uphold the belief that banking should be an effortless, reliable, and user-centric endeavor. Their primary priority lies in simplifying your financial management journey. With DZING, you possess full authority over your finances, granting you the seamless ability to convert funds into various currencies and effortlessly engage in international payments.

This platform goes above and beyond to equip its users with the necessary tools and resources to confidently and conveniently handle their money. With this platform’s remarkable capabilities, a wealth of exceptional features is within your reach. You can enjoy the freedom of conducting effortless transactions across borders, experiencing a sense of ease and peace knowing that you are the one in complete control of your financial security. DZING empowers you to be the ultimate guardian of your financial well-being, allowing you to navigate the world of finances with confidence.

Use DZING Cards for Added Convenience for Businesses

When it comes to fulfilling your business’s online payment requirements, DZING cards provide a distinctive solution that is far superior to ordinary transactions. By taking advantage of the virtual card feature of this app, you unlock a realm of possibilities to effectively promote your content. You can seamlessly execute bulk payments for advertisements on popular social media platforms and with the master account functionality offered by DZING, you assume complete authority over your payment activities, guaranteeing transparency and efficiency in the management of your business’s advertising campaigns.

The seamless convenience of utilizing DZING cards to promote your content can profoundly empower your business, taking it to new heights. With this unique tool at your disposal, you are well-equipped to conquer the online landscape and expand your reach with ease.

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Easy Payments though Google Pay Integration

You can elevate your DZING experience by seamlessly integrating it with Google Pay on your preferred device. This convenience brings you the ease and security of contactless payments, whether you’re shopping in-store or online. With a world of convenience at your disposal, DZING in Google Pay allows you to select the authentication method that suits you best, while ensuring the highest level of transaction security through features like Face ID.

What’s more, this app simplifies your financial management as well. With a few taps, you can effortlessly transfer money from your DZING account, making transactions a breeze. Receiving funds is just as effortless, granting you complete control over your financial resources. With such unmatched convenience, you can bid farewell to the hassle of dealing with cash and take advantage of a world where financial management and payments are all within reach. 

An App that Offers a Secure Financial Management Experience

This financial management app stands out with its dedication to security. Integrated seamlessly within the DZING app, the virtual card feature gives users unparalleled flexibility and command over their financial affairs. Whether you require swift purchases or efficient expense management, DZING revolutionizes your payment journey, ensuring a swift experience.

Once you become a member, you gain access to the future of digital transactions, where the blend of convenience and security, combine to ensure you get the best possible experience. Here, that you can fully embrace the power of DZING and gain easy access to endless possibilities with every transaction conducted using virtual cards. 

No Hidden Fees Involved

One of the standout qualities of DZING is its commitment to transparency and customer satisfaction, as it does not have any hidden fees associated with its offerings. Unlike some other financial platforms, this one prioritizes clarity and ensures that users can manage their finances without any unexpected or undisclosed charges. This dedication to transparency allows individuals and businesses to confidently utilize the platform, knowing that they can make informed financial decisions without worrying about hidden costs.

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Final Thoughts

To summarize, DZING emerges as a remarkable financial management app that goes above and beyond in providing a user-friendly solution for individuals and businesses. With its wide range of features, , users gain complete control and transparency over their finances, promoting efficient money management. 

By integrating innovation, security, and convenience, DZING sets new standards in the realm of digital payments, allowing users to embrace the future of transactions. With this platform by your side, you can confidently navigate the world of finances, making seamless cross-border transactions, and enjoying the convenience of contactless payments through Google Pay integration.

Disclaimer: This article contains sponsored marketing content. It is intended for promotional purposes and should not be considered as an endorsement or recommendation by our website. Readers are encouraged to conduct their own research and exercise their own judgment before making any decisions based on the information provided in this article.

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