Thursday, June 23, 2011

Introducing Innovative New Online Marketing Platform: 2Blog4

I've been blogging since 2005 back when I started the Pay By Touch Blog.  I followed that up with PIN Debit Blog which I administered for 3 plus years for prior to selling it to ROAMData.  After selling the PIN Debit Blog I launched the ePayment News Blog. It wasn't getting the recognition that the PIN Debit Blog received from the search engines. I realized it would take many months, maybe years before the new blog commanded the same respect from search engines as the PIN Debit Blog enjoyed.   So we played around with some major tweaking and coding to see what impacts they may or may not have.  It was during this time that my partner "accidentally discovered" a secret sauce which winds up being much tastier to the search engines.  2Blog4 was born. Today, we are pleased to announce the launch of 2Blog4:
2Blog4 is an innovative online marketing platform combining the best elements of Blogging, Search Engine Optimization, (SEO) Web Hosting, and a customized Google AdSense campaign. 
First we identify "keywords" relating to your business/product and or service. Then we then apply the 2Blog4 platform, targeting those "keywords" and specifically associating them with your product/service.  We apply deep-seeded SEO techniques and add a Google AdSense campaign.  End result? Those "targeted keywords." are now "associated" with your business blog which promotes your product/service.  
If you’ve been contemplating starting a blog, an SEO service or a Google Ad Words campaign, look no further, because we do all three, plus host your site for less than the cost of most SEO campaigns.   2Blog4 provides the easiest and quickest avenue for non–coders to effectively get their sales & marketing message online.  Fresh Content 24 Hours a day without lifting a finger.

Why Blog?

  • Brand/Product Promotion
  • – Many companies use blogs for marketing and advertising purposes. Posts can be created as product reviews, press releases and industry related news. 
  • News and Information
  • – Numerous blogs are used to relate current events or publish national news and commentary; others use blogs to cover local events. 
  • Customer Education
  • – Blogs can be used to inform customers. A corporate blog can contain product news, tips, company news, articles and more to educate customers or shareholders about products, services or corporate happenings. 

Why Implement an SEO Campaign?

  • The cost of generating traffic from search engine marketing is much lower than traditional media. 
  • Search engine marketing has the lowest cost-per-lead and the highest return on investment. 
  • U.S. Bancorp Piper Jaffray, estimated that the cost per lead was $0.29 for search, $0.50 for e-mail, $1.18 for the yellow pages, $2.00 for banner ads, and $9.94 for direct mail. 2Blog4 Works (click picture on right to view proof) 

SEO Rankings – Search engines constantly scour the web for “fresh content.” A consistently fresh “topic specific” blog will gain faster in the search engine rankings than one with only a couple posts per week. 2Blog4’s platform was designed to provide multiple posts per day on “industry specific” insights and news relating to your niche. Our unique service includes SEO “best practices” for legitimate traffic building. 2Blog4 also improves the “web presence” of your existing website due to the exposure related to your 2Blog4 business blog.

Whether you have a national (WindshieldWipers.2blog4) or local (Scottsdale presence, 2Blog4 will transform your product/service into a search engine friendly marketing machine. 

Click the link below to fill out a request for a free custom designed marketing campaign based on’s patent-pending approach.

Click here to Request your Free Anaylsis

Example 2 of what 2Blog4 can do....

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The Global NFC Mobile Payments Market Will Grow At A CAGR Of 68 Percent over the Period of 2010-2014

DUBLIN--(BUSINESS WIRE)--Research and Markets has announced the addition of the "Global NFC Payments Market 2010-2014" report to their offering.
Mobile Commerce Key Driver for NFC Payments
Research conducted by Technavio reveals, that the Near Field Communication (NFC) Payments market is expected to grow at a CAGR of 68 percent. The report, which focuses on Americas, Europe and China indicates, that the market is currently driven by the exponential growth in mobile commerce.
With an increasing number of users opting for NFC enabled mobile phones for buying goods and services, there are immense revenue opportunities in the area of mobile commerce. Revenue opportunities can be seen in the form of loyalty points, gifts and other value added services, reports Technavio analyst.
In spite of the need, security concerns hinder the growth of this market. However, the strong support from the GSMA is expected to promote market growth.
The global NFC Payments market is marked by smartphones being embedded with NFC chipsets. This makes the study an important one for companies to fully understand the potential in the market and formulate its own strategy.
The report, Global NFC Payments Market 2010-2014 is based on an extensive research from inputs by industry experts, vendors and end-users. It examines the factors- including the key trends, drivers and challenges, impacting the evolution of this market. Further, it contains an in-depth understanding of the key vendors including their SWOT analysis.
TechNavio's analysts forecast that the global NFC Payments market will grow at a CAGR of 68 percent over the period of 2010-2014. One of the key factors contributing to this market growth is the growing number of commercially available NFC enabled handsets. The worldwide NFC Payments market has also been witnessing increasing number of pilot trials in the area of NFC enabled Payments. However, the need for additional infrastructure by various stakeholders in the NFC Payments ecosystem could pose a challenge to the growth of this market.
TechNavio's Global NFC Payments Market 2010-2014 has been prepared based on an in-depth analysis of the market with inputs from industry experts. The report focuses on the Americas, Europe, and China; it covers the payment processing firms in the area of NFC Payments.
Key questions answered in this report: What will the market size be in 2014 and at what rate will it grow? What key trends is this market subject to? What is driving this market? What are the challenges to market growth? Who are the key vendors in this market space? What are the opportunities and threats faced by each of these key vendors? What are the strengths and weaknesses of each of these key vendors?
Companies Mentioned:
  • Visa, Inc.
  • MasterCard
  • Discover Financial Services

Discover Breakes it's All-Time Record Quarterly Income with $600 Million Q2

Discover Financial Services Reports All-Time Record Quarterly Net Income of $600 Million or $1.09 Per Diluted Share

RIVERWOODS, Ill.--(BUSINESS WIRE)--Discover Financial Services (NYSE: DFS) today reported net income of $600 million for the second quarter of 2011, as compared to $258 million for the second quarter of 2010.
“Management’s Discussion and Analysis of Financial Condition and Results of Operations”
Second Quarter Highlights
  • Discover card sales volume showed strong year-over-year growth of 9% with $25 billion in volume in the quarter.
  • Total loans increased 5% from the prior year to $52.5 billion, while credit card loans declined 1%. Credit card loan balances grew $644 million, or 1% from the prior quarter.
  • The delinquency rate for credit card loans over 30 days past due reached a 25-year record low of 2.79% and the credit card net charge-off rate declined to 5.01%.
  • Payment Services continued to produce strong results with pretax income of $43 million, up 19% from the prior year. Transaction volume for the segment was $46 billion in the quarter, an increase of 24% from the prior year.
"Our all-time record results this quarter reflect the effectiveness of the Discover business model," said David Nelms, chairman and chief executive officer of Discover. "Sustained improvements in credit performance have driven substantial releases of credit loss reserves, a portion of which has been reinvested for growth. The benefits of these investments can be seen in both our Direct Banking and Payment Services results this quarter. Our capital levels have also benefited from this outstanding performance, leading us to our recent announcement of a $1 billion share repurchase program. While the U.S. economy has yet to show significant strengthening, we are confident that we can continue to achieve profitable growth in all of our lending businesses, complemented by the contribution from our payments activities."
Segment Results:
Direct Banking
Direct Banking pretax income of $883 million in the second quarter of 2011 was a $497 million improvement from the second quarter of 2010. Pretax income included $25 million related to The Student Loan Corporation.
Total loans ended the quarter at $52.5 billion, up 5% compared to the prior year, reflecting a $3.7 billion increase in private student loans and a $640 million increase in personal loans, partially offset by a $367 million decline in credit card loans. The increase in student loans includes the acquisition of $3.1 billion in private student loans in the first quarter of 2011. Credit card loans grew $644 million, or 1%, from the prior quarter, ending the quarter at $45.0 billion. Discover personal loans increased $193 million, or 10%, from the prior quarter as the company continues to diversify its loan portfolio.
Net interest margin was 9.15%, relatively unchanged from the prior year and down 7 basis points from the first quarter of 2011. Credit card yield decreased 36 basis points from the prior year and 8 basis points from the prior quarter. The decline in yield reflects the impacts of the CARD Act and an increase in promotional rate balances, partially offset by lower interest charge-offs. Interest expense as a percent of loans decreased 31 basis points from the prior year and 10 basis points from the prior quarter as the company continued to take advantage of available low rate funding.
Net interest income increased $46 million from the prior year, primarily driven by an increase in loan balances related to the student loan acquisition and lower funding related costs. This was partially offset by a decrease in interest income on credit cards reflecting the lower yield.
The delinquency rate for credit card loans over 30 days past due reached an all-time low of 2.79%, an improvement of 206 basis points from the prior year, and 80 basis points from the prior quarter. The credit card net charge-off rate decreased to 5.01% for the second quarter of 2011, down 355 basis points from the prior year and 95 basis points from the prior quarter.
Provision for loan losses of $176 million decreased $548 million, or 76%, from the prior year, driven by lower charge-offs and a reduction in the allowance for loan losses. Principal charge-offs decreased $424 million from the prior year. Improvement in the outlook for credit performance resulted in a reserve release of $401 million in the second quarter of 2011 versus a release of $277 million in the second quarter of 2010.
Other income increased $22 million, or 5%, from the prior year. The second quarter of 2010 included a reduction in income related to overlimit fee charge-offs. The second quarter of 2011 included transition services revenue related to The Student Loan Corporation and an increase in the value of the federal student loans held for sale.
Expenses were up $119 million, or 25%, from the prior year, reflecting higher investments in marketing and advertising, higher compensation expense, higher costs related to recovering charged-off accounts, increased fraud costs and expenses related to The Student Loan Corporation. The second quarter of 2011 also included reserves for various pending litigation.
Payment Services
Payment Services pretax income of $43 million in the quarter was up $7 million, or 19%, from the prior year driven principally by a $9 million increase in revenues partially offset by a $2 million increase in expenses. The increase in revenue was driven by an increase in transactions on the PULSE network and higher margins.
Payment Services dollar volume was a record $45.9 billion for the second quarter, up 24% from the prior year, driven by higher PULSE, Diners Club International and third-party issuer volume. The number of transactions on the PULSE network increased 25%.
Effective Tax Rate
The company's effective tax rate was 35.2% for the second quarter of 2011 compared to 38.9% in the second quarter of 2010. The second quarter of 2011 included a tax benefit due to the reversal of a tax valuation allowance related to a previous realized capital loss.
Share Repurchase Program
On June 15, 2011, the company announced that its Board of Directors has approved a share repurchase program, authorizing the company to purchase up to $1 billion of its common stock. The program expires on June 14, 2013, and may be terminated at any time. The company expects to make share repurchases under the program from time to time based on market conditions and other factors, subject to legal and regulatory restrictions.
Proposed Acquisition of Mortgage Origination Business
On May 12, 2011, the company announced it had reached a definitive agreement to acquire substantially all of the operating and related assets of Home Loan Center, a subsidiary of, Inc., for approximately $55.9 million, which will add a residential mortgage component to Discover's direct-to-consumer banking business. The company intends to originate eligible consumer mortgages to sell in secondary markets on a servicing-released basis. The acquisition is subject to closing conditions, including the approvals of regulators and, Inc. stockholders, and is expected to close by the end of 2011.
Conference Call and Webcast Information
The company will host a conference call to discuss its second quarter results on Thursday, June 23, 2011, at 10:00 a.m. Central time. Interested parties can listen to the conference call via a live audio webcast at

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