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These Are The Most Popular TikTok Accounts and Challenges of 2020

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TikTok has quickly become one of the most, if not the most, downloaded apps of the year. With its popularity continuing to grow, PostBeyond has analysed the video-sharing app to reveal who’s making the most out of it, as well as combined some tips of how to be successful on the app.

Brands that have successful TikTok profiles and accounts are benefiting from the app by creating both challenges for users to respond to through creative videos – and these challenges and hashtags are being viewed over 4 billion times - as well as connecting with other users.

Social media has the potential to share videos and content across various platforms to millions of users - you just have to know how to create content that’s worth sharing and understand the steps that need to happen to go viral.

Since 2017, TikTok has been named one of the most up and coming social media platforms. In 2017, TikTok had roughly 50 million users worldwide, fast-forward to 2020 and the platform has nearly 250 million. Despite current discussions surrounding the app’s usage in certain countries, the amount of users continues to creep up and brands are continuing to go viral on the platform.

So who is killing it on the app and earning the most?

Rank
TikTok account
Est. earnings per post
1
$41,461 - $69,102
2
$27,180 - $45,301
3
$27,361 - $45,602
4
$29,521 - $49,202
5
Riyaz Aly
$25,740 - $42,901
6
$20,520 - $34,201
7
Spencer Polanco Knight
$22,560 - $37,601
8
Faisal Shaikh
$18,962 - $31,603
9
$18,001 - $30,001
10
Gilmher Croes
$16,741 - $27,902

Charli D’Amelio has been named as the highest-earning TikToker of 2020 so far. Charli is an American social media personality and dancer and she uploaded some of her first dances in the summer of 2019. Born in just 2004 making her 16 years old, Charli overtook her competitor Loren Gray (who now ranks in second place) and has been labelled “reigning queen” by New York Times.

Looking further down the list at the other famous TikTok accounts, Zach King - who is most known for his “magic vines” from back in 2013 - now has over 45 million followers on TikTok. Born in 1990, Zach can gain anywhere between $27,361 to $45,602 per post.




We did the math on how much TikTokers would earn if they were to post just one TikTok video a week. Here are the results:

Rank
TikTok account
Earnings per week for one post
1
$55,281
2
$39,361
3
$36,481
4
$36,240
5
Riyaz Aly
$34,320
6
Spencer Polanco Knight
$30,080
7
$27,360
8
Faisal Shaikh
$25,282
9
$24,001
10
Gilmher Croes
$22,321

TikTok is very similar to apps such as Snapchat and Instagram, in the sense that it allows users to scroll through content from different accounts at ease. Users can apply hashtags and captions to their upload in order to increase follower count and enable other users to find their content via searching certain topics and trends.

Users are encouraged to duo with other people to engage with their viewers, as well as increase their popularity. Hashtags can be used to get involved with certain trends and challenges that go viral.

For example, some of the most popular and most-shared challenges are by Walmart, called the #dealdropchallenge and also by Chipotle called #boorito - the full list of the biggest challenges can be found below.



Some of the challenges have been created by brands in an attempt to increase awareness and go viral, however, some have been created by top TikTokers. The #getbusychallenge had over 709m views on the app, following that #theboxchallenge got 473m users involved - the app moves at such a fast pace, so challenges and trends need to grab the attention of users really quickly in order to be successful and go viral.

For example, there are over 800 million active users on the app and it has been downloaded over 2 billion times on the app store and Google Play, so you can only imagine the saturation of videos on the app. As well as this, TikTok localises it’s content to the country in which the user is from, so challenges and videos need to appeal to certain audiences to be deemed a success.

For brands looking to embark on a new journey and attract new audiences through the social media app - TikTok - PostBeyond has pulled together some top tips to get your plan of action and strategy up and running. Follow the below tips to conquer the world of TikTok:
  • The average TikToker spends 52 minutes a day on the app, use your time wisely to think of content that will grab their attention and engage with them. You need to stick out in an over-saturated crowd
  • Keep the videos to a bite-sized, short amount of time - people lose interest after eight seconds so make sure your content is sticking within or around that timeframe
  • Build a community - make sure you interact with your followers once you’re on the app, this way you’ll start to engage and build relationships
  • Add a face to your brand - think of some of the biggest brands on the planet and their CEOs and brand faces - Amazon has Bezos and Tesla has Musk. these brands have real people to their name, so try and get one key person on your TikTok to represent what you stand for.
TikTok is a free-for-all app and is easy to use, making it one of, if not the most appealing to brands and users. Not only that, but the app is also cross-functional and allows users to share videos and content across other apps such as Instagram, Twitter and Facebook, meaning that challenges can gain even more attention from people who may not primarily even be on the app.

For more information on TikTok, take a look at the series of graphics below to see TikTok insights, and find out how your brand can utilise the social media platform and use it to their advantage.





Read next: The 2020 Instagram Rich List — Who Earns The Most From Sponsored Posts?

TikTok’s parent company ByteDance accuses Facebook of plagiarism following a critical remark by Mark Zuckerberg

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The famous short-form video app, TikTok is in front of the line of fire from everywhere these days, and all major tech giants and the US president even are in the favor to get this app banned soon.

TikTok’s parent company ByteDance has been facing a lot of difficulties because of  its social networking app. The Chinese conglomerate recently stated its own news aggregator app, Jinri Toutiao, and accused Facebook of plagiarism!

According to Reuters, ByteDance said that it has always worked hard and showed commitment to become a global company, and during the whole process, it has had to face immense difficulties, that were of complex and unimaginable nature. The international political environment was tense, there were difficulties in collision and conflict of different cultures, but above all, there was plagiarism and smears from the competitor app, Facebook.

ByteDance did not elaborate further on the accusation on Facebook.

All of this happened in response to Facebook’s CEO, Mark Zuckerberg’s critical comments in which he had accused TikTok of censoring political protests.

While TikTok had denied that claim, it is quite visible for everyone that Facebook is not in a perfect place itself to accuse some other app of something like that. Everyone knows that Facebook has been facing allegations and accusations from all over the world for not taking a censoring step towards political statements and feuds!

Facebook was currently facing a one-month ad ban from all the major companies because it has been showing insensitive behavior, indifference, and aloofness towards important issues such as racism, violence, hateful speech, bigotry, etc. Facebook had turned a deaf ear to all these accusations in the past and continues to do so. So, when someone so deep in the pit itself stands and points fingers at others, that is when it becomes absurd, and that is what makes everything bizarre and ironically hilarious at the same time!

On the other hand, this is also common knowledge that Facebook is in a habit of copying other famous apps and incorporating their formulae within its app too. Most of the time it faces failure, but the idea cannot be ignored that TikTok’s accusation does hold merit.

Maybe it does not intentionally plagiarize, but it does copy other apps and that is still offensive for other tech giants.

Now, when Facebook itself has so many issues and it hardly sees a good day itself, it should avoid taking stances against others- in this case, TikTok.

In response to TikTok’s accusation, Facebook has not come up with any statement as of yet.

On the other hand, TikTok has its own battles to fight and it is not a good time for the app. ByteDance is facing a lot of pressure from the US investors to sell off TikTok. The issue has gone to such an extent that the US President Donald Trump has given ByteDance an ultimatum f forty-five days to negotiate a sale of TikTok to Microsoft Corp.

Let us see what the future holds for TikTok.


Photo: Greg Bake / AFP / Getty Image

Read next: Facebook's New Algorithm Can Play Poker And Beat Humans At It

Report Indicates a Massive Impact on Social Media Ad Spend in Q2 in the wake of COVID-19 and Protests!

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Ahead of Facebook’s announcement of its Q2 results this past Thursday, Socialbakers published its own Q2 findings to highlight the impact of protests and COVID-19 on the ad revenue. For those of you unaware, a “Stop Hate for Profit” campaign to boycott Facebook initiated early in July and has already been endorsed by numerous civil rights groups and advertisers including Verizon and Adidas.

As per Socialbakers, different metrics of social media advertising recorded noticeable changes in Q2 amidst the ongoing protests against racism and COVID-19. Firstly, on average, the cost-per-click across social media platforms and other industries took a hit of 38% year-over-year.

While CPC’s weak performance during the last three months is pretty concerning, what’s relieving is the fact that the social media ad spending showed quite an improvement from the end of Q1 2020. This is due to the ease in lockdown restriction across different states over the past few months.

After increasing by over 92% in comparison to the final part of Q1, ad spend in North America took a hit of 32% in the last couple of weeks of Q2. Interestingly, this sudden plunge was due to numerous advertisers pulling out of Facebook due to the social media giant’s hate speech policies.



Socialbakers indicates that June 2nd’s Blackout Tuesday protest resulted in some reduction in ad spending as the social media activities were halted by marketers on the said day.

As for Facebook’s News Feed, a year-over-year reduction of 2.6% in ad spend was observed in the last quarter, as compared to Instagram’s 4.2% plunge. From the start of 2019 to the end of Q2 2020, Facebook’s News Feed recorded a collective social media ad spend hit of 6% (64% to 58%). As for the same metric for Instagram, it dropped two percent in May of this year from the 21% peak recorded in July 2019.

It should also be noted that Facebook News Feed was able to get 60% (on average) of the total ad spend in the last quarter. Instagram Stories and feed, on the other hand, got only 28% of the pie’s share.

Moving back to CPC, it was reduced to a concerning low of $0.075 during April but eventually rose to $0.107 over the next two months. Taking a year-over-year dip of 2.3% in Q2 according to Socialbakers is click-through rates or CTRs, finishing at 1%.

A whopping 21% rise in CPC and a 19% rise in CPM in Q2 were observed in Facebook’s in-stream video, in comparison to its performance last year. Moreover, Ads present on Facebook News Feed recorded the most impressive CTRs (1.9%), surpassing Facebook video feeds in the said department by 1.1%. in-stream video by 1.3%, Insta feed by 1.6%, and Insta Stories by 1.7%.

It was also discovered that in a full year, the Ad CPC for Facebook News Feed as well as Instagram feed plunged by 37%. In the same period, the CPM for Instagram Stories and Facebook News Feed took a hit of 28%.
"On Facebook, the relative post interactions for the top 50 largest brands returned to normal levels in Q2 2020 after a sharp increase at the end of Q1 that was likely related to the worldwide pandemic."


Snap and Twitter should also be brought into the discussion. These two companies already confirmed the effects of the pandemic on ad spend on their platforms despite the fact that social media usage has been immensely high since the pandemic hit.

Twitter’s ad revenue reduced by 23% year-over-year, resulting in a total revenue drop of 19%. On the contrary, the microblogging platform recorded a 12% growth of users between the end of Q1 and Q2. Similarly, video content consumption also increased on Twitter in the month of June.



As for Snap, its annual revenue plunged by 27% from Q1’s end to Q2’s. However, its total number of users hit 238 million, a 4% increase from Q1.

Read next: Pinterest boasts 416 million monthly active users and 4% revenue growth in Q2 of 2020

An average life span of Phishing attack drives to 21 hours, victimizing thousands

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Phishing, a branch of cybercrime, has become considerably complicated over time, generating new methods to phish accounts and collect personal credentials and data more confidentially. A research conducted by Webroot has notified that the service providers Google, Apple, Yahoo, and many others, have noted the greatest attacks by cybercriminals for the past few years; Google is on the top. It has proclaimed that a phishing attack can be seized by controlling the activity of the phished accounts, which is necessary because phishing has become so common and risky for several entities with the appearance and disappearance of these links within a short interval of time.

Various security concerned researchers have studied this aspect for years to examine and analyze the interaction and activity of the cybercriminals. According to a recent research, a crooked transaction from the phished records has marked its happenings in five days after the account has phished.

The latest investigation directed in the mammoth project has examined nearly 22 thousand users of the phishing site, visiting 404,628 pages, and has proffered with knowledge regarding the activity of phishing criminals.

Notedly, the USENIX has cataloged a published report this month that claims that the researchers have identified 21 hours average measure of an attack. They have also insisted that soon after a victim visits the site, an attack can be detected in an average of nine hours. This time starts from the initiative of the attack until the security software deploys the warnings. However, it can be treated as a significant period for the crooks as they can maximize their advantage during this span.

Furthermore, one of the researching teams has also stated that the attackers continue to victimize people still after the warning disposed of by different security browsers, for instance, through the Safe Browsing API of Google. Relatably, one study has showed that approximately 37.73% of the attacks have been recorded after the detected dataset.

Other studies have showed that 7.42% of the people fill the forms on the phishing sites with their trusted information that eventually leads them to an account violation. Reportedly, the criminals usually transact after 5.19 days of the victim's visit to the phishing site. Moreover, it has listed that only a few of the phishing operations have marked a doubling amount of phished victims in contrast to a plethora of phishing sites.

In consideration of this, the researchers' study that an alliance to evade phishing campaigns is needed as the partnership of various industries and corporations is very low. According to Proofpoint Executive, along with an encrypted certification, has noted itself additionally effective in the world of cybersecurity.



Read next: Cyber-security Experts Tell How Often Should You Change Your Passwords

Economy Is In The Ruins – And Technology May Not Be A Savior!

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As the COVID-19 led the global workforce to adopt a work-from-home policy, analysts predicted that more tech jobs would open up. It was also anticipated that the ‘tech sector’ would be helpful in leading the economy toward recovery.

Unfortunately, this doesn’t seem to be the case as the tech industry is also reporting the negative effects of the coronavirus.

According to Indeed economist AnnElizabeth Konkel, competition for tech jobs is on the rise but workers are losing the bargaining power they once had on the employment. It was also reported that in the last week of July, tech postings performed worse than job postings overall in 50% of the tech hubs and 89% of the non-tech sectors.

She further said that the demand is undoubtedly up for tech jobs – as many leading companies are functioning from home. But postings for the same industry are behind the overall market with no comeback in sight!

However, some areas are weathering the storm better than others, reports Indeed. For example, Baltimore saw a decline by 20% in tech postings. On the other hand, areas like Raleigh and Seattle saw harder hits with 45% and 41% respectively.

The coronavirus has spread tremendous uncertainty amongst the global population. Apart from health and wellbeing, people from all walks of life are worried about the financial circumstances that are evolving. In this situation, most industries are reluctant about hiring and firing – as there is no promise of what the future holds for all!




Read next: Survey Reveals the Top-Rated Tech CEOs Who Create Inclusive Cultures for All

How to Take Your Retail Store Online

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Over the last few months, the world has been flipped on its head -- and to be honest, I’m not sure if it will ever return to ‘normal’.

In my mind, this could mean the death of brick and mortar retail stores, as online shopping becomes the norm (hell, it already is). Which is why if you own a retail store, now is the time to make the shift.

And here is how you do it.

1. Pick A Domain Name

If you already have a retail store, I am going to make the assumption that you already have your niche and products sorted -- I mean, if you hadn't, you probably wouldn't be reading this article, right?

Now it is time to get your web domain.

However, this can get a little tricky if you already have the name of your business sorted (which you probably do).

The reason I say tricky is because you might find that someone has already registered a web domain with your business name, which means you cannot use it. A simple way to check for this is to head over to the website Name, and quickly search for your business. This will tell you whether it is available or not.

If it is available, register it as soon as possible -- I mean, the last thing you want is for someone else to get it.

And if it is taken, you might have to get a little creative with your domain name and make some slight changes. This could mean adding a word to your business name, or even changing it slightly.

Whatever you do, just make sure that it:
  • Rolls off the tongue nicely
  • Is still relatively short and snappy
  • Does not contain any numbers
Simple.

2 Build Your Website


Image Source: https://unsplash.com/photos/JVSgcV8_vb4

Once you have registered your domain, it is time to build a website -- and fortunately, in modern day this has become one of the easiest steps in the entire process.

There are a number of web platforms like Squarespace, Wix, and Wordpress that provide templates from which you can create your online retail store. All of these also come with great themes, and integrate a variety of payment features into your website.

In short, they do all the groundwork for you, so you can focus on marketing and sales.

Which brings us to our next point quite nicely...

3. Start Creating Content

Creating your website is a great first step -- but that's all it is -- a first step.

Next up you want to start filling it with content.

Providing a body of content on your website makes it more likely to appear on the first page of search engines like Google and Bing. This is essential if you want to bring new customers to your business.

Moreover, offering your customers free content that is useful and of a high quality builds your reputation as a trustworthy business. This is what improves your ability to turn one-time-visitors into-long-term customers.

What sort of content?

Well, I like a combination of long blog posts, short opinion pieces and helpful tips, and longer product review articles. Being broad and consistent is a great way to get news customers on a weekly basis.

4. Go Social


Photo: https://unsplash.com/photos/EQSPI11rf68

Last but not least, you need to create a social media presence.

Social media has become one of the constants in our society. Almost everyone on the planet has a social media account -- and many make purchases through social media platforms.

As a result, you need to create profiles on Instagram, Facebook, Twitter, and Linkedin (and maybe even things like TikTok and Youtube), and get active. These platforms are the perfect place to promote your content.

They also provide the opportunity to share content from other people that is relevant to your customer base.

As long as you remain consistent, you will slowly build a following of loyal customers that like what you have to say. Once this is done, you can use your platforms to host competitions, share information about sales and new products, and simply interact with your customers.

This further builds your reputation as a ‘real business’ and goes a long way to creating a community of loyal customers.

The Other Option


Source: https://unsplash.com/photos/OXGhu60NwxU

With all this great information, I would be remiss if I did not mention the other option.

See, starting an online business is hard. It involves a huge amount of work, and in the early stages, comes with very little reward.

But there is an alternative.

You can always buy an already-established online business.

While this may not be the most suitable option for some, there are websites like Exchange Marketplace, where people can buy and sell online business. With this option, you can see their profit margins, whether their products and customer base align with yours, and how successful their social media platforms are.

Then it is as simple as buying it and getting it working for you.

Final Takeaway

In the current landscape, taking your retail business online is a no-brainer — or you could always buy an established online business and save yourself some time.

The choice is yours.

But whatever you do, make sure you do it quickly. The business landscape is constantly moving forward, and you do not want to get left behind.

Featured photo: Unsplash.

Google’s new Chrome extension gives some insights about ads to the users

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Google has come up with a new extension for its Chrome browser. This new ‘Ads Transparency Spotlight’ (Alpha) extension will give the users some more visibility into the information used to personalize ads as well as it will give the users some more control over the data.

This extension will let the users view companies and criteria used to serve ads on the Chrome browser. Not only this, but it will also give information about the ad tech companies helping to display these ads, and the ad platform companies which are serving these ads on the web page. It also lists all the companies and services which have a presence on the page, like content delivery networks or analytics providers. The developers are working on more controls that can be provided to the users.

Ad Transparency Spotlight’s initial goal is to provide a tool for transparency that could look into the criteria being used to show different types of ads on the web page. Their ultimate and long-term goal is to support in building a more transparent ad ecosystem around the globe.

This ad transparency campaign began after 2016’s Presidential Elections. It would not be wrong if we say that those elections changed the course of digital advertising for good! After some revelations of Foreign infiltration into American news feeds, invasive personal data collected by the political firm known as Cambridge Analytica which brought a huge fine on the head of Mark Zuckerberg - So, after these issues that caused a major uproar, ad platforms are trying to bring as much transparency to their platforms as possible.

Tech giants like Facebook, Twitter, and Google started implementing new rules to bring ad transparency to their platforms after 2016, and this extension by Google Chrome is part of yet another endeavor to provide ad transparency to the users.

This new extension will also let the users know the reasons why ads are shown on a page. So, with these controls, it is quite evident that ads are going to be transparent and this is one way that might give people an idea of how and where their data is being used.

At the moment, this extension only shows information about ads that are purchased through Google Ads and that have implemented the ‘Ad Disclosure Schema.’ When others will also implement this schema, their ads will also start appearing in the extension.


Now, let us learn how to use this extension?

First, you have to download the extension from Google Chrome Web Store, and then you have to Click on the Ads Transparency Spotlight icon that will appear on the top right side of the Chrome browser window.

After clicking the icon, you will be able to view the information about ads on the page by clicking on the Ads tab.

You will also be able to view all companies that have a presence on the page (regardless of whether they have implemented the schema or not) by clicking on the Entities tab.

If you require more information about this extension, you will have to click on the ‘How to participate’ button at the top of the extension.

View Companies and Criteria Used to Serve Ads on Chrome With this Tool

Read next: Google Chrome tests a ‘Read Later’ feature that would allow users to save and set tabs aside to be reviewed in the future

Users can search Google for verifying claims in WhatsApp forwarded messages now

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WhatsApp has come up with a new feature that will let the users search the web when they receive a forwarded message flagged by the app.

Now, when a message is forwarded on WhatsApp, a magnifying glass will appear right next to the message from now on. If the user taps on this magnifying glass, they will end up uploading that message on Google, and the search giant will in turn provide the user with any verification or information related to the content of that message.

As per WhatsApp, this new feature will provide users with an efficient way to find news results and other sources of information. This is also a very important step towards curbing the spread of propaganda causing, misinforming messages that are forwarded so keenly within WhatsApp groups and chats.

Since the user will upload the message directly on the web, WhatsApp will not know anything about the message. So, this is how the end-to-end encryption will come into effective play and this is how the privacy of users can be preserved.

WhatsApp had started taking steps in this direction back in 2018 when the forwarded messages started getting flagged or labeled. All the forwarded messages were labeled so that the users could get a chance to determine the usefulness of those messages, delete them on the spot if they were bogus, or from untrustworthy sources, and it was an effort to curb the spread of misinformation.

In 2020, WhatsApp further implemented some restrictions, preventing the users from sharing frequently forwarded messages to more than one chat at a time.

However, it seems that WhatsApp was still not satisfied with the way these viral forwarded messages often influence people and create an impact on the real and digital lives of their users. Especially with the predicament of the coronavirus pandemic, messages containing bogus remedies and falsified information were circulated everywhere, creating a lot of chaos and wreaking havoc on an already distraught world.


Therefore, in an effort to stop the spread of misinformation, WhatsApp has now brought this new feature through which the users will be able to verify the claims and authenticity of any forwarded message by doing a quick Google search on their own.

This new feature is now available in Ireland, Brazil, Italy, Spain, UK, and the US for iOS, Android, and WhatsApp Web.

This feature was earlier spotted in the beta test updates along with several other features, and it is nice to know that it has finally reached the stable channels. Hopefully, it will soon be available for the rest of the world too, so that everyone can benefit from this much needed and highly anticipated feature.



Read next: WhatsApp is testing 138 unique emojis for the upcoming version for Android

The Most Popular Non-US Cities for Tech Students

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If you want to join the tech field then there is a pretty good chance that you might want to end up going to America. A big part of the reason why that is the case has to do with the fact that America has the best tech schools and what’s more is that a pretty significant chunk of the tech industry operates there. With all of that having been said and out of the way, it is important to note that America is not the only option worth looking into if you genuinely want to study tech in the best way possible.

There are actually plenty of cities outside of the US that are great for this kind of education as well. Businessfibre compiled a list of thirty of the best cities outside of the US that can help you get what you need from this sort of thing at the end of the day. These thirty cities were based on things like how much percentage of the GDP gets spent on tech research, how many employees the city or country has in the tech field, how many tech companies there are in the city or country as well as the number of universities that facilitate research and education in this particular field.

The top school outside of the US for tech happens to be London, which isn’t surprising considering that the UK is a hub for technology with a lot of big name companies having sizable franchises there. A big part of the reason why that is the case has to do with the fact that America is an English speaking country, so American countries would prefer the UK when it comes to branching out due to the reason that there won’t be any language barrier.

This language barrier doesn’t apply much to the other top ten cities though, with only Canberra coming in at number 8. Number 2 is Berlin, followed by Jerusalem, Bern, Seoul, Stockholm, Paris, Canberra at number 8 and then Rome and Tokyo rounding out the top 10. This indicates that the tech industry is concentrated in Europe and East Asia by the looks of things, and these are places that tech students should aim to go to because of the fact that they can provide excellent education as well as opportunities for the field that is being chosen in this regard.






Read next: Which states are the best places to get a job as a developer?

Google Pay is on its way to further expansion as six-banks become partners with the tech giant to provide digital checking and saving accounts to the customers in the US

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Google was the first service that integrated mobile payments with bank-less funds, peer-to-peer transactions, as well as a plastic debit card with a validity of three years. Then, Google Pay was launched which had the elements of Android Pay and Google Wallet all combined together. Initially, what used to be a simple payment mode, has now turned into something quite huge. And Google Pay is still expanding its offerings beyond the original ideology of peer-to-peer transactions.

Earlier this year, Google had announced that they are exploring new ways to partner with banks and credit unions in the US to offer the customers smart digital checking and saving accounts through Google Pay. This initiative will provide beneficial insights and budgeting tools to these customers, and their money will be secured in an FDIC or NCUA-insured accounts.

At that time, only Citi and Stanford Federal Credit Union were partnering with Google Pay, but now, six more banks have become partners with Google Pay that will let new customers have accounts at their institutions through Google Pay.

These new banks that are now teaming up with Google Pay include Bank Mobile, a subsidiary of Pennsylvania-based Customers Bank, BBVA USA (formerly BBVA Compass) in Alabama, BMO Harris in Chicago, Coastal Community Bank in Washington, First Independence Bank in Michigan and SEFCU in New York.

All these eight banks in total will provide the transactional infrastructure and financial backing to the customers of the USA, while the Google Pay app will provide the front-end experience and useful insights to these customers. As mentioned above, their accounts will be securely insured by the FIDC or NCUA, and this service is likely to begin somewhere in 2021.


In the times of consumption-driven economic structure of the world, purchases are not as important and trivial as the data about those purchases are. Now, Google is not a saint, and it can use the user information and data that it would obtain from the financial services that it offers to its clients. Most of these clients are cautious about their privacy and will only use the services offered by Google if there are some added benefits like the usual banking amenities including free ATM access and cashback. So, this is why checking and saving accounts are necessary for Google to provide its customers with something more beneficial.

At the moment, there is a variety of multi-culture and populations represented by these banks partnering with Google Pay- maybe in the hopes to provide diversity to the users and gain their trust.

Let us see how it all turns out eventually for Google Pay and its users.



Read next: Google’s new Chrome extension gives some insights about ads to the users

Remote Workers and Email Mistakes - A Correlation!

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Remote working may be flexible as it allows employees to continue work from the comfort of their homes. But did you know, that remote workers are also more likely to make email mistakes?

Recent research from the email security company Tessian in collaboration with a Stanford University expert on remote employees found that the work from home brigade is often distracted and may make more mistakes – when compared to onsite workers.

This mistake is often costly – with the workers sometimes losing their job as a consequence. Moreover, a recent report shows that business email scams cost globally $1.7 billion while a FireEye study shows 91% of cybercrimes start with an email mistake.

Workers make mistakes when stressed

Stanford researcher Jeff Hancock explains that 2020 has been an eventful – but full of anxieties for all. He says that especially the workforce has been stressful due to the sudden change in their work environment and as psychology goes – when a person is stressful, they make the most mistakes.

In fact, a survey by the researching team found that over two-fifths of the respondents are more error-prone when they are tired or distracted with the younger demographic being more affected.




Video calls were also one of the contributing factors to a worker’s stress. Hancock said that a conversation on Zoom is very different from the one we have in person – as we often shift our gaze away while talking in ‘real-time.’ However, a virtual conversation has one or many people following our every move, which can be intimidating. Especially if they are conducted many times a day!

Longer work hours

In the survey, 61% of the respondents said their company is making them work for longer hours than they required – leading to nearly half of employees complaining about burnout.

Researchers also pointed out that 93% were either too tired or stressed at some point during their work-from-home period and making mistakes in return to hurriedly finish the task in hand.


More distraction

With the full household at home during the COVID-19 lockdown period, workers felt more distracted. The experts also agreed with this scenario and said that many people felt overwhelmed during 2020, which in turn led to mistakes and poor decision making.

Notably, clicking on phishing emails was one of the most common blunders made by workers who were pressurized to respond quickly to emails. Such cases were significantly observed in sectors such as finance, tech, and consulting with one in four workers admitting this mistake – according to the Tessian survey.

The participants also said that distraction in their homes was one of the top reasons for falling into the phishing scam.

Men vs. Women

Interestingly, men were found to be more likely to get phished by the Tessian survey. As per their report, roughly 34% of the male respondents said they have clicked on a link with a phishing email, compared to 17% of female respondents.

Researchers also said that they did not fully understand the gender difference when it comes to phishing attacks but generally, men are more likely to take risks than women.

Older employees are more proactive

Age was also taken into consideration when researching phishing attacks and remote behaviors. As per the survey, nearly three-quarters of the respondents who admitted to clicking on a phishing email were between 18 – 40 years old.

On the contrary, only 8% of the remote workers over the age of 51 fell in the phishing trap. In this regard, Hancock said that the older generation is more experienced and has a better sense when it comes to detecting ‘wrong’ movements.

Sending an email to the wrong recipient

The mistake of sending a message or email to a wrong person is something that we are all guilty of. But in the corporate world, the consequence of the mistake is far greater than embarrassment.

When questioned the remote workers, around 58% admitted to sending emails to a wrong receiver with many going outside their organization – to external parties. Most of the employees surveyed cited fatigue as the primary cause of sending emails to the wrong recipient.

As a result, many companies faced a loss of clients and the occurrence of data breaches while around 10% of workers said they lost their job.

How to eliminate errors?

Hancock said that companies should educate their employees regarding cybersecurity, time management, and mental health wellbeing to avoid such errors. They also said that lessening the pressure on the workforce – especially during the unprecedented times can help resolve some issues.

Read next: How to Stay Focused When Working From Home.

Google's Live Caption Will Now Work With Voice and Video Calls Made On Pixel Phones

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Some times the voice in video and audio calls become so distorted that captions remain to be the only hope to understand what the other person is saying. Well, Google is about to make that wish come to life with its Android’s real-time captions feature, Live Caption, that will now work with voice and video calls as well.

Prior to the announcement this Monday, Live Caption was introduced as a tool that worked well with media platforms like YouTube but as the need to understand the speech of a voice call has increased (especially how COVID-19 made us more dependent on telephonic conversations) you will be able to use Live Caption for your personal calls as well and exactly know what the other person is saying all the time.

Dieter Bohn gave the world a demo of the feature with Google Pixel 4A’s Review video and one glimpse of it is bound to make everyone excited. The good news is that Google has also told that the feature will roll out for Pixel 2, 3, 3A, and 4 as well soon.

Besides the update in Live Caption, Google has also introduced a new version of the Google Assistant. There is a design overhaul of the app, it is more fast, efficient and of course with more capabilities than ever. The new Assistant app will now support German, French, Italian, and Spanish, with more languages coming soon.

The Pixel 4A which comes power-packed with all the features above starts at $349 and Google is also promising for a version of the Pixel 4A with 5G, and Pixel 5, the company’s next flagship option.



Read next: Google Chrome is testing a feature that will set an expiry time for annoying web notifications

eMarketer predicts a dramatic rise in the video viewing time and the usage of mobile apps in the US adults in 2020

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Recently, eMarketer came up with a survey and predicted that the time spent on viewing mobile videos and mobile web is going to increase by 10 minutes in overall viewing trend, as compared to the previous year. Furthermore, this report also predicts that an average US adult will be using more mobile tech apps which will result in the overall mobile usage to grow by 5 minutes in comparison with what it used to be in the ear 2019.

In 2019, the average US adult was spending around 19 minutes to watch digital videos.

Now, in 2020, the same average US adult is going to spend more than 2 hours watching digital videos! This is quite a huge jump!

If we compare the circumstances of 2019 with 2020, this kind of surge in mobile usage and watch-time is understandable. The world was hit by a major pandemic in 2020, and that not only changed so many things on the global level, it also forced people to remain in the sanctuary of their homes and be socially distant to avoid the spread of the COVID-19.

In such difficult times when everything closed down and there was no place to go except to remain inside the homes, people automatically started turning towards mobile apps for their entertainment as well as information purposes.

This was the right time for these mobile apps to do their business right as well. Since there was a high demand, the tech companies felt the need to oblige and provide as much infotainment and other opportunities to the consumers as it was possible.

This inadvertently led to the public’s heavy reliance on their mobile phones and different apps, and that became the reason why the video-watching time and mobile usage increased so much in 2020.

Now, we are going through the ‘mid-pandemic’ phase, and while many businesses, organizations, educational institutes, and public places have started to re-open, the ‘dependence’ of people on the smartphones and mobile apps are still there. And as per this latest report by eMarketer, it will continue at least till the end of this year, or maybe until this pandemic lasts!

Apart from digital videos, the Mobile Gaming industry also saw a major boom amidst the coronavirus pandemic. People who were locked down in their homes were not only watching videos or using social apps, they also started indulging in online and video gaming apps.

During the lockdowns, the US adults played these mobile app games for almost 26 minutes on average. The same people spent a lot lesser time on gaming apps back in 2019 only, because of the huge difference in circumstances in both the years.

Naturally, mobile gaming developers also jumped to make sure to provide all kinds of engagements with their users to boost their game downloads. They also started putting in more in-app ad requests for monetary purposes. An ad firm Jun Group has reported that these in-app ad requests in mobile game apps have surged by 98% from March till April 2020 alone. This shows the extent of popularity all these apps have gained and the level to which average adults in the US and worldwide are going to spend their quality time.



Read next: Report - Globally people are becoming more reliant on mobile apps

YouTubers Are Turning To Alternative Ways to Earn Money, 80K Channels Earned Revenue on the Platform from Alternative Sources in April

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The consumer usage of many television and video services has increased considerably during the last five months due to the coronavirus lockdowns. According to a recent national online survey of adult US citizens, around 20% of individuals have started watching more internet videos due to the lockdowns, while approximately 40% of respondents said that they have started watching more TV programs.

YouTube is the most popular internet video platform, and its content creators make millions of dollars in endorsements as well as advertising. The Google-owned platform has evolved from a small site where creators made silly clips with dogs, to a powerhouse of the digital video world. In the United States, more people report that they use YouTube for free digital video as compared to any other service.

It seems that consumers are happy with the job that the platform does as nearly 80% of users of YouTube say that they are satisfied or ‘very satisfied’ with the platform’s services.

Although the platform sells subscriptions to Television series, it is primarily known for ‘free’ content. Now, individual content creators on YouTube sell subscriptions to their loyal fans, according to a report published by Bloomberg. And Bloomberg features Big Jet TV, a YouTube channel, as an example of an alternative form to earn money for creators.

The channel has over 85,000 devoted followers on the platform and offers two levels of subscriptions- first-class and superclass. First-class members can purchase a subscription for $4.99 while super call members have to pay $19.99, and the members with paid subscriptions can watch exclusive videos from the channel.

According to Bloomberg, the number of users who pay for Big Jet TV increased from 1,700 to 4,000, and the channel reports making nearly $20,000 each month from paid subscriptions. The company charges 30% of that revenue, which indicates that the owner of the channel, Jerry Dyer, and Dyer’s business manager, Gilly Prestwood bring home approximately $14,000.

YouTube is the biggest ad-supported video platform in the world, and over 2 billion people use the platform to watch videos. Although advertising is the primary source of income for creators, the number of people who make most of their income on the platform by charging loyal fans for paid subscriptions are increasing.

Bloomberg reports that 80,000 YouTube channels earned money on the platform from alternative sources during April, a 20% increase as compared to the previous month. Neil Mohan, the company’s chief product officer stated in an interview that it is important for YouTubers to have a diversified portfolio.



Read next: YouTube Ad Revenue Drops by $200 Million This Quarter Due to Coronavirus Pandemic

Google Chrome is testing a new ‘search term chip’ in its tab switcher interface

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Sometime back in November 2019, Chrome began testing a new tab switcher interface. It had a grid layout, the logo of Google and the incognito toggle, Google Search bar, shortcuts to the frequently visited sites, and some article suggestions below.

At that time, Google brought it on the latest Chrome Dev and Canary channels, and it seemed to get the status of a default layout. It was crowder, jampacked with many icons, bars, toggles, but it would mash all the elements together and Chrome hoped that it was better than the previous large tab cards as it had a smaller grid layout. So, it was thought to be more organized and with more information that can be seen in one go.

After several changes, the latest update regarding this tab switcher interface is that Google Chrome is adding a search chip that will bring the trending search terms at the forefront, rather than in the site shortcuts or suggested articles. All the rest of the features in the layout and interface seem to remain unchanged.

Currently, this interface can only be activated server-side for the users who have downloaded the Chrome Beta, Dev, or Canary versions. But there is a flag for this interface that can be enabled and you can see what this interface is like.

All you need to do is to go to chrome://flags and search for the Tab Grid Layout or #enable-tab-grid-layout flag. Beware, there are multiple variants of this interface available. All of them have different tab thumbnail aspect ratios. You have to look for the one that has the Search term chip option. If you go to the settings, you might be able to find various things like Enabled New Tab Variation, Enabled New Tab Tile, several options for different aspect ratios, the option to Disable, simple ignore then, and look for the option to Enable Search Term Chip.


Screenshot: AP.



Once, you enable this search term chip, you will have to restart Chrome, and then when you will re-open, you will find the tab switcher interface with the grid layout. This is only for Chrome Canary. Other versions of Chrome may have different flag options.

The web page layout with this new update is that the Google logo is at the top, and underneath it is the Search bar. Below the search bar comes different trending search terms, and once you tap on any one of the suggestion chips, a new tab opens with this search already executed. It is similar to what the ‘query tiles’ were like that were being tested by Chrome earlier this year, but they are much simpler. These are simple text-only chips that do not provide searches or search suggestions into broader categories. Rather, they are focused and timely.

The incognito toggle that used to be present right next to the Google logo is now invisible by default but appears only when you open an incognito tab.

The problem with these search term chips is there is no personalization. The suggestions remain the same for everyone and even after multiple browsing and searching sessions. Ideally, these suggestions should become more relevant based on the terms that the user is using in their searches and browsing. So, for the time being, this interface does not have much significance as such. Let us wait for more changes that Chrome might bring in this development.

Read next: Google Chrome is testing a feature that will set an expiry time for annoying web notifications

Snapchat Introduces TikTok-Like Music Feature

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Have you ever wished to add music to your Snapchat videos just like TikTok? Well, if the answer is yes then you can now embed popular songs and make your snaps a lot more interesting.

The timing of the announcements stands really crucial for Snapchat and its users because as Trump has threatened to ban TikTok in the US, Snapchat can make its way as becoming the alternative, while also competing with the upcoming Reels - TikTok’s competitor by Instagram.

The feature has already rolled out in New Zealand and Australia. It is further expected that English users would be able to enjoy the music feature by this fall.

While one can expect that Snapchatters will now have the chance to try out their creativity on another level (which previously a lot of them were using TikTok for) the feature still isn’t designed to make the app compete with the Chinese influence in the entertainment world.

There are certain limitations as of now; like how there isn’t a feed of videos set to music or one cannot see more videos made on the same song - two features that stand of utmost importance for TikTok’s success. Instead, according to a spokesperson from Snapchat, the feature is designed mainly to share music with your friends, but in a different way.

Nevertheless, Snapchat knows they shouldn’t miss out on targeting TikTok, and therefore the company has openly stated that based on publicly available data, Snapchat’s reach in the U.S. is more than that of Twitter and TikTok combined.

Moreover, the feature will launch with a robust and curated catalog of music coming from Warner Music Group, Universal Music Publishing Group, Merlin, and more. Back in 2019, it was reported that Snapchat was working on ways to license the music. So, one can expect that Snapchat would be targeting the labels with this by letting users see the song’s title and artist by just swiping up on the video, along with a link to listen to the track on your preferred streaming platforms.


Hat Tip: Variety.

Read next: Snapchat conducts a new study to understand the shift and evolution in the consumers’ video consumption behaviors

Trump’s remarks on getting a ‘cut’ from the sale of TikTok has infuriated the Chinese media as they call it an open robbery

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The past few weeks have been very tough for the famous short-form video app, TikTok. Suddenly there are investors offering deals to its parent company, ByteDance, and there are talks that it should be sold out while it is minting money for its parent company and has managed to turn it into a true Chinese conglomerate. The United States of America had a key role in initiating and perpetuating the whole fiasco. President Donald Trump is especially very keen on taking interest in the matter of an app, which is quite ironically amusing and pretty alarming for ByteDance at least.

Last week, he said that TikTok shall be banned, but later, he changed his stance and gave a deadline of 15th September to ByteDance to sell off TikTok by then, otherwise its operations and business will come to an end in the US. Amongst many investors and bidders, Microsoft is also in talks to acquire TikTok.

While ByteDance is facing immense pressure from everywhere, Donald Trump flipped on his easy stance again and came up with a ludicrous opinion. He says that since he played a major role in carrying out this deal and giving momentum and acceleration to the whole process of cornering TikTok and ByteDance, so now, whoever buys it shall give a ‘substantial portion’ of the sale money to the Treasury of the US government!

When he was asked why he thinks that the government should get any cut from the sale of an app, he said that it is a situation that resembles that of a landlord and a tenant. Without a lease, the tenant is nothing and has no rights. Therefore, by saying this, he kind of implied that the USA is the landlord, TikTok is the tenant, and now the landlord wants to kick out the tenant and no one can stop him or say anything. So, the tenant TikTok has to pay some 'key money,' or they pay something to reimburse the landlord United States, and the US should be paid a substantial amount of money because without the United States they don't have anything.


This whole idea is quite pathetic, and the Chinese media are infuriated, to say the least. And their anger is justified. First, Donald Trump attempts to thwart their app, cause so much trouble for the company, and then start giving infuriating statements and remarks like that.

The editor-in-chief of the Chinese Global Times, Hu Xijin called this ‘an open robbery’ in a recent tweet. He further said that the world is watching this crazy behavior of the President, God is also watching how this President is turning great America into a rogue country.

While Microsoft is interested in buying the company, Apple on the other hand does not want to acquire it. Apple clearly stated its stance, denying the rumors, reported Axios.



Read next: TikTok’s parent company ByteDance accuses Facebook of plagiarism following a critical remark by Mark Zuckerberg

Following The Twitter Security Breach, Hackers Are Now Hijacking High-Profile YouTube Channels to Promote Bitcoin Giveaway Scams

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Following the massive Twitter hack in which several high-profile accounts and celebrities were compromised, now, it seems that hackers are hijacking big YouTube channels to promote Bitcoin giveaway scams. NASA and SpaceX made spaceflight history last week, and millions of people flocked to Google’s YouTube to watch astronauts return to our planet. It was the first time since 2011 that the US launched humans into space.

A lot of people clicked on videos that appeared to be official SpaceX live streams, however, they were met with fake Bitcoin giveaway messages that urge people to send Bitcoin. Scammers claim that they will pay more Bitcoins in return after some time. It is worth noting that those live streams were posted by seemingly legitimate channels, and those channels have hundreds of thousands of followers on the platform.

It appears that hijackers compromised several high-profile YouTube channels during the last week, and they changed the names of those channels to titles such as Elon Musk or SpaceX. All of those hijacked channels promoted Bitcoin giveaway scams, and an esports commentator, Rod Breslau, first pointed out this trend. On Monday, Breslau posted on Twitter stating that a lot of big verified YouTube channels have either been purchased or hijacked. The esports commentator also added that their names have been changed to Elon Musk SpaceX.


The hijacked channels live stream with thousands of view-botted viewers the same fake Bitcoin giveaway the world saw on Twitter recently. These channels promote a fake SpaceX site that urges people to send Bitcoin to be paid back double.

It seems that these tactics are similar to those employed by attackers who compromised high-profile Twitter accounts in a massive Twitter hack last month. The hackers hijacked the verified Twitter accounts of Barack Obama, Kim Kardashian, and more, and used them to promote fake Bitcoin giveaways.

Although the Twitter hack was the result of attackers gaining access to the internal tools of Twitter, it might be possible that each channel was hacked separately, and the hackers did not compromise the internal tools and systems of YouTube. When Business Insider requested YouTube for a comment, a company’s spokesman didn’t respond immediately, however, the platform disabled some hijacked YouTube channels.

MarcoStyle is a gaming YouTuber and his channel was hijacked in 2019 and claims that attackers have been employing similar tactics on the platform since at least November of last year. MarcoStyle explained in a video that his YouTube channel was hijacked after hackers tricked him into opening a phishing email. The FBI claims that email scams cost business owners nearly $1.7 billion last year.

Read next: YouTubers Are Turning To Alternative Ways to Earn Money, 80K Channels Earned Revenue on the Platform from Alternative Sources in April

Adobe Provides More Details on Its Anti-Misinformation System, the Content Authenticity Initiative Is Set For a Limited Rollout on Photoshop and Behance by the End of This Year

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Last November, Adobe announced that the company is partnering with Twitter and The NY Times on a new system for including attribution to images as well as other content. Now, Adobe has provided extra details on the Content Authenticity Initiative blog. The system is used for permanently attaching sources and details to pictures, and is meant to alleviate two issue - people losing credit for their work and newsworthy pictures being taken out of context.

Adobe published a white paper which provides details on how the system works. CAI is set for a limited roll out on Photoshop and Behance social media platform by the end of this year, and the company hopes for wider adoption. According to the white paper recently published by Adobe, the CAI is primarily more persistent and verifiable type of photo metadata which was first pitched as a general anti-misleading information tool by the company.

Although the CAI is similar to EXIF tags that display the location or date of an image, it features cryptographic signatures that allow people to verify that the tags have not been changed. However, you can still download as well as edit pictures, take a screenshot of that image, any Content Authenticity Initiative metadata tags will indicate that the picture was manipulated.

The company is encouraging including valuable context to images and other content. According to Will Allen, community product VP at Adobe, the company wants to provide users a way to actually see what happened to the image, and who originally created the asset.

In the white paper, it is clearly mentioned that Adobe will require much software as well as hardware support for the CAI to perform efficiently. Content Authenticity Initiative- enabled cameras will have to securely include locations or other details while image editing tools will record how a picture has been changed. Furthermore, social media platforms will have to show information and explain why people should care about this information.

Although the company originally announced that Adobe is partnering with The NY Times and Twitter, Allen said that the company has also talked to other social media sites. The white paper also provides detail about various creators would be able to use this tool such as a photojournalist might primarily care about proving the provenance of an image.

Initially, a prototype will be launched to a subset of Adobe Photoshop users who would tag their pictures and add them to Behance. Although the company has not provided any firm timeline for adding CAI to Twitter, Allen said that the company is pushing aggressively for a rollout.


Photo: Contentauthenticity

Read next: Study Shows Those Who Get News from Social Media Are Less Informed and Engaged

Microsoft has paid a hefty sum of $13.7 million to the security researchers for reporting bugs in the its products since last year

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Microsoft has always taken security issues very seriously. Sometimes their system updates are not regular, but their security systems are always up and about as several third-party analysts have revealed the performance of Microsoft Security systems in their reports. This has further been proved by the latest revelation made by Microsoft. Since last July, the company has spent a whopping $13.7 million to the security researchers for reporting bugs and malware in the Microsoft software.

Microsoft has 15 bug-bounty programs, which give financial rewards to the security researchers who devote their time and energies to unveil any flaws in the software, and then for reporting those flaws immediately to the concerned vendors, rather than selling them off to cyber-criminals through underground markets or exploit the brokers who distribute this software to the government agencies.

For all their efforts, Microsoft’s Security Response Center is not only grateful, they highly respect these security researchers and because of them having such high regard, Microsoft does not hesitate to pay them off with bug-bounty reward programs. Since July 2019 till June 2020, Microsoft has spent $13.7 million on these bug-bounty programs. This figure has tripled from $4.4 million last year only.

On the other hand, Google spent around $6.5 million on its awards for security flaws in its software. So, Microsoft is clearly spending a lot more than Google.

According to Microsoft, their recent higher payouts in 2020 is owing to the launch of six new bounty programs and two new research grants. These incentives alone attracted more than 1000 eligible reports from around 300 security researchers.

Microsoft also says that their security research had to increase amidst the COVID-19 pandemic because as per Google Project Zero or GPZ’s latest report, the months when the world was battling a crucial pandemic, 11 zero-day vulnerabilities were exploited in the wild, and Microsoft had to patch 115 vulnerabilities in March alone. The discovery of these vulnerabilities was rare and could only be made possible because of the security researchers working day in and day out to make the software flawless. So, this justifies Microsoft’s high payouts for security purposes.

Besides, Microsoft software had made up four of the 11 exploits that Google discovered that were being used in the wild in 2020.


Several other Microsoft flaws included the bug in Internet Explorer, CVE-2020-0674, that Microsoft had to patch in February. Apart from this, three more Windows memory-corruption bugs were exploited before Microsoft's patches released in 2020.

The bounties that Microsoft launched during the period include Microsoft Dynamics 365 Bounty Program, Azure Security Lab, Microsoft Edge on Chromium Bounty Program, Election Guard Bounty Program, Xbox Bounty Program, and Azure Sphere Security Research Challenge.

Flaws that are reported to Microsoft and other relevant vendors through these bug bounties can help in reducing the zero-day exploits that attackers can use and compromise the systems. Vendors supply security patches to the users once these flaws become known and vulnerability gets disclosed.



Read next: Microsoft Now Offers Up To $100,000 Reward to Security Researchers for Finding Bugs in the Windows Insider Preview
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