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Zivame Undergarments Coupons–Pretty Lingerie makes it All Better



Zivame Undergarments Coupons

Looking for a bra which is soft or comfortable? Then Zivame is the portal that you should explore. India’s largest online lingerie shopping destination where you can buy wide collection of bras, panties, shape wears, swimwear’s, nightwears and many other products. Gone are the days when you have to go outside for buying bras and panties and you feel shy in front of the people but with Zivame you can shop everything without leaving a home. Zivame offers ultimate deals and discounts to get the perfect lingerie of your choice with Zivame bra coupons. Worried about its prices or quality? Zivame offers wide collection of women undergarments and innerwear accessories from the top most famous brands at pocket friendly prices. Choose your best fit for every outfit and mood. So girls it’s time to say good bye to your old lingerie and update your wardrobe with Zivame latest collection of tops, trousers, dresses, bras, T-shirts, Capri’s and many other surprise waiting for you. 

Zivame Undergarments

Hotness Comes In All Shapes & Sizes

From everyday styles to high fashion products in every size Zivame has everything for every stage in a women’s life. You will definitely fall in love with Zivame collection of lingerie’s. They have the most beautiful and gorgeous wide range of styles with pretty colors and designs, lush lace, butter soft cotton cups and vivid prints from the most famous brands like Amante, Enamor, Jockey, Bwitch and many more.

Hotness Comes In All Shapes & Sizes

Zivame Bras& Panties: Choose your favorite bras according to your choice and needs like backless bra, transparent bra, strapless bra, push up bra, padded bra, sports bra, hot and Sexy cage bra and many more. All bras come with high quality and 100% cotton. Every bracomeswith full coverage styles and in padded, non-padded, lightly padded, wired, and non-wired. Buy comfortable or hot panties from Zivame and explore all the underwear styles like hipsters, tummy tuckers, no panty line panties in zero, bikinis, thongs, G strings and combo packs.

Zivame Bras& Panties

Nightwear & Shapewear Sale: Soft, daring and passionate, Express your love in front of your husband with Nightwear sexy lingerie. Having a sexy intimate lingerie is the major issue that women’s face today but Zivame solve your all problems and gives you best Nightwear lingerie from the top sellers at amazing prices. From daily wear to bridal set of panties, sexy baby dolls to snug onesies everything you need in women’s nightwear styles. 

Nightwear & Shapewear Sale

Apparel & Accessories:Who don’t want to look stylish? We all do. Explore tops, jeans, jackets, dresses, leggings, sweaters and many more under in one roof. Look more stylish and trendy with Zivame Apparels. Apart from Apparels Zivame also offers accessories like stockings, scarves, shoe liners, nipple pasties, bra straps and much more.

Apparel & Accessories

Look Sexy & Feel Comfortable With Zivame Bras

When we talk about bras the first thing that comes to our mind is level of comfort. Bras from Zivame are created by global designers who ensure that their designs provide the right amount of comfort to the wearer. Feel confident with Zivame bras and that comes with wire or non wired wires. Pick your favorite bra that suits your outfit like regular, strapless and halter bras. Don’t worry if you are not comfortable with your size you can order back within 2-3 days without any extra charges.

Zivame Bras

Enjoy the Zivame Exclusive Discounts & Sale Offers

Zivame provides amazing discounts and offers so that you can spare your more money. You will definitely fall in love with Zivame combos. Buy 3 bras and you will get 1 free or Buy 1 and get 1 free. For new users zivame gives additional discounts. Just Use Zivame coupons online and get exclusive offers. Zivame also allows its customers to use online wallets or you can also pay through via Credit or Debit card. So grab the best deals by searching Zivame discount codes and avail huge discounts. All you have to do is just download Zivame App and use Zivame promo code for free home delivery. So starts searching Zivame offers today coupons and pamper yourself with Zivame products. Search for Zivame first order coupon helps you to save your more money. Start your shopping today with latest Zivame Coupon Codes or promo codes and get extra cash backs or vouchers.

====================== Writer: Preeti Gautam

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Boost Your Online Auction Business Growth With An Impeccable Auction Script

Chris Holroyd



Ways To Generate Reliable Review Links

Today, technology has drastically changed the way people buy and sell goods. People, nowadays, show a keen interest in an online auction because they are able to get the product they want without any hassles. An online auction platform also serves as an ideal place for those who are looking to sell their products at the best prices and for those who want to purchase their desired products easily.

It is obvious that with the help of online auction platforms, people from all corners of the world will be able to sell and get the products in an effective manner. Also, in the current market trend, there is an immense increase in the number of online users who are looking for the best online auction platform to find and buy the preferred products comfortably. So, the online auction industry is growing at a very rapid pace and so many entrepreneurs are now venturing into this flourishing sector.

But, not all of those proprietors who plunge into the online auction business taste success in this prospering industry. Only those who succeed in building an outstanding online auction platform that fulfills the selling and buying requirements of millions of users can get ahead in this booming sector. So, if you want to start your own online auction business in this digital era, it is very much essential to know some vital concepts and should understand what people want from an online auction platform.

Therefore, if you are looking to run a profitable online auction business in 2020, then read this blog.

Because in this blog we are going to see some key strategies for launching and running a lucrative online auction business; we are also going to see how an auction script will help you to build a powerful online auction platform and to gain a competitive edge in the online auction industry.

Essential factors to stay ahead in the online auction business

Let us now see some crucial factors that you must consider in order to stand unique from others in the online auction industry.

Follow a meticulous business plan

If you want to be successful in your online auction business venture, you should analyze the online auction market thoroughly and then should define your target audience, decide on the product types for which you are going to conduct an online auction on your site, know who your competitors are, and then formulate a feasible business plan that will help you to succeed in your online auction business venture.

Build a robust online auction platform

If you want your online auction business to get global traction, then you must build a stunning online auction platform with unique functionality, features, and unrivaled performance. Only with such an astonishing online auction platform, you can stay ahead of the fierce competition in the online auction industry. Therefore, it is important to have a strong online presence to grow your online auction business in this competitive sector.

Optimize for mobile

Nowadays, with an immense increase in the use of mobile devices, customers mostly prefer to make purchases from an online auction platform that shows seamless performance across mobile devices. So, enhance your online auction platform for a rich mobile experience. So that users will like to make use of your online auction platform frequently. 

Make inclusions to grab user’s attention

If you want to retain your target users on your online auction platform, then you should make all necessary inclusions to enhance the experience of the users on your auction platform. You can include features that allow the sellers on the auction site to put up their various types of products for auction quickly and effectively. An effective communication channel will pave the way for smooth communication between the sellers and buyers on the auction site. So that buyers will be able to get an instant response to their product related queries. 

Also, people who are all on the verge of purchasing products on the auction site will always look for feedback from the other users who have already made their purchases on the platform. This will boost confidence in the user’s mind to make the purchase on the auction platform. So, include ratings and valuable reviews from the buyers who have purchased products on the online auction platform. And also, it is important to ease the payment process and for that, you can include multiple payment gateways.

Focus on meeting online auction business needs of users

An auction site that meets the selling and buying needs of users by carrying out an effective online auction process will definitely kindle interest in the minds of users to come back again to the online auction platform. So, you must streamline all your online auction operations on your online auction platform.

From this section, it is very clear that you can get ahead in your online auction business only if you succeed in building a phenomenal online auction platform with engaging features and cutting-edge technologies. But, how to build such a mind-blowing online auction platform?

Using Auction script for building an outstanding online auction platform

If you are really looking to build an impressive online auction platform with seamless performance, then you can surely go for a reliable and ready to use auction script. This is because, with a readymade auction solution, you can build your own auction site within a very short span of time. When you make use of a scalable online auction solution, you can include all necessary features in your auction site whenever needed depending on your online auction business needs.

Also, an adaptable auction script will suit many online auction business models and so giving life to your online auction business ideas will not be a tough job. So, making use of a fully integrated and readily customizable online auction solution with smooth performance will be the right option to develop your own full-fledged online auction platform. 

But still, you may have a doubt if it is wise to utilize a readymade online auction solution for developing an online auction platform. So, to make you understand in a better way, we can now see how a uniquely crafted auction script can help you in attaining success in your online auction business venture.  

Amaze users on the online auction platform with an exemplary auction script

  • With a comprehensive online auction solution, you can build a feature-rich online auction platform and can easily enrich the experience of users by including several exciting functionalities such as an internal messaging system, smart auction process, advanced filtering, quick auction set up, instant notification, and so on.
  • Normally, we will be looking for a convenient and safe online auction platform so that we can make our purchase without any hassles. With a remarkable online auction solution that is subjected to rigorous testing procedures, you can build an amazing online auction platform with best-in-class security checks. Thereby, you can improve the reliability of your online auction platform.
  • You can include beneficial revenue factors in your online auction platform with a unique auction script. Thereby, you can make a great profit with your online auction platform within a short timespan.
  • If you want to impress users on your online auction platform in the long term, then you must incorporate trending technologies into your auction site. This is possible when you make use of a dynamically adaptable online auction solution.
  • Also, with a complete online auction solution, you can develop an engaging mobile application for your online auction platform.

I hope you can now understand why a readymade auction script will be the right choice to build an astounding online auction platform.

Closing Thoughts

As said in the above sections, it will be a smart move to utilize a ready to use auction script for developing your own online auction platform within your budget. But, not all those online auction solutions that are available can fulfill your online auction business requirements and can help you in building an attention-grabbing online auction platform. Only a reliable auction script that is built with responsive design, modern functionality, and state-of-the-art technologies will help you in arriving at a feature-rich auction site. So, pay more attention while choosing an apt online auction solution for your business.

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One Person Company (OPC): Process of Registration, Requirements & Advantages

Chris Holroyd



One Person Company (OPC)

The Companies Act, 2013 totally changed corporate laws in India by presenting a few new ideas that didn’t exist already. On such distinct advantage was the presentation of One Person Company idea. This prompted the acknowledgment of a totally better approach for beginning organizations that agreed adaptability which an organization type of element can offer, while additionally giving the assurance of restricted obligation that sole ownership or associations needed.

In a Private Company, at least 2 Directors and Members are required while in a Public Company, at least 3 Directors and at least 7 members. A single person couldn’t fuse a Company previously. Be that as it may, presently an organization can be framed with only 1 Director and 1 part. It is a type of an organization where the consistence prerequisites are lesser than that of a privately owned business.

Advantage of having One Person Company

  • More opportunities, Limited liability
  • Minimum compliances
  • Easy Funding
  • A Separate legal entity
  • The Only Owner
  • Benefits under Income Tax Law
  • Receive interest on late payment

Who should start OPC?

  • Numerous individuals who are small dealers and retailers who deal with their business alone will shape OPC. They can take credits against their business and their own liabilities will be protected in case of debt. 
  • Numerous experts who work alone like Chartered Accountants, Lawyers, Architects, Engineers, Interior Designers and so on can enroll OPC. 
  • Youtubers and Bloggers who work alone can settle on OPC. 
  • Single Entrepreneur can begin with OPC and later believer it into Pvt. Ltd. Organization.

One Person Company (OPC): Process of Registration

Step 1: Apply for DSC: Digital Signature Certificate required following document:

PAN Card, Address Proof, Photo Aadhaar Card, Email Id, Phone Number.

Step 2: Apply for DIN: Once process of DSC completed next step is to apply for Director Identification Number of the proposed Director in SPICe Form along with the name and the address proof of the director.

Step 3: Name Approval Application: Next step while establish an OPC is to decide the name of the company. The name of the company must be followed by (XYZ) OPC Private Limited Company.

Step 4: Documents Required: Some documents are required which are:

  • The Memorandum of Association (MoA)
  • The Articles of the Association (AoA)
  • A nominee on behalf of such person
  • Affidavit and Consent of the proposed Director

Step 5: Filing Forms with MCA: All the documents will be attached to SPICe Form, SPICe-MOA and SPICe-AOA alongside the DSC of the Director and the professional, and will be uploaded to the MCA site for endorsement.

Step 6: Issue of certificate of Incorporation: On verification, the Registrar of Companies (ROC) will issue a Certificate of Incorporation and we can commence our business.

Basic requirements for OPC Registration in Jaipur

  • 1 Shareholder
  • 1 Director
  • 1 Nominee
  • Director and Shareholder is one and the same person
  • Minimum Share Capital shall be Rs. 100,000 (INR One Lac)
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What Enterprises can expect from an AI Chatbot in 2020?

Chris Holroyd



AI Chatbot in 2020

As per Gartner Artificial Intelligence (AI) will be a conventional customer experience investment in the coming years. As per the reports, The number of organizations that are willing to use chatbots for customer care and deploying virtual assistants is 47% and 40% respectively. 

With the advent of Technology, Chatbots have completely streamlined the interactions between the users & services (organizations). Nowadays, chatbots are gaining much more popularity & recognition than ever and have become a part of the organizations to communicate and ease the workup.

Bots are presently being actualized in various business verticals to convey prevalent client assistance and improve client experience. Chatbots will change the way businesses perceive and communicate with their clients and prospects. 

Some of the common use cases are customer service, lead generation, customer engagement, messaging apps, human resources, etc.

According to  Oracle, by 2020, 80% of business respondents were at that point utilizing or intended to utilize chatbots and 85% of business communications will be done through chatbots that offer various benefits such as round-the-clock availability on email, SMS, live chat, and apps. 

AI Chatbot in 2020

Top trends for AI chatbots in 2020

Here’s a look at which chatbot trends will dominate in the upcoming year:

1. Chatbots will be more human

As per the statistics, Global Market Insights, By 2024, the overall market size for chatbots would be over $1.3 billion, globally. So, it is expected that the chatbot industry will become the driving force of business communications.

With the advent of technology, it would be easier for bots to comprehend the discussions and the purpose of the queries. Alongside, Considering the chatbot details about how organizations are embracing AI innovation, there are still a few difficulties to execute chatbots effectively.

2. Use of AI in contact centers

Due to technological advancements, Chatbots, virtual assistants, and messaging are already helping transform call centers across the world. Artificial Intelligence will be important to the contact centers in the coming years. 

AI chatbot trends aim at saving costs significantly when businesses upgrade from inefficient IVR technology to AI. According to Chatbots Magazine, businesses can reduce customer service costs by up to 30% by implementing a conversational chatbot.

  1. More refined conversations

The primary purpose of chatbots is not only to provide support and services but to do so like a human. With the increased popularity of chatbots, the technologies powering them – namely NLP, AI, and machine learning- are being refined.

Due to this, now, chatbots will increasingly be able to communicate & hold conversations like humans instead of providing bland cardboard responses 

  1. Data-driven customer insights

The great thing about chatbots is that they can make notes, a.k.a, collect data while they are holding conversations or immediately after it. This means that instead of relying on guessed customer personas, you can know what your customers are actually like, what their most common pain points are, what they expect of you, and so on. 

  1. Automated support

This trend will be most apparent in call centers where the employees’ main job is to provide customer support and address customer requests 24*7. Chatbots can also reduce the cost up to 30% if bots are bringing in to provide customer service at the initial level. 

You’ll need to hire lesser people to attend calls and respond to emails. With the help of this feature, Requests and problems can be scaled up to the specialist (human) support team.

  1. Messenger bots

As per the statistics, 68% of consumers prefer messaging as the go-to way to communicate. The concept of conversational commerce is more preferred as it encourages buyers to shop online with chatbots. Messaging platforms help businesses to improve their branding & to deliver the best customer service.

With time, more and more brands will adopt messaging platforms to boost customer engagement and strengthen customer loyalty as these platforms will have strong bot capabilities and an integrated approach with various business functions.

Messaging platforms with the capabilities of chatbots can help to scale up the businesses by: 

Marketing engagement 

Brand awareness 

Customer support

Sales & lead generation

  1. Bots for internal use for enterprises

Apart from handling customer requests seamlessly, chatbots deliver incredible business value by streamlining the internal workflows from small businesses to enterprises. 

There are many use cases for AI chatbots with each variant application striving towards one common goal – to improve the experience and efficiency of the user such as:

  • Human Resource (HR): Chatbots can be used to keep the pulse of your employees, answer basic HR-related questions, and complete transactional HR services. 
  • Employee onboarding: Onboarding is considered to be a tedious and time-consuming task. With the help of chatbots, organizations can initiate the interview process by fielding screening questions and capturing the answers. It also helps in guiding new hires through company policies.
  • Internal help desk: Chatbot can handle the common queries and allow IT service desk agents to work on complex queries. The bot learns the answers to repetitive queries and improves the response time.
  1. Bots for payment

There are billion of businesses that use social media platforms as a part of their selling process. One of the most popular social media platforms is Facebook that has over 300,000 chatbots having the potential to make the payment method smooth and seamless.

Overall, chatbots promise to improve and increase the efficiency of every business process that leverages them. Chatbots are drastically changing the way businesses interact with customers, manage campaigns for lead generation, and automate payments. As per the Chatbots Magazine, 67% of US millennials are likely to purchase products and services from brands using a chatbot.

Here are some main benefits to use bots for  payment:

  • Customers can buy directly from Messenger – Customers do not have to leave their app to make the final payment. 
  • A good way of conversational selling –  Allows your customers to ask questions and you can recommend the best product as per their need.
  • Trust is a strong word – Many people rely on Facebook Messenger so no issues with credit or debit card security.
  • Easy scalability – It is easily scalable – it means you can sell products directly inside your automated Messenger sequences by 24×7 bot.

List of best AI chatbots for 2020

  • Watson Assistant
  • Inbenta
  • Vergic
  • Rulai
  • Ada
  • LivePerson
  • Bold360
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Do you Know These Useful Tips to Create Display Campaign?

Chris Holroyd



If you are thinking of investing in a SEM campaign, here are the basics to learn how to create one that goes straight to your potential customers.

Being present online in the right way and knowing how to reach the public really interested in your product or service requires building a strong and targeted digital marketing strategy and… Patience, lots of patience!

To speed up this process by attracting many users, our recommendation, as an agency with great Google Ads experience, is to create a display campaign.

Create Display Campaign

First things first: what is Google Ads?

Google Ads, until a few months ago known as AdWords, is Google’s PPC (Pay-Per-Click) platform that allows you to place advertisements in the search results of your browser or on its affiliate sites such as YouTube or Gmail. In this article we will focus on creating a first display campaign in the aforementioned areas.

Why advertise right here? Because it is the largest Adv display network in the world, since it includes all Google-affiliated sites such as YouTube, Gmail and blogs supported by Blogger.

The Google network is able to reach 90% of the total internet users in the world and gets 180 million advertising impressions on a monthly basis.

Why should a Google Ads display campaign interest you?

Creating a display campaign on Google Ads should interest you if:

  • You want to reach the audience that has shown interest in your product or your company;
  • You want to show your advertising in different spaces, including blogs and YouTube videos;
  • You are interested in publishing interactive advertisements that are particularly “catchy”.

Google Display allows you to:

  • Increase the visibility of your brand;
  • Generate direct traffic to your site;
  • Speed up the purchasing process ;
  • Increase the sales of your product and your service.

The common denominator of all this is an effective advertising campaign that can help you optimize your investment, but we will talk about this shortly.

What kind of advertisements are there?

You can publish different types of advertising on your display network, according to the needs of your brand. The main formats that can adapt to different sizes are:

  • Text
  • Photo
  • Video
  • Rich media, i.e. a mix of images, texts and videos.

When are the ads displayed?

Google Ads display campaign

You can show your users your ads on the Google Display network, before they even start looking for your product, with something that helps to catch their attention at the beginning of the so-called buyer journey.

Another possibility is that you keep in mind what users searched for on your site using remarketing. This technique allows you to get back in touch with those users who already know you to lead them back to the product of their interest.

Points to keep in mind when talking about display advertising on Google Ads:

  • The keywords determine the position of your ads alongside related content. It is also interesting to make a list of the “negative” keywords and add them to your campaign to be sure that your advertisements do not appear where they should not;
  • Advertisements appear on websites related to those chosen at the time of the campaign setting and only on the sites belonging to that network;
  • Once you have set your interests, advertisements will appear to users deemed “relevant” based
  • Advertisements appear to tagged users who have visited the pages of a website (public lists are created on the basis of remarketing codes);
  • Advertisements can be segmented by the age and gender of users.

Step-by-step guide to create your first display campaign

Once you’ve decided to create a campaign, the first thing you need to do is create a Google Ads corporate account.

Planning: why do you want to create an ads campaign? What budget do you have? Determine if you are interested in clicks, sales, time spent, lead acquisition, newsletter subscription or other.

Identify and create your target: where are your customers? Where do they connect from? What does he like? What sites do they frequent? How often. Define all these aspects to reach your audience.

Design: which format best suits your campaign? What message do you want to communicate? What landing page do you want to direct to? It is essential to consider that more and more users surf from their mobile devices, therefore it is mandatory to think of a responsive design. Google Ads allows you to segment by different device.

Frequency cap: It is important that you set limits on the frequency with which your remarketing campaign appears to users: this is because you do not have to “stress” users and you must be consistent with your message.

Schedule the publication of your campaign: when to publish the campaign? Choose the period in which you’re advertising will be active.

Measure the impact: What is the ROI like? What kind? Post-click and post-impression click? To have an effective measurement you need to install a “conversion tracker” using a code on the “Thanks for your purchase” page so that Google Ads can keep track of it.

Campaign Optimization: What Can You Improve? But above all, you must pay attention to how your advertisements perform in specific locations to exclude them or choose them based on their performance.

Display campaigns are primarily designed to improve your branding. Including them in your Digital Marketing strategy will allow you to get the best.

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How AI And Big Data Are Transforming The Customer Experience

Mitesh Patel



How AI And Big Data Are Transforming The Customer Experience

Because of AI all the business activities and people’s lifestyles are changing very fast. Every business enterprise is trying to adopt the new technologies and the different uses of the internet. Nowadays the customer services industry has also changed their way of doing business, in other words, it is a major turning point for them in the business world.

In today’s world of technology, the client can easily have their information with one click of the button and are spreading this information to the other people. Now it is very important for business enterprises to remain in the competitive market, so they are making sure that they are engaging the client’s participation in every different aspect.

With the expansion of technologies, the participation of customer’s services care has reached new heights of the business. There are different types of technologies such as AI, blockchain, and big data. It helps the business organizations to improve their intelligence level and the decision-making process, which also helps them to coordinate with the latest technologies and trends and to understand the client’s nature. 

85% of the customer’s communication will be taken over by the technologies but not by including a human being by 2020. People are now depending on the trading apps rather than on a human force for doing the easy and the fastest work. Because of the change in the technologies, the working pattern of various call centers is being changed. Before coming to the important topic, need to know the requirements of AI and big data in the client’s life.  

Requirement Of Big Data And AI In The Clients Interview

Day by day the customer’s expectations and experience are increasing and have now become the most important part of the competitive market of business. There is complexity in the different territory of the client’s experience such as billing, online help, surveys, account management, technical support, and the different types of payment systems and surveys too only because of the rapid increase in the data. 

To handle the complexity of data, there is the adaptation of new and innovative technologies such as big data and artificial intelligence. For the growth and the better customers experience the call center industry is moving toward the new technologies for handling large amounts of data and giving them solutions related to it. Because of these reasons the industry is moving towards automatic technologies. 

It is very important to incorporate with the technologies of big data and AI . because the customer’s communication has been shifted to social media along with the business.

Development Of  Customers Experience By Using Ai And Big Data 

To boost sales and customer holding, AI technologies such as natural learning processes and machine learning are being used in the mobile app development services to support different brands. 

AI has a positive impact on call center applications and is being believed by the majority of professional bodies of IT. The majority of them are investing in AI startups projects.

Different ways to control the big data and to improve the client’s experience:

AI-powered virtual assistants and chat bots will lead to improving the experience.

To make it clients experience automatic, quick, and hassle-free there is a huge impact of the AI. Conversations tools provide fast and spontaneous replies for other customers with different engagement interactions. 

To save revenue, the company will lessen the time period for the training employees so that they can concentrate on giving immediate responses to the queries of the clients. Errors and delays in the services are handling the client’s problems. 

Because of this technology, the firms are able to spread useful information to their audience very properly and in a systematic manner. By keeping the buyer busy in the simple conversations with the Facebook assistant boy. Along with machine learning, the speed of the customer chats has been increased and is also generating new and innovative ideas for marketing and increasing the profit levels. Increases in sales which ensures that the potential clients are being targeted for the correct stage. 

Predictive customization 

It means that the foretelling of the action of the user on the basis of past behaviors. It helps to improve the experience of the customers every day.

Products are made in such a way that the customer is feeling like it has been made for them only. 

It generally comes from the idea of online shopping which takes the reviews of the customers on a daily basis by conducting the online sessions and checking the change in their behavior.  In this process, sample time is being used on purchases and searches made and the reference taken from the different websites. 

Keeping a proper check on the individual’s behavior and making the correct product and delivering them to their doorstep in the time period given. Firms will be able to take more customers’ experience, smoothly and try to work on their part where there is lacking. 

AI-authorized Analytics for vital Customer perception

It plays a very important role in feeding the information into the CRM, marketing automation, and other basic operational tools. It helps the employees and customers to better understand and empowers them for the quick decision-making process. 

For the customer’s analysis, there are tools that help them to find out what their customers are finding and give them the responses on time. Such tools are machine learning, face identification software, and text analysis that can be used by business firms. In spite of having more complicated data spaces, it provides more business opportunities. 

User experience and user engagement

All the engagements of visual, voice, and text help us to indicate the feelings and emotions in different ways of communication. It includes face to face analysis and video chat conversations. 

This is a process that uses voice bio-metrics which is present in vocal cords and modulations in the calls which are used to understand the feelings of the client. By using AI-based algorithms, companies can trace communication and identify the satisfaction level which helps them to gain more profits and to deliver the correct emotions which will lead to the rise in the lifetime value of the customers.

Supporting customers 

Clients always want their queries should be solved or answered quickly because they don’t want to be transferred to different agents. As the employees working over there  

Data-driven decision making 

Availability of the client’s data and the information will analyze and extract the prosecutable insights to inform and to do the right decision making. 

This technology can organize and find out an ample amount of structured and unstructured data from different sources to identify the trends and expectations of the client and to fulfill their demands. This will help in selecting the right product and making the design used in a messaging app to enhance their brand’s experience.


AI is having the future and the demand for this is increasing very rapidly because the call centers industry is coming to know about the AI-driven tools so that they can deliver the highly impactable clients experience which is highly qualified. These two technologies are the forefront technologies which are helping them to improve medical research to clients’ experience.  

To use this technology it is very important to have the proper dataset and regularly checked algorithms to make sure about the efficiency. As it simplifies the client’s reaction to deliver a meaningful message of the customer’s activities. These data-driven technologies are as good as the quality of our data sets and to derive the perfect insights. 

For an outstanding experience, this technology is the key to spread the information through big data and AI. There are many AI-based contact center software which can be used so that we don’t need to start from the basics. 

Evolving AI provides endless opportunities for linking clients’ data to create sophisticated journey analysis.     

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Pension Scheme- Types of Pension Plans and their Tax Benefits

Chris Holroyd



Pension Scheme

A 2018 survey indicated that only around 33% of employed Indians actively plan their retirement or save money for this purpose. Nonetheless, planning for life after retirement is crucial. What’s needed is a fixed, regular income. It also prepares individuals for emergencies like medical issues and other issues.

This is why knowing and investing in a pension scheme from an early age is crucial. There are several pension plans available in India, which one can consider to start their retirement planning. Some of them have been mentioned below –

  • Employee provident fund ( EPF) – 

This is a pension plan for salaried employees in the private sector. Employee and employer both contribute 12% towards this scheme. Any organisation with 20 or more employees is required mandatorily to register with EPFO or employees provident fund organisation.

One can also make an additional contribution to their EPF account over the compulsory 12%. This provision has been made under the voluntary provident fund. The accumulated amount in this fund can be partially withdrawn to meet expenses in some instances such as a wedding, medical treatment, down payment for a home, and the likes.

The account holder can avail the full amount in the employee provident fund account if they are unemployed or retired. In case of account holder’s demise, the amount will be paid out to the nominee. The whole amount is exempted from tax. There are several meaningful ways to use your EPF money, ensuring maximum profitability.

  • Public provident fund (PPF) – 

It is another savings scheme initiated by the government of India. All Indian citizens except non-resident Indians and Hindu undivided family can open an account under PPF. A PPF account can be opened at a financial institution or post office. 

In a PPF account, a deposit has to be made once a year for a period of fifteen years. The minimum amount that can be deposited is Rs.500, and the maximum amount can be up to Rs.1.5 lakh. Since this is a government initiative, the investments made in this scheme is free of risk. Aside from that, one can also avail loans against their PPF account between the third and fifth year from the day of opening the PPF account. However, the loan amount will be 25% of the total investment made in the account at the end of the second year.

The maturity amount after a period of 15 years is exempt from tax. Similar to an EPF account, premature closure of PPF account is only allowed in some instances.

  1. National pension scheme (NPS) –

This long term pension plan was initially launched for government employees. But since 2009, all Indian citizens except Defence employees can invest in it. Contribution can be made to this savings scheme throughout the course of an individual’s employment. 

On maturity, account holders are only allowed to withdraw forty per cent of the total amount. The rest sixty per cent will remain as it is and account holders will receive the interest on it as pension throughout their life. 

One can carry out the online or offline application procedure to open an account under this scheme. In an NPS tier-I account, individuals can avail tax exemption up to Rs.2 lakh under section 80C and 80D. However, in an NPS Tier-II account, only government employees are given tax exemptions up to Rs. 1.5 lakh.

Under the above mentioned schemes, one receives a lump sum amount at the end of the maturity period.  Consequently, one can put the entire earnings from such instruments in a fixed deposit account to earn further substantial income on it. There are two types of fixed deposit – cumulative and non-cumulative fixed deposits. 

  • Cumulative fixed deposits – if you wish to wish to increase your retirement savings, you can opt for cumulative fixed deposits. Since the accumulated interest is paid along with the principal amount at the end of the maturity period; one can earn a substantial amount.
  • Non-cumulative fixed deposits – if you want to earn a regular income on your retirement savings, go for non-cumulative fixed deposits. The interest is compounded and paid out periodically. You can choose to receive the interest as per your convenience.

Aside from the pension plan mentioned above, one can also consider investments that will enhance their retirement portfolio. Senior citizens can earn more using FDs than their non-senior citizen counterparts. Refer to Fixed Deposits offered by leading financial organisations like Bajaj Finance who offer interest rates of up to 7.85% along with CRISIL FAAA rated guarantee. Park your funds for either periodic or lump sum payouts as per your financial plans and needs.

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