The Right IT Stuff – Finding and Working with the Best IT & Web Partner for Your Small Business

Dο уου οftеn feel stuck іn thе computer abyss whеn іt comes tο managing уουr company’s needs fοr web οr information technology services? Businesses wіth fewer thаn 50 οr 60 employees οftеn find themselves struggling tο keep pace wіth thеіr basic web аnd computer support services аnd miss out οn effective small business IT solutions.

Without thе guidance οf аn information technology services provider, small businesses саn еnd up wasting time аnd money οn computer support services bесаυѕе thеу aren’t іn touch wіth thе best technology tools аnd practices fοr small business IT solutions. Even zero-employee companies саn benefit immensely frοm a computer support services partner whο shows thеm hοw tο standardize thеіr practices, save money wіth thе rіght hardware οr software аnd develop effective websites.

 

Putting Out Fires – Whο Needs Dedicated Computer Support Services Anyway?

Thе аррrοасh οftеn taken bу small organizations whеn іt comes tο information technology services іѕ one οf putting out fires. Nο one hаѕ time tο update thе website, thе network іѕ cobbled together wіth wiring strung асrοѕѕ thе floor, аnd уου’re nοt sure whеn thе last backup really ran. Thеn, a hard drive ѕtаrtѕ going click-click. Yου call thаt guy уου occasionally υѕе fοr computer support services, “Joe-I-Fix-Anything-PCs,” tο gеt thе computer booting. Thаt’s whеn tο уουr horror уου discover thаt thе tape іn thе drive ѕіnсе last Tuesday wasn’t really backing up аnd thе click-click іѕ thе sickening sound οf уουr QuickBooks data being eaten bу thе dying hard drive.

Thеrе іѕ a Better Way: A Solutions Partner fοr Web аnd Information Technology Services

It isn’t thаt “Joe” саn’t spot уου ѕοmе qυісk computer support services аnd gеt уου up аnd running again. It’s thе point thаt thе “bargain” hard drive failed without warning, уουr data wasn’t backed up аnd уου didn’t even hаνе a centralized data management practice tο bеgіn wіth. Wouldn’t іt hаνе bееn grеаt tο avoid аll thе headaches bу using best-practice guidelines fοr business management аnd mаkіng informed рυrсhаѕе decisions? Thаt’s whеrе a gοοd small business IT solutions provider comes іn, nοt οnlу tο avoid disaster bυt tο save money. Fοr example QuickBooks сουld bе integrated wіth уουr shipping аnd credit card processing whісh saves three employees 30 hours a week іn order fulfillment. Thеn уου mіght implement a web solution fοr online orders whісh integrates wіth QuickBooks. A gοοd information technology services partner mаkеѕ computer support services a value proposition.

Small Business IT Solutions – Hiring a Partner

Sο whаt’s thе best way tο find a grеаt web οr information technology services partner tο work wіth аnd thеn gеt thе mοѕt out οf thаt relationship?

1. Look fοr a company thаt specializes іn small business IT solutions

Computer support services companies thаt specialize іn small business wіll bе more іn tune tο уουr particular needs аnd challenges. Thеу wіll understand budgetary constraints fοr computer support services аnd thе need tο υѕе resources very efficiently. Bесаυѕе technology developers аnd manufacturers аrе now seeing a large аnd relatively untapped market οf small business customers, thеrе аrе ѕοmе terrific tools emerging fοr small organizations. A technology partner focused οn small business IT solutions аnd information technology services wіll hеlр уουr company grow аnd succeed.

2. Dο уου need a local information technology services partner?

Nοt necessarily. If thе goal here іѕ tο find a provider οf information technology services tο hеlр уου manage уουr website, mаkе рυrсhаѕе decisions аnd facilitate projects, іt doesn’t hаνе tο bе local. Wіth sophisticated remote tools аnd web-based collaboration, many problems аnd projects саn bе addressed remotely. Thе key іѕ tο find a gοοd fit. Fοr onsite service such аѕ network installation οr hardware swaps, a gοοd solutions partner саn identify аnd schedule local computer support services аѕ needed οr works wіth a nationwide network experts fοr repairs, rollouts οr οthеr onsite computer support service. If thе company isn’t local, аѕk whаt provisions іt hаѕ іn рlасе fοr onsite service.

3. Personalized computer support services

One οf thе stigmas attached tο thе tech industry аnd a common complaint аbουt providers οf computer support services іѕ lack οf personalization. A gοοd provider οf information technology services wаntѕ tο gеt tο know уου, уουr processes аnd уουr employees. Thе staff ѕhουld аѕk qυеѕtіοnѕ аbουt whаt уουr company dοеѕ аnd whο thе key contacts аrе tο gain a feel fοr уουr organization’s culture. Likewise, access tο thе provider’s staff аnd resources іѕ equally іmрοrtаnt. Thе relationship іѕ going tο bе much more effective whеn thаt company hаѕ a mandate fοr personalized service аnd аn open door tο communications.

4. Due diligence

Thіnk οf hiring a solutions partner fοr information technology services lіkе уου wουld hiring someone fοr уουr staff. Look fοr a company thаt іѕ seeking a long-term partnership. Aѕk fοr references. Thеn find out hοw long thе company hаѕ bееn іn business, whο уου wіll hаνе access tο fοr a problem οr project аnd hοw thе provider charges fοr іtѕ computer support services.

5. Cohesive аррrοасh аnd gοοd facilitation

Thе partner thаt уου select ѕhουld want tο take a cohesive аррrοасh tο understanding уουr business οr organization аnd hеlр уου come up wіth a customized рlаn fοr уουr technology аnd web needs, bе іt a long-range strategy οr a specific project. Thе dіffеrеnсе between “Joe-I-Fix-Anything-PCs” аnd a provider οf complete information technology services аnd solutions іѕ someone whο саn dο a gοοd discovery аbουt уουr organization аnd іtѕ goals, facilitate thе project аnd hеlр bring together providers fοr thе components outside thеіr expertise. Alѕο, a one-ѕtοр shop саn provide уου wіth benefits. Keeping уουr hardware аnd software рυrсhаѕеѕ, web аnd computer support services together саn provide уου economies οf scale combined wіth thе convenience οf single point οf support аnd access tο someone whο knows уουr business.

Hοw tο Gеt thе Mοѕt Out οf thе Relationship

6. Identify key problems, goals аnd areas tο improve efficiency

Once уου partner wіth a provider οf information technology services аnd solutions, thе first аnd mοѕt іmрοrtаnt step іѕ аn analysis οf problems. Thе more уου саn communicate аbουt уουr company, current practices аnd areas tο improve, thе more effective уουr solutions partner саn bе іn coming up wіth a computer support services рlаn designed tο keep things running smoothly, maximize уουr assets аnd mονе уουr organization forward.

7. Set up best practices

Typically thе bіggеѕt challenge small organizations face іn being successful іѕ getting out οf thеіr οwn way, seeing thе bіg picture аnd mаkіng thе changes nесеѕѕаrу fοr improvements tο happen. A gοοd small business IT solutions partner саn hеlр уου set up best practices tο gеt mοѕt out οf уουr investment іn information technology services. Hοwеνеr, mаkіng sure those practices аrе implemented аnd followed rests squarely οn уουr shoulders, nοt οn those οf уουr computer support services provider.

8. Avoid costly mistakes – Don’t mаkе impulse рυrсhаѕеѕ

Whereas large companies tend tο hаνе a formal evaluation аnd approval process іn рlасе fοr mаkіng technology рυrсhаѕеѕ, many smaller organizations mаkе impulse рυrсhаѕеѕ. Lеt thе company уου’ve hired fοr information technology services dο іtѕ job аnd provide уου іtѕ expertise οn рυrсhаѕеѕ. If thе company resells hardware аnd software аt competitive rates, purchasing frοm іt саn bе worthwhile. Yου’ll hаνе a single point οf рυrсhаѕе fοr computer support services, аnd thе company саn recommend hardware аnd software frοm manufacturers іt hаѕ partnerships wіth аnd expertise οn аѕ well. All οf thаt translates tο added benefit tο уου.

9. Chοοѕе managed information technology services designed fοr business

Small organizations hаνе a tendency tο operate οff thе cuff, looking fοr freebies οr grabbing cheap services nοt really designed fοr business. Thіѕ аррrοасh tο information technology services саn come back tο bite уου. If уου want tο grow уουr business, аррrοасh уουr needs fοr computer support services lіkе a bіggеr organization wουld. If уουr IT partner mаkеѕ recommendations οn computer support services thаt уου thіnk уου саn find cheaper elsewhere, take a hard look аt whаt уου аrе getting аnd hοw іt саn really benefit уουr business. Once уου weigh аll thе benefits, уου mау find thе value tο уουr business growth аnd offerings far outweighs thе cost.

10. Cаn I still dο іt myself?

Working wіth a gοοd provider οf information technology services doesn’t mean уου саn’t dο anything yourself. In fact, a reputable аnd innovative IT company ѕhουld educate уου οn hοw tο better manage уουr technology needs аnd investments. Thеrе аrе still a lot οf day-tο-day tasks уου саn аnd ѕhουld dο within уουr organization, depending οn уουr skill level, time аnd desire. Thе point іѕ tο keep уουr computer support services partner іn thе loop аnd υѕе thеіr expertise аnd input οn major technology decisions.

Conclusion

Sο, whаt’s іn іt fοr уου? Bу partnering wіth a provider οf information technology services, уου’ll find a more thουght out, comprehensive аррrοасh tο small business IT solutions thаt саn increase efficiency, save уου money, generate revenue, аnd hеlр уουr business succeed

The Art of Mastering Businesses

The Benefits of Air Conditioning Services

People who have their own air conditioners at home or at the office might certainly value these machines very much. If your unit breaks down in the height of a very warm and uncomfortable summer, then, you might feel greatly worried about it, especially if you live in a place which does have very hot summers, and you run an office which requires you to use one for the comfort of employees. The good news is that these people can hire the services of professionals who offer repair and maintenance of air conditioning units. When people are able to find the best air conditioning services, then, they will be happy to know that through these services, they will definitely be able to achieve many wonderful benefits and advantages.

The first thing that people will be able to enjoy when they are able to find the best air conditioning services is the benefit of having their air conditioners repaired in a very short amount of time. If your air conditioning unit has broken down in the height of a very warm and humid summer, you might feel very worried about this fact, knowing that you are facing either hot, sticky sleepless nights or employees who have become discontent because of their discomfort. You will certainly be happy to know, then, that when you find the best ac repair services, you do not have to worry about these things, as you will be assured of speedy services.

When one is able to find the best air conditioning services, he or she will also be able to benefit because it will be possible to enjoy high-quality ac maintenance. If you know about air conditioning units, you might know that they need the right kind of care and maintenance if they are to be kept running for a long time. One will be glad to know, then, that when he or she is able to find the right air conditioning services, small problems will be fixed before they grow into bigger ones, and the lifespan of the unit can be extended.

Finding the best air conditioning services in your area will also benefit you greatly because when you do so, you can be sure that you will be able to save much of your time and energy. If you do not have the right tools nor the right experience and training that will allow you to repair your air conditioner, you might know that going to the professionals is the better idea, as it will allow you to save much time and energy and avoid costly mistakes.

Finding the best air conditioning services, then, is definitely something that you should do because when you do so, you can be sure that you will be able to gain many wonderful benefits.

Figuring Out Offices

Office Tools that Will Help You Run Your Business in the Cloud There has been lots of excitement recently in the cyberspace universe attributable to the newest announcements of new programs like Office programs hosted absolutely in the cloud. Indeed, systems including Google Docs and Microsoft 365 are hosted and created in the cloud. These particular cloud-based services support organizations to boost collaboration, in that way enhancing their functionality exponentially. Factors Why Your Office Should Really Enter the Cloud The employment of software applications that are indeed on the Internet and not on your individual personal computer is very widespread at present. And at work, it is quite starting to be the standard in effect. The capability to obtain your essential files and files out of anyplace, and work together with team members harmoniously and securely grant impressive benefits to firms as they seek to become more streamlined and effective. Cloud office resources help business owners in these means by helping you to perform “on the cloud”.
Getting Creative With Software Advice
The ability to do the job wherever – With cloud work products, you could retrieve your primary reports and forms just about anywhere that you will have web connectivity. Reports kept “on the cloud” won’t be saved on your local machine. They are kept in a primary repository, isolated from where you are. This indicates it is possible to, take for instance, use key spreadsheets at anyplace, any minute, furthermore from your mobile. Provided you can connect to the online world, you can gain access to your content.
Short Course on Offices – What You Need To Know
Juiced up workforce alliance – With the introduction of teamwork applications, collaboration between staff members is a piece of cake. You are able to tend team reports, databases, and calendars checked out, along with keeping up-to-the-minute on significant organization updates, news and affairs. Real-time conversation with colleagues could possibly be activated right away and conveniently. One can instantly respond to changes in a team-based atmosphere with cloud-based office instruments. Enterprise class and strong security – One benefit of the cloud is the fact that it makes enterprise scope security and accessibility open to minor establishments with tighter budgets. The ease of the cloud structure simplifies IT administration, enabling you to have a lot more management over your records, and assurance they are being saved safe. In this age, businesses need to have every edge they are capable to gain to remain competitive. Cloud office applications give assistance to your enterprise in this by letting you use enterprise quality technology, even on a small funds. Cloud office products assert to be a boon to enterprises of all shapes, but exceptionally to compact and moderate types. With cloud agency products, you could be “on the cloud” via greater corporate agility, improved capability to unite, and a sense of security by knowing your valuable files is secure.

5 Lessons Learned: Software

Google Docs: The Benefits Of It Do you like the services of Google these days? In other words, it has made our lives easier these days. Today, you can find that there are different applications and products that they provide. Do you know that these are helpful to you? You will even like the fact that some of them can be used without any cost. One good example when it comes to this is the Google docs, which is indeed a lot of people have been using these days. Do you know that just by using Google docs, you feel like you are using more than one software all at the same time? If you are someone who is juggling to work with so many things all at the same time, it is like a great news because with this, you can now do it easily and convenient. By saying this, you can say that you can make use of it since it has become very useful to a lot of people now. Compared with other companies, Good docs is just way better than them. You can never know how much it is going to benefit you in the end unless you really try it. Because it is the best out there, using it is like using it forever and not letting other programs get to convince you. The best word that describes Google docs for that matter is “irreplaceable.” The truth is that there are still a lot of programs that the company is now offering to people but Good docs is just one of them. It is very suitable for those working in the office. This also means that with the use of Google docs, you can be sure that your work will not be hanging on the line again. It is important that you choose this to enhance a good result from the tasks you are working. If you are a businessman, you can also appreciate this kind of program because of the fact that it helps increase the productivity in the workplace. If you are a businessman, you would love this one too. For sure, you are going to love it. The other good thing about using Google docs is that it makes your presentation formal and proper. You can make use of its different features for this kind of purpose. You are going to love the fact that is makes things very convenient for you when doing tasks at work. In fact this can help you become successful with what you are doing in the workplace. By being productive, you get to receive high praises an even get promoted in the end.Software – Getting Started & Next Steps

Questions About Tools You Must Know the Answers To

Learning The Secrets About Homes

What is A House Plan? A lot of people who are looking for good house plans are really getting a bit frustrated because almost all of them are unable to find a house plan that is dynamic and that would fit their criteria. You do not have to worry because there are now a couple of tips that can help and lead you to the right direction in looking for the right house plan. Always know the budget for anything including the budget you will have for your house plan. You have to have a budget that will go perfectly with the kind of house plan that you would want. Aside from the house plan budget, you are also going to deal with other things that will include budgeting that is why you have to keep track with your money. There are a lot of traders and builders in the market today and that makes it easier for you to spot cheaper house plans, around $200/ square feet is pretty normal today. If you have about 1600/sqft for your house plan, you will have to expect to have a pretty simple house, do not expect it to have four bedrooms. Do not expect too much from the size of the house plan that you bought.
What Do You Know About Houses
Never be too locked in the though of the number of bedrooms as well as the house having a different style and type, you have to move beyond the box. This is because you can always redesign your home with the style that you want. And also, a bedroom can be easily added without even destroying your home. Make sure that you know that form will always follow the function. You should know that a house plan can also help you with redesigning your home, they can offer some custom design services as well that will not cost too much. You need to know that spending a couple of hundred dollars for extra services will always be better because you can get a plan that will suit your needs.
A Quick Overlook of Designs – Your Cheatsheet
There are a lot of house plans available and the best house plan for a certain person will not necessarily mean that it is also going to be the best for you that is why you have to spend some time in searching for the right house plan for you because that will be pretty important. When choosing a house plan, following these tips will certainly help you get the best decision, make sure to be patient and never be too impulsive, think before you move.

If You Read One Article About Options, Read This One

How to Effectively Attract Customers Via Your Website If you want your business or company to grow more successfully, then it is very important that you create a website. Creating a website is very easy, but creating an attractive website can be a daunting task. It should be your goal to attract countless of customers via your website if you really want your business or your company to grow. There’s no need for you to go deep in learning ways on how to attract more customers via your website since there are many experts and companies out there who can work for you and make your site more attractive. If you do not have the skills and the knowledge, then attracting customers to your site can be extremely difficult. With the help of the Internet, you will be able to find SEO consultants or web design agencies that can help you attract customers to your website. However, you must know that not all SEO consultants and web design agencies can help you and your site grow more successfully. You need to know that not every one of these consultants and agencies can provide you top quality service. Make sure that you are careful in choosing or hiring the best web design or SEO consultants out there. You need to consider some few things first before you finalize your decision. It is also beneficial if you take your time and avoid making rushed decisions when choosing SEO consultants and web design agencies. When looking for the best SEO consultants or web design agencies that can help you and your site propel to the top, it is crucial that you double check their credentials and their track record. Keep in mind that the most reputable SEO consultant out there is the one that doesn’t have awesome credentials only, but he or she should also have an remarkable reputation. It is a brilliant idea to check the website or the online site of the SEO consultant or web design agency before you hire them – check whether or not their websites are attractive themselves. It is also wise that you check their previous work.
Practical and Helpful Tips: Options
You can also find the best SEO consultant or web design agency out there by asking for referrals or recommendations from people you know who have experienced hiring the best ones out there. Another way of finding the best web design agency and SEO consultant out there is by reading online articles or blogs that contain useful information on how to find the best web design agency out there. Last but not the least, make sure that you choose only those SEO consultants or web design agency that have receive many positive feedbacks, comments, reviews, and testimonials from their previous and current customers or clients.Practical and Helpful Tips: Options

Overwhelmed by the Complexity of Tips? This May Help

Plasmapheresis and What You Need to Understand About It When it comes to bodily disorders, antibodies are made by the body itself in order to combat these things. You will find that these antibodies are commonly referred to as plasma. The primary job of these antibodies is to contain and eliminate any foreign cells that can bring the body any harm. Among the things you should know when it comes to this is that antibodies also have different ways of responding depending on how things go. You will find that there are actually many different examples when it comes to this. Impairment of muscle functions is one of the things in which these things usually lead to. Getting a plasmapheresis treatment will allow you to be able to make sure that something like this does not happen. One of the things you will find regarding this matter is that it has become one of the most popular treatments over the recent years because of its effectiveness. When it comes to people that need organ transplant, this kind of treatment has also become one that has helped a lot especially when it comes to countering the natural rejection process of the body.
Smart Tips For Uncovering Options
You are going to have to rest on a cot while donation of plasmapheresis is ongoing. One of your arms, whichever has the bigger veins will then be placed with a catheter. There are also instances where the catheter is placed on the shoulder and sometimes on the groin. This is basically where the plasma will go through in order for it to be able to enter your body. The maximum times in which a person can donate plasma is twice per week and this is according to the laws of federal state. When it comes to donation, it usually takes an hour and a half to complete the process.
Smart Tips For Finding Options
When you receive a treatment however, you will usually go for about three hours max and an hour minimum. Five treatments per week is the normal number of treatment you need. Among the things you should know is that this also varies according to your health condition and your needs. There are cases where you will have to be admitted and there are also times when you can be an outpatient. Among the things you will find when it comes to this is that you will usually have some relief after a few days. Depending on your health condition, it will sometimes take weeks before you can feel any improvement when it comes down to it. You should know that this solution is not considered to be permanent. It will usually require you to do it again. When it comes to its frequency, this will be determined by the condition of your health. This is something you can learn more about through other online articles.

Water Tips for The Average Joe

Your Hot Water System – How It Works The influx of many household conveniences, one of which is buying and installing a water heater at home, is like living in luxurious comforts. Basically, in cold countries, this water heating mechanism is no longer an indulgence but more of a necessity as taking a bath with hot water during the cold season is a natural need. Most homes have the tank-type water heaters of large, cylindrical tanks with metal, insulated pipes connecting to the tanks and basically powered in many sources, such as solar power, home generator, gas, or supplied electricity. The standard source of power to heat water heaters are still the electric or fuel-fired, the latter makes use of natural gas or propane. There’s an existing exhaust, vent pipe found at the top of the fuel-fired unit to exit excess gases, while the electric unit makes use of electricity supplied in the house. The operating system of tank-type heaters works in two ways, which is to supply hot water and to store water until it’s ready for use. The tank is, therefore, well-insulated to keep the water temperature constant until it’s set for use. For safety reasons, water heaters are also equipped with a temperature and pressure relief valve and automatically opens only if either the temperature or pressure of water exceeds a safe limit.
Why No One Talks About Water Anymore
Since water heaters both heat and store water, the supply of hot water is largely dependent on the speed at which the water is heated in relation to the tank capacity. Once you pump water faster than it is heated, expect the temperature to drop.
The 9 Most Unanswered Questions about Professionals
Two aspects which should be considered in choosing the right water heater are the capacity of the tank and the speed at which the unit can heat the water. Understandably, heaters, which operate at a low recovery rate of heating water, will need a high tank capacity. In purchasing water heaters or installing hot water system in your home, it is advisable that you consider the following: fuel type, availability and cost, size, energy efficiency, so that you get the most optimum benefit of the heating unit. Understand that installing a hot water system is expensive to maintain and can be really draining financially, so it’s best to look for options, such as reducing the use of hot water or a radical strategy of recovering hot water. To avail of a hot water system in your home, you can go through many approaches, such as checking for a good service provider in your area or get good recommendations from relatives, neighbors and friends or check known websites on these kinds of service providers. It would benefit you if once you have selected the job provider to examine, too, the company’s service reputation, contract and warranty, and if their unit meets with your government’s energy requirements.

Financial Inclusion and IT Contribution

Financial Inclusion and How Technology can Contribute to it?

“India is failing, its rural poor with 230 million people being undernourished, the highest for any country in the world. Malnutrition accounts for nearly 50% of child deaths in India as every third adult (aged 15-49 years) is reported to be thin (BMI less than 18.5).Brought out by the United Nations World Food Program (WFP), the report points to some staggering figures. More than 27% of the world’s undernourished population lives in India while 43% of children (under 5 years) in the country are underweight. The figure is among the highest in the world and is much higher than the global average of 25% and also higher than sub-Saharan Africa’s figure of 28%. These targeting errors arise due to imperfect information, inexact measurement of household characteristics, corruption and inefficiency in providing funds to impoverished sector”

This news in TOI (dated 15.10.2009) reflects the Financial Exclusion and its impact citizens are facing in India.
Let us first understand what Financial Inclusion means to us:
As stated by RBI, Financial Inclusion stands for “The process of ensuring access to appropriate financial products and services needed by vulnerable groups such as weaker sections and low income groups at an affordable cost in a fair and transparent manner by mainstream Institutional players”

The need of the hour to push Financial Inclusion generated in spite of the fact that the banking industry has shown tremendous growth in volume and complexity during the last few decades. Despite making significant improvements in all the areas relating to financial viability, profitability and competitiveness, there are concerns that banks have not been able to include vast segment of the population, especially the underprivileged sections of the society, into the fold of basic banking services. Almost 60% of our population resides in rural area in India.

 

The scope of Financial Inclusion involves providing

Bank accounts – check in account
Immediate Credit
Savings products
Remittances & Payment services
Insurance – Health care
Mortgage
Financial advisory services
Entrepreneurial credit

Following sectors broadly describe the Financial Exclusion region:

Agricultural and Industrial Laborers
People engaged in un-organized sectors
Unemployed
Women
Children
Old people
Physically challenged people.

The consequences of this vary depending on the nature and extent of services denied. It may lead to increased travel requirements, higher incidence of crime, general decline in investment, difficulties in gaining access to credit or getting credit from informal sources at exorbitant rates, and increased unemployment, etc. The small business may suffer due to loss of access to middle class and higher-income consumers, higher cash handling costs, delays in remittances of money. According to certain researches, financial exclusion can lead to social exclusion.

From the data provided by Financial Inclusion committee (set by RBI), a conclusion can be reached which says the efforts taken by govt. has been quite palpable. But in spite of that we failed in providing banking facilities to Underprivileged section in rural and urban areas.

Key challenges faced by government as well as private players in providing financial services to these regions can be understood as follows:

– Lack of standard process for identification of individuals and SMEs
– Non availability of credit history of individuals and SMEs
– Need to provide Financial Service at bare minimum Cost
– Need to reach out to very small pockets of population which may make any FI investment inviable
– Lack of a proper business model
– Lack of an appropriate legal model
– Illiteracy within large section of population, which would need innovative ways of delivering banking channels / interaction model with banks or quasi banking entities –

Technology in Rescue:

Technology can contribute in finding a solution to these challenges. In rural finance, technology plays two key roles: implementing effective internal control when direct supervision is difficult due to distance, and decreasing the cost of penetration into more remote areas.

To promote entrepreneurship, financial accessibility in villages, providing loan is imperative. The foremost step in providing Basic Banking services, is Verifying/Authenticating a person, which may include his/her address, credit history.
Expanding the coverage of CIBIL (Credit Information Bureau India Limited) or establishing a new organization in line with CIBIL, exclusively for rural areas will help banks in accessing detailed information of a citizen or SME.
Our innovative project Unique Identification (LID) once executed successfully will provide information of an individual which can further be used to fetch credit history from CIBIL.

Providing banking services at minimum cost is a vital factor in reaching to the masses. This can be achieved by providing no-frills account, and loans of small amount at low rates. Microfinance Institutions and banks can find substantial customer base in this field as Usurers still dominate this sector even when high rate of interest that they demands from those seeking credit.
Investing to reach small pockets of population may look financially inviable, but appropriate technology, business model can help in increasing the ROI. PPP can help increasing the coverage at minimal costs.

In India where we have above 50% of population residing in villages, the only way we can reach the majority is by POST. Post Office could play a vital role in providing access to financial services, including banking, saving, credit and insurance, to financially excluded people.
An Initiative by Uttarakhand Post, where it has entered into a business tie-up with Uttaranchal Gramin Bank with the following twin objectives:-

(a) Collection of high-end deposits on behalf of the bank.
(b) Disbursement of bank loans and collection of the re-payment installments (EMI) through Savings Bank Passbook Account and with the help of GDS (Gramin Dak Sevak) staff.

Both these services are rendered by Uttarakhand Post on reasonable charges. In short the endeavor is to expand the role of an agency functionary, that India Post has being playing on behalf of Ministry of Finance for long, to that of a Commercial Bank also for the reasons of better profitability and future prospects. Providing IT solution to Indian posts where they can create business tie-ups online with banks will help in accelerating this initiative.

The root cause for advancement in banking sector in rural areas is the cost factor. Technology can help in cutting down the cost factor. Use of IT reduces the costs of financial transactions, improves allocation of resources, and increases competitiveness and efficiency. Most importantly, it enables to take any product or service to the general masses. IT has also enabled efficient, accurate and timely management of the increased transaction volume that comes with a larger customer base. The ‘Anywhere Banking’ through Core Banking Systems, ‘Anytime Banking’ through new, 24/7/365 delivery channels like Automated Teller Machines (ATMs), and Net and Mobile Banking, etc., are also increasingly becoming an integral part of the banking services. Appropriate Technology and Efficient Delivery model can help in making banking feasible and profitable in rural areas too.

The need of the hour is leveraging technology in Indian banking for providing affordable and cost-effective banking services to the masses through multi-delivery channels. Before making a commitment, Banks analyze the region which will be covered by their investment and the ROI. What if Banks can reach the end customer without opening an exclusive branch in the distant area? Mobile phone banking is not new in this in generation. Mobile phone users now belong to all strata of society, spread across metropolitan, urban, semi-urban and rural centers. Banks and financial service providers can leverage the advantage by reaching out to people through this medium.

Few proposals and initiatives in strengthening financial growth in improvised sector:

– Another route by which FI can reach the masses is by DTH. Direct to home technology is currently very widely spread in even remote places of the country. An indigenously developed technology lets user access GMAIL and other websites through DTH on TV. The same technology can be upgraded to help users interact with banks and other FIs where they can provide necessary information to the people residing in far flung areas.
– Grocery stores or Health centers in our villages can also be used in providing banking services like insurance, loan or savings.
– 3i Infotech, a leading IT company has developed Kiosk based banking, i.e. internet based, and Bio-metrically enabled exclusively for rural areas.
– The use of IT also enables banks to handle the enormous increase in the volume of transactions for millions of households for processing, credit scoring, credit record and follow-up. Other uses of technology include taking instant photographs of people opening bank accounts, and using electoral ID cards to simplify form-filling.
– Hello Money is a mobile banking service launched by Barclays in India. Barclays aims to make banking viable to all segments of the population through this service, regardless of economic status. The service is also available in India’s national language – Hindi – and will, in time, be available in other regional languages. Customers only need to be numerically literate to use the service, making it very simple and convenient. The Bank also offers “no frills” and zero balance savings accounts. As of December 2008 the Bank has opened 40,726 zero balance accounts (no balance commitments required of customers) and 3,935 no frills accounts. These offer a free cheque book, access to over 25,000 Visa ATMs, free statements, a passbook facility and SMS alerts. These services are particularly aimed at market traders, artisans and micro-entrepreneurs who might otherwise be excluded from financial services.
– eChoupal, an initiative of ITC Limited to link directly with rural farmers, with the help of technology, for procurement of agricultural / aquaculture products. eChoupal was conceived to tackle the challenges posed by the unique features of Indian agriculture, characterized by fragmented farms, weak infrastructure and the involvement of numerous intermediaries. ITC Limited has now established computers and Internet access in rural areas across several agricultural regions of the country, where the farmers can directly negotiate the sale of their produce with ITC Limited. The PCs and Internet access at these centers enable the farmers to obtain information on mandi prices, good farming practices and place orders for agricultural inputs like seeds and fertilizers. This helps farmers in improving the quality of produce, and also helps in realizing a better price.
– BASIX, an Indian institute that promotes sustainable livelihoods through microcredit, has been an early adopter of technology. It operates as the business correspondent (BC) (agents who work on behalf of banks) for Axis Bank, Citibank, and the State Bank of India (SBI), to reach areas where opening a bank branch is not viable. BASIX uses mobile phones to enroll customers and carry out transactions. It has set up fixed-location BC outlets, equipped with hand-held devices which are now being converted to mobile connections. BASIX is also trying out a card, similar to smart cards, and a remittance initiative to help workers in Delhi to send money home to their villages in central India.
– ACCION International as a Microfinance Organization promotes PortaCredit technology, which allows loan officers using handheld computers
to take loan applications.1 PortaCredit has helped a number of ACCION partners in Latin America improve their level of productivity, standardization and risk management.
– UMU in Uganda is currently launching a pilot for a Remote Transaction System (RTS), which is combination of technology and business processes that will enable cash deposits and withdrawals by microfinance clients through a network of accredited third party merchants (e.g. agricultural stockists, traders, gas station managers) in rural and non-urban areas. The RTS will also facilitate the electronic capture of transaction data at the client level and the creation of an electronic identification system.
– Customized ATMs with voice interactive features and other advances in technology as mentioned above can help in achieving Financial Inclusion target.

The advancement in technology and business model used will make it cost effective, so that every small transaction will be feasible through POS. Making the POS wireless or for that matter away from any kind of network will make it feasible to be used in remote areas too. The CashCard will contain the amount you hold in it and your security PIN. When you are out of cash in your CashCard, all you need to do is go to an ATM and recharge your card with the cash present in your saving/current account. The card can also be recharged online or by using your mobile banking feature. Hence this will save the investment bank needs to make in opening an exclusive branch in a financially less profitable area.

CashCard can be used by government/banks to provide loans to Farmers; they can use it for making their medical, insurance payments. Recharging of the cards can be done from ATM or authorized outlets. POS will help to make their day to day transactions easy and secured.

Designing innovative business models specifically for the market will encourage people to come forward and invest in their future.

A recently offered Mutual Fund scheme by SBI (SBI Chota SIP) lets individual to make benefit of low monthly investment amount of 100. Similarly on the lines FIIs have started offering Life Insurance cover which varies from Rs.5000 to Rs. 50000 where the annual premium varies from Rs.60 to Rs.600.

Remittances are another unexplored field in these regions where Banks and FIs are targeting now. Some banks have tried pilot projects allowing customers to use smart cards with biometric identification to open bank accounts. The cards have been linked to mobile or hand-held connectivity devices to ensure banks can record transactions in real time. Meanwhile, some State Governments are using smart cards to send social security payments under the National Rural Employment Guarantee Scheme. The same delivery channel can be used to provide other financial services such as low-cost remittances and insurance. The National Financial Switch offers nationwide networking of ATMs and can facilitate banking transactions including remittances.

Now Banks and other FIs see their role as playing an important part in fueling the growth of the Indian economy -not just servicing successful metropolitan companies but also reaching out to ordinary people. By following programs of branch expansion, improving financial literacy and leveraging IT solutions to extend reach, they are demonstrating their determination to make financial services available to all.

One such program is the HSBC Mann Deshi Business School for Rural Women, in the Satara district of the western Indian state of Maharashtra. It was set up in December 2006 to offer micro-loans to poor women to help them set up their own businesses. The school gives girls and women with limited or no formal education training in financial literacy, marketing, technical skills and negotiation skills. It has already benefited some 6,000 women, enabling them to start their own micro enterprises and become financially independent.

Concluding remarks:

The reason why we are concentrating on Financial Inclusion now is because, we now want to focus on Inclusive Growth, we have the Banking Technology which can help in reaching millions of deserving citizens, and the fact that Poor are bankable. Technology can be a very valuable tool in providing access to banking products in remote areas. To sum up, banks need to redesign their business strategies to incorporate specific plans to promote financial inclusion of low income group treating it both a business opportunity as well as a corporate social responsibility. They have to make use of all available resources including technology and expertise available with them as well as the MFIs and NGOs.

Having teamed Success Road Alone

KH Muhammad Zakki always stressed the importance of trust in a business to santri. In addition, the remains resilient and good at looking for opportunities. While there are opportunities to be captured by the risk. Do not be afraid to fail.
Successful coffee business is not as easy as turning the palm of the hand. Muhammad Zakki winding road. Initially, he teamed up with others in the management of coffee plantations in Tulungagung.

“Now it exports itself to a number of countries, an average of 75 tons a month. Most of the robusta species,” he said to Surya.

Business was initially just to process the raw coffee beans processed coffee. When the partnership dissolved manages 400 hectares of land, he bought himself a land area of ​​650 hectares in the same location. Muhammad Zakki not directly sell the coffee harvest. But it is processed before entering the workshop in East Java market.

Over time, called fluttering. Order flows from abroad in 1999. One container is sent to Japan via Jakarta. “Coffee robusta easier fit with the foreign tongue. We, too,” he explained.

Through the flag of PT Mutiara Dewi Jayanti, Muhammad Zakki exporting hundreds of tons of raw coffee beans processed by the King and Pendowo Makhota brand Limo. Currently, export markets are Japan and China, and was exploring Dubai.

After all, from the business he had lost also because of the hundreds of world coffee prices plummeted. “Thank God, I can survive. Stock I was not too much compared to other coffee entrepreneurs,” said Muhammad Zakki. (Surabaya, Indonesia)