Everyone is running short of time in today’s life. They all are looking for ways in which they can save their time and money. Managing financial matters is one of the most important parts of our lives. But at the same time, it is a very tedious task. There are various apps designed with the purpose of making financial management easy.
But now, the question arises – ‘which app should I install?’ since there are so many apps doing the same task, people get confused on which one to go for. And since all of them involve financial matters, they cannot risk their money with the wrong app.
To clear this ambiguity, we have shortlisted some of the apps you can install in your phone for being tech savvy with managing finances.
Best Apps For Finance Management
If you are one of those who want to accomplish their financial goal by investing their money in mutual funds and stocks, then you are at the right place. If you want to invest using an investor-friendly app, Savart will fulfill all your desires.
Savart has got a variety of features for the investors which make it more special that they simply can’t ignore it. One of the most notable features of the app is that the investors can start the investment in various trending mutual funds and stocks with as low as 10 rupees using the Savart’s online wealth manager to guide you. It does not matter whether you are a beginner or an expert of mutual funds and stocks, Savart is for all of you.
The savart app takes in analysis various parameters like the risk-taking appetite of the investor, income level, investment preferences, and many such things. It is an obvious fact that each investor has his or her own level of preferences. The Savart’s official team works a lot to analyze the market for its ups and downs. To sum up, they take into consideration around 10000 stocks and 1000 mutual funds. The main purpose of the makers of Savart is to help their customers in every possible way.
Apart from investing in mutual funds, Savart also helps you to save taxes. And if the security factor is a concern, they have one of the best computing and unique algorithms to make things better. Savart mutual funds is a perfect app for the ones who wish to make their financial life more stable.
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Mint is amongst the top rated apps in its category. The tag of ‘top-rated app’ is given by various popular magazines and blogs. The mint app is an ideal app which helps in achieving your financial goals.
The mint app does all your financial stuff such as manage your credit card details, bank account details, and your bills. All these details are stored in the mint app so that the users can themselves see and analyze where they are spending their money and where they can cut down in order to save their money.
For the bills, it will assist you in reminding you of the due bills so that you can pay them on time. The app will remind you prior to the due date of any bill.
It has proven to be a great time saver while managing all the financial aspects in an easy way. It is a trusted app used by millions of users. And the reason behind the success of the mint app is the proper care given by it to its customers. The mint app is a great way to manage the finance all in one place effortlessly.
The walnut app is an ideal app which helps the individuals to achieve their financial goals. One of the notable features of the app is that after you have entered your account related details, it will on its own, track all the other details. These details include info such as the total expenditure, the due bills, and other stuff.
As the walnut app deals with financial matters and details related to the bank account, it needs to be highly secure. But the users should not worry about its safety as all these operations are performed in a highly secure way. The walnut app keeps you safe from fraud and other spam messages.
The walnut app also helps you to save your money while keeping a track on where you are spending.
We all have a very busy life, and it is natural that we tend to forget some important things. One of those is paying the bills on time. The walnut app reminds you to pay your bills prior to the due date as it constantly messages you of the deadline.
Another notable feature of the app is that it allows the transfer of money from one bank account to another without paying an extra charge for it. The walnut app also helps you track real-time cash medium and nearby ATMs in case of urgent need of cash and when you have no cash.
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The splitwise app, as the name indicates, it an app which splits and what is splits makes it an interesting app. It is designed to split the money between a group of people who were there in a specific party or function or event which involved money. In case you are a hostel student, you can keep details of your expenses and you can also distribute the expense with your roommates.
You can make use of the splitwise app when you go for a vacation with your friends. Some other features of the app include viewing your available balance, Track your spending trends, as well as set email reminders for your due bills. The splitwise app is one of the best among its category.
GOOGLE PAY OR TEZ
The google pay app works with your bank account. You need not to reload the wallets and also there is no need to do additional KYC. It uses the BHIM UPI to make money transfers simple and secure. To use the google pay app, you need an Indian bank account with a valid phone number.
This app is designed to make payment as easy as starting a conversation with someone. It can be used to pay for electricity bills, gas, water, DTH as well as mobile bills. Your money is protected with the world-class security system which detects fraud and prevents hacking.
The google sheets are the spreadsheets offered by Google. You can use them to create sheets and edit them online while collaborating with different sheets simultaneously.
Some of the notable features of the google sheets are –
- They have made spreadsheets more easy and accessible
- You can work on google sheets even when there is no internet connectivity
- You can collaborate with different users at the same time
- Google sheets automatically save your data, so there is no risk of losing the data.
- The google sheets allow you to format cells, enter data, view charts, insert formulas and use find or replace anything.
These are some of the great apps you can use to make your financial management much easier and stable. All of the above-mentioned apps are designed while keeping your security in mind.
How to Use Chatbot with CRM to Increase Your Profitability?
Many CRM systems are integrated with a live chat feature to enable better communication with your customers. But that is the basic scope of the tool while the possibilities are endless.
You can use your Opensource AI Chatbot with CRM Integration to increase your revenue, generate new leads and establish a superior level of customer service.
The power of CRM lies in the amount of customer information it can manage, paired with a live tool, you can always get to know everything about a customer instantly. You can offer context-driven assistance and make the customer feel wanted.
Open source Chatbot can be integrated with any CRM solutions. You can even use open source free solutions- like SuiteCRM chat integration with the Live-helper chat tool & Live Chat CRM Profitability
Now let’s find out how you can use the Open Source Chatbot to generate leads and increase Relationship and Profitability with clients.
The visitor to Customer:
You can successfully convert the visitors to your website to customers by using proactive Chatbot. For example, if someone has spent more than 5 minutes on a specific webpage, you send a pop-up chat saying, “Are you looking for something we can help with?”
Forrester survey reveals that 77% of customers want companies to value their time. You can jump right in and help out the visitor with better chances of conversion.
55% of American online shoppers are likely to cancel their purchase if they cannot get a quick answer to a query. You can use the Open Source Chatbot feature to catch the customer on the checkout page and answer all his questions. The chat window is also perfect for sharing files like brochures, manuals and so on. Solving the customer’s query in less time with CRM information, which will improve the chances of conversion and a successful purchase.
The Open Source Chatbot tool can be made to work for you to generate and capture new leads. Using a pre-chat form to collect customer information is a good way to start. As in the Chatbot tool, all information will be stored in a centralized database ready to be accessed instantly.
Fynsis deliver hands-on training with lab sessions to ensure attendees complete understand and retain how to use SuiteCRM with real business scenarios. Open Source SuiteCRM Training material is consistently revised with every new release to make sure we deliver up-to-date SuiteCRM content. Participants retain more when they are practically involved in learning.
Hence, you can also engage a returning visitor or qualified lead; the moment they visit your website with Chatbot. Their details are stored in the CRM and you can start context-driven conversions based on their customer journey.
Engage from Anywhere:
Another plus point of the Open Source Chatbot is that you can even engage your customers using other devices. Be it a smartphone or tablet, you can use the Chatbot tool if the CRM solution is compatible, take a Free SuiteCRM Demo to understand the benefits, features, and functionalities of this CRM.
So distance doesn’t matter and you don’t need to be at your desk. You can communicate with your customers and leads from anywhere and keep up the productivity.
Apart from boosting sales and revenue, Open source Chatbot will improve customer engagement significantly. Better engagement means better service which leads to customer loyalty. And customer loyalty automatically means return customers who are willing to spend more than last time!
So Open Source Chatbot is a must if you want to grow your business and profits.
How to Buy Now and Pay Later On Flipkart
Flipkart has made shopping easier for you with its micro financing option, Flipkart pay later. If you have been a frequent Flipkart user, you must check out the Flipkart pay later option.
With this very user-centric option, you can buy products on credit for a month. You can transact multiple times, and a consolidated payment can be made at the beginning of the subsequent month. Depending on your eligibility, you can get a credit line of 5-10k every month. There are various benefits to using Flipkart pay later option.
Flipkart assured products
Easy repayment for the entire month in a single deal
Hassle-free buying at a single click
Seamless checkout process
Try and buy
Easy repayment by credit cards, debit cards or net banking
No maintenance charges for this facility
Looking at the number of benefits that this option comes with, you should definitely give it a try. Here is a look at how this exactly works:
Once you visit the website, you will be able to view this option on the Homepage if you are eligible for the same. This option is available to select customers. The Eligibility option can be seen under the ‘My Account’ section of the website or on your app.
2. Once you click on the ‘Know More’ tab, you can check your credit limit for the month.
3. Check out the terms and conditions, and the process given on the website for your reference. Go through the frequently asked questions as well to make sure that you have all the facts right.
4. You can then check out which products are eligible for the pay later option. You will see ‘Eligible for Flipkart Pay Later’ written at the bottom of the product. The products that are eligible for the pay later option are all Flipkart-assured. Add the relevant products to your shopping cart.
5. Once the product is added to the cart, checkout and continue to the payment page. Here from amongst the listed payment methods choose ‘Flipkart Pay Later’ as your option.
6. This option enables you to complete the transaction in a single click, and your order gets placed instantly. You will then receive the details of the order.
7. You can track your purchases as well as usage of the Flipkart pay later account. The payment for your multiple purchases during the month is to be done before the due date. The amount due date is the 10th of the following month.
8. Your statement is sent to you on the 1st of every month. This will include all the transaction details of all your purchases for the previous month.
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Repayment is a seamless and straightforward process. Your payments can be cleared off by several payment modes such as credit card, debit card, or net banking. You receive the monthly statement on your registered email address. A reminder SMS is sent out as well. The Flipkart app users also receive a notification for the same.
Although the option is interest-free for you, you can be penalized for delayed payments. The payments are to be made before the 10th of the subsequent month. In case of delays beyond this due date, there is a particular penalty charge levied on the outstanding amount. You can find the details of the late payment penalties in the FAQs section on the app or website.
Here are the penalty slabs for your reference.
The outstanding amount of up to Rs 2,000: Rs 100-/
Outstanding between Rs. 2,001-4,001: Rs. 200/-
Rs. 4,001 and above: Rs. 400-/
Any delays beyond can lead to a suspension of your account.
Flipkart Pay Later is an absolutely user-focused initiative by Flipkart. By providing a small level of credit, this form of micro-finance can make your online shopping convenient and hassle-free for you. Most of the online shops extend services that make your shopping experience more affordable. These include options such as Debit Card or No cost EMI, Buyback Guarantee, etc. But the Flipkart Pay Later option makes your online shopping experience easier, hassle-free, and extremely convenient for you.
If you have been a loyal Flipkart customer, you will definitely be able to enjoy the perks of this service. This makes shopping as easy as merely selecting and dropping your product in your cart and confirming your order at the click of a button to finalize it.
So if you shop more than once every month on Flipkart, there is absolutely no need for you to get into long transaction processes. No need for OTPs and payments when Flipkart has made it so simple and easy for you!
Benefits of Integrating Clover POS Technology Explained
Clover POS technology allows you to concentrate on merchants’ needs without the cost and time of compliance. The way customers are making the payment has changed dramatically in the past few years. 60% of payments today are EMV, and 70% of consumers have at least one chip card. EMV chargebacks are very real and happening faster than you can imagine. Integration of Clover POS tech will enable your merchants to take EMV payments without the high price of enabling chip-based payments.
Clover is not just an EMV solution; it’s a platform for payments-as-a-service.
Ensure Quick EMV Compliance
When you integrate with Clover, your POS attains almost instant EMV compliance. It initiates a request, Clover gets the request and processes the payment, then sends a response. Each step of the process is reported to the POS, and it can then act on it to modify the customer experience.
You can begin taking payments in less than a day by fully or semi-integrating or by integrating your mobile POS. With Clover, you bypass complex commerce operations for multi-location merchants. Clover Mini brings seamless, safe EMV technology to market fast. The option to update the Mini with functionality as customers’ businesses evolve is a must in today’s rapidly changing commerce-scape.
Build Apps on the Platform
You can also build apps that do not take payments on the platform. Examples include loyalty apps, customer feedback apps, and gift card apps.
Clover’s safe semi-integration solution allows your existing point-of-sale software to accept EMV-ready, PCI-compliant payments. The platform’s customer-oriented experience enhances the POS and takes care of all payment acceptance tasks so you don’t have to.
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Semi-integration integrates your software and hardware with Clover’s, making your point-of-sale EMV compliant quickly and easily.
The Java-based PaymentConnector interface lists all of the features your app needs to make a sale, perform other payment functions, even issue a refund. This API is an excellent choice if you are building a point of sale directly on a Clover device.
- Award-winning, patented hardware design
- The ability to tap into a sales force of over 4,000 people
- Unlimited batch capacity
- All receipts and customer signatures are stored forever and retrievable through a single web call
- Simple integration (get a basic sale function up and running in less than a day)
- Integrated camera/barcode scanner
What you get from integration:
- Support for peripherals using our patented hub for weight scales, barcode scanners, and more
- High-level, transparent CloverConnector API
- Open-source SDK
- Other Clover features
- Takes all payments types (magnetic stripe swipe, EMV dip, NFC contactless, and manual entry)
- PCI compliant
- Authentications, pre-auths, and sale transactions
- Partial authentications
- Voids, payment refunds, manual refunds (detached credits)
- Store & Forward (take offline payments)
- Integrated printer with thermal paper (Clover Flex and Clover Mini)
- 3G/4G connectivity (optional)
- 4 standard USB ports
- Detects and prevents duplicate transactions
- Payments-as-a-Service Integration Options
- Manual card entry
- Customizable tip options
- Settings can be configured per merchant
- Payment Interfaces
Clover offers different payment interfaces depending on the combination of merchant- and customer-facing devices you require. If you develop a registered app for a merchant, the app will use Clover’s PaymentConnector for sale processing. The interface is used to pass information about the transaction to the Clover payment app and return confirmation of the transaction.
The CloverConnector is used to establish the USB connection and transfer transaction data to the Clover Mini for customer review. In addition, it is used to do the following:
- Receive the customer choices for a tip and a receipt
- Initiate the payment flow on the Mini
- If required, receive the signature for verification
- Return confirmation of the transaction to the POS
We already discussed the option of semi-integration, which is viable if you have an existing POS with a strong merchant base and are searching for the fastest way to achieve EMV compliance. It’s also a good option if you have a strong brand your merchants identify with, a complex system that’s difficult to move away from, and if your POS system requires specialized hardware. If none of these apply to you, your best bet is native integration. Here is some more info about that.
In this integration, your POS runs directly as an app on Clover hardware. Merchants can find your app seamlessly within the Clover system just by looking for it in the provider’s App Market. They handle the payments, and you handle the merchant experience. If you’re developing a new POS or want to give your merchants an all-in-one solution, this may be an attractive option.
Clover Go BYOD (Beta)
The next option is Clover Go, the BYOD (bring your own device) solution. This EMV-capable device attaches to a tablet or smartphone, enabling native iOS and Android mobile apps to accept NFC, or EMV transactions swipes fast with no EMV certification required on your end. This integration option is ideal for merchants who are always on-the-go and who want their iOS and Android apps to be able to accept payments everywhere. Clover Go integration leverages a cost-effective and highly secure EMV-capable device with a streamlined set of functions.
Clover Go Integration Procedure
The Clover Go SDK is embedded in your mobile POS application. The calling app interacts with an asynchronous call model. Once the SDK is initialized, the calling application can launch a payment request. The request will activate the card reader linked to the mobile device. The customer can then use any of the following mechanisms for payment: card-not-present transactions, card-present transactions, and cash transactions.
The SDK will interact with the payment gateway to provide a callback with the payment response after processing the transaction. The calling app can capture the signature.
As you can see, there are many benefits of integrating Clover POS tech, and many integration options. We hope this article has been helpful!
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