Smart Ideas: Revisited

Factors to Consider When Looking for a Seller Permit Agency

In order to do your business in peace, it is god that you take the permit to sell your products. It will not be a good experience if you are caught by the government while selling products that are not licensed. You should know that when you have no permit to sell your products, even the buyers will not want to buy your products since they will find the unsafe. There are however several agencies that provide the services of providing permits to the business people so you need to make sure that you choose the best sellers permit service providers. Here are tips to help you choose a good agency.

Look for a licensing agency. You need to make sure that the agency you are using to get the sellers permit from is the one that has been approved by the government. When you choose a licensed company, you will be safe. You should know that there are several people that are posing as sellers permit companies just to get your money and within few days you will get yourself in the hands of the authority since you did not pay your fees to the right agency. You need to be keen so that you do not become a victim.

Consider the customer service of the agency. The way the staff welcomes you mattes how the rest of the exercises will be. You should therefore not spend your money on a company that cannot appreciate you as their customer. You should get all the questions you have answered in the right way and in the right mood.

Convenience of the agency. The factors that should determine the convenience of the agency is its location as well as the ease of getting the services. You need to look for an agency that is close to you so that you can avoid wastage of money and time when you want their services. Also, you should make sure that their services are easy to get. You shouldn’t have to wait for hours while waiting for these services. It will also be good if the agency can be able to provide online services whereby you can renew your permit.

Look at the customer reviews. You should know what people are saying about the services of the agency. You need to read reviews from all the pages of the agency in order to get the real image of the agency. Ensure that the agency has a good reputation according to what the former clients are saying about the agency. You need to read all the comments from all the platforms for you to know more about the agency.

Consider the changes. You should look at the charges before you choose an agency to pay for your sellers’ permit. Ensure that you compare with what other agencies are charging or you to select the one that is charging fairly. You can as well research from several online sites to know how the permits for your products are charged

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Professional Call Center Services

The use for call centers are quite important for any kind of business in our times today as there are surely a lot of people that would have inquiries or transactions that they are able to have through the phone. Getting the services of a call center agency would make it a lot easier for us to accept calls as we would have outsourced professionals that would handle all of our calls and take care of all of the needs of our clients. Our employees would be able to concentrate on the services or operations that our business have without worrying about all of the calls that we are getting if we have a call center to manage all of them. The call center industry have very much grown in our times today especially with the growth of our technology and because there are now a lot of other countries that are able to offer the service through the internet. We should do some research in order for us to find a professional call center company if we are in need of their services. We should know that there are call center businesses that are able to help us improve our business operations with the help of the services that they offer as they can provide us with excellent customer service relations as well as other type of call center needs like marketing and outbound transactions. We should look for call center companies that have been around for a long period of time so that we can be confident in the services that they offer us.

We can get a lot information on call center services and companies on the internet as we can visit their website. We can get some information on their services and pricing online and it is something that could help us look for ones that would be best suited for our needs. We would not need to upgrade our facility or hire more people if we need to have some people to handle our calls if we are able to deal with a call center as they have professionally trained agents that are fully prepared to take care of all of our calls. Dealing with these companies would surely be able to help us improve the value of our property within just a short period of time. We can also have a custom service from them as we can have their agents trained to be fully compatible to the operations that we have and for the services that we would need of them. There are call center companies that are working with Fortune 500 companies and there are also those that are able to take care of their clients no matter where they are in the world. We should have a much better knowledge on these companies as their services would surely be able to affect the success that we are going to have in our business. We should also know what are all of the services that we are able to get from call center companies.

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Impact Of Technology In Banking

In the world of banking and finance nothing stands still. The biggest change of all is in the, scope of the business of banking. Banking in its traditional from is concerned with the acceptance of deposits from the customers, the lending of surplus of deposited money to suitable customers who wish to borrow and transmission of funds. Apart from traditional business, banks now a days provide a wide range of services to satisfy the financial and non financial needs of all types of customers from the smallest account holder to the largest company and in some cases of non customers. The range of services offered differs from bank to bank depending mainly on the type and size of the bank.

RESERVE BANK’S EARLY INITIATIVES
As a central bank in a developing country, the Reserve Bank of India (RBI) has adopted development of the banking and financial market as one of its prime objectives. “Institutional development” was the hallmark of this approach from 1950s to 1970s. In the 1980s, the Reserve Bank focused on “improvements in the productivity” of the banking sector. Being convinced that technology is the key for improving in productivity, the Reserve Bank took several initiatives to popularize usage of technology by banks in India.

Periodically, almost once in five years since the early 1980s, the Reserve Bank appointed committees and working Groups to deliberate on and recommend the appropriate use of technology by banks give the circumstances and the need. These committees are as follows:
-Rangarajan committee -1 in early 1980s.
-Rangarajan committee -11 in late 1980s.
-Saraf working group in early 1990s.
-Vasudevan working group in late 1990s.
-Barman working group in early 2000s.

Based on the recommendations of these committees and working groups, the Reserve Bank issued suitable guidelines for the banks. In the 1980s, usage of technology for the back office operations of the banks predominated the scene. It was in the form of accounting of transactions and collection of MIS. In the inter-bank payment systems, it was in the form of clearing and settlement using the MICR technology.

Two momentous decisions of the Reserve Bank in the 1990s changed the scenario for ever there are:
a) The prescription of compulsory usage of technology in full measure by the new private sector banks as a precondition of the license and
b) The establishment of an exclusive research institute for banking technology institute for development and Research in Banking Technology.

As the new private sector banks came on the scene as technology-savvy banks and offered several innovative products at the front office for the customers based on technology, the demonstration effect caught on the reset of the banks. Multi channel offerings like machine based (ATMs and pc-Banking), card based (credit/Debit/Smart cards), Communication based (Tele-Banking and Internet Banking) ushered in Anytime and Anywhere Banking by the banks in India. The IDRBT has been instrumental in establishing a safe and secure, state of the art communication backbone in the from of the Indian Financial NETwork (INFINET) as a closed user group exclusively for the banking and financial sector in India.

CHANGING FACE OF BANKING SERVICES
Liberalization brought several changes to Indian service industry. Probably Indian banking industry learnt a tremendous lesson. Pre-liberalization, all we did at a bank was deposit and withdraw money. Service standards were pathetic, but all we could do was grin and bear it. Post-liberalization, the tables have turned. It’s a consumer oriented market there.

Technology is revolutionizing every field of human endeavor and activity. One of them is introduction of information technology into capital market. The internet banking is changing the banking industry and is having the major effects on banking relationship. Web is more important for retail financial services than for many other industries.

Retail banking in India is maturing with time, several products, which further could be customized. Most happening sector is housing loan, which is witnessing a cut-throat competition. The home loans are very popular as they help you to realize your most cherished dream. Interest rates are coming down and market has seen some innovative products as well. Other retail banking products are personal loan, education loan and vehicles loan. Almost every bank and financial institution is offering these products, but it is essential to understand the different aspects of these loan products, which are not mentioned in their colored advertisements.

PLASTIC MONEY
Plastic money was a delicious gift to Indian market. Giving respite from carrying too much cash. Now several new features added to plastic money to make it more attractive. It works on formula purchase now repay later. There are different facts of plastic money credit card is synonyms of all.

Credit card is a financial instrument, which can be used more than once to borrow money or buy products and services on credit. Banks, retail stores and other businesses generally issue these. On the basis of their credit limit, they are of different kinds like classic, gold or silver.

Charged cards-these too carry almost same features as credit cards. The fundamental difference is you can not defer payments charged generally have higher credit limits or some times no credit limits.
Debit cards-this card is may be characterized as accountholder’s mobile ATM, for this you have to have account with any bank offering credit card.

Over the years, the banking sector in India has seen a no. of changes. Most of the banks have begun to take an innovative approach towards banking with the objective of creating more value for customers and consequently, the banks. Some of the significant changes in the banking sector are discussed below.

MOBILE BANKING
Taking advantages of the booming market for mobile phones and cellular services, several banks have introduced mobile banking which allows customers to perform banking transactions using their mobile phones. For instances HDFC has introduced SMS services. Mobile banking has been especially targeted at people who travel frequently and to keep track of their banking transaction.

RURAL BANKING
One of the innovative scheme to be launched in rural banking was the KISAN CREDIT CARD (KCC) SCHMME started in fiscal 1998-1999 by NABARD. KCC mode it easier for framers to purchase important agricultural inputs. In addition to regular agricultural loans, banks to offer several other products geared to the needs of the rural people.

Private sector Banks also realized the potential in rural market. In the early 2000’s ICICI bank began setting up internet kiosks in rural Tamilnadu along with ATM machines.

NRI SERVICES
With a substantial number of Indians having relatives abroad, banks have begun to offer service that allows expatriate Indians to send money more conveniently to relatives India which is one of the major improvements in money transfer.

E-BANKING
E-Banking is becoming increasingly popular among retail banking customers. E-Banking helps in cutting costs by providing cheaper and faster ways of delivering products to customers. It also helps the customer to choose the time, place and method by which he wants to use the services and gives effect to multichannel delivery of service by the bank. This E-Banking is driven by twin engine of “customer-pull and Bank-push”.

CONCLUSION
Technology has been one of the most important factors for the development of mankind. Information and communication technology is the major advent in the field of technology which is used for access, process, storage and dissemination of information electronically. Banking industry is fast growing with the use of technology in the from of ATMs, on-line banking, Telephone banking, Mobile banking etc., plastic card is one of the banking products that cater to the needs of retail segment has seen its number grow in geometric progression in recent years. This growth has been strongly supported by the development of in the field of technology, without which this could not have been possible of course it will change our lifestyle in coming years.

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