Day: February 9, 2021

Successes and Setbacks in Covid Vaccination

Setting policy at the state level seems to work better than letting cities jockey.

7 Ways to Measure Your Website’s UX

User experience (UX) is an essential element of website design and management, and it might impact more than you realize. 

What happens when someone lands on your website for the first time? Does it load quickly? Can they tell they’re in the right place? Is it easy to figure out what to do next? 

UX refers to the human experience of using your website. Which might leave you wondering how do you measure UX?

Why It’s Important to Measure UX 

Website users are potential customers. Their ability to navigate your website becomes their experience and their impression of your company.

What do you think happens when a customer visits your website and can’t find the answer to their question? What if they can’t figure out how to check out of your online shop? 

Whenever a user struggles to use your website, they might decide it’s not worth the trouble. On the other hand, creating a seamless experience is likely to result in successful conversions and repeat visits. 

Which do you think will result in higher revenue?

Now you understand why it’s essential to understand how users use your site and fix whatever is causing their frustration. But how do you measure it? 

Measure UX With These Helpful Metrics 

Reduce guesswork by tracking and analyzing specific metrics to understand what exactly is happening when users land on your site (and why they leave.) 

There are two main types of UX metrics: objective and qualitative. 

Objective metrics are elements that have precise numbers attached to them to track and compare, such as time on task, success rate, or user errors. On the other hand, subjective metrics might give you information about how a user feels about the experience of using your website. They might include ease of use or satisfaction ratings. 

Qualitative metrics measure customer experience quality on your site and include recommendations, satisfaction, and ratings. Behavioral metrics express in numbers how users are interacting with your website during their visit.

Google created the HEART framework, which offers a mix of objective and qualitative metrics to capture a full picture of UX. The framework acts as a guide to help you decide what metrics might be important to you. It measures happiness, engagement, adoption, retention, and task success.

It’s important to note that measuring UX might tell you what users are doing on your website, but it can’t tell you why or let you address challenges directly. You won’t be gathering names of customers to contact like you would a customer service issue. 

Instead, this is a high-level view of what’s happening on your site, allowing you to try different features or solutions and see if the results are positive through A/B testing.

The list below covers different types of ways UX designers might measure UX as they create and update websites for optimal user experience and satisfaction.

1. User Interaction With Forms 

Website forms are a common way for customers to contact you, sign up for information or special offers, and ask for quotes or specifications on a particular product. 

They feel like an easy win because customer data is valuable, but many users balk at forms that ask for too much information or are a pain to fill out. 

An easy way to figure out what customers think of your website forms is to use a tool like Hotjar to tell you necessary information like which aren’t being completed by some users and which information fields people decline to fill out. 

Measure UX - Hotjar UX Tool

Hotjar’s form feature can also provide you with video recordings to show how users interact with your forms on your site. 

While the users may be anonymous, the information can be critical to making changes to your online forms. You’ll see where they seem to hesitate and which fields they skip. If users don’t finish the form and don’t submit their information, you’ve lost all data, so only ask for the minimum amount of information you need. 

Remember to make the mobile version of your form easier to fill out because people are using a touchscreen instead of using a keyboard. 

2. How Users Navigate Your Website 

Wouldn’t it be great to know what your website visitors are doing and clicking on when they visit your website? 

If you want to measure UX, this is valuable insight. Heatmaps can tell you where people click on your website, giving you insight as to how your layout and design might be helping or hurting you. Crazy Egg is a tool that offers this service. 

Measure UX - Crazy Egg Heat Mapping Tool

Mine this information for both positive and negative feedback. You might notice that specific layout colors attract attention while your users ignore others. The positioning of features might affect engagement, as could the call to action. 

Let’s say you notice your users seem to click on particular buttons on your website but ignore others. You can make adjustments to add more of the features they like and adjust areas they seem to ignore. 

You can also use this insight when designing or editing other pages on your website and repeat features that your users seem to like.

Tracking and measuring where people click helps you gain insight. Options like Confetti, one of Crazy Egg’s features, can show you where the user clicks originated. 

Did they come from another page on your website? Did they come from an ad on social media aimed at driving clicks to a product page? These tools will help you figure it out. 

3. Usability Testing to Measure UX

You don’t need an expert to test website usability. In some cases, it can be more valuable to get feedback from people not on your team. Reach out to a few trusted people (friends, family, a few customers) to test your website’s usability. 

Ask them to navigate through the site, fill out forms, complete a purchase if they can. They should aim to do whatever a new user to your website might try to do. 

What works? What doesn’t? What steps are they unable to complete or found time-consuming? These are all critical areas to explore to see what you can do to smooth the experience. 

Depending on what you want users to do on your site, you may be looking for feedback on if they found the site user-friendly and how quickly they could complete specific tasks. 

Ask if there were any areas they had to stop progressing through the site, such as a form that didn’t submit properly or a purchase that didn’t go through. 

4. Track Page Views and Time on Page

When users are willing to spend time on your site, it’s a promising sign that your site is easy to navigate. They’re likely comfortable and enjoying the experience and may visit multiple pages. 

When you begin to measure UX, you may wonder how long an ideal website session might last. The answer depends on your site and what you want people to do when they visit. 

Typically, you want users to be on each page long enough to gain the necessary information and take the next step towards conversion. Successful progress could be finding the call to action buttons that take them to the next page or signing up for an email newsletter. 

However, very long time-on-page results could indicate a problem. Watch for other indicators like users choosing to leave your site after viewing a particular page for a long time or declining to fill out a form. The page itself may be confusing or a mismatch for the call to action you’ve chosen.  

5. Run a Customer Success Survey to Measure UX

A customer success survey measures how satisfied visitors are with your site. It’s a great place to start measuring UX. 

Ask about customer satisfaction, their willingness to recommend your product or service to others, and whether they accomplished their goals on your website during their visit. Did they find what they were looking for?

Measure UX - Qualaroo Customer Success Survey

Use a tool like Qualaroo to gather responses from your customers, then use the information to make changes to your website. Your goal will always be to make the experience as seamless as possible, so breaking down obstacles is worth the time and effort.

6. Lean on Your Customer Service Team

Who do your customers turn to when they can’t find what they need on your website? Your customer service team. 

Your service team is a likely source of repeated questions and complaints about difficulties using the website. 

Some of these may be issues you can fix or information gaps you can fill. Your customers may also be unhappy with updates you’ve made to the site. A fancy new feature is only as valuable as the users can use it successfully. 

Look for common issues and track customer complaints, then use that data to find and fix UX issues. 

7. Track Page Load Speed to Measure UX

If you want users to stick around and see what you have to offer, your website should load quickly. Page load speed is a crucial element that affects search engine rankings and UX. 

According to Unbounce, nearly 70 percent of consumers say that page speed affects their desire to purchase from an online retailer. And over 36 percent say slow loading time makes them less likely to return to an ecommerce site the next time. Those lost users can result in significant losses to your bottom line. 

What factors tend to slow down your page loading speed? Large image and video files can often be the culprit. Here are a few ways to increase page loading time. 

Google’s PageSpeed Insights is a handy tool to check how fast your website loads. It can help you flag which pages are causing you problems and which issues are causing the delay. With a bit of effort, you can score 100 percent on Google PageSpeed Insights

If your page load speed is too slow, consider revising the images or compressing your video files. You can use tools like Optimizilla or TinyPNG, which works across all platforms. 

Conclusion

Once you build your first website, you might think you’ve done most of the work. But maintaining a website that works for your users takes ongoing effort. 

A useful website needs to help grow with your business, which means you’ll always need to measure UX and see how effectively your website is doing its job.

The design, layout, images, and copy all matter, of course. However, functionality matters just as much. If you want visitors to convert, you need to find and fix obstacles to conversion. 

There are always ways to streamline the ongoing challenge of keeping your UX at an optimal level. Digital consulting can help measure your UX, and more importantly, actually use the data and feedback you collect.

Have you used any of the above methods to measure UX on your website? What were your results?

The post 7 Ways to Measure Your Website’s UX appeared first on Neil Patel.

Top 10 Herald Bulletin RSS Feeds

Top Herald Bulletin RSS Feeds Contents [show] ⋅About this list & ranking Herald Bulletin RSS Feeds Herald Bulletin » Local News RSS Feed Herald Bulletin » State News RSS Feed Herald Bulletin » Nation & World RSS Feed Herald Bulletin » Business News RSS Feed Herald Bulletin » Sports RSS Feed Herald Bulletin » Multimedia RSS Feed […]

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Unsecured Business Credit Cards for Bad Credit and Other Funding Options

If you need unsecured business credit cards for bad credit, you may feel like you’re out of luck. There are options though.  There are a few credit cards, but other options exist as well. 

How to Get Unsecured Credit Cards for Bad Credit, and What to Do If It’s Not Enough

When you get unsecured business credit cards for bad credit, you will likely see that you still need more funding to accomplish your goals. It will probably not be enough to do what you need to do. They can be a great tool for managing day to day expenses however. 

Unsecured Business Credit Cards for Bad Credit: Brex Card for Startups

The Brex card for startups is one of the few true options if you are looking for business credit cards with bad credit and no personal guarantee. Even a FICO as low as 300 may qualify.  There is no annual fee, and you can apply with your EIN rather than your SSN.  

Credit Line Hybrid Financing: Get up to $150,000 in financing so your business can thrive.

Business Revenue Lending

Another option is business revenue lending.  The minimum credit score is 500, so not having great credit is fine.  The trade off is your business must earn annual revenue of $120,000 or more, and it must do more than 5 small transactions each month.  If your business brings in at least $15,000 monthly, then 6 months in business is ok.  You will have to fill out an application and provide 6 months worth of bank statements. 

Credit Line Hybrid Financing: Get up to $150,000 in financing so your business can thrive.

Unsecured Business Financing: Credit Line Hybrid

If the Brex card isn’t enough, the next best thing is a credit line hybrid. This is unsecured business financing stacking a number of credit cards.  It allows you to fund your business without putting up collateral, and you only pay back what you use, just like a single credit card. 

However, you do need a credit score of at least 680.  In addition, you can’t have any liens, judgments, bankruptcies or late payments.  Furthermore, in the past 6 months you should have less than 4 credit inquiries, and you should have less than a 45% balance on all business and personal credit cards.  It’s also preferred that you have established business credit as well as personal credit. 

So, how is this the next best thing to an unsecured business credit card for bad credit? I mean, if you are looking for that, you probably do not meet the 680 credit score requirement.  Here is the secret. You can take on a credit partner for this type of funding. Many business owners work with a friend or relative to fund their business.  If a relative or a friend meets all of these requirements, they can partner with you to allow you to tap into their credit to access funding. 

The best part of this type of funding is that it reports to your business credit report, regardless of whether you use your personal credit to apply or that of a credit partner. That means, you get your funding and build your business credit at the same time. As a result, you will no longer have to worry about finding funding for bad credit, as long as you pay consistently on-time that is. 

A Word About Security: It Might Be Worth Itunsecured credit cards for bad credit Credit Suite

No one wants to use their personal assets or their business as a whole as security for business funding. However, if you have bad credit, your options are limited. These secured business funding options are much less harsh than standard secured business loans, and they work even with bad credit. 

Real Estate Financing

Likewise, you probably will not be financing real estate with business credit cards, even if it is 0 interest. You can get real estate financing in amounts up to $10 million with terms from 6 to 60 months and interest rates as low as 6%.  You will need a 500 minimum credit score, and there are a few other requirements. 

Equipment Financing

If you need equipment, it might be better to consider equipment financing.  You will put up your existing equipment or the new equipment you want to purchase as collateral.  Amounts are available up to $10 million with terms ranging up to 60 months. You will  need a credit score of at least 550. 

You wouldn’t likely be able to fund either of these endeavors with an unsecured business credit card, nor would you want to. In these cases, using your purchase as collateral may be necessary to get over the bad credit hump.

Account Receivable Financing

To get this type of funding, you have to have open receivables from another business or government agency, not individuals.  In addition, you need to have been in business for at least one year. The minimum credit score is just 500.

You can get up to 80% of receivables advanced in as little as 24 hours. Even though you are using your invoices as security, it works more like a cash advance on money you have already earned. 

Merchant Cash Advance

If you accept credit cards payments, you may qualify for a merchant cash advance.  You only need a credit score of at least 500.  To qualify, your business must bring in $100,000 or more per year in credit card sales.  Typical approval amounts equal one months’ credit processing volume.  In addition to the application, you’ll need 3-6 months bank and merchant statements. 

Credit Line Hybrid Financing: Get up to $150,000 in financing so your business can thrive.

Secured vs. Unsecured Business Funding

If you have bad credit, there are not a ton of business funding options available. Take what you can get, use security when you have to, and work on improving credit at the same time. If you need to have collateral, trying using whatever it is you are buying. This works especially well for real estate and equipment.  Then, you can save your unsecured business credit cards for bad credit and other unsecured options for day to day expenses.

Consider A Business Credit Expert

The best way to get rid of bad business credit is to work with a business credit expert. While it is possible to do it on your own, it’s not wise. Typically, it’s downright ineffective. Here’s why.  First, you have to be sure your business is fundable. Fundability is a complicated, tangled web and if you aren’t sure of every strand, a lot of things can slip through the cracks. An expert can help you unravel each strand of the web and find issues with fundability you likely never knew existed, and tell you what to do about them. 

Also, it is impossible to build credit without first having credit, unless you can find vendors that will report payments to business credit reports without checking credit history first. These do exist, but they do not necessarily make that knowledge public.  The right business credit expert can save you a lot of time and money by pointing you toward the vendors that will work best for your business right now, and show you how to build on the credit they extend. 

There is a Time and a Place Use Unsecured Business Credit Cards for Bad Credit

It’s true. For short-term financing of day to day operations, or even smaller equipment, unsecured business credit cards for bad credit can work well. They are a great tool to have in your tool box. However, there may be times when you need more than this type of financing can offer. Not only that, but for larger equipment purchases and real estate, using security may be the only thing that makes sense. Try using a business credit expert to help you decide which options will work best for you in your specific situation.  You’ll be glad you did. 

The post Unsecured Business Credit Cards for Bad Credit and Other Funding Options appeared first on Credit Suite.

New comment by chaigh in "Ask HN: Who is hiring? (February 2021)"

Legalist, Inc. (fintech) | First product hire | Full-time | Remote (US based) | Full-time

Legalist is hiring its first product hire (product lead). We’re looking for somebody who is comfortable wearing many hats; has a data science/data analysis background; and who wants to help build products that support Legalist, a multi-hundred million dollar fintech startup, across a number of esoteric investment strategies. An interest in law and/or finance is preferred, and a curiosity and interest in working creatively with data is essential.

This is a US-based remote team, and post-covid it will continue to be remote.

Link: https://boards.greenhouse.io/legalist/jobs/4000419004

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