Tag Archives: digitalmarketing

Ripple invests $25 million worth of its own cryptocurrency into a blockchain-focused fund

Ripple invests $25 million worth of its own cryptocurrency into a blockchain-focused fund

  • Blockchain Capital is a venture capital firm dedicated to blockchain technology.
  • Ripple said the investment would allow it to develop inroads with entrepreneurs and other firms in the blockchain space.
  • Ripple has struck several partnerships with banks and other financial firms, with the intention of enabling faster payments.

Blockchain firm Ripple, whose digital currency has seen huge volatility

in recent months, is investing in a $150 million blockchain-focused fund. Ripple, which owns about 60 billion of the 100 billion ripple, or XRP, tokens created, said Wednesday that it would invest $25 million into the fund, created by Blockchain Capital, a venture capital firm dedicated to blockchain tech. Blockchain is the technology that underpins cryptocurrencies. It records a continuously growing list of transactions across a distributed network. The original blockchain was used as the foundation for bitcoin. Ripple said its investment would allow it to develop inroads with entrepreneurs and other companies in the blockchain space.

"This is the first fund that we've contributed to, and it won't be the last," Patrick Griffin, senior vice president of strategic growth at Ripple, said in a statement Wednesday. "We plan to be major players in shaping the future generation of blockchain or crypto companies." Ripple seems to have shown increasing interest in investing in other companies as of late. CEO Brad Garlinghouse told TechCrunch in March that the firm wanted to invest in more start-ups that want to use its cryptocurrency.

Ripple has struck several partnerships with banks and other financial firms, with the intention of enabling faster payments. Those partnerships have rarely included the use of its digital asset, but earlier this year the company announced deals with both Western Union and MoneyGram. Its cryptocurrency, which hit a record high of $3 in January, has pulled back significantly to around 50 cents. It rose shortly after the announcement, and was up almost 0.9 percent, according to CoinDesk data. CoinDesk's price indexes track prices from several cryptocurrency exchanges.

Chuck Reynolds

Marketing Dept

Please click either Link to learn more about Marketing.
Interested or have Questions, Call Me, 559-474-4614


Like flu season, the ‘infectious’ spread of bitcoin could be over, Barclays says

Like flu season, the 'infectious' spread of bitcoin could be over, Barclays says

  • Barclays analysts came up with price model that likens bitcoin to an infectious disease and shows that like flu season, price spikes and cryptocurrency mania may be nearing an end.
  • "We believe the speculative froth phase of cryptocurrency investment – and perhaps peak prices – may have passed," says Barclays analyst Joseph Abate.
  • Current holders are also developing "immunity" to more investment, and as a result, the analysts see little likelihood of widespread adoption.

A Bitcoin Embassy ATM seen at the train station in Krakow. Bitcoin
is currently the most popular cryptocurrency in circulation.In order to value bitcoin and predict future prices, analysts at Barclays came up with a model that likens it to an infectious disease. Like flu season, the mania around cryptocurrency and subsequent price spikes could be coming to an end.

"Like infection, transmission – especially to those with 'fear of missing out' – is by word-of-month, via blogs, news reports and personal anecdotes," Barclays analyst Joseph Abate wrote in a note to clients Tuesday. "However, once full adoption is approached, the price decline is sustained and rapid." Bitcoin has fallen by more than 50 percent in 2018, trading near $6,742 as of 8:48 a.m. ET after starting this year above $14,000, according to data from CoinDesk. The cryptocurrency rose more than 1,300 percent last year, reaching a peak near $20,000 in December.

The Barclays model suggests that awareness around cryptocurrencies is now almost universal, and only a small group of the population could now catch speculative interest, and buy in. Current holders are also developing "immunity" to more investment, Barclays analysts said. "We believe the speculative froth phase of cryptocurrency investment – and perhaps peak prices – may have passed," Abate said. The model splits the global population into three sectors: Those who are susceptible, those who are vulnerable but not yet infected, and those who are immune.

The "infected" in this model are the 0.1 percent of the population who first bought cryptocurrencies with an unknown long-term fundamental value. Another 25 percent of the population was susceptible to the new asset, mostly drawn in by "fear of missing out," Barclays analysts said. Some of the global population is "immune," and will never buy the asset. Bitcoin and other cryptocurrencies however may see demand from weaker economies with little investment opportunity, according to Barclays.

"Cryptocurrencies may have a home in low-trust corners of the global economy," Abate said. "Broader adoption of crypto technologies faces critical challenges and strong incumbents." Barclays analysts targeted a "generous upper bound" for total cryptocurrency market capitalization between $660 billion and $780 billion, which is near the total in early January. The total market cap as of Tuesday is roughly $259 billion for all of the crytpocurrencies tracked by Coinmarketcap. The total cryptocurrency market cap has dropped by more than 57 percent this year, according to Coinmarketcap.

Chuck Reynolds

Marketing Dept

Please click either Link to learn more about Bitcoin.
Interested or have Questions, Call Me, 559-474-4614


As Tech in Marketing Becomes More Commonplace, so Does the Necessity of the CMTO

As Tech in Marketing Becomes More Commonplace, so Does the Necessity of the CMTO

Chief marketing technology officers will address modernizing, data-driven brands

The role of the marketer is evolving,

and it seems completely unfeasible to think of modern brands operating without the new role of the chief marketing technology officer, such is the demand for the skills the post combines. The CMTO role is a hybrid of the traditional CMO and the CTO, with a focus on technology and data-driven marketing. This encompasses everything from decisions on buying technology to understanding quantitative analysis from big data.

We’ve seen the need for the role arise as more CMOs, focused originally on the product, are required to work alongside digital directors because it’s become hard to build a strategy without combining product with the data side, bringing platform alongside product. The CMTO has the ability to fuse creativity, strategy and marketing and analytical expertise to leverage data in the most effective way for a brand. To some degree this involves throwing out the marketing rulebook and embracing digital change as it happens. We’ve seen this at RTL, where becoming part of the “total video” universe means a full digital transformation of the company. As all businesses address this, we’ve identified five key ways that the CMTO role can work for marketers and brands.

Embracing new technology

From my perspective as a partner of our brand advertisers, I see that the CMTO role essentially adds another layer of selecting and integrating new technologies to help CMOs make more informed and smarter decisions for their go-to-market strategies. Where in the past there were silos with separate roles for IT and technology, this is now more embedded within the marketing department so that the CMO gets a holistic view of the customer and can better foresee coming market changes.

Providing seamless integration 

The creation of a CMTO role allows for integration of ad operations and tech functions into central marketing. This is important, as the need to adapt media solutions and be at the forefront of media consumption shifts with the emergence of new distribution channels.The CMTO has the ability to fuse creativity, strategy and marketing, and analytical expertise to leverage data in the most effective way for a brand. The market needs change more rapidly because in some traditional organizations with a classic CTO, the martech decisions are not often fully aligned and linked to the core business KPIs. The new role allows the tech stack strategy to go hand-in-hand with the business objective.

Meeting customer demand 

I am often asked how strategy, technology, marketing and analytical expertise impacts brands. In our case, increasing numbers of advertisers demands a seamless and efficient way of buying our inventory and reaching their target audiences. That’s why we’ve invested in leading ad tech companies to provide a more integrated solution. This will address the issue of consumers moving from traditional TV to connected TV, with budgets following suit. A CMTO in any organization will help achieve the goal of meeting this changing customer demand.

Helping to adopt new distribution channels

The CMTO role is crucial in the ability to adopt new advertising channels and technologies such as OTT video services and virtual reality. Targeting is key. The gathering and usage of data are at the center of this approach and, at a time where brand safety is a crucial topic, it’s an asset when brands we work with have developed safe and protected login platforms.

Leveraging data

Most brands use and leverage vast amounts of customer and market data. With regulation changing all the time (in Europe, for instance, we’re about to see the new GDPR/ePrivacy rules), it is important to build and invest in proprietary DMPs and collect login data so that you know exactly who is using your platforms and how to better address them. This will be a big part of the CMTO role: allowing brands to use new regulations like GDPR as an opportunity to create rich audience profiles with full customer consent. Knowing more about our customers means better tailoring of experiences for them and more relevant sharing of advertising, neither of which would be possible without a state-of-the-art ad stack.

A much-cited statistic from Gartner predicted that, by 2017, CMOs would spend more on IT than CTOs. Now we’re well into 2018, and that prophecy has certainly been proven true because technology has come to define a large part of marketing. This also explains why CMTO is the role of the future because it embraces the expertise necessary for creating marketing strategies that employ data and technical analysis to clearly identify the ROI across all marketing initiatives. Every brand should have one.

Chuck Reynolds

Marketing Dept

Please click either Link to learn more about Marketing.
Interested or have Questions, Call Me, 559-474-4614


Yes, These Chickens Are on the Blockchain

Yes, These Chickens Are on the Blockchain

Can the technology improve food safety?

Did the chicken you just bought at the supermarket have a nice life,

roam free, and eat healthy grains? If you’re the kind of person who cares, Carrefour SA, the big France-based grocery chain, has the bird for you. Every chicken it sells under its house brand comes complete with its very own life story, thanks to the wonders of blockchain software. All you need to do is scan the label with your smartphone to get all the details. This is the same technology that serves as the backbone of Bitcoin and other cryptocurrencies. The grocery giant isn’t just trying to appeal to discriminating foodies. It wants to do whatever it can to ensure its products aren’t tainted, part of a broader industry trend that buys into the as-yet-unproven promise that blockchain can improve food safety.

Nestlé, Dole Food, Unilever, and Tyson Foods are working with their biggest customer, Walmart. Kroger and JD.com, China’s second-largest e-commerce operator, have also joined the same blockchain platform built by International Business Machines Corp. Carrefour developed its own system in-house. “There’s no question about it, blockchain will do for food traceability what the internet did for communication,” says Frank Yiannas, Walmart Inc.’s vice president for food safety and health. Yiannas cites estimates that for every 1 percent reduction in food-borne diseases in the U.S., the economy would benefit by about $700 million from increased productivity, thanks to reduced illness and fewer days lost at work.

Not everyone is so enthusiastic.

Critics say blockchain can be a valuable piece of the food-safety puzzle but caution that it can easily be gamed. The online ledger requires manual entries, leaving it prone to human errors or intentional manipulation that could compromise the data chain, says Mitchell Weinberg, chief executive officer of New York-based Inscatech Corp., which investigates food sourcing for evidence of fraud. Messing with the digital ledger, he points out, doesn’t take a tech genius.

“Wouldn’t criminals know how to cheat the blockchain?” Weinberg says. “How would it help with anything fluid or ground-up or chemical in nature? Those can be easily adulterated, and blockchain will never know how, when, or by whom.” That’s what happened in China in 2008 when melamine, a white crystalline compound used in plastics production, was added to water-diluted milk to increase its protein content. At least six infants died and almost 300,000 fell ill after consuming the altered milk, prompting a massive product recall.

By making suppliers more accountable, proponents say adoption of the technology would help reduce some of the headline-grabbing food tampering of recent years: wood pulp blended with Parmesan cheese, horse meat passed off as minced beef, and plastic mixed in frozen chicken nuggets. Such meddling, health dangers aside, costs the food industry as much as $49 billion a year, according to the Washington-based Grocery Manufacturers Association, which estimates a tenth of the food purchased in the U.S. is adulterated. Reducing waste is another goal. Recalls contribute to the 133 billion pounds of food the U.S. Department of Agriculture estimates is lost in the country every year. That accounts for as much as 40 percent of the nation’s food supply, the USDA says.

So, let’s say there’s a norovirus or listeria outbreak associated with spinach at your local grocer. The current system may require recalling vast amounts of spinach from around the country, because it’s so difficult to identify the origin of contaminated food. With blockchain, grocers can quickly pinpoint the source, narrowed to a single region or even a single farm. Once in stores, blockchain data—combined with sensors and computer models—could help grocers better gauge the shelf life of produce, according to Donna Dillenberger, an IBM research fellow. Historical information, collected from temperature sensors on the shelf, could be run through predictive models to determine the optimal temperature for, say, strawberries.

Blockchain is making its way to sea, as well. The World Wildlife Fund is testing a combination of radio-frequency identification sensors and blockchain software to track the transport of a tuna on its way from fishing boat to processing plant, according to Bubba Cook, the western and central Pacific tuna program manager. The idea is to discourage the introduction of illegally caught fish to the food supply. It won’t be a foolproof system, says Cook, but “blockchain offers a platform that makes illegal or unethical practices infinitely more discoverable than the currently diffuse and opaque supply chains.”

Chuck Reynolds

Marketing Dept

Please click either Link to learn more about Bitcoin.
Interested or have Questions, Call Me, 559-474-4614


Marketers: Here’s what your job will look like in a blockchain world

Here’s what your job will look like in a blockchain world

General Stanley McChrystal was responsible for the U.S. Army

in Iraq and Afghanistan. In his book Team of Teams, he talks about the rude awakening he had when he saw how disadvantaged his centralized command was compared to the decentralized networks of Al-Qaeda in Iraq and Afghanistan. McChrystal quickly recognized he needed to reimagine how teams were built and empowered. He understood that innovation, insights, and awareness happen at the edges of networks, not in the center. That is why it is critically important to empower the edges of those networks with information, resources, and feedback loops. Captain David Marquet immortalized that same lesson in his book Turn the Ship Around! He’s the source of the doctrine “Move authority to information; don’t move information to authority.”

We are witnessing the same decentralizing trend in large organizations, powered by the arrival of blockchain or distributed ledger technology (DLT). This trend is going to affect every industry and every business function in the years to come. And hundreds of thousands of blockchain-based technologies are going to emerge onto the market to fuel it. Coinbase cofounder Fred Ehrsam suggests “There will be a Cambrian explosion of economic and governance designs where many approaches will be tried in parallel at hyper speed.” Indeed, in 2017, we saw more than 442 crypto startups get funded through token sales.

Just as the evolutionary process requires some lifeforms to fail while others succeed, the best products and platforms won’t necessarily win. What makes one product win — or survive — instead of another? In Darwinian terms, it is the ability to adapt to a changing environment. In the world of organizations, the function responsible for ensuring the ability to adapt to changing environments has a name: marketing. Peter Drucker, the legendary management consultant, once wrote that, “Because the purpose of business is to create a customer, the business enterprise has two — and only two — basic functions: marketing and innovation.” If Drucker is right, it stands to reason that an organization’s marketing function should match and complement the innovation function. After all, it is at least as important.

What I am proposing is that this era of decentralized, crypto-based technical innovation requires an equally decentralized, crypto-based marketing function that enables adaptation: a decentralized marketing organization (DMO). The purpose of the DMO is to partner with the decentralized technology organization (the innovation part of the business) to create a “crypto-customer.” A crypto-customer is different from the customer of a traditional organization. In a decentralized network, the overall value (i.e., market cap) of the protocol loosely trends to Metcalfe’s Law. That is, the most valuable customers are the people who engage most deeply with the protocol and bring in more nodes to the network. So an effective marketing strategy for a decentralized project will enable a series of multipronged demand pulls that target the wide array of roles that play into protocol adoption — developers, designers, token buyers/investors, social media influencers, regular users, partner integrations, etc.

All of these customers engage with the protocol because they believe in the value of the associated token. The more a token holder believes in the expected future value of the token, the more likely they are to hold on for dear life (HODL) and the more likely they will evangelize. So token holders are naturally and intensely motivated. They will engage in activities they think will drive the utility and value of the token higher in the long term. One might say they are marketers without knowing it, which is a mixed blessing. On the one hand, token holders have the same motivations and incentives as the project’s marketers. On the other hand, because they are stakeholders, not employees, they cannot be “controlled” or guided as a traditional employee can be.

Marketers who are employees in a centralized organization are accountable to the leaders who judge their results and decide their compensation. In a decentralized project, many of the people executing marketing tactics do so without any guardrails. Their compensation doesn’t come from a boss, it comes in the form of market response to their aggregated activities, as measured by the appreciation in the value of a crypto token. Hence, marketing is syndicated well beyond the traditional boundaries of the organization. Formerly the “edge” of the marketing network was simply rank and file employees responsible for marketing activity. Now, the edge is the network of token holders who need to actively market the decentralized project to the next set of potential customers. The upshot: the formal organization, or “core,” is accountable to the edges of the network.

Token holders view themselves as brand ambassadors

and may feel that, no matter what type of marketing activity they engage in, it is, by definition, on brand. This combination of motivation and no direct accountability means the execution of low-cost innovative activities has the potential to explode in quantity, run the gamut in quality, and be aimed everywhere and anywhere.

A DMO’s many responsibilities

Anyone can blog about a project. Anyone can create a video about it. Anyone can host an event about it. Those are all positives. At the same time, these activities present risks,


  • Inconsistent messaging and look-and-feel stemming from many voices creating confused or even contradictory messaging about the purpose, vision, and value of the token and project
  • Wasted energy going after less-desirable customer segments or low-value objectives
  • Feature delay stemming from differing points of view about the primary use case and target customer, leading to confusion and infighting (look no further than Bitcoin Core vs. Bitcoin Cash). To be sure, one of the benefits of an open-source project is the ability to “fork” it and create a new, better alternative. But premature forking can make it hard to reach critical mass adoption. And that kind of delay can be lethal in a fast-moving, dynamic, noisy marketplace.

For the reasons above, the marketer of a decentralized project has goals in common with a traditional chief marketing officer as well as goals that are unique to a DMO:

Like in a centralized marketing organization, a crypto-marketer must:

  • Avoid total marketing chaos through the creation and communication of a strategic marketing plan
  • Ensure brand clarity and message discipline with well-thought-out brand and messaging platforms
  • Maintain and encourage the passion of the people most vested in the success of the project with a well-planned and inspired communication program that highlights momentum, new features, and benefits
  • Uncover the active and latent needs of current and future token holders
  • Aggregate those needs for assessment by the core technology team
  • Help the technical team prioritize protocol development against expected increase in utility and value, weighed against cost/time to deliver.

But a crypto-marketer also has some unique challenges. They must:

  • Identify and build a developer audience that sees the value in building on the core protocol
  • Inspire effective execution of marketing activities by token holders using 100 percent influence and 0 percent authority
  • Create a marketing infrastructure to enable any token holder to leverage a set of brand assets that support consistent messaging and visual identity with the absolute minimum amount of friction
  • Identify and analyze the token holder-driven marketing activities that produce effective outcomes
  • Rapidly disseminate the learnings and know-how to other motivated token holders for reuse, where applicable
  • Propagate the belief that token HODLing is the utmost sign of commitment and dedication.

The first part is not easy, but it is doable. An experienced marketer who has had a leadership role in an organization and had a broad range of responsibilities, including planning, budgeting, brand communications, go-to-market, product, community, PR, influencer relations, developer relations, analyst relations, content, and lead generation should be able to help you. It is the second part, however, that provides the greatest opportunity for growth.

When it comes to marketing innovation, the best ideas tend to occur at the edges of a network. After all, that is where the interaction with the evolving market is most intense. Yet, while the best marketing ideas tend to emerge in locations that are far away from the “group think” of those in the core, the mechanism for funding and executing those ideas tends to sit in the concentrated areas of the network. This leads to friction in terms of meetings, approval processes, communication lags, and internal selling. In the “Age of Accelerations,” as Tom Friedman calls it, the projects that figure out how to identify, cultivate, and activate their token holders to drive marketing outcomes as quickly and effectively as possible are going to significantly increase their odds of success.

The tech behind a DMO

How will all of this actually work? To be honest, that question is probably at least slightly ahead of the technology. At the same time, like a jigsaw puzzle on a floor, we are starting to see the pieces of an eventual DMO emerge. As my CEO at Sprinklr, Ragy Thomas, used to say, “Think future back.”

A DMO tech stack will have a number of elements. Here are some of them:

  • Decentralized autonomous organization platforms
  • Decentralized idea-generation and voting platforms
  • Decentralized prediction engines
  • Decentralized artificial intelligence
  • Decentralized bots
  • Decentralized gamification engines
  • Decentralized content management
  • Decentralized marketing tools

These technologies will serve as the nervous system for the DMO. The ability to create organization-wide governance systems that are enforced by blockchain-based smart contracts is not just possible but is in development (albeit in the early stages). Projects like Aragon, DAOstack, Colony, and District0x are all pursuing the vision of enabling the back-office functions of global, decentralized organizations to work with less friction, lower costs, and greater agility.

Chuck Reynolds

Marketing Dept

Please click either Link to learn more about Marketing.
Interested or have Questions, Call Me, 559-474-4614


Best Investment? Mark Cuban Says Not Gold Or Bitcoin But Paying Off Debts

Best Investment? Mark Cuban Says Not Gold Or Bitcoin But Paying Off Debts

Billionaire tech businessman

and one of the Shark Tank show’s “shark investors,” Mark Cuban has recently sat down with Kitco News, an outlet specialized on covering news about precious metals, to talk about his opinions on investing in various assets, including Bitcoin and gold. When asked about what is the safest investment right now, Cuban didn’t say stocks, gold or Bitcoin (BTC). Instead, he argued that paying off your credit cards, student loans, or  “whatever debt you have” is “probably the best investment”

you can make.

“The reason for that is whatever interest you have – it might be a student loan with a 7% interest rate – if you pay off that loan, you're making 7 percent. And so that's your immediate return, which is a lot safer than trying to pick a stock, or trying to pick real estate or whatever it may be.”

Talking about gold and Bitcoin, Cuban said that he hates both, adding that he looks at cryptocurrencies and precious metals as largely the same thing, calling them “collectibles.” The billionaire investor explained that the value of both gold and Bitcoin is based on supply and demand. However, he also stressed that Bitcoin is in a more favorable position

due to its scarcity.

“The good news about bitcoin is that there’s a finite supply that’ll ever be created, and the bad news about gold is that they’ll keep mining more.”

This is the second time when Cuban seemingly reversed his opinion on Bitcoin. Back in June 2017 he criticized the world’s leading virtual currency by calling it “a bubble,” but by October he started claiming that cryptocurrencies and Blockchain are the future. Last October, Cuban also included a tip to invest up to 10% of your life savings in Bitcoin or Ethereum in his video “Guide to Getting Rich,” calling them “high-risk” assets. In his latest interview with Kitco, Cuban recommends to put the money in the bank to those who want to play it safe, “just to sleep well at night.” Apart from investing in a digital currency hedge fund and an ICO, and launching the Ethereum-based cryptocurrency Mercury Protocol in 2017, Cuban also announced in January this year that the Dallas Mavericks NBA team, which he owns, will start accepting Bitcoin as payment next season.

Chuck Reynolds

Marketing Dept

Please click either Link to learn more about Bitcoin.
Interested or have Questions, Call Me, 559-474-4614



Digital Marketing Trends that are Dominating 2018

 Digital Marketing Trends that are Dominating 2018

The digital marketing world continues to mature.

An explosion of technology over the last two decades; from the creation of a connected digital world with desktop access to a mobile-heavy, device-responsive, persona-driven, data-collecting ecommerce behemoth, has produced both a marketer’s dream and nightmare. And now that technology and the Internet are so easily accessible, digital marketing is among the most reliable methods. The following trends can help your mortgage business with the distribution of your content throughout the digital world by means of various technological devices and social media platforms.

Email Marketing

Email has constantly been positioned as the channel of choice. Consumer behaviour is shifting as online communications diversify. Although inbox usage has lessened due to the use of social media and text messaging, email communication is still the preferred method for business to interact with their customers. Based on statistics, email has always been a significantly more effective way to acquire and retain customers than any other digital medium. Survey data has shown a 40 per cent better customer acquisition rate than social media.

Tips and Stats to Consider about Email Marketing:

  • Recipients are about 14 per cent more likely to open an email if it’s a part of a segmented campaign vs. traditional email.
  • Video emails see click-through rates that are 96 per cent higher than non-video emails.
  • Email is the number-one channel when it comes to sharing content. Readers are three times more likely to share via social media if they originally receive via email.

It is predicted that email is bound to continue growing and maturing. Data-driven inbox interactions will become a universal practice; content will update in real-time within the inbox, the mobile dominated markets will interact more with video-in-email marketing, and the email traditions of the early 2000s will become automated persona-driven programs.

Mobile is going to keep growing

These days, everyone is attached to their mobile device 24/7, so of course mobile marketing will continue to grow and gain importance for modern companies. Mobile has become a critical part of every marketing strategy, and the sooner you join the party, the better off you are going to be. Mobile marketing is not a new idea or tactic, but the strategy behind it has been evolving dramatically in the past few years, and that momentum is going to continue through 2018 into 2019.

Tips and Stats to Consider about Mobile Marketing:

  • The amount of emails being opened on mobile devices has grown by 180 per cent in just a few years.
  • More than 50 per cent of Smartphone owners will reach for their mobile device immediately upon waking up. In other words, the early marketer gets the worm.
  • 57 per cent of all mobile users will not recommend a business if their mobile website is poorly designed or unresponsive.

Mobile optimization is an important theme that has been reoccurring this year and will surely affect 2019. With the rise and increasing access of wearable technology, consumers are constantly performing their searches on the go, and this practice is becoming more and more widespread. Google has regularly adjusted its algorithms to support more mobile-friendly pages on websites and has already begun to make its search results page on desktops better resemble its mobile version. Desktop searches aren’t going anywhere anytime soon, but mobile queries are expected to grow.

Video and Live Streaming

Video continues to become increasingly accepted among audiences and is a great method of delivering your brand and message. The use of live streaming is one of the growing social media marketing trends. It is a great tactic for your mortgage business to reach out and grab the attention of your clients, prospects and leads. Google has even increased the appeal of video by allowing them into search results pages. Through the use of social media channels like Facebook, Instagram, Snapchat, Periscope and Twitter, the possibilities for your mortgage business are endless, and for this reason it’s worth incorporating live streaming in your business and marketing plans.

Tips and Stats to Consider about Video:

  • 59 per cent of executives agree that if both text and video are available on the same topic, they are more likely to choose video.
  • Social video generates 1,200 per cent more shares than text and images combined.
  • Native videos on Facebook have 10 times higher reach compared to YouTube links.

Live streaming video is simply a more interactive form of video marketing, and video marketing has been proven to be a very effective form of building relationships. Video currently accounts for half of all Internet traffic, so it is understandable why businesses would want to be part of it. Videos are accessible and affordable, and their Return on Investment has been tested and proven again and again. Its success is expected to continue into the next years.

Social Media

We currently live in a world dominated by social media, and marketers and businesses are taking full advantage of it. However, this means that there is a constant change in the trends and the way brands should best communicate with their customers. It’s important that brands keep up with the latest trends in order to achieve their goals, whether that is to increase conversions or improve ROI. The popularity of social media continues to rise, and 2018 is no exception. Facebook clearly stood out as a social media channel and reached 1.79 billion monthly active users in the third quarter of 2016. This is followed by YouTube, which has 1.3 billion users. It is quite clear that social media is here to stay, and mortgage professionals need to capitalize on it and use the various platforms to their advantage.

Influencer Marketing

Influencer marketing has been growing in popularity for the past few years, but new and different types of brands are now starting to take notice. According to Inc.com, 84 per cent of marketers planned on executing at least one influencer marketing campaign during 2017, and businesses generate $6.50 for every $1 invested in influencer marketing.

In general, consumers—especially younger ones—prefer content that feels less “staged” and more natural. Subtle sponsored content that feels and looks organic promoted by influencers is extremely effective. Nearly 95 per cent of marketers who currently use an influencer marketing strategy believe it is effective, and we only expect the number of marketers (and their respective brands) to increase next year. Destination organizations are now collaborating with influencers to gain that more authentic voice to resonate with target audiences they would otherwise reach with less credible paid advertisement or native content, when their own content has a hard time cutting through the noise.

Let’s recap

Electronic mail has been utilized the entire time, equally creating success and hardships for organizations that adopted the digital way of life. Video and live streaming are both new and familiar methods that are perfect for businesses that want to attract audiences. Mobile marketing is an enormous trend that all businesses should consider as a strategy as its growth and popularity increases. This is also the case with social media as it becomes increasingly popular amongst the public. And Influencer Marketing can help distribute in a less “staged” and more natural way amongst current and potential customers.

Chuck Reynolds

Marketing Dept

Please click either Link to learn more about Marketing.
Interested or have Questions, Call Me, 559-474-4614



Top Blockchain-Related Stocks For 2018, And A Few To Avoid

Top Blockchain-Related Stocks For 2018, And A Few To Avoid


In recent years, blockchain and other new technologies

have emerged that may significantly change the future of money, finance and more. Not only can blockchain technology support the functions of cryptocurrencies like Bitcoin, Ether and Ripple, but it has the potential to revolutionize marketplaces and the way data is stored and transferred around the globe for generations to come. Companies across industries including financials, healthcare and technology are looking into blockchain research and development in search of ways for better fraud prevention security, faster transmission confirmation and potential cost savings through efficiencies. In fact, it has been predicted that blockchain platforms will store 10% of global GDP within the next decade.

Measuring Blockchain Innovation Potential

Given the technological progress and potential, it could prove valuable to investors to be able to measure and analyze the companies that are investing in and developing blockchain technology, identifying the companies most potentially able to augment their businesses and generate new revenue streams or cut costs would likely help investors outperform. To help investors measure the potential effect of blockchain technology, I created a Blockchain Score™ ranking methodology. Blockchain Score utilizes seven factors to formulate a better overall picture of a company’s blockchain-related potential, visualized through a ranking system. Based on this methodology, we ranked some of the top blockchain-related companies for 2018.


The bellwether exchange and equity index provider is among the top financial companies devoted to harnessing the power of blockchain. The New York-based firm operates at the intersection point between finance and technology, enabling investors to securely navigate financial markets on a global scale.Most investors are familiar with Nasdaq regarding traditional investing practices, but Nasdaq has also become an industry leader in developing innovative securities transaction methodologies since 2013. It also was one of the first to explore and incorporate the use of blockchain technology into its applications. The Nasdaq Private Market was first launched in 2013 to facilitate secondary transactions for private corporations, and two years later Nasdaq announced its first private securities transactions using blockchain technology. Chain.com was the first client to use Nasdaq’s own Linq Blockchain ledger platform. The fintech company has invested in blockchain technology and looks to be on the forefront of blockchain’s transformative potential.


Since its founding in 1911, IBM continually developed technologies used throughout business, industry, and the public. Today, the company behind Watson and developments in cloud technology is already harnessing a blockchain service for over 400 clients in multiple industries. IBM’s Blockchain Platform provides a fully managed, blockchain as-a-service (BaaS) offering delivered through the IBM Cloud, allowing organizations or individuals to record and track any type of complex transaction and recordkeeping network securely. More importantly, IBM estimates that its blockchain offering will decrease financial service transaction disputes from $100 million each year to $30 million and reduce overall resolution time by 77%. Blockchain platforms have the potential to reduce costs for industries like finance, healthcare, government and more while potentially creating a new revenue stream for firms offering blockchain as a service. These improvements may translate into improved bottom lines, and higher earnings.


Though known for its bullet trains and enterprise solutions, Hitachi is actually one of Japan’s biggest technology firms investing in blockchain. The conglomerate has been researching blockchain technology since the early 2000s, before even the invention of Bitcoin. Hitachi obtained its first blockchain-related Japanese patent in 2003.

Through its Financial Innovation Laboratory (FIL), Hitachi continually works to broaden the application of blockchain using a a three-phase approach. The multinational technology firm first intends to establish a specialty for financial processes specifically, then expand across industries, and finally create a fully functioning, automatic process across systems using new blockchain innovations like smart contracts. Recently, Hitachi incorporated a cryptocurrency and blockchain solution to support its supply chain management and operational strategy service. In time, Hitachi aims to continue committed research and development efforts to find and introduce more use cases in blockchain technology.

Daimler AG

Blockchain advancements are, to the surprise of many, also utilized by German Automaker Daimler AG. In partnership with LBBW, Daimler launched a €100 million 1-year corporate loan instrument, known as a Schuldschein, using blockchain technology. The complete transaction, from origination and execution of the loan agreement to the confirmation of repayment and of interest payments — was wholly carried out through blockchain technology.

Based on the success of this recent blockchain initiative, Daimler is looking to implement blockchain technology into the full spectrum of its business practices, as well as auto financing. Kurt Schäfer, Daimler’s Treasury Vice-President stated “Blockchain can affect nearly the entire value chain. That’s why we, as a leading automaker, want to play an active role in the global blockchain community and help shape the cross-sector blockchain standards. We want to do this in all the areas of application that are important to us: customer relations, sales and marketing, supplier management, digital services, and financial services.”

Hive Blockchain Technologies

Hive Blockchain technologies is among our top blockchain stock picks, and one of the most directly involved in cryptocurrency investing. The Canadian technology company looks to bridge the gap between blockchain innovation and capital markets through ownership of multiple cryptocurrency mining farms at strategic locations. It uses blockchain technology to validate cryptocurrency transactions.

Hive recently announced a major expansion of its mining capabilities, securing a large-scale bitcoin mining facility in addition to a private financing round to the tune of $100 million. The technology firm was the first publicly traded stock on a major stock exchange dedicated solely to cryptocurrency mining when it joined the Canadian TSX venture exchange in September 2017. Hive operates multiple cryptocurrency facilities and mines 8 cryptocurrencies currently including Bitcoin, Ethereum, and Litecoin.

So-Called Blockchain Stocks To Avoid For Now

Investors face a unique risk amid the buzz surrounding blockchain. Many businesses may have unwarrantingly added blockchain to their official company names, and experienced a subsequent spike in their stock prices. This is without necessarily utilizing nor understanding the innovative aspects of the technology. Be wary these so-called blockchain companies, as they could be benefitting from the technology’s shimmer while offering no substance. Our methodology has found companies that may require more time and thought to actually integrate blockchain into their core competencies.


Xunlei is a Chinese video-streaming service turned cryptocurrency and blockchain company. In October, the technology company announced its plan to launch OneCoin, it’s own blockchain-based cryptocurrency. From October through November, XNET’s stock price to surged from $4 to $25 after the announcement, but experienced major declines thereafter, causing investor suspicion. Now, the company is involved in at least in at least 2 class-action lawsuits, alleging that XNET made false or misleading statements to investors, and is in violation of federal securities laws in offering on OneCoin, now named LinkToken.

The lawsuits stem from seemingly conflicting statements regarding the new blockchain-based cryptocurrency. Investors who believed the announcement to be an initial coin offering (ICO), were met with new statements that LinkToken was actually an initial mining offering, and that the coins were not for trading. China’s central bank banned ICOs in September, before XNET’s blockchain announcement, but investors can only wait as the litigation unfolds. The fervor surrounding blockchain requires investors to analyze blockchain-related stocks with a rigorous methodology, to avoid the potential pitfalls.

Long Island Blockchain

Previously Long Island Ice Tea Corp., Long Island blockchain raised eyebrows market-wide after the company announced a significant shift in its business focus, including a complete name change. Though the company still actively produces its non-alcoholic beverages and is yet to provide details on its use of the blockchain, the stock price increased by more than 250%. For blockchain investors, there may be better options for blockchain-related stocks. It would be prudent to consider companies with more concrete plans or research into the utilization of blockchain technology in their core competencies.

Riot Blockchain

Bioptix Inc. changed its name to Riot Blockchain last October to reflect a new focus on cryptocurrency and blockchain business. Before even announcing its entrance into the cryptocurrency and blockchain technology space, the penny stock nearly doubled in value, later plunging 20% in December. Today the stock is in the process of selling its remaining biotech related patents, as it pivots to bitcoin mining and blockchain software. It may still be too early to determine how this shift will affect the company’s revenues, costs, and operating margins.


The Eastman Kodak company recently made headlines after announcing KodakCoin, a blockchain-powered token solution to photography copywrite protection. The stock price tripled in value after the announcement. While this new development of blockchain technology is potentially promising for the stock and the market overall, details remain excessively scant, and it remains to be seen if Kodak can augment its business model with blockchain capabilities.  Kodak’s KashMiner’ mining rig looks to support licensing partnerships, but, may be the full extent of the company’s cryptocurrency plans. Lastly, it is worth noting that KodakCoin has announced a delay to its initial coin offering (ICO) by several weeks, to verify the ‘accredited investor’ status of interested parties. The company’s statement at the end of January also cautioned interested investors to avoid fraudulent KodakCoin ICO pages online, and to purchase the token on Kodak’s official platform only.

New Tech on the Block

Whether its applications represent an incremental improvement, a significant leap forward, or a complete transformation of industry, blockchain’s potential is certainly worth a second look. The technology is still considered to be in its early adoption stage, but innovations in blockchain investing are becoming easier. Take a look at thoughtful blockchain methodologies like Blockchain Score™, which aims to find high-quality stocks on the forefront of blockchain technology. The Reality Shares Nasdaq Blockchain Economy Index utilizes this methodology in its construction and is fully supported by an advisory board of blockchain company founders, cryptocurrency executives, and technology thought leaders to guide the strategy for true blockchain impact.

Chuck Reynolds

Marketing Dept

Please click either Link to learn more about Bitcoin.
Interested or have Questions, Call Me, 559-474-4614




Facebook to require authorization and labeling on all political and ‘issue’ ads, verification of large Pages and more

Facebook to require authorization and labeling on all political and ‘issue’ ads, verification of large Pages and more

The company also plans to roll out tools that let users see who is advertising on a Page and search through all the political ads running on the platform.

Facebook has introduced yet another set of changes

in the wake of a scandal caused by charges that Cambridge Analytica misused Facebook user data. In a blog post Friday, Facebook executives Rob Goldman and Alex Himel announced several changes and features they said would make advertisements and Pages more transparent. The changes include required authorization and labeling of political and “issue” ads, and manager verification for large Pages. The company will also roll out a searchable political ads archive and a tool to see what ads a Page is serving that is already being tested in Canada. The ad requirements will also apply to Facebook-owned Instagram, but the post did not mention any other Facebook entities.

Designed to stop future electoral abuse

Goldman, vice president of Ads, and Himel, vice president of Local and Pages, said that the social media platform was “slow to pick-up foreign interference in the 2016 US elections. Today’s updates are designed to prevent future abuse in elections — and to help ensure you have the information that you need to assess political and issue ads, as well as content on Pages. By increasing transparency around ads and Pages on Facebook, we can increase accountability for advertisers — improving our service for everyone.”

Also from the blog post:

We believe that when you visit a Page or see an ad on Facebook it should be clear who it’s coming from. We also think it’s important for people to be able to see the other ads a Page is running, even if they’re not directed at you. That’s why today we’re announcing important changes to the way we manage ads and Pages on Facebook as well as Instagram. These are designed to increase transparency and accountability, as well as prevent election interference.

Clarity around political and ‘issue’ ads

The company said it would extend requirements issued in October that required political advertisements on Facebook and Instagram to be authorized to include “… ‘issue ads,’ — like political topics that are being debated across the country.” These ads will be labeled “Political Ad” and will include “paid for by” information. Advertisers can be authorized by confirming their identity and location. Testing on these features has begun, and the changes should start rolling out this spring. The company will use artificial intelligence and add more personnel

to find advertisers who slip through.

We realize we won’t catch every ad that should be labeled, and we encourage anyone who sees an unlabeled political ad to report it. People can do this by tapping the three dots at the top right corner of the ad and selecting “Report Ad.”

Facebook will also release a public, searchable political ads archive, which “contains all ads with the ‘Political Ad’ label, and will show the image and text, as well as additional information like the amount spent and demographic audience information for each ad.”

Transparency for Pages and their managers

The company has been testing a new “View Ads” feature that “lets you see the ads a Page is running — even if they are not in your News Feed. This applies to all advertiser Pages on Facebook — not just Pages running political ads. We plan to launch view ads globally in June.” The blog post did not indicate

how “large” pages will be defined.

Today, we’re also announcing that people who manage Pages with large numbers of followers will need to be verified. Those who manage large Pages that do not clear the process will no longer be able to post. This will make it much harder for people to administer a Page using a fake account, which is strictly against our policies. We will also show you additional context about Pages to effectively assess their content. For example, you can see whether a Page has changed its name.

Just the latest change

This new feature is just the latest in a number of changes Facebook announced last month that it will be taking to address privacy concerns since the Cambridge Analytica scandal erupted. These changes included giving users the option to remove apps in bulk, restricting app developers’ access to user data, giving users more visibility to their apps from News Feed and taking more actions to safeguard user privacy.

On the ad side of its business, Facebook has blocked third-party data broker data from being used for ad targeting and removed audience reach estimates for Custom Audiences. This week, Facebook confirmed it was working on a new certification process for advertisers to verify that they have gained consent to use email addresses uploaded via Custom Audiences. Next week, Facebook CEO Mark Zuckerberg will appear before the Senate Judiciary Committee and Senate Commerce, Science and Transportation Committee on Tuesday and before the Congressional House Energy and Commerce Committee panel on Wednesday to answer questions about the company’s data privacy policies.

Chuck Reynolds

Marketing Dept

Please click either Link to learn more about Marketing.
Interested or have Questions, Call Me, 559-474-4614


South Korea’s Largest Banks Go Pro-Cryptocurrency as OmiseGo Secures Deal

South Korea’s Largest Banks Go Pro-Cryptocurrency as OmiseGo
Secures Deal

South Korea’s largest commercial banks including Shinhan and Woori

have continued to support cryptocurrency exchanges after Kookmin, the biggest bank in the country, denied to provide financial services to trading platforms.

Shinhan and Omise

Since then, both Shinhan and Woori have supported a series of pro-blockchain and pro-cryptocurrency initiatives. In January, Shinhan, the second largest bank in South Korea, announced that it has begun the development of a bitcoin wallet and vault system with which bank users can safely store bitcoin in a cold wallet. In February, Shinhan completed trials with Ripple Labs, utilizing the Ripple network and its liquidity system xRapid to send cross-border payments in a blockchain network. This month, Shinhan entered a strategic partnership with OmiseGo, an Ethereum-based banking and payments platform, to accelerate the adoption and implementation of blockchain technology in Asia, and more specifically, South Korea. In South Korea, upon the completion of a memorandum of understanding (MOU) between Shinhan and the Ethereum startup, Omise CEO Jun Hasegawa stated:

“Omise and OmiseGO are working to revolutionize the way digital value moves globally, with an end goal of creating a platform that facilitates a decentralized economy. The OMG platform, using the Plasma architecture, is being built as a public network that is powered by Ethereum. The first phase of the wallet SDK was recently released and is available for anyone to use. We want to make it easy for those who need online asset exchange as part of their business to connect seamlessly to the OMG Network.”

The official statement of Omise revealed that in the upcoming months, Shinhan will closely work with Omise to integrate its blockchain technology in various areas of the bank’s operations. Shinhancard, the credit card department of Shinhan Bank, is expected to develop new business models and key application opportunities based on the OmiseGo technology, becoming the first major credit card company in Asia to apply blockchain technology.

Omise will also process Shinhan FAN card and overseas merchant base, potentially settling transactions for Shinhan merchants using the OmiseGo blockchain, and ultimately, the Ethereum blockchain. “The MoU establishes a framework for closer collaboration between each party; leveraging Omise’s broad portfolio of payment technology and solutions, and OmiseGO’s server and mobile SDKs that have been made publicly available for the purpose of onboarding e-wallet providers,” the Omise team said.

Bitcoin Wallet

In November 2017, CCN reported that Shinhan began the development of its bitcoin wallet and vault system. Its representative stated: “Shinhan is testing a virtual bitcoin vault platform wherein the private keys of bitcoin addresses and wallets are managed and issued by the bank. The bank intends to provide the vault service for free and charge a fee for withdrawals.” The MoU between Omise and Shinhan could lead to the Omise development team cooperating with Shinhan in completing the development of its cryptocurrency wallet, given that the Omise team revealed the MoU was signed to allow Omise to cooperate with the major South Korean bank in developing a variety of blockchain solutions.

Chuck Reynolds

Marketing Dept

Please click either Link to learn more about Bitcoin.
Interested or have Questions, Call Me, 559-474-4614