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Di masa pandemi seperti saat ini, kegiatan Usaha Kecil Menengah (UKM) dan Usaha Mikro, Kecil dan Menengah (UMKM) semakin bertambah.

Agar para pelaku usaha lebih sadar pada literasi dan perencanaan keuangan serta kiat-kiat pemasaran di era digital, Lifepal mengajak 10 UKM serta UMKM binaan berkolaborasi dalam kegiatan webinar “Digital Marketing dan Financial Planning untuk UKM di Masa Pandemi”.

Webinar ini bertujuan untuk memberikan edukasi dan sebagai sarana sharing bagi para pelaku usaha dalam mengelola bisnisnya di tengah ketidakpastian akibat pandemi Covid-19.

Dalam webinar kali ini, materi disampaikan oleh Head of SEO Lifepal.co.id, Dudung Rahmanto serta Perencana Keuangan Lifepal, Aulia Akbar, CFP®, AEPP®.

Kehadiran pembicara terkait dengan digital marketing dan financial planning, para pelaku usaha dapat mengetahui seputar  bagaimana memaksimalkan SEO dan membangun perencanaan keuangan yang baik. Dengan begitu, usaha yang dijalani dapat bertahan atau bahkan menghasilkan revenue yang lebih besar.

Dudung Rahmanto mengatakan, penggunaan layanan digital di Indonesia meningkat dua kali lipat di masa Pandemi. Karena itu, perlu strategi bagi para pelaku UKM/UMKM meningkatkan digital marketing mereka.

“Mengingat sebagian besar pemakai internet menghabiskan sebagian besar waktu di rumah. Bekerja dari rumah, seperti karyawan, guru, ASN, akademisi, dan lain-lain. Hal ini merupakan kesempatan bagus untuk pelaku usaha menerapkan strategi digital marketing, melalui media sosial, organic melalui SEO maupun paid channel,” kata Dudung.

Berikut ini adalah cara-cara yang bisa dilakukan para pelaku usaha UKM dan UMKM untuk merencanakan keuangan.

Kenali bahwa bisnis adalah investasi

Sejatinya, bisnis adalah investasi. Tidak dipungkiri, bahwa tujuan utama dari bisnis adalah mendapatkan penghasilan tetap, sementara gak sedikit juga yang bercita-cita untuk menggapai merdeka finansial dari bisnisnya.

Patut diketahui bahwa ada baiknya untuk menjaga keamanan finansial terlebih dulu sebelum berinvestasi.

Perbaiki cash flow

Sudah sangat wajib Anda memiliki rekening yang terpisah antara rekening pribadi dan bisnis. Hal ini untuk mempermudah proses pencatatan arus kas bisnis dan keuangan Anda.

Tidak ada salahnya pula untuk menggaji diri sendiri demi kesehatan keuangan usaha. Pengeluaran atas gaji akan masuk ke bagian beban operasional usaha Anda.

Sementara itu, laba bersih yang didapat tentu bisa digunakan untuk kebutuhan ekspansi usaha.

Tetapkan pengeluaran bulanan

Lakukan perhitungan atas pengeluaran bulanan Anda dengan seksama. Mulai dari kebutuhan yang bersifat wajib, butuh, dan ingin.

Akan ada masa di mana pemasukan Anda menjadi lebih kecil dari seperti biasanya lantaran siklus bisnis yang tak terprediksi. Bahkan, ada pula masa-masa di mana Anda tidak mendapatkan pemasukan sama sekali lantaran risiko usaha.

Karena itu, usahakan agar pengeluaran bulanan untuk kebutuhan sehari-hari Anda bersifat tetap. Sehingga Anda bisa menghitung berapa dana darurat dan uang pertanggungan asuransi yang dibutuhkan.

Siapkan dana darurat

Sebelum memulai usaha, hal yang wajib Anda miliki adalah dana darurat yang memadai. Ketahui bahwa penghasilan Anda sebagai wirausahawan tidaklah tetap.

Risiko berkurang atau hilangnya penghasilan karena usaha berpotensi terjadi kapan saja. Bagi pengusaha baru, tidak ada salahnya menyiapkan dana darurat setara 2 tahun pengeluaran Anda.

Dana darurat ini berfungsi sebagai dana untuk memitigasi risiko di saat Anda tidak bisa mencetak penghasilan bersih dari usaha.

Miliki proteksi

Bila saat ini Anda mendapat fasilitas asuransi kesehatan dari kantor untuk diri sendiri maupun anggota keluarga, maka fasilitas itu tidak akan Anda peroleh lagi secara gratis jika banting setir menjadi pengusaha.

Selain memiliki dana darurat, miliki pula asuransi untuk menghindari hilangnya atau terkurasnya tabungan Anda karena sejumlah risiko atau musibah yang muncul menimpa diri Anda.

Bila Anda sama sekali belum memiliki asuransi dan hanya punya bujet terbatas untuk membayar jaminan kesehatan, pertimbangkanlah untuk membeli asuransi rawat inap terlebih dahulu. Sementara itu, bila Anda harus menjalani proses rawat jalan, manfaatkan BPJS Kesehatan.

Selain itu, jika Anda adalah pencari nafkah, Anda wajib melindungi keluarga dengan memiliki asuransi jiwa.

Ketahui pula bahwa semakin tua usia Anda ketika membeli asuransi, makin mahal pula premi yang harus Anda bayarkan.

Kenali bisnis yang dijalani dan kesehatan keuangan usaha Anda

Sangat bahaya bila Anda sendiri tidak memahami bisnis yang dijalani dengan baik.

Sebuah rencana bisnis akan bisa menjawab pertanyaan penting tentang apa yang Anda jual? Siapa pangsa pasar Anda? Seperti apa proyeksi bisnis Anda? Dan, bagaimana Anda menjaga kesehatan keuangan di usaha Anda.

Lakukan pencatatan keuangan usaha Anda agar bisa mengenali kesehatan keuangan Anda dengan baik. Dan yang tidak kalah penting adalah, pisahkan rekening pribadi dan rekening bisnis Anda.

Investasi ke diri sendiri

Perkembangan dunia bisnis akan berlangsung dengan sangat cepat dan tak terprediksi. Sebagai pengusaha, Anda akan dituntut untuk belajar terus.

Maka jangan sungkan untuk mengalokasikan dana demi pengembangan diri, sebut saja dengan sering mengikuti webinar-webinar bisnis, memilih mentor, dan lain sebagainya.

Sementara itu, untuk mengoptimalkan digital marketing bagi UKM, ada beberapa langkah yang bisa dilakukan, di antaranya:

Plan digital marketing di kondisi sekarang

Issue 1 - Berhubungan kondisi pasar

  1. Kesulitan transportasi travel
  2. Sakit ringan -berat
  3. Laptop lemot
  4. Obesitas, dan sebagainya.

Solusi 1:

Menawarkan solusi melalui produk Anda

  1. Jualan tiket pesawat seperti Traveloka dan lain-lain
  2. Jualan asuransi kesehatan, seperti yang dilakukan Lifepal
  3. Upgrade hardware; Tokopedia
  4. Health tech; Alodokter, Halodocs, dan sebagainya.

Issue 2 - Berhubungan kondisi trending sekarang

  1. Covid-19
  2. PHK
  3. Passive income.

Solusi 2 - Membuka opportunity bisnis baru

  1. Menghubungkan kategori kesehatan dengan produk kita
  2. Membuka Affiliate System, Reseller, Dropship untuk mereka yang kena PHK
  3. Blogger, YouTuber, dan sebagainya.

To do list pelaku usaha ada 3:

  1. Cari potential keyword yang berhubungan dengan produk Anda
  2. Cari potential keywords yang berhubungan dengan issue trend sekarang:

3. Jadilah yang pertama tahu, dan action: Create your unique value

- Tidak sama seperti di pasaran.

Strategi jualan lebih mahal, tapi laris bak kacang goreng!

Digital Marketing tips dari lifepal

Target penjualan online per hari 100 buah, bisakah?

Berat! Karena banyak pesaing, kebutuhan barang yang cepat, dan bisa dibeli di pasar atau supermarket/minimarket dan sebagainya.

Untuk itu, ada beberapa strategi yang bisa dilakukan, yaitu:

Syarat laku keras:

  1. Packaging menarik
  2. Kualitas, fresh, aman, enak, terjamin
  3. Direkomendasikan orang lain
  4. Free shipping
  5. Buy 3 free 1 small
  6. Dapatkan kontaknya untuk share promotion
  7. Konsumen testimonials: Status WA, page testimoni di web, testi di MP.

3 hal yang harus mulai dilakukan

Ada 3 hal yang dilakukan untuk mewujudkan penjualan bak kacang goreng, yaitu:

1. Create website

- Konten (keywords), optimasi (offpage dan onpage), serta index.

Bagaimana membuat artikel atau konten yang benar?

- Kepo keywords yang digunakan competitor dengan mengeceknya lewat Google atau Ahrefs.

Adapun Tools lain yang harus dimiliki content creator: Streaming Frog (audit onpage), Ahrefs keywords explorer, dan GSC.

2. Create social media

Langkah pertama adalah mengetahui social media yang tren di Indonesia. Lalu, mengetahui bagaimana riset keywords yang viral untuk social media?

  1. Google Trends
  2. Media Trends
  3. Google News; local; specific category.

Untuk mengetahui riset keywords yang viral di social media dilihat dari domisili yaitu Indonesia, past hour, all categories dan web search. Lalu, melihat trending articles dari media.

3. Optimasi

Yang bisa dilakukan dengan onpage analysis, keywords analysis, content optimization dan competitor insight.

To do list!

Adapun beberapa hal yang bisa dilakukan untuk meningkatkan digital marketing, adalah:

  1. Content: Memproduksi konten yang berkualitas dan dengan kuantitas yang baik, serta mencakup semua kebutuhan secara organik.
  2. Optimasi: Meningkatkan keywords yang drop di setiap harinya.
  3. Audit situs website Anda: Perbaiki masalah website terkait desktop atau seluler.
  4. Sejajarkan tren pasar: Temukan dan periksa kata kunci yang sedang tren terkait niche Anda.

Itulah tips-tips perencanaan keuangan dan digital marketing bagi pemilik UKM dan UMKM. Semoga bermanfaat!

Sumber artikel

Artikel ini ditulis oleh Aulia Akbar, CFP®, Financial Educator Lifepal dan Head of SEO Lifepal.co.id, Dudung Rahmanto sebagai bagian dari kolaborasi dengan Lifepal.co.id.

Live Chat Best Practices: Sales, Marketing and Support

Today's great customer service is about reaching customers wherever they are. And now, there's one forum where more future clients are than everywhere else: live chat. Think of the way you speak to people every day. You're probably using iMessage and WhatsApp for family and friends, and you're probably spending more time talking to coworkers on Slack than in person (especially nowadays). And when we're talking to people every day via texting, customers want to be able to speak to the company as well.

Unfortunately, conventional live chat software is still rooted in old-school customer service methods. Customers are forced to adopt a queue attitude in conditions like these, where they are treated like a ticket number rather than a human being. Not only that, but the team's time is taken up with answering easy, routine questions as quickly as possible, while more complex or urgent requests – despite having a higher priority – are left waiting.

But, live chat can actually be used to boost your company. There are a lot of ways you can use it to your advantage.

There are 3 use cases for a live chat on your websites:

1. Marketing

You're missing out if you think live chat is just for customer service. The lead generation machine will benefit from live chat marketing. Live chat is being used by forward-thinking businesses to incorporate conversational marketing on their websites.

The issue is that a considerable portion of your website visitors who may purchase your product do not find their way to a feedback form or a demo request. In fact, the vast majority of them would depart without taking any action. The standard marketing stack's average conversion rate isn't pretty.

With live chat, the focus shifts from passively collecting contact information of a potential customer to proactively engaging people in conversation using targeted outbound messages. Instead of forcing people to complete static form submissions, go through the tedious marketing qualification process, and wait for follow-ups (that may never come), live chat helps companies engage with potential prospects in real time, be it with humans. Targeted conversation between people or via chat bot chat machine to spark their interest. Without messaging tools to engage them, these possibilities would simply disappear and be lost forever.

The lead generations to apply this method are Google and Facebook Ads with Call To Action or CTA. CTA will direct your customer to WhatsApp chat, and you can automatically send template messages. With OneTalk by TapTalk.io, a trusted omnichannel messaging platform, messages are received in your chosen platform and immediately greeted by template messages. Other than that, OneTalk has a Disposition feature that can track customer’s behavior analytics. 

2. Sales

Live chat for sales! Today, customers have more choices than before. This means that they are in control of the sales process, and it is the company that provides an instant, profitable on-demand sales experience.

For a company that embraces this and creates rewarding, original and impactful sales experiences, the results speak for themselves. According to intercom, website visitors are 82% more likely to become customers if they speak up first. In addition, it is 13% more valuable than an account where the business did not have a conversation before signing up.

Not only that, but this is also another area where using bots to supplement your live chat makes sense: our research shows that bot-assisted conversations convert 36 percent better, owing to the fact that bots can respond faster than humans for most repetitive tasks.

3. Customer Support

Traditionally, most companies have viewed customer support as a cost center rather than a true value driver. As a result, they have done everything they can to reduce those costs, relying on an outdated support ticket system where the help center management, not the customer experience, takes priority.

This kind of support is no longer good enough. Conversely, customer support can be a factor that makes or breaks a customer's decision to work with you: According to Microsoft's Global Customer Service Status Report, 90% of respondents said customer service was an important factor in their choice and loyalty. To brands, and 58% will cut ties with the business due to poor customer service.

Live chat is the future of customer service, and it provides the type of chat support experience that is tailored to the needs of today's users. The customer doesn't want to be treated like a ticket, nor does he want to call the call center. They want quick and easy help in a way that makes them feel like humans.

But here's the good news: Live chat is not only better for customers, it's also better for business.

Best practices for live chatting

Tips untuk Membantu Bisnis Kecil Anda Unggul Dalam Customer Service

Adopting new guidelines for face-to-face chats is not without its challenges. Live Chat includes almost instant response, and many companies are afraid to manage the volume of messages that might come from adding live chat to their website.

For a business that may attract thousands or millions of people who visit their website each year, a 1: 1 conversation with every customer and prospect quickly becomes a daunting (not to mention extremely costly) task. But the good news is that you don't have to do this to be successful. Instead, it's about using live chat - as well as robots and automation - to help your team work more efficiently with the resources you have available.

Here are some simple live chat best practices to help you get the most out of your team.

Use the conversation support line

Many companies worry that installing a live chat program could "open the door wide" and cause their team to handle low-level customer inquiries ("How do I change my password?") Rather than problems or impactful questions.

This is where the conversation support line comes in. The Conversation Support Line is our framework for delivering fast, personalized customer support at scale, using a combination of proactive support, self-service and human support. By anticipating customer problems, using robots and automation to answer frequently asked questions automatically, and saving your team time and energy on high-cost items that require a human touch, you can optimize your resources and get the most out of live chat.

Set expectations

The Only Business Tips and Tricks You Need for Success

Just because you have live chat posted on your website doesn't mean you need to respond immediately. This will not only burn your troops, it is not true! Contrary to popular belief, conversation doesn't have to be direct, as long as clear expectations are set. Sure, in an ideal world, users might prefer direct responses, but in most cases they understand that more complex queries take a little longer to complete correctly.

The most important thing is to be direct and transparent. Above all, you need to tell them exactly when they will get a response. Live chat software like Intercom has a simple message answering tool to do this. This is only part of your customer's attention - don't leave them hanging at the end of the conversation. (And if you're trying to speed things up, remember that using custom troubleshooting and tuning robots can help you increase the resolution time by up to 50%.)

Extend the reach of your conversations with automation

One report shows that 89% of consumers want to be able to send messages to companies in real time, but only 48% have the tools to actually do so, which is why in past years live chat was an unpleasant experience. In fact, this so-called "live chat" is more like email than real time chat. Simply, it is not life at all.

Thanks to bot chat software and customer service, most live chat tools give you the ability to have a live and dynamic conversation, even when there is no one at the sender end of the message. For example, if you have a messaging program like Intercom, the launcher bot will automatically ask your visitors for their contact details so you can proceed.

Engage and Interact “More” with your customer

Live chat

When your customer opens your live chat option on your website, your customer can immediately get a response and select their topics and send a message. They will be directed to their chosen messenger platform and therefore, their message can land on anywhere on your messaging platform. By using an omnichannel-based messaging platform, your messages can be received by your agent. They can immediately reply and resolve their messages by using a lot of features that was offered by OneTalk as a trusted omnichannel brand. Disposition by OneTalk Customer opens chat widget on website. Disposition will keep track of your customer’s topic and analytics.  The disposition features ensures that an organization continues to listen to consumers and transforms all concerns and issues into a meaningful concept. OneTalk can assist you in keeping track of the statistics for each customer service case. This conclusion will assist you in gaining new market knowledge so that cases and issues do not recur in the future.

Other than Disposition, OneTalk can help you integrate omnichannel customer service with the WhatsApp Business API.  Without the complicated process of answering with one WhatsApp user, you can have the benefits of integrating omnichannel customer service with the WhatsApp Official Business API. No need to wonder how to use multiple users for WhatsApp business. You can simply use only one WhatsApp number to increase credibility and customer confidence in your business. With OneTalk, you can log in to your WhatsApp business account with multiple users on multiple devices all at once. Now you can use your WhatsApp Web on multiple devices and answer your customers all at once. OneTalk can Boost agent efficiency with all the integrated messaging platforms. Using an omnichannel service such as OneTalk will give WhatsApp Web access to more devices.

Conclusion

We can now offer this experience at scale thanks to live chat. Live chat is the de facto way to communicate with customers and prospects when they're at their most interested – in real-time, as soon as they land on your website. Whether it's through 1:1 human conversations or automated with the aid of a chatbot, live chat is now the de facto way to engage with customers and prospects when they're at their most interested – in real-time, as soon as they land on your website. Using OneTalk could also work for your business to improve sales, marketing, and support. 

To delve more into this, contact us and chat with our agent by WhatsApp or email.

Create Great Marketing Content Through Customer Service

In today's intensely demanding market world, customer service is a practice that should be top of mind for any employee at every business. Of necessity, a customer service team's main aim is to attract existing clients by making them satisfied. However, offering outstanding customer support requires more than just answering questions and addressing concerns.

Customers would focus on solving their issues on their own if they can do it easily and thoroughly. When a customer has an issue with your product or service, the first thing that comes to mind isn't to call you.

According to Dimension Data, 73% of customers choose to use a company's website for help,  instead of using their social media, SMS, or live chat. Rather than dealing with a customer service agent, they now want to look for answers online through a FAQ post or an information base.

This kind of behavior causes companies to implement a self-service system. Self-service would be the most effective way to resolve issues because they don't have to wait for the company to answer. There are many ways to use customer service as marketing content:

1. Use Frequently Asked Question

Many of the questions asked by customers are usually repeated. And the answers to these often asked questions are a gold mine with content marketing opportunities.

You can create content such as FAQ forums to help customers with the same issues. For example, Amazon has a system where they strive to stop answering the same question twice. They gathered feedback from all of their customers so they can address the same issue that’s been happening to all of their customers.

2. Use Customer Review/Rating

You can use customer testimonials and ratings as sales materials. According to Wyzowl, 9 out of 10 people value what customers have to say about a company rather than what the company thinks about itself. And according to Spectoos, consumers are more likely to pay 31% more on a company that has positive consumer testimonials.

People trust feedback just as much as they trust personal endorsements from friends and family, but as long as you have outstanding customer service, you will benefit from good reviews online and include them in your numerous onsite and offsite advertising activities. This will prove that you care for your customers and at the same time endorsing your brand.

3. Create a Customer Service and Content Marketing Hybrid

According to The Center for Generational Kinetics, you can create an easy-to-navigate self-help video library. Begin by going through the most popular questions or issues that customers carry to you, and then make a short video that demonstrates how to resolve each one. This may include instructions on how to create an online account, upgrade a battery, or swap a previously purchased item.

Use informative titles for each video so that customers can type in a particular query and get tips that are important to their search. The most important thing is that the videos contain basic step-by-step instructions and can be watched on any mobile screen. If you want to take things a step further, ask your customers to submit their own how-to videos and award awards to the best. In that way, you can kill two birds with one stone.

These aren't the only ways to use customer support in a marketing sense, but they're among the most practical and efficient. 

You can use OneTalk by TapTalk.io to help you create great marketing content. One of their useful features is Case Detail. It allows you to know the history of your customers and help you to handle it at a later date. By doing so, you can collect your customers' frequently asked questions and then create an information base or FAQ forum. This feature also helps you find out how long a client has been waiting for a reply, their case history, the channel they use, and much more.

They also have another feature that can help you regarding the same issue. It’s called Topics. With this feature, you can separate cases according to the topics you have created. This helps you to navigate how many issues your customers have in common. You can also use it to customize the incoming case according to the right agent based on their respective department. This way, your customers can quickly be served by the right people.

Combining customer service and marketing results in enhanced organizational communications and clear messages through the business. If the two teams interact, the customer service department is aware of the exclusive deals or content that the marketing department is pushing and may direct customers to. Customer service as a marketing content encourages cross-departmental teamwork, which is just what you get when you incorporate it into your overall marketing strategy.

**For more information about OneTalk and SendTalk, do not hesitate to contact the team by WhatsApp or email!

3 Sales and Marketing Projections: What's In Store For the New Year

The sales industry was totally disrupted in 2020, and companies responded by rethinking how they develop, prepare, and grow new strategies. And like the previous year, 2021 will carry its own range of challenges and improvements. To prepare you for this year, we have some sales and marketing projection that might be useful for you

1. CMOs will be held responsible for the sales

Given their access to critical market and buyer data, CMOs play a particularly important role. CMOs can bridge the gap between marketing and sales by gathering the most valuable information for sales and providing it to them in an easily digestible format. Bridging the gap between the two will generate more revenue in the long run.

However, in this year, businesses will be under more pressure than ever before to increase revenue. It has infiltrated the re-evaluation of all operations with the goal of determining what actually raises the revenue. This means that everyone in a company is now responsible for revenue in some way.

Those who related in this area will be a part of marketing's shift from sales support to revenue accelerator.

2. The CRM is on borrowed time as we know it

The pandemic has accelerated digital transformation, such as the use of AI, bots, and others. Because your teams and buyers are now all remote, solutions must be built to operate online and rely on technology such as artificial intelligence to allow your teams to focus on revenue-generating tasks.

The CRM that we know is being phased out in favor of dynamic conversation models that aggregate data, infer conclusions, and require less human management. Because everything uses data and AI, it may result in job displacement.

But, there’s no need to be worried, displacement does not always imply destruction. While administrative tasks like email databasing and CRM data logging will be replaced by A.I., the result will be a complete reorganization of how we view work, resulting in new opportunities that require creativity, agility, critical thinking, and emotional intelligence that only a human can provide.

3. B2B Sales Culture has Changed

The pandemic has compelled B2B buyers and sellers to go fully digital. Prior to Covid-19, most salespeople relied on high-touch tactics to close deals. Such as business lunches, live entertainment, and plenty of face-to-face interaction. Even if you weren't dining, you were probably flying from one location to another for a one-hour meeting.

According to Mckinsey & Company, all of those traditional approaches will no longer work. It is because the pandemic has changed everything, which has forced a high-touch process to become digital-first. This has accelerated the third marketing era, in which brands must meet customers on their own terms and learn to close deals in a purely digital environment. Even if we are able to reassemble in a safe manner, there is no going back to the way things were.

Increased customer expectations, massive technological advancements, and the rise of omnichannel commerce are just a few of the sales trends reshaping the industry. 

According to Mckinsey survey, these pandemic-induced trends are expected to become permanent. It is clear that companies must consider how they will transform the in-store experience by utilizing emerging technologies and big data on customers. Customers want their shopping experience to be personalized in some way, and research shows that effective personalization can boost store revenues by 20-30%

To serve today's highly digital, well-informed customers, stores are increasingly expected to provide a wide range of omnichannel services, i.e., services that can be accessed through multiple channels. Many consumers, for example, use a variety of channels to gather product information before making a purchase.

As omnichannel shopping becomes the new norm, consumers and retailers must be prepared to provide fast, flawless omnichannel delivery. OneTalk by TapTalk.io is one of the omnichannel services that you can use. They provide many channels, such as WhatsApp, Telegram, Twitter, Line, and Facebook Messenger. The use of this technology has provided easier communication and sales transactions

With OneTalk, you can answer all chats from your customers on various platforms in one inbox. Your customers can buy, ask questions, and get answers online without any hassle by coming to your physical store. By doing so it will provide a much easier transaction because everything can be done online. Other than that, you can also monitor how your agents attend customers.

If 2020 has taught us something, it's that you never know what's around the corner, but these movements are all about being adaptable and easy to adjust. Hopefully, these projections can help you prepare for the year.

2021 business trends

It is a well-known fact that COVID-19 will change the world like never before. Businesses have spent most of the last year struggling to adjust to unusual circumstances. Although the battle against the COVID-19 pandemic has not yet been fought, with the vaccine in sight, there is at least a faint light at the end of the tunnel—along with the expectation that another train is not coming our way.

The year 2021 will be the year of transformation. In the absence of any unforeseen disasters, people, industries, and culture will begin to look forward to shaping their future rather than just running through the moment. The next normal thing is going to be different. It's not going to be going back to the terms that existed in 2019. In fact, just as the words "prewar" and "postwar" are widely used to define the 20th century, generations to come are expected to address the pre-COVID-19 and post-COVID-19 periods.

With 2020 closing by, small businesses are hopeful that 2021 will be a brighter year. While the pandemic has been front and centre since the beginning of last year, there are other developments on the horizon for entrepreneurs to watch as well.

2021 brings in a few business trends for small business entrepreneurs that you can try. Below is the list of some business trends that will bloom in 2021.

  1. COVID Credit-Card Rate Cuts

In the aftermath of the COVID-19 pandemic, consumers are paying a steep financial toll, and the Canadian Imperial Bank of Commerce (CIBC) is setting itself apart with its financial assistance for hard-hit clients. The bank launched the 'CIBC Pace It' initiative, which provides no fees and low interest on credit card transactions over $100, with installment plans now available. Multiple installment plans can be set up and handled, with payment periods ranging from six to 24 months and interest rates ranging from 5.99 percent to 7.99 percent a year.

  1. Pandemic Relief Banking Tools

Starling Bank, a British fintech firm, recently launched a new digital banking Toolkit as well as a US dollar account. The new tools were created in an attempt to assist British small and medium-sized business owners in managing their finances as the economy slowly recovers.

The new account allows business owners to spend directly in pounds and dollars with a single debit card, create, send and track invoices, automate expenses, record VAT, and connect with HMRC to submit VAT returns. Moreover, the account enables customers to upload bills and schedule payments to manage cash flow.

Starling Bank revealed that Toolkit will be free for the first three months for customers who sign up before July 31, 2020, to assist companies with their post-COVID recovery.

  1. Employer Health Testing Programs

In the aftermath of the COVID-19 pandemic, the grocer's healthcare division has unveiled the Kroger Health COVIDCare Plus initiative to assist companies and brands in returning to normal business operations. 

The COVID-19 Home Collection Kit, which allows an individual to conduct a self-administered test and communicate directly with a licensed healthcare professional for supervision, is at the core of the employer-focused program. The program seeks to improve a company's ability to have workers tested in order to prevent the spread of disease and provide them with peace of mind.

  1. Airline Rapid Testing Services

Many health authorities have now approved rapid COVID-19 testing, and companies are now considering offering it as a service to their customers. This makes sense for airlines, particularly because the outbreak has had such a significant effect on the industry.

According to Reuters, German airline Lufthansa has included rapid COVID-19 testing in their passenger kit. The test will be open to first-class and business-class passengers starting in October. This is due to the fact that test availability is limited.

  1. Meal Delivery Vouchers

Uber for Business recently announced the introduction of a new Uber Eats platform that allows companies to customize meal plans for their employees and consumers. The new vouchers can be used for anything from single lunches to 1,000-person virtual events. The program is managed through a dashboard that allows employers to tailor their employees' meal spending by setting start and end dates for vouchers, limiting the number of orders, and keeping existing features like ordering times and spending caps in place.

These granular offerings allow companies to easily meet the needs of both their workers and prospects as working from home becomes a future, even as economies slowly reopen.

  1. eCommerce Analytics Platforms

The 'Sellerium' platform seems to be a solution for eCommerce professionals that gives them access to a wide range of analytics that they can use to improve their company. Professionals will have access to tracking statistics for 20,000 vendor groups and more than 10 million items across the app, which will be used to control listening.Sellers can then adjust to the evolving demand to increase sales, or even pivot their current goods to cater to a particular customer need.

The 'Sellerium' platform will also provide a listing SEO review, which will look at the bullet points and details while also checking for any inconsistencies or inappropriate language.

  1. Online Tutoring Resources

Tutor Doctor, a prestigious tutoring company established in 2008 with over 90,000 highly trained tutors, has introduced new e-learning capabilities to assist families through the daunting changes of the "new standard."

The company caters to students of all ages, from elementary school to university, and helps them succeed in their studies.

Students are matched with a tutor based on their needs and given a "tailored learning plan suited just for them" by the new online tutoring resource, which provides the same attention and commitment as an in-person tutor.

Tutor Doctor is available in 16 countries, including the United States, Canada, United Kingdom, Ireland, Ecuador, Australia, Mexico, Chile, Costa Rica, Peru, Panama, Guatemala,Nigeria, Tunisia, South Africa, and Columbia.

  1. AI Development Bots

The 'Maya' AI business bot is a virtual solution for entrepreneurs that will assist them in automating some of their workflow in order to save time on unique tasks. The artificial intelligence (AI)-powered solution works by assisting with operations and R&D, allowing the entrepreneur to concentrate on the overall growth of the company. This could help them cut down on the amount of hours they spend coping with day-to-day activities, allowing them to concentrate their energy on more important tasks.

The 'Maya' AI business bot is one of an increasing number of AI-powered business solutions that help entrepreneurs spend less time on tasks that are necessary but not relevant.

  1. Delivery-Only Restaurant Chain Ventures

With the spread of COVID-19 keeping many people from eating out, the ghost kitchen would allow restaurant to serve customers in the area without having to invest in a costly physical venue. Customers can order from the ghost kitchen by going to their preferred participating app and selecting the things they want delivered.

In the United States, Red Lobster is expanding its menu to include a new ghost kitchen in Chicago, where customers will be able to order their favorite Red Lobster dishes from third-party delivery services such as UberEats, GrubHub, and Postmates, as well as DoorDash.

"Red Lobster places a high value on off-premise dining. In the two years leading up to COVID-19, we tripled our off-premise revenue, and we've tripled them again in the last eight months. The next logical step in growing our off-premise company is to open a ghost kitchen. It will allow us to reach out to new customers who are looking for great seafood and a hassle-free off-premise experience." CEO Kim Lopdrup said of the company.

  1. Omnichannel Customer Service

In this pandemic era, people are beginning to keep their relationship with customers close and smooth. Applying good quality customer service seems to be a priority in some cases. But for those who are having a hard time keeping those relationships with their customers because the high flow of the message coming to the company is too much, there is a solution.

The omnichannel messaging platform is all the hots for 2021. Omnichannel can integrate multiple messaging channels and put them on a Single Dashboard so you can see all the messages from all your messaging platforms.

This will be useful for business because you can also monitor your customer service agent when they work. But this all will be possible with a trusted omnichannel brand, OneTalk by TapTalk.io. 

OneTalk offers a good deal for you in turn of so many amazing features that could help your business. Starting from Real-Time Agent Activity Tracker that could track you agent performance, Disposition that can see the analytics of your interaction with customers, and you can even use WhatsApp Business API services without a hassle of the registration.

  1. WhatsApp Based OTP

With people trying to cut cost to all unnecessary spendings, using WhatsApp as a platform to send One-Time Password will be better in all accounts.There are a lot of proofs that said WhatsApp based OTP is more secure than that SMS-based OTP.

Many experts admit that sending an OTP code via WhatsApp is safer than using an SMS-based OTP. SendTalk offers more consistent delivery. A more conventional way of sending notifications via SMS or Call relies on a cellular signal. You can get faster delivery times via WhatsApp. No more problems with mobile providers.

With a lower cost compared to the SMS type OTP, SendTalk will be more profitable than the SMS-based OTP service. With SendTalk, imagine how much money you could save, instead of using an SMS-based OTP which costs from Rp350,00 to Rp500,00. The rates offered by SendTalk are certainly more affordable than SMS-based OTP.

The COVID-19 pandemic has wreaked havoc on the economy and on people's lives, and it's far from finished. However, with the launch of vaccines, it's possible to be cautiously hopeful that the new standard will emerge this year or next.

And we agree that normal could be better in certain ways. The changes we described—in efficiency, green development, medical innovation, and resiliency—could provide an enduring framework for the long term with good leadership from both businesses and governments.

**For more information about OneTalk and SendTalk, do not hesitate to contact the team by WhatsApp or email!

The Only Business Tips and Tricks You Need for Success

What are the steps to starting a business? There are thousands of websites, including ours, that provide checklists to remind you of the various tasks you must complete when starting a company. These checklists are simply To-Do lists, despite the fact that they are really helpful in helping you remember important startup steps. They tell you what to do, but they don't give you any advice on how to run a successful company.

Here are 16 Helpful Business Tips for starting and developing a company:

  1. Know yourself, your true motivational standard, the amount of money you're willing to lose, and the lengths to which you'll go to achieve success. 

Of course, we all want to make millions of dollars. But what are you willing to sacrifice in order to achieve that goal? How many hours a week will you work continuously? How far do you want to stretch outside your comfort zone? How far will your family grow with you? To be successful, keep your business plan in line with your personal and family goals and resources.

  1. Choose the right business for you. 

The old formula - find a need and meet it - still works. It will always work. The key to success is finding a need you can meet, that you want to meet, and that will generate enough income to build a profitable business.

  1. Make sure there is a market for what you are selling. 

One of the most common mistakes startups make is believing that a large number of customers will choose to buy a product or service simply because the owner of the company likes the idea or knows one or two people who did it. To minimize your risk of loss, never assume that a market exists. Research the idea. Talk to real prospects (who are not family and friends) to find out if what you are trying to sell is something they will be interested in, and if so, how much they will pay for the product or service.

If you want your company to be a long-term success, you can't afford to focus on a tiny customer base to get you there. If you depend so heavily on one or two clients, you will still be at risk of losing badly if you lose one of them. Ideally, you will have a broad client base covering different customers in a variety of industries and locations.

  1. Research your competition. 

You will face competition no matter what form of company you start or run. And if no one else is doing what you do, your potential buyer will almost certainly use a different product or service to meet their needs. To be successful, you need to research the competition and find out as much as you can about what they sell and how they sell it. Competitive research is something you should plan to do on an ongoing basis too. 

One of the other best business tips and tricks is always to plan ahead. You don't want to get caught up in the hop by changing market forces or by other issues that could have been anticipated and taken into account. Just by keeping an eye on the future, you can always remain in control of your own destiny.

  1. Plan to succeed. 

You don't need a complicated business plan if you're not looking to invest or invest a significant amount of money in your company, but you do need a plan - a plan that outlines your goals - your goals - and then establishes at least a road map outline for how you will get there. . Strategy will evolve as you gain a deeper understanding of your customers and competitors, but it will also help you stay focused and on the right track. To help create a basic plan, use our business planning worksheet.

  1. Know Your Operational Needs.

Most people who are thinking of starting a business focus on what they will sell and who they will also sell. What they often don't consider is how the business will actually operate. For example, if you sell an item, how is it delivered? How much customer support will be needed - either to answer a question about a product or to respond to a delivery person who hasn't arrived? Do you need to accept credit cards? Will you bill customers? Who will follow up to make sure you get paid? Even if you are starting a small personal service business, this is an issue that you should consider and plan for.

  1. Don't procrastinate. 

I have heard several people advise potential business owners not to continue with their business until they have investigated every last detail of the business they want to start and are absolutely certain it will be successful and profitable. The problem with that approach is that it leads to procrastination. Nobody really owns all the pieces - even after they've started their business. Yes, you need to research the market, have a rudimentary plan, and do things like getting a tax ID if needed, register with local officials, if needed, etc. But if you try to make everything perfect before launching, you may never be able to start your business at all.

  1. Start on a small scale before going all out. 

Some people believe that entrepreneurs are risk-takers. But for the most part, successful entrepreneurs don't like walking blindfolded. Instead, they take controlled risks. They test an idea on a small scale, then develop it

  1. Don't linger on or feel discouraged by the failures. 

The distinction between successful individuals and the rest of society is that successful people learn about their mistakes and move on. They don't dwell on their shortcomings, blame the economy, curse their poor luck, or put blame on others. If the path to their target is blocked, they attempt an alternative route or, in some situations, select a more attainable goal.

  1. Learn from others. 

Find a mentor, attend a like-minded community, learn all you can about the profession and how to get from where you are to where you want to be. Attend industry-related activities. When training opportunities arise, take advantage of them. Purchase expert-led courses. Even if you reach a certain level of success, you shouldn't stop looking for fresh new ideas that can take your business to the next level. You may be able to enter a new industry, use the latest technology, or simply take a new path to what you have always been doing. The most popular companies are still looking for fresh ideas and practical business tips and tricks they can use.

  1. Think about what you do as a business. 

Track income and expenses, keep business and personal money separate and find the rules your business must adhere to.

  1. Understand the difference between doing it for yourself and building a sustainable business.

If you want to start a business, then you need to develop systems and methods that will allow you to hire other people to do the project work according to your plans. You limit your growth potential if you don't get other people to work for you.

  1. Get to know the investors. 

If the business you're starting needs investors to grow, do your best to find out what investors are looking for and where to find who might invest in your type of business. Local owners and venture capital groups are a good place to start - attend the meetings they are hosting or the meetings investors are talking about. Get a promotion so that it can be used to attract investors if you get the chance.

  1. Put yourself out there.

Ask what you want (politely.) I started my online business by participating online at GEnie GE's online service. When I am ready to send them a proposal to run a small business area, I can not only talk about my credentials in general, but I can also point out the places where I have contributed their services. I became one of America Online's premier content providers because I picked up the phone and put on a cold call. I ended up with a new consulting agency after I had started a conversation with a woman sitting next to me on the plane. Remember, people love interacting with people they know. Start rolling the ball and keep it up by continuing to communicate and introduce yourself to new people.

  1. Use digital marketing. 

Even if you run a local business, you need an all-around digital presence. At a minimum, you need a website that looks professional, an email list that allows you to communicate with customers and prospects on a regular basis, and a presence on the social media channels your customers visit. 

If you just stand still then you open yourself up to the risk of others overtaking you. You can use social media to find new ideas and trends to follow. Consider using a social media tracking and monitoring tool to see what your customers and competitors are saying about you and the industry in general on social media.

  1. Never stop learning and try new things. 

What is profitable now is not necessarily profitable in the next year or 10 years from now. So don't let yourself fall into the "This is how I always do things" habit. Open your eyes and ears to new things. Are there newer or better ways to market your products and services? Are customers asking for something you don't offer? Are there different types of clients you should target? Get answers by reading everything you can about your industry and listening to your customers.

Doing those 16 tips sounds like a great hassle, is it? But, you don’t need to worry about how hard it is. You can actually make your business succeed by improving your customer service. By doing this, you develop a great relationship with your customer, and in turn, you can achieve loyal customers.

OneTalk by TapTalk.io is an omnichannel messaging solution that integrates multiple messaging platforms for your business. Using WhatsApp Business API with multiple agents and at the same time, integrating other messages in other platform is possible with OneTalk.

OneTalk takes the hassle out of answering your customers across multiple platforms because OneTalk provides a faster way to respond to your customers which can increase your future sales and marketing. With OneTalk, you can reach customers who work from home from various messenger applications and vice versa. Your customers and customers can shop and ask and answer online hassle-free with the OneTalk omnichannel from TapTalk.io.

Your business can runs smoothly and provides world-class service with our products. OneTalk is at your disposal, with just one dashboard for all your messenger accounts. Monitor messages from WhatsApp, Telegram, LINE and more, on one dashboard.

OneTalk removes the boundaries between different sales and marketing channels to create a complete and integrated whole. The differences between the channels on-site, social, mobile, email, physical, and instant messaging disappear when one customer view and one shopping experience appear.

pembajakan kode otp

Akun pribadi seringkali rentan untuk diretas, termasuk WhatsApp yang memiliki banyak pengguna. Whatsapp adalah salah satu aplikasi perpesanan populer yang digunakan oleh banyak orang di dunia. Dengan perkembangan teknologi yang semakin cepat dan semakin kompleks, terkadang terdapat kemungkinan bahwa seseorang dapat dengan mudah melakukan peretasan kepada akun pribadi Anda.

Kasus peretasan akun WhatsApp bisa saja terjadi pada siapa saja, apalagi jika pengguna tidak mengetahui bahaya tercurinya data pribadi atau nomor OTP (One Time Password) saat masuk ke dalam aplikasi.

Akun Whatsapp yang diretas memungkinkan orang lain mengetahui data pribadi Anda. Oleh karena itu, penting untuk mengetahui cara mengamankan data pribadi di aplikasi. Anda tidak perlu panik jika akun WhatsApp Anda diretas karena masih ada peluang untuk mendapatkannya kembali.

Belakangan ini terdapat banyak kasus pencurian akun WhatsApp dengan melakukan penipuan kepada pengguna di Indonesia agar memberikan enam digit kode One Time Password (OTP) yang dikirimkan melalui SMS (Short Message Service) menggunakan huruf India.

Dilansir dari situs resmi WhatsApp tentang bagaimana menangani akun yang dibajak oleh penipuan OTP melalui WhatsApp dapat dilakukan dengan mengirimkan pesan masalah ke alamat emailsupport@whatsapp.com.

Laporan tersebut mungkin berisi nomor telepon yang digunakan untuk WhatsApp, serta kronologi komprehensif dengan fakta tambahan seperti tangkapan layar akun dan masalah apa pun yang mungkin terjadi.

Setelah laporan dibuat, WhatsApp akan menonaktifkan akun atau deactive account tersebut. Anda harus mengaktifkan kembali akun WhatsApp Anda dalam waktu sekitar 24 jam. Mengaktifkan kembali akun Anda cukup mudah, Anda tinggal menginstall ulang atau re-install aplikasi WhatsApp di perangkat Anda, kemudian memasukkan nomor telepon Anda. Jika akun Anda dapat diakses, maka akun Anda dianggap sudah pulih. 

otp whatsapp

OTP atau One-Time Password yang menjadi kunci dari keamanan yang seringkali kita dengar adalah pesan singkat yang berisi kata sandi yang dibuat otomatis satu kali yang dikirim ke nomor ponsel terdaftar dari pengguna yang mengajukan permintaan. Teknologi ini mungkin merupakan mekanisme paling populer yang digunakan oleh perusahaan di seluruh dunia untuk memastikan bahwa permintaan masuk dibuat oleh orang yang berwenang.

Baca juga : Apakah OTP Whatsapp Bisa di Hack?

Token keamanan OTP adalah kartu pintar berbasis mikroprosesor atau key fobs berukuran saku yang menghasilkan kode numerik atau alfanumerik untuk mengotentikasi akses ke sistem atau transaksi. Kode rahasia ini berubah setiap 30 atau 60 detik, tergantung bagaimana token dikonfigurasi. 

OTP yang dikirimkan tidak boleh dibagikan ke siapapun. Modus pencurian OTP kian beragam. Beberapa waktu lalu, pengguna aplikasi Shopee dihubungi oleh nomor tidak dikenal atas alasan ingin diberikan hadiah undian Shopee dengan syarat menyebutkan kode OTP yang telah dikirimkan ke ponselnya. 

Tetapi, OTP juga bisa diretas dengan spyware yang ditanamkan di ponsel. Spyware ini secara tidak sadar akan ada dalam ponsel pengguna, yang kemungkinan didapatkan saat mengunduh file dari situs-situs yang tidak terpercaya. 

Selain itu, terdapat metode hacking lainnya yaitu SIM Swap. SIM swap merupakan metode hacking dimana pelaku mengontrol kartu SIM korban, sehingga semua akses SMS dan telepon dapat diketahui oleh pelaku. Dilansir dari laman kumparan, contoh terkenal dari metode ini adalah pencurian rekening bank.  Kasus tersebut bermula ketika pelaku berhasil menukar kartu SIM pengguna menjadi miliknya. Pengalihan kepemilikan kartu SIM tersebut memungkinkan pelaku membobol aplikasi m-banking dan mencuri uang dari Bank pengguna.

Bahaya Peretasan bagi Anda

Pencurian data adalah salah satu hasil peretasan yang paling sering terjadi. Peretas akan memiliki akses ke informasi rahasia di mesin mereka, termasuk nama pengguna dan kata sandi tambahan, nomor kartu kredit, catatan bisnis sensitif, atau informasi berguna lainnya.

Jika data yang dicuri berisi nama pengguna dan kata sandi tambahan, data yang dicuri dapat digunakan untuk meretas komputer tambahan. 

Jika data bank atau kartu kredit diretas, data tersebut juga dapat digunakan untuk merampok uang atau melakukan transaksi yang tidak sah. Jika Anda mencurigai bahwa nama pengguna dan kata sandi Anda telah dibobol, segera ubah nama pengguna dan kata sandi Anda. Selain itu, hubungi lembaga keuangan Anda jika informasi akun Anda tampak seperti telah disusupi.

Pencurian data bisa menjadi masalah serius bagi organisasi atau individu. Kehilangan informasi bisnis oleh pencuri dapat berarti hilangnya keunggulan kompetitif bagi perusahaan. Ini juga dapat menimbulkan konsekuensi hukum, jika data dilindungi oleh informasi milik pihak ketiga, seperti pelanggan. Jika komunikasi pribadi seperti pesan teks atau pesan email dicuri, itu juga bisa sangat memalukan bagi orang-orang yang terlibat, jika topik sensitif dibahas.

Peretasan bahkan dapat menyebabkan gangguan pada catatan digital atau bahkan peralatan fisik. Beberapa peretas dapat dengan sengaja merusak data untuk melukai target mereka. Dalam kasus lain, data sensitif dapat secara tidak sengaja rusak atau tidak disimpan karena gangguan oleh peretas atau alat peretas. Data juga dapat dienkripsi dan disimpan untuk tebusan dan dibuat tidak dapat digunakan jika peretas tidak dikenakan biaya. Dalam kasus yang jarang terjadi, peretas bahkan dapat menggunakan komputer yang mengendalikan perangkat lain untuk merusak perangkat keras atau peralatan fisik.

Cegah dan Tangani Peretasan

DIlansir dari CNN Indonesia, ada alternatif atau cara untuk mengatasi WhatsApp yang diretas. Memulihkan akun dari peretas cukup mudah. Pertama, uninstall atau hapus aplikasi WhatsApp dari ponsel Anda, kemudian instal kembali dan login seperti biasa.

Kemudian akan muncul verifikasi melalui SMS ke nomor handphone. Masukkan nomor verifikasi, maka akun WhatsApp akan kembali lagi. Tujuan verifikasi adalah kode OTP dikirim melalui SMS langsung ke nomor ponsel pengguna. Ini tidak memungkinkan peretas atau peretas untuk mendeteksi kata sandi.

Jika setelah memasukkan kode OTP Anda sudah bisa masuk ke akun WhatsApp sebelumnya, segera lakukan tindakan pencegahan lainnya dengan menggunakan akses PIN. Tak hanya itu, perlindungan tambahan lain agar WhatsApp tidak berpindah ke peretas adalah dengan mengaktifkan fitur verifikasi dua langkah.

Saat mengaktifkan verifikasi dua langkah, pengguna WhatsApp akan diminta memasukkan PIN enam digit untuk pendaftaran.

PIN rahasia dalam verifikasi dua langkah berfungsi sebagai kunci akses, jika suatu saat pengguna mengganti ponselnya. Verifikasi dua langkah ini cukup aman dari peretas.

Untuk pengembalian akun WhatsApp yang di-hack oleh pengguna yang tidak bertanggung jawab ini, prosesnya terbilang cepat, selama korban hacking segera menghubungi help center dan laporannya.

Proses penyelesaian akun WhatsApp yang diretas biasanya ditangani oleh tim WhatsApp khusus untuk melacak peretas atau pelakunya. Namun jangan khawatir, karena tim pendeteksi tidak dapat membaca konten pesan pengguna tersebut.

OTP Whatsapp

Seperti yang baru-baru ini dijelaskan melalui siaran pers, WhatsApp mengatakan bahwa mereka menerapkan sistem enkripsi end-to-end, artinya sistem enkripsi end-to-end ini tidak dapat dideteksi bahkan oleh tim WhatsApp. Bahkan peretas tidak akan bisa mengaksesnya.

Selain cara memulihkan akun saat terjadi peretasan, Anda juga harus memahami cara untuk mencegah agar hal itu tidak terjadi. Berikut cara-cara untuk menghindari peretasan pada ponsel Anda:

Selain langkah-langkah di atas, menggunakan SendTalk sebagai salah satu pengirim kata sandi OTP berbasis WhatsApp dapat menjadi jawaban atas faktor keamanan aplikasi Anda. 

OTP WhatsApp adalah jenis OTP yang menggunakan aplikasi over the top atau OTT. Penggunaan OTP dengan cara ini unggul karena efisiensi dan keamanan yang lebih baik daripada OTP melalui SMS. Menggunakan aplikasi OTT membuat pengiriman OTP menjadi lebih efisien.

Penggunaan aplikasi OTT sebagai platform pengiriman OTP terbukti efisien dan memakan biaya yang rendah. Salah satunya dengan menggunakan SendTalk by TapTalk.io. Penyedia jasa OTP berbasis WhatsApp ini menawarkan keuntungan yang sangat baik dibanding jasa penyedia OTP lainnya yang berbasis SMS.

SendTalk adalah merek OTP berbasis WhatsApp pertama di Indonesia yang dibuat oleh anak bangsa. Dengan memanfaatkan messenger seperti WhatsApp, layanan OTP ditawarkan dengan biaya yang lebih murah dan memiliki keamanan yang lebih tinggi dibandingkan menggunakan telepon atau SMS.

Baca juga : Perbedaan Antara OTP SMS dan OTP WhatsApp

Banyak pakar yang mengakui bahwa mengirim kode OTP lewat WhatsApp lebih aman daripada menggunakan OTP berbasis SMS. SendTalk menawarkan pengiriman yang lebih konsisten. Cara yang lebih konvensional untuk mengirim notifikasi melalui SMS atau Panggilan mengandalkan sinyal seluler. Anda bisa mendapatkan waktu pengiriman lebih cepat melalui WhatsApp. Tidak ada lagi masalah dengan penyedia seluler.

Dengan biaya yang lebih murah dibandingkan dengan OTP jenis SMS, SendTalk akan lebih menguntungkan dibandingkan dengan layanan OTP berbasis SMS. Dengan SendTalk, bayangkan berapa banyak uang yang bisa Anda hemat, daripada menggunakan OTP berbasis SMS yang harganya berkisar Rp.350,00 hingga Rp500,00. Tarif yang ditawarkan SendTalk tentunya lebih terjangkau dibandingkan OTP berbasis SMS.

sendtalk

Keunggulan WhatsApp OTP dengan SendTalk

SendTalk menawarkan beberapa keunggulan dalam fitur-fiturnya, yaitu:

1. Pengiriman yang Konsisten

Cara yang lebih konvensional untuk mengirim pemberitahuan melalui SMS atau Panggilan bergantung pada sinyal seluler. Anda bisa mendapatkan waktu pengiriman yang lebih cepat melalui WhatsApp. Tidak ada lagi masalah dengan penyedia seluler.

2. Biaya lebih rendah

Harganya lebih murah dari SMS atau telepon. Karena mengandalkan kekuatan sinyal data Anda, biaya untuk OTP berbasis WhatsApp milik SendTalk ini lebih hemat. Berapa banyak yang bisa Anda hemat setiap tahun? Periksa kalkulator tabungan kami untuk memperkirakan biaya Anda.

3. Berikan Kepercayaan & Keamanan

Lebih aman daripada SMS atau panggilan, sulit untuk membuat akun 'palsu' karena Anda dapat memiliki status pengiriman WhatsApp, meningkatkan kepercayaan dari pengguna.

4. Perkuat otentikasi, kurangi penipuan,

Kirim OTP (One-Time Password) dan pemberitahuan ke pengguna Anda

5. Otentikasi Pengguna

Lindungi akun pengguna akhir dengan mengautentikasi pengguna baru & upaya masuk.

6. Verifikasi Transaksi

Mengamankan pembayaran dan mengkonfirmasi pembelian secara real-time untuk mengurangi penipuan.

7. Pemberitahuan & Peringatan

Mengirimkan pemberitahuan seperti aktivitas akun, pengingat janji, konfirmasi pembelian, pemberitahuan pengiriman, bahkan peringatan kepada pengguna Anda.Jika Anda menginginkan sistem OTP dengan keamanan yang lebih baik, tunggu apa lagi? Tertarik Menggunakan SendTalk Sebagai WhatsApp OTP?

WhatsApp memang sudah menjadi salah satu aplikasi yang sering menjadi sasaran peretasan. Sangat mudah untuk menemukan tanda-tanda peretasan WhatsApp itu sendiri. Tanda-tanda pembajakan seseorang di WhatsApp adalah ketika mereka keluar dari akunnya tanpa alasan.

Meskipun mudah untuk menemukan tanda-tanda seseorang dibajak di WhatsApp, ada baiknya agar Anda mencegah peretas untuk meretas akun Anda. Untuk mencegah peretasan, Anda perlu mengetahui metode mana yang digunakan oleh peretas untuk membajak akun WhatsApp kita. Satu-satunya cara akun WhatsApp kita bisa di-hack oleh seseorang adalah saat peretas mengetahui kode OTP milik kita.

Akun pengguna masih dapat diretas meskipun mereka tidak memberi tahu token OTP. Hal tersebut memungkinkan, jika hacker telah menanamkan spyware di smartphone yang Anda gunakan. Spyware adalah cara para hacker menemukan kode OTP Anda. Namun, spyware bukanlah satu-satunya cara bagi peretas untuk menemukan kode tanpa sepengetahuan Anda.

Selain melalui spyware, WhatsApp Anda juga rentan di hack melalui beberapa cara lainnya, yaitu Pegasus, salah satu varian dari spyware yang sering digunakan untuk melakukan peretasan pada tokoh-tokoh penting seperti pejabat, pebisnis, dan aktivis, Call forwarding, yaitu pengalihan panggilan dari satu nomor telepon ke nomor telepon lainnya, dan SIM Swap.

Salah satu konsekuensi paling umum dari peretasan adalah pencurian data. Peretas akan mendapatkan akses ke komputer untuk mencuri informasi sensitif, termasuk nama pengguna dan kata sandi tambahan, nomor kartu kredit, data perusahaan yang sensitif, atau informasi berharga lainnya.

Jika data yang dicuri menyertakan nama pengguna dan kata sandi tambahan, data yang dicuri dapat digunakan untuk membobol komputer tambahan. Jika data bank atau kartu kredit dicuri, itu juga dapat digunakan untuk mencuri uang atau melakukan pembelian yang curang. Jika menurut Anda nama pengguna dan sandi Anda telah dicuri, segera ubah nama pengguna dan sandi. Selain itu, hubungi lembaga keuangan jika informasi akun Anda tampak seolah-olah telah disusupi.

Pencurian data bisa menjadi masalah serius bagi organisasi atau individu. Kehilangan informasi bisnis oleh pencuri dapat berarti hilangnya keunggulan kompetitif bagi perusahaan. Ini juga dapat membawa konsekuensi hukum, jika data tersebut dilindungi informasi milik pihak ketiga, seperti pelanggan. Jika komunikasi pribadi seperti pesan teks atau pesan email dicuri, ini juga bisa sangat memalukan bagi orang-orang yang terlibat, jika topik sensitif dibahas.

Efek peretasan juga dapat mencakup kerusakan data digital atau bahkan peralatan fisik. Beberapa peretas mungkin dengan sengaja menghancurkan data untuk merugikan target mereka. Dalam kasus lain, data berharga mungkin tidak sengaja rusak atau tidak disimpan, karena gangguan dari peretas atau perangkat lunak yang digunakan peretas. Data juga dapat dienkripsi dan disimpan untuk tebusan dan dianggap tidak dapat digunakan, jika peretas tidak dibayar. Dalam kasus yang jarang terjadi, peretas bahkan dapat menggunakan komputer yang mengontrol perangkat lain untuk merusak perangkat keras atau peralatan fisik.

Ini cara-cara menghindari peretasan di ponsel Anda:

Menggunakan SendTalk sebagai salah satu pengirim sandi OTP berbasis WhatsApp mungkin adalah jawaban dari faktor keamanan aplikasi Anda. SendTalk merupakan brand OTP berbasis WhatsApp pertama di Indonesia yang dibuat oleh anak bangsa. Dengan memanfaatkan messenger seperti WhatsApp, jasa OTP yang ditawarkan dengan biaya lebih rendah  dan memiliki keamanan yang lebih tinggi dibanding menggunakan telepon atau SMS.

Banyak ahli sudah mengakui kalau mengirim kode OTP melalui WhatsApp lebih aman daripada menggunakan OTP berbasis SMS. SendTalk menawarkan pengiriman yang lebih konsisten. Cara yang lebih konvensional untuk mengirim pemberitahuan melalui SMS atau Panggilan bergantung pada sinyal seluler. Anda bisa mendapatkan waktu pengiriman yang lebih cepat melalui WhatsApp. Tidak ada lagi masalah dengan penyedia seluler.

Dengan biaya yang lebih hemat dibanding OTP jenis SMS, SendTalk akan lebih menguntungkan dibanding jasa OTP berbasis SMS. Dengan SendTalk, bayangkan berapa banyak uang yang bisa Anda hemat, daripada menggunakan OTP berbasis SMS yang harganya sekitar Rp350,00 hingga Rp500,00. Tarif yang ditawarkan SendTalk tentunyalebih terjangkau dibandingkan OTP berbasis SMS.

Untuk itu, jangan ragu untuk menghubungi hubungi kami via email dan agent kami via WhatsApp  untuk mengetahui lebih lanjut mengenai SendTalk, kami akan menantikan Anda.

Baca juga : Waspada Pembajakan whatsapp kote otp dan cara mengatasi

OTP atau One-Time Password, SMS adalah pesan singkat yang berisi kata sandi yang dibuat otomatis satu kali yang dikirim ke nomor ponsel terdaftar dari pengguna yang mengajukan permintaan. Teknologi ini mungkin merupakan mekanisme paling populer yang digunakan oleh perusahaan di seluruh dunia untuk memastikan bahwa permintaan masuk dibuat oleh orang yang berwenang.

perbedaan antara otp sms dan otp whatsapp

Token keamanan OTP adalah kartu pintar berbasis mikroprosesor atau key fobs berukuran saku yang menghasilkan kode numerik atau alfanumerik untuk mengotentikasi akses ke sistem atau transaksi. Kode rahasia ini berubah setiap 30 atau 60 detik, tergantung bagaimana token dikonfigurasi. 

Aplikasi perangkat seluler, seperti Google Authenticator, mengandalkan perangkat token dan PIN untuk menghasilkan kata sandi satu kali untuk verifikasi dua langkah. Token keamanan OTP dapat diimplementasikan menggunakan perangkat keras, perangkat lunak, atau sesuai permintaan. Tidak seperti kata sandi tradisional yang tetap statis atau kedaluwarsa setiap 30 hingga 60 hari, kata sandi satu kali digunakan untuk satu transaksi atau sesi login.

Dengan cara ini, dipastikan bahwa orang yang masuk ke akunnya diberi wewenang oleh pemegang akun, untuk mendapatkan akses ke sana.

Sebagian besar transaksi online memerlukan otentikasi dua langkah, dan One-Time-Password (OTP) yang dikirim melalui SMS seringkali merupakan salah satu dari dua langkah tersebut. Tujuan dari OTP adalah untuk mencegah penipuan dengan memastikan bahwa orang yang melakukan transaksi dan pemilik kartu kredit adalah orang yang sama. Untuk melakukannya, kode sementara secara otomatis dikirim melalui SMS ke nomor telepon yang terkait dengan rekening bank yang digunakan.

Sedangkan, OTP berbasis WhatsApp memiliki sistem yang sama, hanya saja memiliki platform distribusi password yang berbeda, yaitu dengan menggunakan WhatsApp daripada SMS.

Pengiriman OTP berbasis aplikasi kini mulai digrandrungi. Sebab, sistem ini terbukti menjadi lebih aman dibanding menggunakan OTP berbasis SMS. Pengiriman OTP berbasis aplikasi seperti WhatsApp dapat mengurangi risiko karena waktu operasi yang singkat dan OTP dihasilkan pada perangkat pengguna tanpa bergantung pada Kartu SIM.

Pro dan Kontra OTP SMS

Penggunaan OTP tentu saja memastikan pengguna adalah ia yang berhak mengakses aplikasi tertentu. Menggunakan OTP memastikan keamanan pengguna terjamin dan aman. Tetapi, OTP SMS adalah jenis OTP yang paling lemah dari semua jenis OTP.

Tidak adanya enkripsi pada SMS membuatnya rentan disadap dan ketergantungannya terhadap jaringan operator juga dapat disadap karena secara teknis mungkin dilakukan jika celah keamanannya dieksploitasi. Selain itu, SMS terikat pada nomor telepon tertentu, hal ini membuatnya mudah diidentifikasi oleh penipu jika ingin melakukan rekayasa sosial. 

Selain faktor keamanan, faktor biaya sekarang juga menjadi pertimbangan karena OTP menggunakan apliaksi terbukti dapat mengurangi biaya yang cukup signifikan. OTP berbasis SMS memiliki harga yang lebih tinggi dibanding OTP berbasis aplikasi seperti WhatsApp

Saat terjadi kasus kejahatan SIM Swap beberapa waktu lalu, penggunaan OTP jenis SMS menjadi semakin dipertanyakan. Mungkin ini adalah saat yang tepat untuk mempertimbangkan menggunakan OTP WhatsApp.

Pro dan Kontra OTP WhatsApp

OTP WhatsApp adalah jenis OTP yang menggunakan aplikasi over the top atau OTT. Penggunaan OTP dengan cara ini unggul karena efisiensi dan keamanan yang lebih baik daripada OTP melalui SMS. Menggunakan aplikasi OTT membuat pengiriman OTP menjadi lebih efisien.

Penggunaan apliaksi OTT sebagai platform pengiriman OTP terbukti efisien dan memakan biaya yang rendah. Salah satunya dengan menggunakan SendTalk by TapTalk.io. Penyedia jasa OTP berbasis WhatsApp ini menawarkan keuntungan yang sangat baik dibanding jasa penyedia OTP lainnya yang berbasis SMS.

Apa Saja Kelebihan OTP WhatsApp dengan menggunakan SendTalk:

  1. Pengiriman yang konsisten
  2. Biaya Rendah
  3. Berikan kepercayaan dan keamanan
  4. Perkuat Otentikasi, kurangi penipuan
  5. Otentikasi Pengguna
  6. Verifikasi Transaksi
  7. Pemberitahuan dan Peringatan

SendTalk Aplikasi OTP WhatsApp Karya Anak Bangsa Indonesia

SendTalk merupakan brand pionir OTP berbasis WhatsApp pertama yang dibuat oleh anak bangsa di Indonesia. Melalui penggunaan messenger seperti WhatsApp, layanan OTP dikirimkan dengan tarif yang lebih murah daripada melalui ponsel atau SMS.

Segmentasi pasar terbaik untuk menggunakan layanan ini adalah perusahaan digital di Indonesia, jaringan broadband, e-commerce, aplikasi on-demand, serta pengecer online.

Saat menggunakan SendTalk, pikirkan berapa banyak yang bisa Anda hemat dengan menggunakan katering OTP berbasis SMS, yang biayanya sekitar Rp350,00 hingga Rp500,00. Pastinya, biaya yang diberikan SendTalk lebih mudah diakses melalui OTP berbasis SMS.

SendTalk dapat digunakan melalui 2 cara yaitu:

1. Pengiriman OTP menggunakan SendTalk API

Dengan menggunakan SendTalk API, aplikasi Anda ataupun sistem Anda dapat mengirimkan pesan yang mengandung OTP secara langsung, cukup gunakan API kami dari sistem Anda, maka secara otomatis pesan akan terkirim ke nomor pelanggan melalui WhatsApp.

2. Pengiriman OTP menggunakan SendTalk Dashboard

Anda juga dapat melakukan pengiriman pesan, baik itu OTP maupun pesan notifikasi lainnya melalui menu Send Message yang ada di Dashboard SendTalk, cukup login ke Dashboard SendTalk maka Anda dapat mengirimkan pesan ke nomor pelanggan melalui dashboard kami, ini bisa menjadi alternatif jika Anda ingin melakukan pengiriman pesan ke beberapa pengguna saja tanpa perlu menunggu pengiriman dari sistem Anda.

Untuk lebih jelasnya, silakan hubungi kami via email dan agent kami via WhatsApp dengan senang hati menjawab semua pertanyaan Anda.

Pernahkah Anda mendengar istilah OTP atau One-Time Password? Istilah ini kini sering terdengar di masyarakat sebagai salah satu hal wajib untuk menjaga keamanan dalam melakukan aktivitas di gawai. One-Time Password (OTP) adalah string karakter numerik atau alfanumerik yang dibuat secara otomatis yang mengotentikasi pengguna untuk satu transaksi atau sesi login.

otp whatsapp

Apa Itu One Time Password (OTP)?

OTP lebih aman daripada kata sandi statis, terutama kata sandi yang dibuat pengguna, yang mungkin lemah dan / atau digunakan kembali di banyak akun. OTP dapat menggantikan informasi login otentikasi atau dapat digunakan sebagai tambahan untuk menambah lapisan keamanan.

One-Time Password menghindari kesalahan umum yang dihadapi administrator IT dan manajer keamanan dengan keamanan kata sandi. Mereka tidak perlu khawatir tentang aturan komposisi, kata sandi yang diketahui buruk dan lemah, berbagi kredensial atau penggunaan kembali kata sandi yang sama di banyak akun dan sistem. Keuntungan lain dari kata sandi sekali pakai adalah menjadi tidak valid dalam hitungan menit, yang mencegah penyerang mendapatkan kode rahasia dan menggunakannya kembali.

Teknologi ini mungkin merupakan mekanisme paling populer yang digunakan oleh perusahaan di seluruh dunia untuk memastikan bahwa permintaan login telah dibuat oleh orang yang berwenang. Sangat mudah menggunakan layanan SMS OTP. Segera setelah pengguna memasukkan nama pengguna dan kata sandi untuk login, SMS OTP dikirim ke ponsel mereka. 

SMS ini berisi kode, biasanya empat hingga enam digit dan hanya berlaku untuk satu kali penggunaan, dan pengguna diharuskan memasukkan kode ini secepat mungkin (dalam banyak kasus, OTP kedaluwarsa dalam satu menit dan pengguna harus membuat yang baru) ke dalam ruang yang diberikan untuk melanjutkan proses masuk.

Jika Anda menjalankan situs web yang menyimpan informasi sensitif pengguna, sebaiknya gunakan teknologi verifikasi SMS OTP karena sangat murah dan menawarkan keamanan tambahan bagi pemegang akun Anda. Pelanggan Anda adalah penerima manfaat terbesar dari teknologi OTP, seperti yang mereka rasakan lebih yakin bahwa data mereka aman dan terlindungi dengan baik dari peretas. 

Tapi, bisnis Anda juga mendapat manfaat dari teknologi OTP. Memiliki otentikasi dua langkah di situs web Anda menunjukkan kepada pelanggan Anda bahwa Anda peduli tentang melindungi informasi pribadi mereka. Selain itu, karena seluruh proses verifikasi SMS OTP hanya membutuhkan beberapa detik untuk diselesaikan, tidak menimbulkan ketidaknyamanan bagi pengguna saat mereka masuk.

Menurut beberapa ahli, pengiriman OTP berbasis aplikasi kini mulai digrandrungi. Sebab, sistem ini terbukti menjadi lebih aman dibanding menggunakan OTP berbasis SMS. Pengiriman OTP berbasis aplikasi seperti WhatsApp dapat mengurangi risiko karena waktu operasi yang singkat dan OTP dihasilkan pada perangkat pengguna tanpa bergantung pada Kartu SIM.

Salah satu penyedia jasa OTP yang dapat dipercaya adalah SendTalk by TapTalk.io. Meskipun terbilang baru, SendTalk mulai membuktikan kepiawaiannya dengan menyediakan jasa OTP berbasis WhatsApp dengan harga yang terjangkau dibanding dengan OTP berbasis SMS.

Keunggulan SendTalk sebagai jasa OTP WhatsApp

Berikut ini adalah keunggulan dari SendTalk, dibanding dengan sistem OTP  lainnya:

1. Pengiriman yang konsisten

Cara yang lebih konvensional untuk mengirim pemberitahuan melalui SMS atau Panggilan bergantung pada sinyal seluler. Anda bisa mendapatkan waktu pengiriman yang lebih cepat melalui WhatsApp. Tidak ada lagi masalah dengan penyedia seluler.

2. Biaya rendah

Harganya lebih murah dari SMS atau telepon. Karena mengandalkan kekuatan sinyal data Anda, biaya untuk OTP berbasis WhatsApp milik SendTalk ini lebih hemat. Berapa banyak yang bisa Anda hemat setiap tahun? Periksa kalkulator tabungan kami untuk memperkirakan biaya Anda.

3. Berikan kepercayaan & keamanan

Lebih aman daripada SMS atau panggilan, sulit untuk membuat akun 'palsu' karena Anda dapat memiliki status pengiriman WhatsApp, meningkatkan kepercayaan dari pengguna.

4. Perkuat otentikasi, kurangi penipuan,

Kirim OTP (One-Time Password) dan pemberitahuan ke pengguna Anda

5. Otentikasi Pengguna

Lindungi akun pengguna akhir dengan mengautentikasi pengguna baru & upaya masuk.

6. Verifikasi Transaksi

Mengamankan pembayaran dan mengonfirmasi pembelian secara real-time untuk mengurangi penipuan.

7. Pemberitahuan & Peringatan

Mengirimkan pemberitahuan seperti aktivitas akun, pengingat janji, konfirmasi pembelian, pemberitahuan pengiriman, bahkan peringatan kepada pengguna Anda.

Langkah Langkah Menggunakan OTP berbasis WhatsApp

Langkah-langkah menggunakan OTP berbasis WhatsApp dari SendTalk ini juga mudah dan dapat dilakukan dengan langkah sederhana, yaitu:

SendTalk merupakan brand pioner OTP berbasis WhatsApp pertama di Indonesia yang dibuat oleh anak bangsa. Dengan memanfaatkan messenger seperti WhatsApp, jasa OTP yang ditawarkan dengan biaya lebih rendah dari menggunakan telepon atau SMS

Segmentasi bisnis yang tepat untuk menggunakan jasa ini adalah Bisnis di Indonesia yang Go Digital, Penyedia Telekomunikasi, e-commerce, on-demand application, serta dealer dan online dealer.

Perbandingan Biaya OTP SMS dan OTP WhatsApp

Dengan menggunakan SendTalk, bayangkan berapa banyak biaya yang dapat Anda simpan, ketimbang dengan menggunakan OTP berbasis SMS yang memakan biaya sekitar Rp350,00 hinga Rp500,00. Biaya yang ditawarkan oleh SendTalk tentu lebih terjangkau daripada OTP berbasis SMS yaitu Rp75,00 per message yang dikirimkan.

Menggunakan SendTalk untuk OTP WhatsApp

SendTalk dapat digunakan melalui 2 cara yaitu:

1. Pengiriman OTP menggunakan SendTalk API

Dengan menggunakan SendTalk API, aplikasi Anda ataupun sistem Anda dapat mengirimkan pesan yang mengandung OTP secara langsung, cukup gunakan API kami dari sistem Anda, maka secara otomatis pesan akan terkirim ke nomor pelanggan melalui WhatsApp.

2. Pengiriman OTP menggunakan SendTalk Dashboard

Anda juga dapat melakukan pengiriman pesan, baik itu OTP maupun pesan notifikasi lainnya melalui menu Send Message yang ada di Dashboard SendTalk, cukup login ke Dashboard SendTalk maka Anda dapat mengirimkan pesan ke nomor pelanggan melalui dashboard kami, ini bisa menjadi alternatif jika Anda ingin melakukan pengiriman pesan ke beberapa pengguna saja tanpa perlu menunggu pengiriman dari sistem Anda.

Untuk lebih jelasnya, silakan hubungi kami via email dan agent kami via WhatsApp dengan senang hati menjawab semua pertanyaan Anda.

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