Recherche avancée

Sur d’autres sites (6690)

• The Ultimate Guide to HeatMap Software

  20 septembre 2021, par Ben Erskine — Analytics Tips, Plugins, Heatmaps

  One of the most effective ways to improve the user experience on your website is to use heatmap software. As well as in-depth insight on how to improve your website and funnels, user behaviour analytics complement traditional web metrics with insights from your customers’ point of view. 

  Heatmap software shows actual user behaviour. That means that you have a visual representation of why a customer might not be converting instead of guessing. 

  By tracking clicks, mouse movement, and page scrolling as well as analysing above the fold content engagement and overall session recordings, heatmap software helps improve user experience and therefore customer retention and conversions.  

  

  What is heatmap software ?

  Heatmap software is a data visualisation tool that uses colour to show what actions a user is taking on a website. 

  If there is a design element on a page that many users engage with, it will show as red/hot. For elements that are less engaging, it will show on the analysis as blue/cold. 

   

  Heatmap software like Matomo helps businesses to improve user experience and increase conversions by tracking elements such as :

  • Flow through sales funnels 
  • Individual session recordings for user experience 
  • A/B page comparisons 
  • Form analytics for sign ups and conversions 
  • Media interaction such as instruction or sales videos
  • Clicks on important links and information 

  Using data visualisation software like a heatmap provides more in-depth data when combined with standard website metrics. 

  What is heatmap software used for ?

  Heatmap software tracks website user behaviour to improve website performance and increase conversions. 

  Heatmaps can show you a detailed analysis of : 

  • Where visitors are clicking (or not clicking) 
  • Where visitors are hovering with their mouse
  • How far users are scrolling or stopping 
  • Where the focus is above the fold 
  • What roadblocks or frictions customers are facing in the sales funnel

  Analysing activity on your website and across channels from your customers point of view is critical in developing a customer-centric business model. 

  This is because heatmaps not only show you what customers are doing but why they are doing it. 

  Heatmap software is ideal for businesses updating and redesigning websites. It also helps to answer important growth questions such as “how can we improve our user experience ?” and “why is our sales funnel not converting better ?”. 

  The benefits of using data visualisation like heatmaps for your website

  Heatmaps are critical for improving websites because they drastically improve customer experience. 

  Customer experience is one of the most important factors in modern business success. A Walker study found that customer experience is one of the biggest differentiators between brands, overtaking other factors such as price. 

  Where straightforward website metrics show customers left a page without action, data visualisation and session recordings show what happens in between them arriving and leaving. This gives web developers and marketers invaluable insights to improve website design and ultimately increase conversions. 

  How heatmap software improves your website and conversions

  There are a few key ways that heatmap software boosts website performance and conversions. All of them focus on both creating a seamless buyer journey and using data to improve results over time. 

  How heatmap software improves conversions ; 

  • By improving UX and usability– 70% of online businesses fail due to bad usability. Heatmaps identify user frustrations and optimise accordingly 
  • By improving content structure – Heatmaps take the guesswork out of design layout and content structure by showing real visitor experiences on your website 
  • By comparing A/B landing pages – Using heatmaps on alternate landing pages can show you why conversions are working or not working based on user activity on the page
  • By optimising across devices – See how your visitors are interacting with your content to learn how well optimised your website is for various devices and remove roadblocks 

  Heatmap analytics you need to improve website user experience

  Click heatmap

  Click heatmaps are useful for two key reasons.

  Firstly, it shows where website users are clicking. 

  Heatmaps that show clicks give you a visual representation of whether copy and CTA links are clear from the customers’ point of view. It can also show whether a customer is clicking on a design feature that doesn’t link anywhere. 

  Secondly, it shows where website users are not clicking. This is just as important when developing funnels and improving user experiences.

  For example, you may have a CTA button for a free trial or purchase. A click heatmap analysis would show if this isn’t clicked on mobile devices and informs developers that it needs to be more mobile-friendly.

  

  Mouse move or hover heatmap

  Like a click heatmap, a mouse hover heatmap shows how you can improve the overall user experience.

  For example, hover heatmaps identify where your visitors engage on a particular webpage. Ideally, of course, you want them to engage with CTAs. Analysing their mouse movements or where they are hovering for more information gives you an indication of any page elements that are distracting them or not working.

  

  Scroll heatmap

  A scroll heatmap uses colours to visualise how far down in a page your visitors scroll. For most web pages, the top will have the most impressions and will naturally get less views (i.e. get “colder” on the heatmap) further down the page. 

  This lets you find out if there is important content positioned too far down the page or if the page is designed to encourage users to keep scrolling.

  No matter how good your product or service is, it won’t convert if potential customers aren’t engaged and scrolling far enough to see it.

  

  Above the fold analysis 

  Above the fold is the content that a visitor sees without scrolling. 

  In a heatmap, the “Average Above the Fold” line will show you how much content your visitors see on average when they open your page. It also shows whether the page design is engaging, whether it encourages visitors to keep scrolling, and whether important information is too far down the page and therefore being missed. 

  Above the fold analysis is arguably the most important as this is the section that the highest number of traffic will see. Using this information ensures that the right content for conversion is seen by the highest number of visitors. 

  

  Session recording

  Session Recording lets you record a real visitor session, so you can see clicks, mouse movements, scrolls, window resizes, page changes, and form interactions all in one. 

  They allow you to understand the experience from the point of view of your visitor and then optimise your website to maximise your success.

  Heatmap software like Matomo takes this one step further and allows you to gather session recordings for individual segments. By analysing sessions based on segments, you can further personalise and optimise based on customer history and patterns.

  

  Final thoughts on heatmap software 

  Heatmap software improves your user experience by easily spotting critical issues that you can then address. 

  As well as that, heatmap analytics like clicks, mouse movement, scroll, above the fold analysis and session recordings increase your marketing ROI by making the most of your existing traffic. 

  It’s a win-win ! 

  Now that you know what heatmap software is, the benefits of using heatmaps on your website and how it can improve your user experience, check out this user guide on heatmap analytics. 

• Open Banking Security 101 : Is open banking safe ?

  3 décembre 2024, par Daniel Crough — Banking and Financial Services

  Open banking is changing the financial industry. Statista reports that open banking transactions hit $57 billion worldwide in 2023 and will likely reach $330 billion by 2027. According to ACI, global real-time payment (RTP) transactions are expected to exceed $575 billion by 2028.

  Open banking is changing how banking works, but is it safe ? And what are the data privacy and security implications for global financial service providers ?

  This post explains the essentials of open banking security and addresses critical data protection and compliance questions. We’ll explore how a privacy-first approach to data analytics can help you meet regulatory requirements, build customer trust and ultimately thrive in the open banking market while offering innovative financial products.

   

  

  

  EU Financial Services Analytics Maturity Report

  Discover trends, strategies, and opportunities to balance compliance and competitiveness.

  Download the report now

  What is open banking ?

  Open banking is a system that connects banks, authorised third-party providers and technology, empowering customers to securely share their financial data with other companies. At the same time, it unlocks access to more innovative and personalised financial products and services like spend management solutions, tailored budgeting apps and more convenient payment gateways. 

  With open banking, consumers have greater choice and control over their financial data, ultimately fostering a more competitive financial industry, supporting technological innovation and paving the way for a more customer-centric financial future.

  Imagine offering your clients a service that analyses spending habits across all accounts — no matter the institution — and automatically finds ways to save them money. Envision providing personalised financial advice tailored to individual needs or enabling customers to apply for a mortgage with just a few taps on their phone. That’s the power of open banking.

  Embracing this technology is an opportunity for banks and fintech companies to build new solutions for customers who are eager for a more transparent and personalised digital experience.

  How is open banking different from traditional banking ?

  In traditional banking, consumers’ financial data is locked away and siloed within each bank’s systems, accessible only to the bank and the account holder. While account holders could manually aggregate and share this data, the process is cumbersome and prone to errors.

  With open banking, users can choose what data to share and with whom, allowing trusted third-party providers to access their financial information directly from the source. 

  

  How does open banking work ?

  The technology that makes open banking possible is the application programming interface (API). Think of banking APIs as digital translators for different software systems ; instead of translating languages, they translate data and code.

  The bank creates and publishes APIs that provide secure access to specific types of customer data, like credit card transaction history and account balances. The open banking API acts like a friendly librarian, ready to assist apps in accessing the information they need in a secure and organised way.

  Third-party providers, like fintech companies, use these APIs to build their applications and services. Some tech companies also act as intermediaries between fintechs and banks to simplify connections to multiple APIs simultaneously.

  For example, banks like BBVA (Spain) and Capital One (USA) offer secure API platforms. Fintechs like Plaid and TrueLayer use those banking APIs as a bridge to users’ financial data. This bridge gives other service providers like Venmo, Robinhood and Coinbase access to customer data, allowing them to offer new payment gateways and investment tools that traditional banks don’t provide.

  Is open banking safe for global financial services ?

  Yes, open banking is designed from the ground up to be safe for global financial services.

  Open banking doesn’t make customer financial data publicly available. Instead, it uses a secure, regulated framework for sharing information. This framework relies on strong security measures and regulatory oversight to protect user data and ensure responsible access by authorised third-party providers.

  In the following sections, we’ll explore the key security features and banking regulations that make this technology safe and reliable.

  Regulatory compliance in open banking

  Regulatory oversight is a cornerstone of open banking security.

  In the UK and the EU, strict regulations govern how companies access and use customer data. The revised Payment Services Directive (PSD2) in Europe mandates strong customer authentication and secure communication, promoting a high level of security for open banking services.

  To offer open banking services, companies must register with their respective regulatory bodies and comply with all applicable data protection laws.

  For example, third-party service providers in the UK must be authorised by the Financial Conduct Authority (FCA) and listed on the Financial Services Register. Depending on the service they provide, they must get an Account Information Service Provider (AISP) or a Payment Initiation Service Provider (PISP) license.

  Similar regulations and registries exist across Europe, enforced by the European National Competent Authority, like BaFin in Germany and the ACPR in France.

  In the United States, open banking providers don’t require a special federal license. However, this will soon change, as the U.S. Consumer Financial Protection Bureau (CFPB) unveiled a series of rules on 22 October 2024 to establish a regulatory framework for open banking.

  These regulations ensure that only trusted providers can participate in the open banking ecosystem. Anyone can check if a company is a trusted provider on public databases like the Regulated Providers registry on openbanking.org.uk. While being registered doesn’t guarantee fair play, it adds a layer of safety for consumers and banks.

  Key open banking security features that make it safe for global financial services

  Open banking is built on a foundation of solid security measures. Let’s explore five key features that make it safe and reliable for financial institutions and their customers.

  

  Strong Customer Authentication (SCA)

  Strong Customer Authentication (SCA) is a security principle that protects against unauthorised access to user financial data. It’s a regulated and legally required form of multi-factor authentication (MFA) within the European Economic Area.

  SCA mandates that users verify their identity using at least two of the following three factors :

  • Something they know (a password, PIN, security question, etc.)
  • Something they have (a mobile phone, a hardware token or a bank card)
  • Something they are (a fingerprint, facial recognition or voice recognition)

  This type of authentication helps reduce the risk of fraud and unauthorised transactions.

  API security

  PSD2 regulations mandate that banks provide open APIs, giving consumers the right to use any third-party service provider for their online banking services. According to McKinsey research, this has led to a surge in API adoption within the banking sector, with the largest banks allocating 14% of their IT budget to APIs. 

  To ensure API security, banks and financial service providers implement several measures, including :

  • API gateways, which act as a central point of control for all API traffic, enforcing security policies and preventing unauthorised access
  • API keys and tokens to authenticate and authorise API requests (the equivalent of a library card for apps)
  • Rate limiting to prevent denial-of-service attacks by limiting the number of requests a third-party application can make within a specific timeframe
  • Regular security audits and penetration testing to identify and address potential vulnerabilities in the API infrastructure

  Data minimisation and purpose limitation

  Data minimisation and purpose limitation are fundamental principles of data protection that contribute significantly to open banking safety.

  Data minimisation means third parties will collect and process only the data necessary to provide their service. Purpose limitation requires them to use the collected data only for its original purpose.

  For example, a budgeting app that helps users track their spending only needs access to transaction history and account balances. It doesn’t need access to the user’s full transaction details, investment portfolio or loan applications.

  Limiting the data collected from individual banks significantly reduces the risk of potential misuse or exposure in a data breach.

  Encryption

  Encryption is a security method that protects data in transit and at rest. It scrambles data into an unreadable format, making it useless to anyone without the decryption key.

  In open banking, encryption protects users’ data as it travels between the bank and the third-party provider’s systems via the API. It also protects data stored on the bank’s and the provider’s servers. Encryption ensures that even if a breach occurs, user data remains confidential.

  Explicit consent

  In open banking, before a third-party provider can access user data, it must first inform the user what data it will pull and why. The customer must then give their explicit consent to the third party collecting and processing that data.

  This transparency and control are essential for building trust and ensuring customers feel safe using third-party services.

  But beyond that, from the bank’s perspective, explicit customer consent is also vital for compliance with GDPR and other data protection regulations. It can also help limit the bank’s liability in case of a data breach.

  Explicit consent goes beyond sharing financial data. It’s also part of new data privacy regulations around tracking user behaviour online. This is where an ethical web analytics solution like Matomo can be invaluable. Matomo fully complies with some of the world’s strictest privacy regulations, like GDPR, lGPD and HIPAA. With Matomo, you get peace of mind knowing you can continue gathering valuable insights to improve your services and user experience while respecting user privacy and adhering to regulations.

  Risks of open banking for global financial services

  While open banking offers significant benefits, it’s crucial to acknowledge the associated risks. Understanding these risks allows financial institutions to implement safeguards and protect themselves and their customers.

  

  Risk of data breaches

  By its nature, open banking is like adding more doors and windows to your house. It’s convenient but also gives burglars more ways to break in.

  Open banking increases what cybersecurity professionals call the “attack surface,” or the number of potential points of vulnerability for hackers to steal financial data.

  Data breaches are a serious threat to banks and financial institutions. According to IBM’s 2024 Cost of a Data Breach Report, each breach costs companies in the US an average of $4.88 million. Therefore, banks and fintechs must prioritise strong security measures and data protection protocols to mitigate these risks.

  Risk of third-party access

  By definition, open banking involves granting third-party providers access to customer financial information. This introduces a level of risk outside the bank’s direct control.

  Financial institutions must carefully vet third-party providers, ensuring they meet stringent security standards and comply with all relevant data protection regulations.

  Risk of user account takeover

  Open banking can increase the risk of user account takeover if adequate security measures are not in place. For example, if a malicious third-party provider gains unauthorised access to a user’s bank login details, they could take control of the user’s account and make fraudulent bank transactions.

  A proactive approach to security, continuous monitoring and a commitment to evolving best practices and security protocols are crucial for navigating the open banking landscape.

  Open banking and data analytics : A balancing act for financial institutions

  The additional data exchanged through open banking unveils deeper insights into customer behaviour and preferences. This data can fuel innovation, enabling the development of personalised products and services and improved risk management strategies.

  However, using this data responsibly requires a careful balancing act.

  Too much reliance on data without proper safeguards can erode trust and invite regulatory issues. The opposite can stifle innovation and limit the technology’s potential.

  Matomo Analytics derisks web and app environments by giving full control over what data is tracked and how it is stored. The platform prioritises user data privacy and security while providing valuable data and analytics that will be familiar to anyone who has used Google Analytics.

  Open banking, data privacy and AI

  The future of open banking is entangled with emerging technologies like artificial intelligence (AI) and machine learning. These technologies significantly enhance open banking analytics, personalise services, and automate financial tasks.

  Several banks, credit unions and financial service providers are already exploring AI’s potential in open banking. For example, HSBC developed the AI-enabled FX Prompt in 2023 to improve forex trading. The bank processed 823 million client API calls, many of which were open banking.

  However, using AI in open banking raises important data privacy considerations. As the American Bar Association highlights, balancing personalisation with responsible AI use is crucial for open banking’s future. Financial institutions must ensure that AI-driven solutions are developed and implemented ethically, respecting customer privacy and data protection.

  Conclusion

  Open banking presents a significant opportunity for innovation and growth in the financial services industry. While it’s important to acknowledge the associated risks, security measures like explicit customer consent, encryption and regulatory frameworks make open banking a safe and reliable system for banks and their clients.

  Financial service providers must adopt a multifaceted approach to data privacy, implementing privacy-centred solutions across all aspects of their business, from open banking to online services and web analytics.

  By prioritising data privacy and security, financial institutions can build customer trust, unlock the full potential of open banking and thrive in today’s changing financial environment.

• The Mystery of the No such file or directory exception

  22 avril 2022, par JohnWick

  No idea what's going on here. Set a breakpoint after the for of loop in the following function. temp/concat.txt exists but the following exception is thrown :

  


  


  Uncaught Error Error : ffmpeg exited with code 1 : temp/concat.txt : No
such file or directory

  


  


  Outputting stderr gives a bit more info :

  


  


  [concat @ 000001e2e30124c0] Impossible to open
'temp/concat.txt#voiceover #funny #fall #lol.mp4' index.js:19
temp/concat.txt : No such file or directory

  


  


  And here is the contents of concat.txt, standard ffmpeg concat demuxer format :

  


  file '#voiceover #funny #fall #lol.mp4'
file 'part 2 repost 🙄 #fyp #funny @jordond262 @princemoonjq add my snap heroicdw333.mp4'
file 'This is my hair wet wet WOAHHH #GrowUpWithMe #fyp #foryoupage #love #funny #puppy #goldenretriever #cute #dog #wetwet.mp4'
file 'POV calling your friends when your 90#FootlongShuffle #GhostMode #funny #grandma  #fyp #halloween #collegegotmelike #tiktok #foryoupage.mp4'
file 'Sam Ki Singing Kaisi Lgi 😂😜 insta-samayranarula #foryou #trending #lockdown #queen_samayra #tiktokindia #funny #gharbaithoindia 🏠 #comedyindia.mp4'
file 'Reply to @juswa646  #fyp#funny #relatable.mp4'
file 'RaNdOm ViDeOs! #fy #fypシ #viral #meme #funny #xyzbca #funnyvideos #randomvideo.mp4'
file 'Reply to @bratzdoll.maya what should I do next 🙄 #fyp #foryoupage #leethe4th #memes #tall #funny #lol.mp4'
file 'Part 2 #fyp #foryou #viral #foryoupageofficiall #funny #trending.mp4'
file 'Lmfao 😂 (via @danibreezy01) #lmao #lmfao #funny #cousins #family #fyp #foryou #foryoupage.mp4'
file 'When you are a clumsy kitty #trend #joke #Khaleesi #funny #kittensoftiktok #foryou #fyp #foryoupage #cute #catsoftiktok.mp4'
file 'Tag That Friend That Always Be Falling Asleep 😂 #foryou #funny #fail #nap #sleep #pennsylvania #SHEINcares #viral #trending #meme #memes #foryoupage.mp4'
file '#funny #funnyvideos #girlfriend #crzy #Birdshit.mp4'
file 'He forgot he was a dog.                #dog #fyp #talkingdog #cute #pet #funny.mp4'
file 'Bad Day #part1 #badday #falling #funny #memes #viral #jokes #comedy #trending #fyp #foryou #share #likes #us #uk #xyzbca  #epic #pourtoi #fail #wee.mp4'
file 'I think he got offended ( #catsoftiktok #fyp #funny #catlover #MyJob #yellow #foryoupage.mp4'
file 'They took OFF today 🐶🤠🐶 #joshbutlertv #roxyandremi #funny #comedy #dogs #viral #memes.mp4'
file 'Had to make sure momma was there #funny #fyp #raccoons #love #bff #foryoupage #ThisorThatSBLV.mp4'
file 'That\'s not how you get out... #mysterymakers #escaperoom #foryou #fyp #crazystory #friends #funny #crazy #teammate.mp4'


  


  The function throwing the exception.

  


  async function makeCompilation(paths, outPath) {
  for (const filePath of paths) {
    await fs.appendFile(
      "temp/concat.txt",
      `file '${path.basename(filePath).replace("'", "\\'")}'${os.EOL}`
    );
  }
  return new Promise((resolve, reject) => {
    ffmpeg("temp/concat.txt")
      .inputOptions(["-f concat", "-safe 0"])
      .outputOption("-c copy")
      .on("stderr", (line) => console.log(line))
      .on("end", async () => {
        await fs.rm("temp/concat.txt");
        resolve();
      })
      .save(outPath);
  });
}