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FBI reportedly overestimated inaccessible encrypted phones by thousands

May 23, 2018 No Comments

The FBI seems to have been caught fibbing again on the topic of encrypted phones. FBI director Christopher Wray estimated in December that it had almost 7,800 phones from 2017 alone that investigators were unable to access. The real number is likely less than a quarter of that, The Washington Post reports.

Internal records cited by sources put the actual number of encrypted phones at perhaps 1,200 but perhaps as many as 2,000, and the FBI told the paper in a statement that “initial assessment is that programming errors resulted in significant over-counting of mobile devices reported.” Supposedly having three databases tracking the phones led to devices being counted multiple times.

Such a mistake would be so elementary that it’s hard to conceive of how it would be possible. These aren’t court notes, memos or unimportant random pieces of evidence, they’re physical devices with serial numbers and names attached. The idea that no one thought to check for duplicates before giving a number to the director for testimony in Congress suggests either conspiracy or gross incompetence.

The latter seems more likely after a report by the Office of the Inspector General that found the FBI had failed to utilize its own resources to access locked phones, instead suing Apple and then hastily withdrawing the case when its basis (a locked phone from a terror attack) was removed. It seems to have chosen to downplay or ignore its own capabilities in order to pursue the narrative that widespread encryption is dangerous without a backdoor for law enforcement.

An audit is underway at the Bureau to figure out just how many phones it actually has that it can’t access, and hopefully how this all happened.

It is unmistakably among the FBI’s goals to emphasize the problem of devices being fully encrypted and inaccessible to authorities, a trend known as “going dark.” That much it has said publicly, and it is a serious problem for law enforcement. But it seems equally unmistakable that the Bureau is happy to be sloppy, deceptive or both in its advancement of a tailored narrative.

Gadgets – TechCrunch


Dropbox beefs up mobile collaboration in latest release

May 22, 2018 No Comments

Dropbox announced several enhancements today designed to beef up its mobile offering and help employees on the go keep up with changes to files stored in Dropbox .

In a typical team scenario, a Dropbox user shared a file with a team member for review or approval. If they wanted to check the progress of this process, the only way to do it up until now was to send an email or text message explicitly asking if the person looked at it yet — not a terribly efficient workflow.

Dropbox recognized this and has built in a fix in the latest mobile release. Now users can can simply see who has looked at or taken action on a file directly from the mobile application without having to leave the application.

In addition, those being asked to review files can see those notifications right at the top of the Home screen in the mobile app, making the whole feedback cycle much more organized.

Photo: Dropbox

Joey Loi, product manager at Dropbox says this is a much more streamlined way to understand activity inside of Dropbox. “With this feature, we think about the closing loop on collaboration. At its heart, collaboration is feedback flows. When I change something on a file, there are a few steps before [my co-worker] knows I’ve changed it,” Loi explained. With this feature that feedback loop can close much faster.

The company also changed the way it organizes and displays files putting the files that you opened most recently at the top of the Home screen, which is somewhat like Recents in Google Drive. It also provides a way to favorite a file and puts those files that are most important at the top of the list, making it easier to find the files that are likely most important to you more quickly when you access the mobile app.

Finally you can now drag and drop a file from an email into a Dropbox folder in a mobile context.

While none of these individual updates are earth shattering changes by any means, they do make it easier for users to access, share and work with files in Dropbox on a mobile device. “All the features are to help teams collaborate and be efficient on mobile,” Loi said.


Enterprise – TechCrunch


The Opportunities Tab: AdWords vs Bing, A Friendly Match-Up

May 22, 2018 No Comments

Dive into AdWords and Bing opportunities tabs and see how they compare. This includes accessibility, features, and performance insights.

Read more at PPCHero.com
PPC Hero


A review of the payday loans algorithm in 2018

May 22, 2018 No Comments

For several years, the search term ‘payday loans’ has regularly attracted more than 200,000 searches per month on Google.co.uk. Whether providing loans or generating leads, the payday loans industry has notoriously been big business and at its peak, was estimated to be worth around £2 billion per year.

Because of this, the top positions on Google’s SERPs for ‘payday loans’ have been a hugely lucrative and sought-after search term; and subsequently was dominated by SEO professionals using massive manipulation to hack their way to the top of the search results.

Until 2013, page one for payday loans barely listed a real payday loan company. Instead, the listings were made up of ‘hacked sites’ including bicycle sales, women’s magazine and frankly, just random domain names that once clicked on redirected to a dubious data capture form.

 

 

Introducing the payday loans algorithm

With customer data at risk and a mountain of complaints from UK consumers (and similar results in the US), Google reacted and introduced an official “payday loans algorithm” in June 2013. For the search giant to acknowledge a particular search term – demanding its own algorithm and focusing on a micro-industry across the pond – it was certainly out of the ordinary and we are yet to see any other industry treated in the same regard.

The payday loan algorithm update was rolled out over a two-month period. The first payday loan update occurred in June 2013, followed by Payday 2.0 on 16 May 2014 and Payday 3.0 which was rolled out shortly thereafter in June 2014.

Whilst the first algorithm change was a general clean up, payday loans algorithm 2.0 focused on targeting spammy queries, abusing Google+ accounts, doorway and hacked websites. Payday loans 3.0 was geared towards tackling spamming links including links of low quality, reciprocal links, forums, blog networks and websites which require paid submissions in exchange for a link.

Soon after the rollout of Payday 3.0, the search results were essentially cleaned up and have since been a much clearer representation of how rankings for payday loans should be by showing legitimate companies.

Those websites that were targeted by changes in the algorithm were subsequently penalized from Google searches, which included dropping 10 pages or even off the face of Google altogether. There were a handful of sites that had previously dominated the SERPs and then ceased to maintain any online real estate including Tide U Over and Red Wallet.

 

Bringing payday to today

The payday loans business took another drastic change following the introduction of FCA regulation in January 2015. Whilst the industry remains lucrative, the number of companies’ active has diminished significantly in the last three years – from 200 lenders to around 40 and originally hundreds of comparison sites to around a dozen. Margins have been hit by the introduction of a price cap, keeping the daily interest at a maximum of 0.8% and tougher regulation on the selling of data – leading to much higher operating costs and barriers to entry.

While there have not been any additional releases of the payday loans algorithm, Google is still keeping an eye on it and even implemented a ban on PPC ads for payday loans in 2016. The outcome was far stricter in the US than in the UK where lenders and comparison sites can still show paid ads but are required to show proof of their regulatory license to Google before going live.

 

How to successfully rank for payday loans in 2018

Fast forward to 2018 and there are 10 legitimate companies ranking in the top 10 for ‘payday loans’ in the organic search on Google.co.uk.

Our SEO company has successfully ranked five of the websites that are currently positioned in the top 10 and based on the success we have seen, we have identified some of the main trends below, which seem to be very specific to a payday loans algorithm and differ to the techniques used for ranking for other keywords in loans and insurance.

 

Direct lenders win over comparison websites: All websites positioned in 1 to 10 are essential providers of payday loans, known as ‘direct lenders’ and not comparison websites. While the main comparison sites in the UK dominate the search results for things like life insurance, car insurance and personal loans, none of these companies come near the top 3 pages for ‘payday loans’ despite all having a landing page to target this keyword.

In positions 1 to 20, there is only one comparison website that features all the lenders and we are responsible for their SEO. However, their homepage resembles a more direct lender with a calculator and apply now button versus a comparison table format.

Brands win over exact match or partial match domains: There is no website listed in the top 10 that has the word ‘payday’ in their domain, suggesting that Google prefers to see brands over exact match or partial match domains. Compare this to other industries where logbookloans.co.uk ranks first for ‘logbook loans’ and two companies ranking on page one for ‘bridging loans’ that include the main keyword in their domain name.

Keeping in line with the brand theme, sites that rank well will have quality traffic from several sources including direct, paid, social and email. To benefit their SEO, the users should have high engagement rates, high average time on site and low bounce rates. This can be hugely beneficial for search rankings but is not an isolating factor. Companies such as Sunny and Lending Stream advertise heavily on TV and will generate good direct traffic as a result, but their lower search rankings do not correlate with enhanced direct traffic.

Domain age less relevant: Whilst several industries such as car insurance use the age of the domain as an important ranking factor, this seems to be less relevant for payday loans. Notably, 3 of the top 5 that rank (Cashfloat, Drafty and StepStone Credit) are less than two years old. This could be attributed to accumulating less spam and a history of low-quality links compared to much older domains.

Links still win… domains with more links tend to outrank those with fewer links. Interestingly, around 7 of the top 10 seem to have similar domains linking to them, suggesting there are some links that Google clearly values in this industry. However, finding the balance here is key as some of these similar links have a very low DA and spammy link history. Understanding which will work well will be the difference between better search positions or a penalty.

Strong user experience: A strong UX making it clear where to apply for a payday loan is proving to be more effective than providing thousands of words explaining what payday loans are. Keeping in line with user intent, successful websites are making use of calculators, images and videos to drive the application and not provide thin content.

Room for alternatives: Two sites currently in the top 5 for payday loans are offering alternatives (StepStone Credit and Drafty.) This could highlight Google’s moral obligation to offer a variety of products and not just high-cost short-term loans, thus alluding to whether they are in fact manually organizing the SERPs themselves.

 

To conclude, the usual SEO techniques of brand building, link acquisition and good user experience still apply to rank well in a modern payday loans algorithm. However, there is no doubt that payday loans in 2018 still requires a very specific approach; which can be achieved by looking at the sites that rank successfully and getting a feel of what content they write and what links they get.

In an ideal scenario, we should see MoneyAdviceService ranking top of the tree since it has the most authority and has numerous links from every single payday loans company in the UK – but as they sit on page 3 and have for some time, this is proof that the beast of ranking for payday loans surely has a mind of its own.

Search Engine Watch


A review of the payday loans algorithm in 2018

May 22, 2018 No Comments

For several years, the search term ‘payday loans’ has regularly attracted more than 200,000 searches per month on Google.co.uk. Whether providing loans or generating leads, the payday loans industry has notoriously been big business and at its peak, was estimated to be worth around £2 billion per year.

Because of this, the top positions on Google’s SERPs for ‘payday loans’ have been a hugely lucrative and sought-after search term; and subsequently was dominated by SEO professionals using massive manipulation to hack their way to the top of the search results.

Until 2013, page one for payday loans barely listed a real payday loan company. Instead, the listings were made up of ‘hacked sites’ including bicycle sales, women’s magazine and frankly, just random domain names that once clicked on redirected to a dubious data capture form.

 

 

Introducing the payday loans algorithm

With customer data at risk and a mountain of complaints from UK consumers (and similar results in the US), Google reacted and introduced an official “payday loans algorithm” in June 2013. For the search giant to acknowledge a particular search term – demanding its own algorithm and focusing on a micro-industry across the pond – it was certainly out of the ordinary and we are yet to see any other industry treated in the same regard.

The payday loan algorithm update was rolled out over a two-month period. The first payday loan update occurred in June 2013, followed by Payday 2.0 on 16 May 2014 and Payday 3.0 which was rolled out shortly thereafter in June 2014.

Whilst the first algorithm change was a general clean up, payday loans algorithm 2.0 focused on targeting spammy queries, abusing Google+ accounts, doorway and hacked websites. Payday loans 3.0 was geared towards tackling spamming links including links of low quality, reciprocal links, forums, blog networks and websites which require paid submissions in exchange for a link.

Soon after the rollout of Payday 3.0, the search results were essentially cleaned up and have since been a much clearer representation of how rankings for payday loans should be by showing legitimate companies.

Those websites that were targeted by changes in the algorithm were subsequently penalized from Google searches, which included dropping 10 pages or even off the face of Google altogether. There were a handful of sites that had previously dominated the SERPs and then ceased to maintain any online real estate including Tide U Over and Red Wallet.

 

Bringing payday to today

The payday loans business took another drastic change following the introduction of FCA regulation in January 2015. Whilst the industry remains lucrative, the number of companies’ active has diminished significantly in the last three years – from 200 lenders to around 40 and originally hundreds of comparison sites to around a dozen. Margins have been hit by the introduction of a price cap, keeping the daily interest at a maximum of 0.8% and tougher regulation on the selling of data – leading to much higher operating costs and barriers to entry.

While there have not been any additional releases of the payday loans algorithm, Google is still keeping an eye on it and even implemented a ban on PPC ads for payday loans in 2016. The outcome was far stricter in the US than in the UK where lenders and comparison sites can still show paid ads but are required to show proof of their regulatory license to Google before going live.

 

How to successfully rank for payday loans in 2018

Fast forward to 2018 and there are 10 legitimate companies ranking in the top 10 for ‘payday loans’ in the organic search on Google.co.uk.

Our SEO company has successfully ranked five of the websites that are currently positioned in the top 10 and based on the success we have seen, we have identified some of the main trends below, which seem to be very specific to a payday loans algorithm and differ to the techniques used for ranking for other keywords in loans and insurance.

 

Direct lenders win over comparison websites: All websites positioned in 1 to 10 are essential providers of payday loans, known as ‘direct lenders’ and not comparison websites. While the main comparison sites in the UK dominate the search results for things like life insurance, car insurance and personal loans, none of these companies come near the top 3 pages for ‘payday loans’ despite all having a landing page to target this keyword.

In positions 1 to 20, there is only one comparison website that features all the lenders and we are responsible for their SEO. However, their homepage resembles a more direct lender with a calculator and apply now button versus a comparison table format.

Brands win over exact match or partial match domains: There is no website listed in the top 10 that has the word ‘payday’ in their domain, suggesting that Google prefers to see brands over exact match or partial match domains. Compare this to other industries where logbookloans.co.uk ranks first for ‘logbook loans’ and two companies ranking on page one for ‘bridging loans’ that include the main keyword in their domain name.

Keeping in line with the brand theme, sites that rank well will have quality traffic from several sources including direct, paid, social and email. To benefit their SEO, the users should have high engagement rates, high average time on site and low bounce rates. This can be hugely beneficial for search rankings but is not an isolating factor. Companies such as Sunny and Lending Stream advertise heavily on TV and will generate good direct traffic as a result, but their lower search rankings do not correlate with enhanced direct traffic.

Domain age less relevant: Whilst several industries such as car insurance use the age of the domain as an important ranking factor, this seems to be less relevant for payday loans. Notably, 3 of the top 5 that rank (Cashfloat, Drafty and StepStone Credit) are less than two years old. This could be attributed to accumulating less spam and a history of low-quality links compared to much older domains.

Links still win… domains with more links tend to outrank those with fewer links. Interestingly, around 7 of the top 10 seem to have similar domains linking to them, suggesting there are some links that Google clearly values in this industry. However, finding the balance here is key as some of these similar links have a very low DA and spammy link history. Understanding which will work well will be the difference between better search positions or a penalty.

Strong user experience: A strong UX making it clear where to apply for a payday loan is proving to be more effective than providing thousands of words explaining what payday loans are. Keeping in line with user intent, successful websites are making use of calculators, images and videos to drive the application and not provide thin content.

Room for alternatives: Two sites currently in the top 5 for payday loans are offering alternatives (StepStone Credit and Drafty.) This could highlight Google’s moral obligation to offer a variety of products and not just high-cost short-term loans, thus alluding to whether they are in fact manually organizing the SERPs themselves.

 

To conclude, the usual SEO techniques of brand building, link acquisition and good user experience still apply to rank well in a modern payday loans algorithm. However, there is no doubt that payday loans in 2018 still requires a very specific approach; which can be achieved by looking at the sites that rank successfully and getting a feel of what content they write and what links they get.

In an ideal scenario, we should see MoneyAdviceService ranking top of the tree since it has the most authority and has numerous links from every single payday loans company in the UK – but as they sit on page 3 and have for some time, this is proof that the beast of ranking for payday loans surely has a mind of its own.

Search Engine Watch


Where to watch Zuckerberg’s meeting with EU MEPs on Tuesday

May 21, 2018 No Comments

The Facebook founder Mark Zuckerberg’s meeting with elected representatives of the European Union’s ~500 million citizens will be livestreamed after all, it was confirmed today.

MEPs had been angered by the original closed door format of the meeting, which was announced by the EU parliament’s president last week. But on Friday a majority of the political groups in the parliament had pushed for it to be broadcast online.

This morning president Antonio Tajani confirmed that Facebook had agreed to the 1hr 15 minute hearing being livestreamed.

A Facebook spokesperson also sent us this short statement today: “We’re looking forward to the meeting and happy for it to be live streamed.”

When is the meeting?

The meeting will take place on Tuesday May 22 at 18.15 to 19.30CET. If you want to tune in from the US the meeting is scheduled to start at 9.15PT /12.15ET.

Tajani’s announcement last week said it would start earlier, at 17.45CET, so the meeting appears to have been bumped on by half an hour. We’ve asked Facebook whether Zuckerberg will meet in private with the parliament’s Conference of Presidents prior to the livestream being switched on and will update this story with any response.

Where to watch it online?

According to Tajani’s spokesperson, the meeting will be broadcast on the EU parliament’s website. At the time of writing it’s not yet listed in the EPTV schedule — but we’re expecting it to be viewable here.

Who will be meeting with Zuckerberg?

The Facebook founder will meet with EU parliament president Tajani, along with leaders of the parliament’s eight political groups, and with Claude Moraes, the chair of the EU parliament’s Civil Liberties, Justice and Home Affairs (LIBE) committee.

It’s worth noting that the meeting is not a formal hearing, such as the sessions with Zuckerberg in the US Senate and Congress last month. Nor is it a full Libe committee hearing — discussions remain ongoing for Facebook representatives to meet with the full Libe committee at a later date.

What will Zuckerberg be asked about?

In the wake of the Cambridge Analytica data misuse scandal, MEPs are keen to discuss concerns related to social media’s impact on election processes with Zuckerberg.

Indeed, the impact of social media spread online disinformation is also the topic of an ongoing enquiry by the UK parliament’s DCMS committee which spent some five hours grilling Facebook’s CTO last month. Although Zuckerberg has thrice declined the committee’s summons — preferring to meet with EU parliamentarians instead.

Other topics on the agenda will include privacy and data protection — with Moraes likely to ask about how Facebook’s business model impacts EU citizens’ fundamental rights, and how EU regulations might need to evolve to keep pace, as he explained to us on Friday.

Some of the political group leaders are also likely to bring up concerns around freedom of expression as pressure in the region has ramped up on online platforms to get faster at policing hate speech.


Social – TechCrunch


Star Wars News: Life After ‘Solo’ May or May Not Include a Lando Movie

May 21, 2018 No Comments

Will Donald Glover be getting his own ‘Star Wars Story’? It’s not impossible!
Feed: All Latest


Star Wars News: Life After ‘Solo’ May or May Not Include a Lando Movie

May 21, 2018 No Comments

Will Donald Glover be getting his own ‘Star Wars Story’? It’s not impossible!
Feed: All Latest


Analyzing the AdWords Distance Report

May 21, 2018 No Comments

The distance report provides a unique view of your geographic data. The report helps users understand how distance from a location impacts search ad performance.

Read more at PPCHero.com
PPC Hero


Analyzing the AdWords Distance Report

May 21, 2018 No Comments

The distance report provides a unique view of your geographic data. The report helps users understand how distance from a location impacts search ad performance.

Read more at PPCHero.com
PPC Hero


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