Could Bredemarket survive without the Internet?

I wasn’t going to labor on this Labor Day, but I ended up renewing my City of Ontario business license. (This coming year will be the fourth that Bredemarket has conducted business in Ontario.)

Business license renewal (now complete).

To receive that mailing from the City, Bredemarket of course has to have a mailing address, courtesy of a local UPS Store (formerly known as Mailboxes Etc.).

Now most people don’t interact with Bredemarket via my physical mailing address. The few that do include the City of Ontario, and three of my clients who have chosen to pay me via paper checks. (I’m flexible.)

This got me curious.

What if?

What if the Internet were to disappear tomorrow? What if the only way my clients could interact with Bredemarket was through my Bredemarket physical mailing address? Could Bredemarket still conduct business?

Possibly.

Some of my business would disappear overnight. Blog posts, for example, are meaningless in a non-Internet world, unless companies choose to post long text-based communications on utility poles. Or in laundromats.

This used to be my laundromat. 454 N Mountain Ave, Ontario, CA 91762.

Even if the Internet were to disappear, I could still write text for case studies (maintaining my Inland Empire case study writing business) and white papers. I could send my client a Microsoft Word file (perhaps an old version of Word), and the firm could send the file to their printer. But how would I send the file? Put a CD in the mail?

Back to reality

Luckily, we DO have the Internet.

If you need to communicate with Bredemarket regarding your marketing and writing needs, you can go to my contact page at https://bredemarket.com/contact/. As of today, my contact methods include email, phone, and web page form. You can even book a calendar meeting with me.

And yes, you can “snail mail” me also at 1030 N Mountain Ave #259, Ontario, CA 91762-2114.

By Geierunited – Own work, CC BY-SA 3.0, https://commons.wikimedia.org/w/index.php?curid=95926

Creating a Business Page on Facebook for Your Inland Empire Company

There are Inland Empire companies that have an online presence, and companies that don’t.

Yes, the Ontario Convention Center has an online presence, on the web and elsewhere. Picture by Mack Male – originally posted to Flickr as Ontario Convention Center, CC BY-SA 2.0, https://commons.wikimedia.org/w/index.php?curid=9512928

If your Inland Empire company doesn’t have an online presence, one quick way to create one is to create a business page on Facebook.

This post outlines the benefits of establishing an online presence via a Facebook business page. It also provides four examples of Facebook business pages. Finally, the post addresses the thorny question of creating content for your Facebook business page.

Why Faceboook may be the best online presence for your business

For the first time in years, I attended an Ontario IDEA Exchange meeting at AmPac Business Capital on Tuesday afternoon. There was a mixture of attendees: some who had established several businesses, some like me who had run one business for some time, and a few who were just starting out in business.

The ones who were starting out were still trying to figure out all the things you need to do to start a business: figuring out why the business exists in the first place, getting the appropriate business licenses (and in some cases professional licenses), printing business cards (or creating the online equivalent), setting up SOME kind of way to track prospects and customers…and establishing an online presence.

Now some businesses choose to establish their online presence by creating a website.

I believe that this is the best way to establish an online presence since you have more control over the content. Plus, there are several alternative ways to create a business website (I use WordPress, but you can use SquareSpace, Wix, or any of several other website builders).

But even the simplest website can involve a lot of complexity—bredemarket.com currently has 57 pages, not counting tag pages and individual blog post pages.

For many small businesses, it may be much easier to create a Facebook business page then to create an entire website.

  • Facebook business pages are free. (Well, unless you run ads.)
  • Facebook business pages are easy to create.
  • Facebook business pages potentially reach billions of people, including your prospects and customers.

Creating a Facebook business page

So how do you create a Facebook business page?

There’s no need for me to document all of that in detail, since many have already done so.

Starting with Facebook itself.

As long as you have a personal Facebook profile, and as long as you can provide basic information about your business (category, address, areas serviced, email, phone number, website, hours, etc.), you can create a Facebook page from your laptop or desktop computer by following these steps:

  1. From the Pages section, click Create new Page.
  2. Add your Page name and category.
  3. Add your Page’s bio and click Create.
  4. (Optional) Add information, such as Contact, Location and Hours, and click Next.
  5. (Optional) Add profile and cover photos, and edit the action button, and click Next.
  6. (Optional) Invite friends to connect with your Page, and click Next.
  7. Click Done.
From https://www.facebook.com/business/help/473994396650734?id=939256796236247

Don’t worry if you don’t have all the optional items, such as a page cover picture. You can add them later. This will get you going.

Other guides to creating Facebook business pages are available from Buffer (with pictures), Hootsuite (with pictures). Sprout Social (with pictures), and a number of other sources.

But before you create YOUR Facebook business page, let me show you four varied examples of EXISTING Facebook business pages.

Four examples of Facebook business pages

Let’s take a look at some pages that already exist. Perhaps one or more of these will give you ideas for your own page.

The artist page (Paso Artis)

Paso Artis is a European business whose proprietor is a painter who sells her paintings.

The menu options at the bottom of the picture above (some of which cannot be seen) illustrate some of the elements you can include in a Facebook page. Here are just a few of the page elements that Paso Artis uses:

  • Posts. This is the equivalent of a blog on a website, and allows you to post text, images, videos, and other types of content.
  • About. This is where you provide contact and other basic information about your business.
  • Shop. Facebook allows you to include a shop, which Paso Artis uses to sell her paintings.
  • Photos. As you can imagine for an artist’s page, photos of the artwork are essential.

The shirtmaker page (Shirts by Kaytie)

(UPDATE 10/20/2023: Because Shirts by Kaytie is sadly no longer in business, I have removed the, um, live links to her Facebook page.)

Let’s leave Europe and go to Illinois where we find another artist, but her work is not displayed on paintings, but on shirts. Here is the Shirts by Kaytie Facebook page.

You’ll notice that Shirts by Kaytie has a different menu item order (and different menu items) than Paso Artis. For example, Shirts by Kaytie doesn’t have a Facebook “shop” element; you need to contact her directly to purchase items.

But Shirts by Kaytie certainly has photos.

The marketer/writer page (Bredemarket)

Enough of such exotic locations as Europe and Illinois. Let’s head to California’s Inland Empire and look at my favorite marketing/writing services Facebook page, the Bredemarket Facebook page.

I’d like to point out two things here.

  • First, Bredemarket (unlike Paso Artis and Shirts by Kaytie) provides services rather than tangible products. Therefore, I chose to include a “Services” element as part of my Facebook page.

Second, Bredemarket has chosen to implement Facebook’s “groups” feature. In Bredemarket’s case, there are three separate groups that focus on various aspects of Bredemarket’s business. Inland Empire businesses can read the content in the Bredemarket Inland Empire B2B Services group and not get bogged down in out-of-area identity discussions about the change from FRVT to FRTE. (They’re missing out.)

The local technology champion page (Startempire Wire)

I saved the Startempire Wire Facebook page for last because it makes terrific use of Facebook’s capabilities.

By the way, if you are an Inland Empire business—especially an Inland Empire startup technology business—and you have never heard of Startempire Wire, STOP READING MY POST and go follow Startempire Wire’s Facebook page NOW. Startempire Wire is THE news source for Inland Empire startup tech information, and is a strong champion of the IE tech community.

So what does Startempire Wire’s Facebook page offer? Posts, photos, weekly videos, and the “Inland Empire Startup Scene” group. All of the content is jam-packed with information.

Facebook pages are essential to these firms’ strategies

Now in some cases the Facebook pages are only part of the online presence for these firms. Both Bredemarket and Startempire Wire have their own web pages, and both firms are also active on other online properties such as LinkedIn. (Bredemarket is almost everywhere, but not on Snapchat.) But Facebook is an essential part of the outreach for all four of these firms, allowing them to reach prospects and clients who are only on Facebook and nowhere else.

Perhaps a Facebook page is a perfect solution for YOUR firm’s online presence.

Let’s talk about content

But creating a Facebook page is not enough.

You need to populate it with content, such as images, videos…and posts.

And if your Facebook page doesn’t have any content, it’s useless to your prospects. As I’ve preached for years, an empty page makes your prospects and customers question whether you exist.

Now I’m not saying that you HAVE to update your Facebook page daily, but it’s a good idea to add new content at least once a month.

But what if you aren’t a writer, or don’t have time to write? Do you have to resort to ChatGPT?

Heavens no. (I’ll say more about that later.)

Well, online content creation is where Bredemarket comes in. I help firms create blog posts, Facebook posts, LinkedIn articles, case studies, white papers, and other content (22 different types of content at last count).

Does your product (or company) need these 22 content types?

Let me help you populate your Facebook page (or other online content).

Authorize Bredemarket, Ontario California’s content marketing expert, to help your firm produce words that return results.

Bredemarket logo

Coldest Beer in Town

HK Food Store, Grove & 6th, Ontario, California.

Illogical marketing slogans like “coldest beer in town” are fascinating.

If you take a moment to think about it, every mini mart and liquor store in town has to chill beer to the exact same temperature before it freezes, so no store will have colder beer than any other store. (For the specifics, including the effect of ABV on alcohol freezing temperature, see Oxbow Tavern’s blog post.)

But liquor store marketers know that we DON’T take a moment to think about it. When it’s hot and we want beer, we want the “coldest beer in town.”

Well, while it was hot this morning, and while the HK Food Store was open (unlike the C & M Classy Mart a couple of miles northwest), I opted NOT to get the coldest beer in town. I wasn’t carrying a beer bottle opener, and I didn’t feel like breaking the law by walking down Grove Avenue with a beer bottle hidden in a paper bag.

My loss.

Geographical Confusion Strikes Again, Eh?

Companies always strive to obtain some sort of recognition. I tried to do the same for Bredemarket, but my effort got derailed into a common local Inland Empire joke.

Aware’s biometric blog recognition

So what recognition did I want to receive? The same recognition that noted biometric company Aware received in 2020.

The Best Biometrics Blogs from thousands of Biometrics blogs on the web using search and social metrics. Subscribe to these websites because they are actively working to educate, inspire, and empower their readers with frequent updates and high-quality information.

From https://www.aware.com/blog-top-25-biometric-blogs-aware/

Aware announced that its blog made a list of the top 25 biometric blogs. It maintains this top 25 ranking to this day.

And I wanted in.

Not that I necessarily consider myself equal to Aware or some of the other noted companies on the current list, but as the self-acknowledged identity/biometric blog expert, with hundreds of identity posts over the last three years, I figured I had a shot of making the list. The benefit to me, of course, is that if I made the list, I had a better chance of securing identity blog post writing clients and other clients.

So far I haven’t made the biometric blogs list.

But I did make another list.

Which is somewhat problematic.

Ontario blogs? True.

You see, earlier this morning I received an email that stated the following.

I would like to personally congratulate you as your blog Bredemarket Blog has been selected by our panelist as one of the Top 45 Ontario Bloggers on the web.

https://blog.feedspot.com/ontario_bloggers/

I personally give you a high-five and want to thank you for your contribution to this world. This is the most comprehensive list of Top 45 Ontario Bloggers on the internet and I’m honored to have you as part of this!

We’d be grateful if you can help us spread the word by briefly mentioning about the Top 45 Ontario Bloggers list in any of your upcoming post.

From email received August 22, 2023.

Now that sounds pretty nice.

Until I checked my listing.

Did you see it?

Here, let me help you.

Yup. The people who created the feed think that I’m in CANADA.

But if you think my listing is messed up, take a look at the number 1 listing, for the official news site for the Government of Ontario. This IS a Canadian website, as evidenced by its URL of https://news.ontario.ca/newsroom/en, and the fact that it discusses people like Doug Ford. But take a real close look at the logo at the left of the listing.

From https://blog.feedspot.com/ontario_bloggers/

Yup. That’s the logo for Ontario, CALIFORNIA, which to my knowledge appears nowhere on the Government of Ontario (Canada) website.

And I know the difference: I’m not the Ontario Canada content marketing expert, but I am the Ontario California content marketing expert.

And our websites down here don’t offer French as one of the two main languages.

If you live in Canada, don’t read this section

But at least the Bredemarket blog is listed SOMEWHERE, because I help a lot of U.S. companies (sorry, no Canadian companies) create the words they need to drive awareness and eventually revenue. Services such as the Bredemarket 400 Short Writing Service let Bredemarket collaborate with you to create the text your firm needs.

If I can help your firm:

Educational Identity: Why and How Do Educational Institutions Verify Identities?

Chaffey High School, Ontario California.

Whether a student is attending a preschool, a graduate school, or something in between, the educational institution needs to know who is accessing their services. This post discusses the types of identity verification and authentication that educational institutions may employ.

Why do educational institutions need to verify and authenticate identities?

Whether little Johnny is taking his blanket to preschool, or Johnny’s mother is taking her research notes to the local university, educational institutions such as schools, colleges, and universities need to know who the attendees are. It doesn’t matter whether the institution has a physical campus, like Chaffey High School’s campus in the video above, or if the institution has a virtual campus in which people attend via their computers, tablets, or phones.

Access boils down to two questions:

  • Who is allowed within the educational institution?
  • Who is blocked from the educational institution?

Who is allowed within the educational institution?

Regardless of the type of institution, there are certain people who are allowed within the physical and/or virtual campus.

  • Students.
  • Instructors, including teachers, teaching assistants/aides, and professors.
  • Administrators.
  • Staff.
  • Parents of minor students (but see below).
  • Others.

All of these people are entitled to access to at least portions of the campus, with different people having access to different portions of the campus. (Students usually can’t enter the teacher’s lounge, and hardly anybody has full access to the computer system where grades are kept.)

Before anyone is granted campus privileges, they have to complete identity verification. This may be really rigorous, but in some cases it can’t be THAT rigorous (how many preschoolers have a government ID?). Often, it’s not rigorous at all (“Can you show me a water bill? Is this your kid? OK then.”).

Once an authorized individual’s identity is verified, they need to be authenticated when they try to enter the campus. This is a relatively new phenomenon, in response to security threats at schools. Again, this could be really rigorous. For example, when students at a University of Rhode Island dining hall want to purchase food from the cafeteria, many of then consent to have their fingerprints scanned.

From https://www.youtube.com/watch?v=JzMDF_LN_LU

Another rigorous example: people whose biometrics are captured when taking exams, to deter cheating.

But some authentiation is much less rigorous. In these cases, people merely show an ID (hopefully not a fake ID) to authenticate themselves, or a security guard says “I know Johnny.”

(Again, all this is new. Many years ago, I accompanied a former college classmate to a class at his new college, the College of Marin. If I had kept my mouth shut, the professor wouldn’t have known that an unauthenticated student was in his class.)

Who is blocked from the educational institution?

At the same time, there are people who are clearly NOT allowed within the physical and/or virtual campus. Some of these people can enter campus with special permission, while some are completely blocked.

  • Former students. Once a student graduates, their privileges are usually revoked, and they need special permission if they want to re-enter campus to visit teachers or friends. (Admittedly this isn’t rigorously enforced.)
  • Expelled students. Well, some former students have a harder time returning to campus. If you brought a gun on campus, it’s going to be much harder for you to re-enter.
  • Former instructors, administrators, and staff. Again, people who leave the employ of the institution may not be allowed back, and certain ones definitely won’t be allowed back.
  • Non-custodial parents of minor students. In some cases, a court order prohibits a natural parent from contact with their child. So the educational institutions are responsible for enforcing this court order and ensuring that the minor student leaves campus only with someone who is authorized to take the child.
  • Others.

So how do you keep these people off campus? There are two ways.

  • If they’re not on the allowlist, they can’t enter campus anyway. As part of the identity verification process for authorized individuals, there is a list of people who can enter the campus. By definition, the 8 billion-plus people who are not on that “allowlist” can’t get on campus without special permission.
  • Sometimes they can be put on a blocklist. Or maybe you want to KNOW that certain people can’t enter campus. The inverse of an allowlist, people who are granted access, is a blocklist, people who are prevented from getting access. (You may know “blocklist” by the older term “blacklist,” and “allowlist” by the older term “whitelist.” The Security Industry Association and the National Institute of Standards and Technology recommend updated terminology.)

There’s just one teeny tiny problem with blocklists. Sometimes they’re prohibited by law.

In some cases (but not in others), a person is required to give consent before they are enrolled in a biometric system. If you’re the ex-student who was expelled for brining a gun on campus, how motivated will you be to allow that educational institution to capture your biometrics to keep you off campus?

And yes, I realize that the expelled student’s biometrics were captured while they were a student, but once they were no longer a student, the institution would have on need to retain those biometrics. Unless they felt like it.

This situation becomes especially sticky for campuses that use video surveillance systems. Like Chaffey High School.

Sign: "To reduce property damage to our facilities, this campus has installed a video surveillance system."
Chaffey High School, Ontario, California.

Now the mere installation of a video surveillance system does not (usually) result in legally prohibited behavior. It just depends upon what is done with the video.

  • If the video is not integrated with a biometric facial recognition system, there may not be an issue.
  • If Chaffey High School has its own biometric facial recognition system, then a whole host of legal factors may come into play.
  • If Chaffey High School does not have a biometric facial recognition system, but it gives the video to a police agency or private entity that does have a biometric facial recognition system, then some legal factors may emerge.

Or may not. Some facial recognition bans allow police use, and if this is true then Chaffey can give the footage to the police to use for authorized purposes. But if the jurisdiction bans police use of facial recognition, then people on the video can only be recognized manually. And you know how I feel about that.

Writing About Educational Identity

As you can see, educational identity is not as clear-cut as financial identity, both because financial institutions are more highly regulated and because blocklists are more controversial in educational identity. Vladimir Putin may not be able to open a financial account at a U.S. bank, but I bet he’d be allowed to enroll in an online course at a U.S. community college.

So if you are an educational institution or an identity firm who serves educational institutions, people who write for you need to know all of these nuances.

You need to provide the right information to your customers, and write it in a way that will motivate your customers to take the action you want them to take.

Speaking of motivating customers, are you with an identity firm or educational institution and need someone to write your marketing text?

  • Someone with 29 years of identity/biometric marketing experience?
  • Someone who understands that technological, organizational, and legal issues surrounding the use of identity solutions?
  • Someone who will explain why your customers should care about these issues, and the benefits a compliant solution provides to them?

If I can help you create your educational identity content, we need to talk.

Financial Identity: Which Firms Can Remotely Onboard Financial Customers?

Bank of America, Euclid Avenue, Ontario, California.

Here’s a sign of the times from Ontario, California. The sign at the end of this video appears on the door of a bank branch in downtown Ontario, and basically says that if you wanted to go to THIS branch on Saturday, you’re out of luck.

Of course, that assumes that you actually WANT to go to a physical bank branch location. Unlike the old days, when banks were substantive buildings that you visited to deposit and withdraw money, now banks can be found in our smartphones.

What locational, technological, and organizational changes have taken place at banks over the last 50 years? And now that you can open an account to buy crypto on your smartphone, does your financial institution’s onboarding solution actually WORK in determining financial identity?

Three changes in banking over the last fifty years

Over the last fifty years, banking has changed to the point where someone from 1973 wouldn’t even recognize “banking” today. Stick around to see a video from a company called “Apple” showing you how to use a “wallet” on a “smartphone” to pay for things even if you’re not carrying your “chip card.” Karl Malden would be spinning in his grave. So let’s talk about the three changes:

  1. The locational change.
  2. The technological change.
  3. The organizational change.

The locational change: from stand-alone buildings to partitioned grocery store sections

When I was growing up, a “bank” (or a “savings & loan,” which we will discuss later) was located in a building where you would go on weekdays (or even Saturdays!) and give money to, or get money from, a person referred to as a teller.

By Dennis Brown – Own work, CC BY 3.0, https://commons.wikimedia.org/w/index.php?curid=5214388

There was this whole idea of “going to the bank,” perhaps on your lunch hour because you couldn’t go to the bank on Sunday at midnight, could you?

The first crack in the whole idea of “going to the bank” was the ability to bank without entering the door of the bank…and being able to bank on Sunday at midnight if you felt like it. Yes, I’m talking about Automated Teller Machines (ATMs), where the “teller,” instead of being a person, was a bunch of metal and a TV screen. The first ATM appeared in 1967, but they didn’t really become popular until several years later.

Actor Reg Varney using the world’s first cash machine at Barclays Bank, Enfield, north London on 27 June 1967. https://en.wikipedia.org/w/index.php?curid=12747908

For the most part, these ATMs were located at the bank buildings themselves. But those buildings were costly, and as competition between banks increased, banks sought alternatives. By 1996, a new type of banking location emerged (PDF):

The largest U.S. commercial banks are restructuring their retail operations to reduce the cost disadvantage resulting from a stagnant deposit base and stiffer competition. As part of this effort, some banks are opening “supermarket,” or “in-store,” branches: a new type of banking office within a large retail outlet. An alternative to the traditional bank office, the supermarket branch enables banks to improve the efficiency of the branch network and offer greater convenience to customers.

From https://www.newyorkfed.org/medialibrary/media/research/current_issues/ci2-13.pdf

To traditionalists, these bank branches looked pretty flimsy. Where are the brick and (fake) marble walls that protect my cash? Heck, anyone can walk into the store and just steal all my money, right?

Well, these newfangled bank branches apparently WERE able to protect our cash, and the idea of banking right in the grocery store proved to be very popular because of its convenience.

But the changes were just beginning.

The technological change: from store sections to smartphones

As banks changed where they were located, there were technological changes also.

During the 1990s, more and more people were using home computers. As the computers and their security became more and more sophisticated, some people asked why we needed to “go to the bank” (either a stand-alone building or a partitioned area next to the cigarettes) at all. Why not just bank at the computer? So PC banking emerged.

Interpol and Deutsche Bank. The cover art can be obtained from Kling Klang and EMI Electrola., Fair use, https://en.wikipedia.org/w/index.php?curid=42639079

The term “PC banking” refers to the online access of banking information from a personal computer. A solution for both personal or business banking needs, this type of financial management allows you to conduct transactions using an Internet connection and your computer in lieu of a trip to the local bank branch or the use of an ATM. PC banking enables an account holder to perform real-time account activities and effectively manage finances in a way that avoids the hassle of daytime bank visits and eliminates the postage required to pay bills by mail.

From https://smallbusiness.chron.com/pc-banking-72403.html

Ah yes; there was another benefit. You could use the computer to pay your bills electronically. The U.S. Postal Service was NOT a fan of this change.

As we crossed into the new millennium, the online banking ideas got even wilder. Cellular telephones, which followed a modified version of the “Princess phone” form factor, became more complex devices with their own teeny-tiny screens, just like their larger computer cousins. Eventually, banks began offering their services on these “smartphones,” so that you didn’t even need a computer to perform your banking activities.

Imagine putting the video below on 8mm film and traveling back in time to show it to a 1973 banking customer. They would have no idea what was going on in the film.

From https://www.youtube.com/watch?v=znIOqQLbNFk

But are PC and smartphone banking secure? After all, smartphones don’t have brick or (fake) marble walls. We’ll get to that question.

The organizational change: from banks to…who knows what?

The third change was not locational or technological, but a change in terms of business organization. Actually, many changes.

Back in 1973, the two major types of banks were banks, and something called “savings & loans.” Banks had been around for centuries, but savings & loans were a little newer, having started in 1831. They were regulated a little differently: banks were insured by the FDIC, S&Ls by the FSLIC.

Everything was all hunky dory until the 1980s, when the S&Ls started collapsing. This had monumental effects; for example, this PDF documenting the S&L crisis is hosted on the FDIC website, because the FSLIC was abolished many years ago.

After savings & loans became less popular, other “banks” emerged.

But there was one similarity between banks, savings & loans, credit unions, and payday loans. They all dealt in U.S. dollars (or the currency of the nation where they were located).

Enter the crypto providers, who traded cryptocurrencies that weren’t backed by any government. Since they were very new entrants, they didn’t have to make the locational and technological changes that banks and related entities had to make; they zoomed straight to the newest methods. Everything was performed on your smartphone (or computer), and you never went to a physical place.

Now, let’s open a financial account

Back in 1973, the act of opening an account required you to travel to a bank branch, fill out some forms, and give the teller some form of U.S. dollars.

You can still do that today, for the most part. But it was hard to do that in the summer and fall of 2020 when Bredemarket started.

Bredemarket pretty much started because of the COVID-19 pandemic, and those first few months of Bredemarket’s existence were adversely affected by COVID-19. When I wanted to start a bank account for Bredemarket, I COULDN’T travel to my nearby bank branch to open an account. I HAD to open my account with my computer.

So, without a teller (human or otherwise) even meeting me, I had to prove that I was a real person, and give my bank enough information during onboarding so that they knew I wasn’t a money-laundering terrorist. Banks had to follow government regulations (know your customer, anti-money laundering, know your business), even in the midst of a worldwide pandemic.

This onboarding process had to be supported whether you were or were not at a physical location of a financial institution.

  • Whether you were conducting business in person, on a computer, or on a smartphone.
  • Whether you were working with U.S. dollars or (as crypto regulations tightened) something named after a dog or an entire planet or whatever.

How can you support all that?

Liminal’s “Link™ Index for
Account Opening in Financial Services”

Back in 2020 when I was onboarding the new-fashioned way, I had no way of predicting that in less than two years, I would be working for a company that helped financial institutions onboard customers the new-fashioned way.

At the time, I estimated that there were over 80 companies that provided such services.

According to Liminal, my estimate was too low. Or maybe it was too high.

Liminal’s July 2023 report, “Link™ Index for Account Opening in Financial Services,” covers companies that provide onboarding services that allow financial institutions to use their smartphone apps (or web pages) to sign up new clients.

Account opening solutions for the financial services industry are critical to ensuring compliance and preventing fraud, enabling companies to effectively identify new users during customer registration and deliver a seamless onboarding experience. The primary purpose of these solutions is to facilitate mandatory compliance checks, with a particular emphasis on the Know Your Customer (KYC) process.

From https://liminal.co/research/link-index/account-opening-financial-services/

If I can summarize KYC in layperson terms, it basically means that the person opening a financial institution account is who they say they are. For example, it ensures that Vladimir Putin can’t open a U.S. bank acccount under the name “Alan Smithee” to evade U.S. bans on Russian national transctions.

Remember how I found over 80 identify proofing vendors? Liminal found a few more who claimed to offer identity proofing, but thinks that less than 80 firms can actually deliver.

Around 150 vendors claim to offer account opening compliance and fraud solutions in banking, but only 32 (21.3%) have the necessary product features to meet buyer demands.

From https://liminal.co/research/link-index/account-opening-financial-services/

The firms identified by Liminal include my (now former) employer Incode Technologies, plus some others in the industry.

Leading Vendors Profiled

Alloy, Au10tix, Bureau, Caf, Contactable, Effectiv, Experian, FrankieOne, GBG, GeoComply, IDnow, ID.me, iDenfy, IDMERIT, Incode, Jumio, LexisNexis Risk Solutions, MetaMap, Mitek, Onfido, Persona, Plaid, Prove, Refinitiv, ShuftiPro, Signicat, Signzy, Socure, Sumsub, TransUnion, Trulioo, Veriff.

From https://liminal.co/research/link-index/account-opening-financial-services/

Now I have not purchased the entire Liminal report, and even the Executive Summary (which I do have) is “privileged and confidential” so I can’t reprint it here. But I guess that I can say that Liminal used something called the “Link Score” to determine which vendors made the top category, and which didn’t.

I’m not sure how the vendors who DIDN’T make the top category are reacting to their exclusion, but I can bet that they’re not happy.

Writing about Financial Identity

As you can gather, there are a number of issues that you have to address if you want to employ identity proofing at a financial institution.

And if you’re an identity firm or financial institution, you need to provide the right information to your customers, and write it in a way that will motivate your customers to take the action you want them to take.

Speaking of motivating customers, are you with an identity firm or financial institution and need someone to write your marketing text?

  • Someone with 29 years of identity/biometric marketing experience?
  • Someone who consistently tosses around acronyms like ABM, FRVT, KYB, KYC, and PAD, but who would never dump undefined acronyms on your readers? (If you’re not a financial/identity professional and don’t know these acronyms, they stand for anti-money laundering, Face Recognition Vendor Test, Know Your Business, Know Your Customer, and Presentation Attack Detection.)
  • Someone who will explain why your customers should care about these acronyms, and the benefits a compliant solution provides to them?

If I can help you create your financial identity content, we need to talk.

Ontario, California’s July 4 Parade From A Non-videographer

John E. Bredehoft of Bredemarket at the Ontario, California Fourth of July Parade on July 4, 2023 at Euclid and E.

Let’s start with a confession.

I am not a professional videographer.

So why did I shoot video at this morning’s July 4 parade in Ontario, California?

Because I had previously resolved that I needed to recommit myself to video.

From the Bredemarket podcast, https://open.spotify.com/episode/6e0CkM918ytlxHg518b0rc?si=vuv5WuAgQ62W4tRfpgVnkg. Also available on other platforms. This episode is only about a minute long.

And today was the obvious day to recommit.

From the Bredemarket podcast, https://open.spotify.com/episode/5g79mQZZ1w0KpGWjdkGqm4?si=1HxjWpO7R-GXi40PmEvFBg. Also available on other platforms. This episode is even shorter, less than 30 seconds.

Oh, and there were two other reasons.

  1. I know a lot of people who write today’s date as 4/7. In other words, they do not live in the United States. Most of these people have never experienced a U.S. July 4 celebration, and this post is a convenient way to share a 4th of July parade with them.
  2. There are a lot of businesspeople in California’s Inland Empire. They write the date as 7/4, and these businesspeople need to communicate with their prospects and clients. If Bredemarket can’t fulfill their videography needs, then what the heck CAN Bredemarket do for them? A lot, as I’ll explain at the end of this post.

But first let’s look at some parade videos and pictures.

Videos from before the parade

Pre-parade staging, Euclid and 4th. From https://www.youtube.com/watch?v=QbBgfRRJqAE
Euclid and I, 20 minutes before the parade began. From https://www.youtube.com/watch?v=jE5M5GIZcEE

Videos and pictures from the parade

The start of the parade. From https://www.youtube.com/watch?v=AW7wpcu14wM
The Chaffey High School marching band. To ensure that I didn’t violate copyright restrictions on various social media platforms, I made sure to create this video when the band was NOT playing its long-standing theme song, “Eye of the Tiger.” From https://www.youtube.com/watch?v=eoLiObu_l04
Ontario, California Mayor Paul Leon and his wife Cheryl.
These are just a few of the motorized vehicles that appeared in the parade. From https://www.youtube.com/watch?v=JA3CjUwXsi8
On the right you can see a U.S. Marine re-enactment of the famous Iwo Jima picture.
A banner representing Buffy Gutierrez’s Christmas on Pleasant St charity.

The videos and pictures that I DIDN’T take

Obviously this is not a complete document of today’s parade, which had well over 50 participating entries. There were a few notable omissions:

  • Horses. Sorry for not capturing any horse videos or pictures this year.
  • Twirlers. The girls (and at least one guy) who were twirling were exceptionally good.
  • Itty bitty cars. I didn’t see the Shriners this year, but there were at least a couple of participants who drove itty bitty cars around.
  • Those danged bagpipes. Locals know who I’m talking about. I lived near Upland High School for a few years, and was “blessed” to hear them practice early on some mornings. Jeff Pope, they’re yours.

But at least the videos and pictures that I DID take give you a little bit of a taste of what a U.S. July 4th is like.

IE businesses are now wondering what Bredemarket CAN do for them

My European friends can tune out here. This next part is addressed to local businesses.

Specifically, I’m talking to local businesses who need to communicate to their prospects and clients, and therefore have a need for written content that inspires your prospects to find out more about your products and services, and hopefully purchase those products and services.

But before you create that written content yourself, or have someone (such as Bredemarket’s John E. Bredehoft) work with you to create the content, you need to make sure you create the right written content.

Click below to find out how to create the right written content.

Or if you’re already familiar with the six questions, skip ahead and find out how Bredemarket works with you to create the right content for you.

How Does Ontario International Airport Affect Inland Empire Businesses?

As some of you know, I’m applying for full-time employment. Every one of my cover letters has a variation on this sentence.

I am in Southern California, five miles from Ontario International Airport, and can easily travel throughout the United States or to other countries as needed.

By Vmzp85 – Own work, CC BY-SA 4.0, https://commons.wikimedia.org/w/index.php?curid=64427385

You will note that I explicitly state that Ontario International Airport is in Southern California, not Canada. Although the phrase “Ontario CA” can be interpreted as referring to the city in the state of California, or the province in the country of Canada, depending upon how you look at it.

Not that anybody pays attention to my explicit California reference. When I was sharing pictures from the February 18 Ontario Art Walk, and labeling the pictures as originating from Ontario, California, I was still asked to promote one of the pictures on a Canadian Instagram page.

The curse that we endure in the town of the Chaffeys. I bet Mildura doesn’t have this problem.

While Ontario International Airport is not the only airport in the Inland Empire, it is (at present) the largest one, and thus has a dramatic effect on those of us who live here.

But what is that effect?

Good times

There is certainly a positive financial effect. Oxford Economics prepared a white paper entitled “The Economic Impact of Ontario International Airport, September 2022.”

One impact? Well, in the same way that I can board a flight from ONT to my future employer in San Francisco or Austin or Paris or wherever, visitors can board flights to ONT.

And some of those visitors are business visitors. Years ago, I was one of them, flying from Portland, Oregon to some town I had never heard of before for a job interview. Not only did I fly into the airport (Terminal 1 in those days), but I also stayed at the Red Lion Inn and spent other money while I was in town for the interview.

Ontario International Airport Terminal 1 as of September 2021, 20 years after airport traffic changed forever.

Postscript: I got the job. And other jobs after that.

The economists assign a monetary impact to the activity attributable to the airport.

The impact of economic activity taking place at Ontario International
Airport itself, including the activity of the airport authority, airlines
and their suppliers, government workers, airport concessions, and
logistics companies is estimated at $3.8 billion in 2022. This will
support $2.2 billion in GDP and 27,800 jobs. The bulk of these
impacts—71% of the GDP impacts and 76% of the jobs impacts—
reflect the impact of visitor spending in the region.

From https://www.flyontario.com/sites/default/files/2022-11/ONT-Economic-Report-2022.pdf

But don’t forget the government, which gets its own goodies.

This $2.2 billion of local economic activity (GDP) will result in a total
of $571 million in tax impact. This consists of $319 million in federal
tax impacts and $253 million in state and local impacts. As with the
GDP impacts, the majority (71%) of these tax impacts are driven by
the spending of visitors to the region.

From https://www.flyontario.com/sites/default/files/2022-11/ONT-Economic-Report-2022.pdf

And this doesn’t count the impact of the Inland Empire’s logistics industry.

The total economic impact of the logistics activity in the eight zip codes adjacent to Ontario International Airport was $17.8 billion of economic output, $9.9 billion of GDP, and 122,200 jobs. This activity generated $2.3 billion in federal, state, and local taxes.

From https://www.flyontario.com/sites/default/files/2022-11/ONT-Economic-Report-2022.pdf

Bad times

But what of non-monetary impacts? As the description of the Ontario International Airport – Inter Agency Collaborative (ONT-IAC) makes clear, some of those impacts are negative.

The ONT-IAC implements the policies and criteria of the Airport Land Use Compatibility Plan (ALUCP) to prevent future incompatible land uses surrounding ONT and minimizing the public’s exposure to excessivie noise and safety hazards. 

From https://www.ontarioca.gov/planning/ont-iac

There’s always a balancing act between positive and negative impacts. While I might appreciate the ability to board a flight to Dallas at 6:00 in the morning, someone who lives near the airport may not be as appreciative. And the referenced “incompatible land uses” restrict the types of businesses that can be located near the airport.

While the Amazon LGB3 warehouse in Eastvale, California is some distance from Ontario International Airport, the airport’s presence has a positive impact on the warehouse and its workers.

But the relatively large amount of open space near the airport (again, our beloved warehouses) has helped to ensure that ONT does not need to implement the severe flight restrictions found at John Wayne and our former airport overlord Los Angeles International Airport.

And for better or worse the airport will remain for some time. It’s not like it’s going to close down or anything.

Although 9/11, the 2008 recession, and COVID tried to close it.

And one more thing about your business…

Does your firm need to create content for Inland Empire residents, Inland Empire visitors, and others who use your firm’s services?

Are you ready to take your Ontario, Eastvale, or Inland Empire firm to the next level with a compelling message that increases awareness, consideration, conversion, and long-term revenue?

Let’s talk today!

Marketing Ontario, California businesses through blog posts

I just added a page to the Bredemarket website entitled “Blog posts for your Ontario, California business.”

Now that’s Ontario California, not Ontario Canada.

Let me quote a little bit from the page I just created.

For example, let’s say that an Ontario, California content marketing expert wants to target businesses who need blog post writing services. This expert will then create a web page, and possibly a companion blog post, to attract those businesses.

From https://bredemarket.com/iew-ontario-blog/

You’re now reading the “companion blog post.”

Why did I write the companion blog post?

If I’m going to talk about blogging, I need a blog post to go with it, right?

The other purpose of this blog post is to direct you to the web page. I don’t want to repeat the exact same copy from the web page on the blog post, or the search engines will not like me. And you may not like me either.

If you’re an Ontario, California business who is looking for an effective method to promote your firm, and a description of how to move forward, go to the Bredemarket web page “Blog posts for your Ontario, California business.”

Why should I read the web page?

Needless to say, you only need to read the web page if you’re an Ontario, California business. Well, I guess Fontana businesses can read it also; just ignore the video with Mayor Leon and substitute a video with Mayor Warrent instead.

The web page addresses the following topics, among others:

  • Why do you want to use content marketing to promote your Ontario business? (The web page also addresses inbound marketing.)
  • Why do you want to use blog posts to promote your Ontario business?
  • How can an Ontario business create a blog post?
  • How can an Ontario business find a blog post writer?
  • What should you do next?

If you’re asking yourself these questions, go here to find the answers.

And what about social media?

Perhaps you’re reading this blog post because you learned about it on social media.

The web page includes a paragraph on promoting blog posts via social media, if that interests you.

Yes, that’s an old picture. Although some websites still reference Google+ today.

What I Missed About QR Codes in 2021

A lot has happened with QR codes since I last wrote about them in October 2021. (For example, the Coinbase Super Bowl ad in 2022, and its demonstration of security risks.)

Now that I’m revisiting my October 2021 post on QR codes, I wish I could change one word to make myself look smarter.

See if you can guess which word I want to change.

I have since chosen to adopt QR codes for some of my Bredemarket work, especially in cases where an online reader may need additional information.

From https://bredemarket.com/2021/10/15/a-qr-code-is-not-a-way-of-life/

Did you find it?

Instead of writing “online,” I should have written “offline.”

I don’t know whether I just made a typo, or if I intentionally wrote “online,” but I shouldn’t have.

Why QR codes rarely make sense online

Because if you’re online, you don’t need a QR code, since you presumably have access to a clickable URL.

But if you’re offline—for example, if you’re watching a commercial on an old-fashioned TV screen—a QR code makes perfect sense. Well, as long as you explicitly identify where the QR code will lead you, something Coinbase failed to do in 2022. “Just click on the bouncing QR code and don’t worry where you’ll go!”

But there’s one more place where QR codes make sense. I didn’t explicitly refer to it in my 2021 post, but QR codes make sense when you’re looking at printed material, such as printed restaurant menus.

Or COVID questionnaires.

Which reminds me…

What I didn’t tell you about the Ontario Art Walk

…there’s one story about the Ontario Art Walk that I didn’t share in yesterday’s post.

After leaving Dragon Fruit Skincare, but before visiting the Chaffey Community Museum of Art, I visited one other location that I won’t identify. This location wanted you to answer a COVID questionnaire, which you accessed via a QR code.

I figured I’d do the right thing and answer the questionnaire, since I had nothing to worry about.

  • I was vaccinated.
  • I was boosted.
  • I hadn’t been around anyone with COVID.
  • I didn’t have a fever.

I entered the “right” response to every single question, except for the one that asked if I had a runny or stuffy nose. Since I had a stuffy nose, I indicated this.

But hey, it’s just a stuffy nose. What could go wrong?

When I finished the questionnaire, I was told that based on my answers, I was not allowed in the premises, and if I was already in the premises I should leave immediately.

Which I did.

And which is why I didn’t write about that particular location in yesterday’s post.

Bredemarket, pressing the flesh (sometimes six feet away)

But back to non-health related aspects of QR codes.

The Ontario Art Walk was actually the second in-person event that I had attended that week. As I noted on Instagram, I also went to a City of Ontario information session about a proposed bike lane.

Now that COVID has (mostly) receded, more of us are going to these in-person events. My target market (businesspeople in the United States) is mostly familiar with the century-old term “press the flesh.” While it usually applies to politicians attending in-person events, it can equally apply to non-political events.

Whenever I go out to these local events, I like to have some printed Bredemarket collateral handy in case I find a local businessperson looking for marketing services. After all, since I am the Ontario, California content marketing expert, I should let relevant people in Ontario know this.

In those cases, a QR code makes sense, since I can hand it to the person, the person can scan the QR code on their phone, and the person can immediately access whatever web page or other content I want to share with them.

On Saturday, it occurred to me that if I ran across a possible customer during the Ontario Art Walk, I could use a QR code to share my e-book “Six Questions Your Content Creator Should Ask You.”

Unfortunately, this bright idea came to my mind at 5:30 pm for an event that started at 6. I dummied up a quick and dirty page with the cover and a QR code, but it was…dirty. Just as well I didn’t share that on Saturday.

But now that I have more time, I’ve created a better-looking printed handout so that I’m ready at the next in-person event I attend.

If we meet, ask me for it.

Making myself look less smart

Well, now that I’ve gone through all of this trouble explaining how QR codes are great for offline purposes, I’m going to share the aforementioned handout…online.

(UPDATE OCTOBER 22, 2023: “SIX QUESTIONS YOUR CONTENT CREATOR SHOULD ASK YOU IS SO 2022. DOWNLOAD THE NEWER “SEVEN QUESTIONS YOUR CONTENT CREATOR SHOULD ASK YOU” HERE.)

Which has probably prompted the following question from you.

“Why?”

Four reasons:

  1. It gave me the excuse to post the question “Why?” above, thus reiterating one of the major points of the e-book.
  2. Because I felt like sharing it.
  3. Just in case you don’t make “Event X” that I attend in the future, you can experience the joy of printing the flyer and scanning the QR code yourself. Just like you were there!
  4. To demonstrate that even when you provide a piece of content with a QR code, it’s also helpful to explicitly reveal the URL where you’ll head if you scan the code. (Look just below the QR code in the flyer above.) And if you receive the flyer in online form rather than printed form, that URL is clickable.