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Startups 101: How to Create a Business PlanThe first thing you need to do is create an executive summary and a mission statement.  After that, you need to study your market, compare yourself to your competition, create a share structure, outline financials, and fill out the rest of the pertinent data like the other people suggest.Below is an example of the last executive summary and mission statement that I created for a company I was planning to launch earlier this year.Since I own the company, wrote this from scratch, and decided that I will not be launching this product, I decided to share. (Yes, it is heavily focused on marketing, but that's my primary expertise, if I'm even somewhat good at it... Who in the world knows...)I worked with a Product CEO and operated as the COO at this company and recruited a highly talented team, however the Product CEO decided to part ways so we scrapped the business.Also, you may not want to make a public benefit company unless you already have investors you can turn to for sure who don't care what kind of business you own. If you are seeking to raise money from venture capital, then it is highly unlikely that they will invest into your model. 1.0 EXECUTIVE SUMMARYCompany Name | Tagline | An American Public Benefit Company Founded in February of 2013, (“SE”) features contemporary women’s fashions specializing in comfort, fit and sexiness, established by a diverse group of individuals, led by the C.E.O. Ms. Lee.  SE holds idealistic aspirations of giving back to the underprivileged, creates American Jobs and gives back to the community, while keeping the clientele engaged through social interactions  SE provides:  • A Philanthropic Vision.  • Patriotism.  • Quality Clothing.  • Best Styles for women of the 21st Century.  • Quality Content. • An Interactive Community.  SE’s innovative design and marketing team constructs visionary product campaigns and strategies, designed to push SE to the forefront of the industry. Derived from the fictional character, Sophia Serrano, from the film Open Your Eyes, SE’s inspiration is characterized by Sophia’s radiant qualities of being: positive, down-to earth, original, mysterious, sexy, and guileless in a perfect world.  Sophia is the “ideal” woman because not only is she divine in nature, she is able to cope through the greatest obstacles that obstruct her from her path. Simultaneously, Sophia is so unique, she makes a man follow her into the afterlife of his dreams. Not only did she (tagline) in the real world, she left him in need of her in the afterlife.  SE wants other fashion brands and the world to know that everyone in this world matters, no matter your race, ethnicity, financial background or country of origin.  SE empowers people to make a difference by:   • Helping the Underprivileged Children of America. • Creating American Jobs.  • Providing a more Eco-Friendly environment.  All of SE’s products are made in the United States, providing more opportunities to influence economic growth.  SE ensures no usable fabric goes to waste by collecting all the scraps of fabrics and donating the items to (charity), with the sole intent to create exclusive items, blankets, or articles of clothing for the less fortunate. In addition, SE donates 10% of all sales to (charity) , to help feed, clothe, and provide shelter for the less fortunate.SE plans to take a creative approach to branding and marketing the company.  Not only will SE use traditional methods of marketing, such as mailing clothes to celebrities, look books to bloggers and editors, buying editorial spots, sponsoring events, and advertising online, SE will take grass root efforts to the next level in attracting hits to the website, along with social media to keep the clientele engaged. Sending celebrities, fashion editors and bloggers free gifts never guarantees the promotion of an item, so SE has decided to implement a revenue sharing program with its clothing. Each individual influencer will have a personalized URL to direct their clients to SE’s website. Each purchase made within thirty days by the referral of an “influencer” will generate an earnings check of $25 to the referrer. Checks will be cut once the accumulated balance signNowes $300, or can be exchanged to store credit. SE will seek out make up artists, photographers, stylists, and other professionals within the fashion industry to provide an opportunity to earn an extra source of income through its revenue sharing program. SE will also provide clothing to stylists, to have featured in editorial along with video content. SE’s grassroots efforts will take place in the form of carefully selected event sponsorships. Through event sponsorships, models will be showcased wearing the SE product through a trade booth. SE will take pictures of celebrities who try on the products and feature blog posts through social media efforts of the celebrities, while distributing the highly sought out images to fashion bloggers. SE will then pass out $10 SE Clothing Branded Gift Cards to people who fit the role of the target consumer of the brand at the event. Initially, 50,000 gift cards will be made for distribution within the first year, of which we expect at least 25,000 to visit the website URL.  SE will implement a referral based program, where if a friend is referred to purchase an item through the SE website through their email or social media link within 30 days, the customer will have the choice to have one of the following occur: • $25 will be credited to the referrer’s account for Future Purchases. • $25 will be donated to the referrer’s Charity of Choice. The referee will also receive $10 credited off their first purchase. Studies indicate that 1 out of every 3 customers will refer their friends to a site that they trust and enjoy.  SE will partner with publishers and affiliates such as Google Affiliate, Commission Junction, Avantlink, Affiliate Window, Webgains, Pepperjam, Integrate, Etc. to allow professionals to earn a profit by referring their clientele to purchase items from SE.  In order to create better organic SEO (Search Engine Optimization) results to guide more online traffic to the website, SE will carry lines of both popular name brand and up-and-coming American Made products by other designers, such as Nasty Gal, Diesel, Ralph Lauren, Armani, Etc. In order to acquire the product necessary, SE will create a strategic partnership with its manufacturer to sell their excess inventory.  Once new customers visit the SE site, they will be given an opportunity to register on the site to claim their $10 credit. Through registration, information such as the customer’s name, email address, phone number, address, and social media profiles will be gathered.  Once the customer registers, they will be able to access the site. A welcome email will be sent to the customer within one day, welcoming them to the site. Within 5-7 business days, a letter stating SE’s appreciation of the customer with an outline of the brand’s philanthropic vision will be physically mailed to the customer on company letterhead and hand signed by the C.E.O., Ms. Lee. The customer will then be emailed, informing them that their gift card will expire in 30 days, 3 weeks, 15 days, 7 days, 3 days, 2 days, and a final offer email. This cycle will repeat for another 30 days for a total of 60 days, which will trigger a sense of urgency within purchasing an item within the allotted timeframe.  SE will engage with customers by providing the first few sentences of educational content through email, while providing links to the blogging section of the website to read the full article, along with social media efforts on Pinterest, Facebook, Twitter, DeviantART, Tumblr, Google+, Polyvore, Wanelo, Quora, Lyst, Etc. to build trust with the clientele, and keep them engaged with the brand. SE will track user activity through analytic services provided by Kissmetrics to measure which campaigns work best, to better understand our audience. SE will influence increases in transaction sizes by donating one item to charity for every $300 spent in a single transaction. Not only would revenues increase, the philanthropic vision would accelerate to creating a bigger influence to society, which in turn will create a better image for the brand. SE will have a section on the site where users can upload images of their new purchases, how they pair their outfits, provide feedback to others, and like other consumer’s styles, creating an engaged society of buyers who become advocates and prosumers of the brand.  SE will begin sales on the retail website, then slowly trickle into many online boutique stores, physical boutique stores, then into major department stores. Since bulk purchases from vendors decrease manufacturing costs, the business model is extremely scalable. As SE becomes a more established brand, price increases will be implemented in 10% increments per season, increasing profit margins while manufacturing costs decrease. SE will create separate databases for consumers who have at least purchased one item and another database for loyal consumers. In regard to the database of consumers who have purchased, collateral material providing a promo code for a promotional discount will physically be mailed to the clients two weeks prior to an anniversary or holiday sale, to provide exclusive access to the promotion. SE will randomly select users from the loyal consumer database to provide a free gift with purchase, expedited or free shipping, and various other promotional tools to reward brand loyalty.  Once SE establishes a loyal client base, verticals will be integrated one product at a time in minimal quantities, initially to test the market to see how well the product does. Verticals will range from products such as cosmetics, shoes, handbags, hats, stockings, scarves, jewelry, and other womenswear based products. Led by C.E.O. Ms. Lee, SE has hand selected a managerial team of 8 creative unique individuals to grasp a portion of the $500+ billion dollar market by creating quality content, negotiating with vendors, managing finances, and laying out the long term growth of the company, all while creating beautiful product.  10 years from now, in the year 2023, SE plans to be acquired by LVMH, PPR, Richemont, Valentino Fashion Group, The Aeffe Group, Puig, Diesel, Phillips-Van Huesen, Hermes, Liz Claiborne, Inditex, The Arcadia Group, or Aurora Fashion for a strike price of $300 million. SE is currently seeking seed financing in the amount of $275,000 to be used to cover manufacturing, marketing, legal and operational expenses to establish the brand. MISSION STATEMENTUnited together, SE’s commitments to society are as follows:#1. To Mother Earth:We vow to make sure that no usable fabric is wasted. All usable scrap material will be recycled into specialty items, blankets or created into articles of clothing for the less fortunate.#2. To Our Nation:We vow to Shop American. We vow to only manufacture our product in America. We are creating American jobs and doing our part in rebuilding the American economy.#3. To Our World:We vow to take a stance against child labor. We take a stance against the Chinese sweatshops with hazardous work conditions.#4. To The Less Fortunate:We vow to provide food, clothing, and shelter for children who are unable to take care of themselves, especially the ones right here at home.#5. To Our Customers:We vow to make sure you feel beautiful and (tagline). We vow to create the sexiest, most reliable products made from the best material we can find. We will provide the best fit possible. We will listen to your opinions and make decisions based off of your feedback. Your voice will be heard. #6. To Our Design PartnersWe vow to provide our client base accessibility to your designs to increase your exposure in the market place. Whether you are a small designer who is just beginning or an established brand, there is a place here for you to showcase your items, as long as the product is manufactured here in America.#7. To Our Employees: We vow to bring the jobs back home and provide fair wages. We vow to provide a fun and friendly stress-free work environment.#8. To Our Shareholders:We vow to provide you a seat on our board. We vow to listen to your expertise. We vow to provide returns in a timely manner. We vow to fulfill your philanthropic vision.Oh, it might be in your best interest to include a mind map as well.The first five pages should include the following information:BUSINESS DEVELOPMENT PLAN MARCH 2013 ****** CONFIDENTIALITY & DISCLOSURE NOTICE ****** IMPORTANT: This document is for information purposes only and sent at your request and is covered by the Electronic Communications Privacy Act 18 U.S.C. 2510‐2521. This is neither a solicitation of investment nor an offer to sell and/or buy securities. This communication may contain non‐public, private, confidential or legally privileged information and documents intended for the sole use of the designated recipient(s). The unlawful interception, use or disclosure of such information is strictly prohibited under the applicable laws of the U.S.A. and the State of Nevada. Any review, retransmission, dissemination or other use of, or taking of any action in reliance upon this information by persons/entities other than the intended recipient is prohibited. If you received this document and / or a transmission of this document in error, delete any electronic copies of this document and / or return this document to (Name, Address) CONFIDENTIALITY & DISCLOSURE NOTICE IMPORTANT: This document is for information purposes only and sent at your request and is covered by the Electronic Communications Privacy Act 18 U.S.C. 2510-2521. This is neither a solicitation of investment nor an offer to sell and/or buy securities. This communication may contain non-public, private, confidential or legally privileged information and documents intended for the sole use of the designated recipient(s). The unlawful interception, use or disclosure of such information is strictly prohibited under the applicable laws of the U.S.A. and the State of California. Any review, retransmission, dissemination or other use of, or taking of any action in reliance upon this information by persons/entities other than the intended recipient is prohibited. If you received this document and / or a transmission of this document in error, delete any electronic copies of this document and / or return this document to (Name, Address) CONFIDENTIALITY AGREEMENT The undersigned reader acknowledges that the information provided within this Business Development Plan (“BDP”) is confidential; therefore, reader agrees not to disclose it without the express written permission of SE. It is acknowledged by reader that information to be furnished in this BDP is in all respects confidential in nature, other than information which is in the public domain through other means and that any disclosure or use of same by reader, may cause serious harm or damage to SE and other sources identified herein. The information, estimates and projections contained herein have been prepared by SE in good faith and on a basis believed to be reasonable; such estimates and projections involve signNow elements of subjective judgment and analysis. No representation or warranty, expressed or implied, can be made as to the accuracy or completeness of such information, and nothing contained in this BDP is, or shall be relied upon as, a promise or representation as to the past or the future. This BDP is submitted in connection with the evaluation of a potential transaction and may not be reproduced or used, in whole or in part, for any other purpose.  Upon request, this document is to be immediately returned SE,.  ___________________ Signature  ___________________ Name (typed or printed)  ___________________ Date This is a Business Development Plan. It does not imply an offering of securitiesFORWARD LOOKING STATEMENT This document may contain certain forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, including, but not limited to, statements as to future operating results and plans that involve risks and uncertainties. We use words such as “expects”, “anticipates”, “believes”, “estimates”, the negative of these terms and similar expressions to identify forward looking statements. Such forward-looking statements involve known and unknown risks, uncertainties and other factors which may cause the actual results, performance or achievements of the Company to differ materially from any future results, performance or achievements expressed or implied by those projected in the forward-looking statements for any reason. References herein to “the Company,” “we,” “our,” “us” and similar words or phrases are references to SE, and/or its subsidiaries, unless the context otherwise requires.  CONTACT INFORMATION Inquiries may be directed to the appropriate party below:Leonard Kim COO SEAddress:Phone: Fax: Email:The Table of contents should include the following information that no one, aside from analysts read:TABLE OF CONTENTS 1.0 EXECUTIVE SUMMARY1.1 OBJECTIVES1.2 MISSION1.3 KEYS TO SUCCESS 2.0 COMPANY SUMMARY2.1 CAPITALIZATION SUMMARY2.2 COMPANY LOCATIONS AND FACILITIES.3.0 PRODUCTS AND SERVICES3.1 THE SE TECHNOLOGY3.2 COMPETITIVE COMPARISON3.3 MARKETING MATERIAL3.4 TECHNOLOGY FULFILLMENT3.5 FUTURE PRODUCTS AND SERVICES4.0 MARKET ANALYSIS SUMMARY 4.1 MARKET SEGMENTATION 4.2 TARGET MARKET SEGMENT STRATEGY4.2.1 MARKET NEEDS4.2.2 MARKET TRENDS 4.2.3 MARKET GROWTH4.3 SERVICE BUSINESS ANALYSIS 4.3.1 BUSINESS PARTICIPANTS 4.3.2 DISTRIBUTING A PRODUCT 4.3.3 MAIN COMPETITORS 5.0 WEB PLAN SUMMARY5.1 WEBSITE MARKETING STRATEGY5.2 DEVELOPMENT REQUIREMENTS6.0 STRATEGY AND IMPLEMENTATION SUMMARY6.1 SWOT ANALYSIS 6.1.1 STRENGTHS6.1.2 WEAKNESSES 6.1.3 OPPORTUNITIES6.1.4 THREATS6.2 STRATEGY PYRAMID 6.3 VALUE PROPOSITION6.4 COMPETITIVE EDGE 6.5 MARKETING STRATEGY SUMMARY6.5.1 POSITIONING STATEMENT 6.5.2 PRICING STRATEGY6.6 SALES STRATEGY 6.6.1 SALES FORECAST 6.7 MILESTONES7.0 MANAGEMENT SUMMARY 7.1 ORGANIZATIONAL STRUCTURE 7.2 MANAGEMENT TEAM 7.3 MANAGEMENT TEAM GAPS 7.4 PERSONNEL PLAN 8.0 FINANCIAL PLAN8.1 START-UP FUNDING 8.2 KEY FINANCIAL INDICATORS8.3 BREAK-EVEN ANALYSIS 8.4 PROJECTED PROFIT AND LOSS 8.5 PROJECTED CASH FLOW 8.6 PROJECTED BALANCE SHEET 8.7 BUSINESS RATIOS 8.8 THE INVESTMENT OFFERING8.9 VALUATION8.10 USE OF FUNDS9.0 APPENDICESTABLE: SALES FORECAST TABLE: PROFIT AND LOSS TABLE: PROFIT AND LOSS TABLE: CASH FLOWTABLE: CASH FLOWTABLE: BALANCE SHEETIf you're using a business plan to try to attain a loan for a small business... I took a different business plan for a nightlife company, brought a cofounder with a 680 credit score, and went to Long Beach SBDC and they helped me get approved for a loan from a credit union for $30,000 two years ago. The whole process took less than a week, since we already had our business plan finished prior to showing up. We ended up not taking the loan because our programmer ran off with the money we had paid him prior without delivering our technology.There are Small Business Development Centers, sponsored by the Small Business Association, all across the United States that will help you make a business plan for free, read it, and even shop it out for business loans.If you're using a business plan to attain financing from an Angel Investor or VC, then all that matters is your executive summary and your slideshow. I mean, you still need the other data filled in, but these are the only two areas of which they put their main focus on. However, a lot of investors use two financial analysts to carefully go over every detail within a business plan prior to investing their own cash. So, the fine details are pretty important regardless of what anyone else says. Also, if you need to know how to split equity with your startup, read more here: How much equity do you give early employees when the company is bootstrapped?Read more at my blog: Startups 101: How to Create a Business Plan

Hi allDocuments for Electronic signatures have helped in making transactions and donations possible, users can make pledges and fulfill their pledges using electronic signatures Electronic signatures have been found by its user to be more friendly than the manual processes that require a lot of procedure before getting documents signed.Electronic signatures are not just useful for organizations to become more effective, they are also creating a huge positive impact on society. Improvement in technology is equivalent to a quality living. It should be recognized that implementing latest technologies does not only increase the return on investment (ROI) but also give people a better quality of living. However, electronic signatures are only applicable to Documents for electronic and these documents are classified into four formats which are• Word files• Spreadsheet• Portable document format (PDF)• PowerpointI will suggest one of the Good Construction software provide documents for electronic signatures CONSYSA (Construction systems of America)Login free with Consysa and Get StartedFollow· 23Request

The Reserve Bank of India introduced the Cheque Truncation System (CTS) throughout the country, after it was introduced in NCR on a pilot basis, from August 1, 2013.An Electronic Cheque is a Cheque which contains the exact mirror image of a paper cheque and is generated, written and signed in a secured system, ensuring maximum safety with the use of digital signature with or without bio-metrics.The Section 6 of the NI Act was, therefore, amended in December 2002, to include a cheque in electronic form and truncate a cheque transacted during the clearing process.WHAT IS CHEQUE TRUNCATION?Truncation is a process of stopping the flow of physical cheques issued by a drawer to the drawee branch. In this process, a physical cheque is truncated at some point en-route to the drawee branch and an electronic image of the cheque would be sent to the drawee branch along with the relevant information like MICR fields, date of presentation, presenting banks, etc., In other words, the images of the cheques captured at the presenting bank level would be transmitted to the Clearing House and then they are sent to the drawee branches with digital signatures of the presenting bank.Advantages of CTS:The CTS is a safe, secured, faster and effective system for clearing of the cheques.2. It would also reduce the time required for payment of cheques. In otherwords, it is faster.3. It also helps reduce the cost associated with the transit of cheques.4. The CTS helps in reducing the delay in processing the cheques in the clearing cycle.5. The CTS will also help to reduce the frauds associated with the movement of cheques from one bank to another.DISADVANTAGES:Costly to Implement: A successful implementation of Cheque Truncation system in a country involves the participation of all banks. That means, the cost of implementing such a system becomes costly.Declining Clearing House Payment Mechanism: Cheque volumes are said to be decreasing at a slow but steady rate, thanks to innovations in technology. Banks are therefore skeptical to invest too much of money in this regard.New Hardware, Software, Systems, and Processes all add to the complexity of the new system, making it that more difficult to justify cost against other payment technologies. Dr. M J SUBRAMANYAM

Good question. My guess is either:Satoshi was a truly selfless individual who wanted bitcoin to remain consensus based.Satoshi is dead and is not really committed to anonymity; orSatoshi is actually a group of people. Probably including several of the likely suspects below. Although the original code may have been written by one person the language in chat rooms, message boards and even the white paper itself suggest many unique contributors. Given this vision there were also probabaly non coders/developers who helped distribute the idea and were essentially “the political advocates” who brought the code to the internet at large. These are likely some of the people listed below that I have seen referenced as “potential Satoshi’s” (although none of these leads ever panned out).In a 2011 article in The New Yorker, Joshua Davis claimed to have narrowed down the identity of Nakamoto to a number of possible individuals, including the Finnish economist Dr. Vili Lehdonvirta and Irish student Michael Clear , then a graduate student in cryptography at Trinity College Dublin and now a post-doctoral student at Georgetown University.In October 2011, writing for Fast Company, investigative journalist Adam Penenberg cited circumstantial evidence suggesting Neal King, Vladimir Oksman and Charles Bry could be Nakamoto.They jointly filed a patent application that contained the phrase "computationally impractical to reverse" in 2008, which was also used in the bitcoin white paper.May 2013, Ted Nelson speculated that Nakamoto is really Japanese mathematician Shinichi Mochizuki.Later, an article was published in The Age newspaper that claimed that Mochizuki denied these speculations, but without attributing a source for the denial.A 2013 article in Gawker listed Gavin Andresen, Jed McCaleb, Casey Botticello, or a government agency as possible candidates to be Nakamoto. Dustin D. Trammell, a Texas-based security researcher, was suggested as Nakamoto, but he publicly denied it. Casey Botticello, the head of the Cryptocurrency Alliance has refused to comment.In 2013, two Israeli mathematicians, Dorit Ron and Adi Shamir, published a paper claiming a link between Nakamoto and Ross William Ulbricht. The two based their suspicion on an analysis of the network of bitcoin transactions, but later retracted their claim.Some considered Nakamoto might be a team of people; Dan Kaminsky, a security researcher who read the bitcoin code.

2 words: Visa, Mastercard.First, disperse the idea that these are finance companies. They are technology companies that work almost exclusively in the finance industry.Step 1 - Start:What Visa and Mastercard do is access the data in real time. The data is not stored by them, just accessed. So when you use your SBI card in an HDFC machine, the card details are encrypted with X25 protocol, and sent to Mastercard servers (since SBI cards are issued under Maestro label which is managed by Mastercard). Here you have provided access to Mastercard into your bank details and passcode.Step 2-A:Once these details are verified, Mastercard sends back the encrypted details to HDFC machine about the validity, passcode and account balances. But, not all the details are sent at once. At first, the machine receives validity details. Once the validity is proven the validity data packet is suspended (not destroyed/dismissed/ended). The transaction moves forward and you are asked for your passcode. Once the 4-digit code is entered, the machine fetches the passcode data packet and verifies it. Depending on the machine, this may take more or less time. So instead of making the customer wait, the passcode verification happens in the background, and the transaction moves forward.Step 2-B:You now enter the amount you want to withdraw or some other transaction like mini-statement that you want to perform. The account balances packet provides the information of whether the amount is available and the machine's programming decides whether the amount is under the top limit, more than the minimum limit, and if the amount is valid.e.g. top limit of 15,000 but you can withdraw only 10,000 at a time from HDFC machines but 15,000 from SBI machines. This is from machine's programming. The amount has to be a minimum of 100. This is the machine check. The amount has to be in multiples of 100, but if you enter 900 and the machine has currency notes only for 500, you are informed so. This too is the machine check part. If all these conditions are satisfied, the last part is balance check, whether you have sufficient balance to withdraw the amount you entered. This is the Mastercard part.Step 3:Once the transaction is verified, BEFORE the money is dispensed, the passcode verification comes back with a reply. You might have experienced a delay of couple of seconds during high-transaction periods like 6:30 to 8:30 pm in India. This is because of the passcode verification part. So many verifications to process in so little time... hence, you need to wait for a second or two.If the reply is True, i.e. the passcode you entered matches the passcode stored in SBI database, the money is dispensed. If the reply is False, you get an error message and the transaction starts all over again.Step 4 - End:In either case, the transaction is said to be complete. All the data packets Mastercard had sent are now duplicated, and sent to the SBI servers along with the details of the transaction you just performed (the place, time, duration of transaction, start time, end time, amount, verification details, technical time duration of the transaction, technical start times and end times, et al - a LOT of data). Once the SBI servers respond with a signal that they have received and stored the data that was sent to them, Mastercard makes the data packets vanish into thin air, they are destroyed.This is the true end of transaction.Data Storage:So, as you see in this process, nowhere are your banking details stored except for your bank. Mastercard stores the details necessary to track the transaction - account number, times, places, amount withdrawn. But no details about your banking account like birth dates, addresses, balances, signatures, et al. This is why on the receipt of the ATM transaction, you see last digits of your account number, and not your name (if the name part was made possible, it'd have an incredible marketing potential).Access Mesh:More or less the same methodology is used by Visa. The tech will be similar to the upcoming RuPay cards. These companies have individually been given access by the banks and by the government to implement this technology that makes our lives and banking easier. Also, they are always under strict scrutiny.These companies have also granted access to each other so that Visa cards work on Mastercard machines and vice versa. The ATMs are configured to allow access to both. If a third company comes into the market, the machine firmware will need to be updated to allow access to that card e.g. RuPay. Also, RuPay will have to establish connection with Visa and Mastercard and all the banks. It is an incredibly complicated mesh. But RBI makes it look easy and helps such companies through the process.I apologize for a too-detailed response. The electronic payment processing is a subject very close to me personally. I think i have answered your question adequately amongst all this gyan. Please feel free to share any of your further queries and questions. I won't make the response this long, promise!

My friend Anbazhagan has made a good answer which I suggest to read first before reading mine on this regard, as this answer is a continuation of his answerAnbazhagan's answer to Is Kerala better than Tamil Nadu in tourism?If you read Anbazhagan’s answer, he clearly used charts and reports to showcase how TN is a leading tourist destination. And its a fact.TN is one of India’s top 5 tourist hubs, far higher than Kerala.Ofcourse, there are some flaws or misreadings in the stats of India tourism, because of certain anomalies in calculating foreign tourist arrivals (FTAs). India Tourism calculates Foreign Tourists on basis of Tourist visas and Electronic Tourist Visa (ETVs) issued. And interestingly, even entry of People of India Origin (PIO) who can enter India Visa-free are also calculated as Foreign Tourist. More interestingly, they are calculated as a new tourist each time whenever they make multiple entries into the country. So if a tourist in India, say after touring UP moves to Nepal or Bhutan and then enters back into India, it's calculated as a fresh/new tourist.The primary flaw is that it calculates Non-Tourists as tourists. As I explained as a comment to Anbazhagan’s answer, there are huge Indian diaspora around the world, who have obtained citizenship of other countries where they live. When they visit India as part of visiting their family, friends or relatives (VFR Traffic- Visiting Friends/Relatives), they are counted as tourists. Take Tamil Nadu’s case. There is a huge Tamil diaspora in Malaysia, Singapore and Far East nations, who are legal citizens of those countries. They visit annually to TN to meet their family and friends. But this is counted as tourists.This VFR traffic may not use regular hotels or avail tourism products as such, as their intention may not be sightseeing etc. They may stay with their family or friends for a few days and return back, thus contributing little to the local economy as tourists. But India considers even such traffic as tourists.If we check India tourism statistics, the biggest source country for tourists into India is from Bangladesh. This means Bangladeshis make a whopping 21.9% of total foreign tourists into India.But in reality, they are not tourists. Bangladeshis are essentially part of Bengali culture of Greater Bengal. Just because a borderline drawn between West Bengal and Bangladesh, it doesn’t make them foreigners in reality. They have families, friends, relatives back in West Bengal and regularly visits them both legally and illegally. And Kolkatta is more popular transit location for Bangladeshis than Dhaka or Chittagong. So essentially Bangladeshi citizens cross more into India legally. And it's very easy for them to cross, as they all need a valid air/rail/bus ticket to India to get an instant Walk-In Visa. Its just matter of a day or two. In other words, for Bangladeshi to enter into India, it's much similar for someone in Chennai going to Bangalore or Hyderabad to meet their friends or relatives.So essentially, you see even West Bengal ranked the 6th top destination for FTAs, thanks to the huge influx of this traffic. Same applies to Punjab.TN’s huge Tamil Diaspora in Far East countries and Western countries, make a huge number in FTAs.Secondly, prior to the introduction of Business E-Visas, most of the businessmen/corporate executives who enters India for short Business purposes like client visits, meetings etc used to take Tourist visas rather than Business visas. This is because obtaining the latter is a more complicated and cumbersome process which used to involve a visit to Indian embassies for biometrics and a longer processing time etc, while tourist visas were faster and easier. Even now, many foreign corporate executives prefer tourist visa to enter India to avoid Indian Economic agencies like DRI, Enforcement, IT etc scrutinizing their business interests. After all, once entered into India, unless caught for some legal offences, there is no way to check the purpose of visit into India by foreigners.Chennai is India’s 4th largest metro and one of the biggest business hubs in the country and thus a lot of foreign corporate executives and businessmen enters into India via Chennai using Tourist visas. This also inflates the tourism figures.However, the above similar concept doesn’t apply to Kerala, as Malayalee Diaspora are primarily concentrated in the Middle East and they ARE NOT LEGAL CITIZENS of Middle East countries. So essentially when NRKs (Non-Resident Malayalees) visit Kerala annually for this same VFR, they enter India as Indian citizens using Indian Passports, thus NOT COUNTED as FTA. So as Kerala is not a major Business destination like Chennai or Bangalore, to we don’t have Business traffic entering on tourist label.So essentially the foreign tourist's arrival shown for Kerala are more of actual leisure tourists who come into the state for tourism purposes more than VFR or corporate traffic.The concept of tourism differs in a big way between TN and Kerala.Kerala tourism since 1999 has focused on High Value-Low Volume traffic. Prior to 1999, Kerala tourism was very typical to most of the Indian tourist destinations. We had lot of low-value backpackers, mostly from Russia and old Soviet countries visiting Kerala, primarily to spend a few days in Kovalam Beach and leave. They spend very low in the state as they were mostly backpackers. Due to this reason, more than resorts, it was lodges and cheaper accommodation that came up in Kovalam to attract this traffic. And this traffic created many legal issues, particularly the rise of sex tourism and drugs. The 1989-released Malayalam movie- Season was a brilliant take on rising Drug business and sex activities in KovalamIn 1999, when Amitabh Kant (current CEO of Niti Aayog and one of the celebrated bureaucrats of the country)became Director of Kerala Tourism, he redefined the concept of tourism for Kerala.Kerala: Gateway Of IndiaIncredible India: When public sector advertising turned savvyHis primary vision was that Kerala shouldn’t move in the direction which Thailand was moving and wished Kovalam not be another Phuket. He wanted Kerala to be a high-value destination. And it's here, the entire reorientation of tourism started. This included stopping of many charters, cancellation of licences for many lodges and frequent raids across hotels/lodges to dislocate the concept of cheap tourism and create a fear factor for those involved in sex and drug tourism.It was this time, the brand Kerala- God’s Own country came into full swing and eventually it became India’s first and only tourism superbrand.The underlying principle of Kerala tourism was EXPERIENTIAL TOURISM.If you visit TN or Rajasthan (two top tourist hubs of India), its more of SIGHTSEEING tourism. There are huge forts, grand palaces, mega bazaars etc as in case of Rajasthan and magnificent temples, UNESCO heritage sites etc as in the case of Tamil Nadu.There are no such things for Kerala. There are no major forts, palaces or even Grand temples to visit as far as Kerala is concerned. Even those grand or big temples in Kerala, they are STRICTLY OFF for tourism as Malayalees don’t allow Non-Hindus and foreigners into any Kerala temple. So as there are no guides or anyone to explain the temple sightings to the outsiders. And such attempts are normally discouraged. For example, I had a recent experience when I was trying to explain the meanings of historic paintings to a North Indian friend of mine while visiting the famous Vadakkumnathan temple. Those 2000 years old paintings were restored recently using old techniques and won a UNESCO award for heritage conservation. So while explaining the meaning gigantic Nataraja painting inside the Nalambalam (Inner temple), a security guard came and showed me a board on the other side, which says - “Navvu Namajapattinnu Matram (Tongue for Holy Chants only)” which means silence. On the contrary, you can see 1000s of both authorized guides and touts to explain every bit of historic temples of Madurai or Thanjavur or similar which one can’t see in Kerala. Those Non-Malayalees who visit huge temples of Sree Padmanabhaswamy temple of Trivandrum surely misses every single grandeur sightings of that temple, due to lack of explanation. So as despite of huge treasure there, none are exhibited citing temple rules that properties of the deity are meant for his personal use, not for public exhibition. Had the same been in Egypt, you would see magnificent museums to showcase these unique treasures that grabbed international headlines.So essentially there is nothing much to see in Kerala. So as part of reorientation, the full focus changed to pure experiential tourism.Tourists who come to Kerala seek for discovering their self, their inner emotions by syncing with nature and lazing simply.Take the example of the biggest tourism product of Kerala- the Houseboat trips on Alleppey Backwaters. For the first 10–20 mins, you will be excited to see a lavish houseboat with all modern amenities, which is nothing but a hotel on water. Then for the next 30 mins, you will be excited to see the natural beauty of backwaters, the greenery etc. After that, nothing. You just gaze yourself into never-ending greenery, fields etc and then into a large lake where you see nothing on the horizon. And the houseboat is essentially cut off from everything. No internet, no television etc. So what you do? Just gazing into nature and slowly making yourself rewind your own past and a back-trip to your memories and life etc. If you are going with a group, you just chill or party with your friends, talk for hours with them directly and unwind yourself.Essentially beyond these, there is nothing special when you cruise in the backwaters. But that is the biggest highlight of the trip. It's able to make sync with yourself and your loved ones. You got time to break from a faster life and appreciate very small things like chirping of birds or appreciating a pack of ducks moving into the water or a simple thrill of catching fresh fish etc. Its all about experiences, not sightings.Essentially this concept defines the award-winning Kerala tourism Ad- Your Moment is waitingespecially this scene defines what you should expect from Kerala tourismIts nothing by exploring yourself as like seeing yourself in a mirror.Kerala tourism fully focuses on these high-end experiences as the key offering for its tourism and its what almost all ads of Kerala tourism focusTake the current season ad by Kerala tourismThe 2019 Kerala tourism is focused on its promotion- HUMAN BY NATURE, which asks tourists to explore the humans of Kerala, their sensitivities, their sensibilities, their lifestyles, their dreams, their aspirations and connect with them. It's not asking tourists to visit a so-so destination, see so-so monument etc.Last year (2018), Kerala tourism was promoting the concept- Follow the Sound of KeralaIt completely focused on minute sounds of the state, its people, its markets, the houses, the flora, the fauna, the forests, the valleys etc.A year back (2017), Kerala Tourism was focused on its new promotion- Kerala, A reading Room with a view with a tag line- Live InspiredThe focus was on experiencing the literary heritage of Kerala as what a Library offers and from its window- explore the diverse cultural musings of the state.So essentially the entire promotion of Kerala tourism is focused on EXPERIENCES and mental pleasures rather momentary pleasures of sightings and monumental wonders.I think, comparing the main signature ads of two leading tourist states can help to understand the differences of conceptKerala Tourism- Signature VideoRajasthan Tourism -Signature VideoSo as both Kerala and Rajasthan had a series of short ads aimed to attract Indian audiences in last few years.Kerala’s ad campaign was - #ComeOutandPlaySo as the same Rajasthan ads wereIn Kerala ads, the concept is to leave aside your daily chores, your work and your busy schedules, only to understand your own emotions, your attachments, your love, your family and its happiness.In Rajasthan ads (which in my opinion were brilliant) were focused on exploring the unexplored places that can you awestruck…I am sorry to compare Kerala with Rajasthan when the question is all about Kerala with TN… But just compared to understand the intricacies of Kerala tourism concept and how it differs from others.Tamil Nadu tourism, on the other hand, is a typical old-fashioned one. It focused more on places and sightings, typical to most of the tourist destinations in the country.As Anbazhagan said, TN govt isn’t aggressive on the promotion of Tamil Nadu tourism. It's just one of the several departments of TN Government. The Sarkari attitude and lethargy is clearly seen and I personally experienced that many times in past. Perhaps TTDC (Tamil Nadu Tourism Development Corporation) stands exactly were KTDC (Kerala Tourism Development Corporation) stood 20 years back.For this, we owe a lot to Amithab Kant for his visionary leadership to change the whole Tourism narrative and then to Dr. Venu who carry forwarded Amithab’s legacy for Kerala tourism.Perhaps more than branding Amithab Kant’s contributions to Kerala tourism was decentralizing the tourism activities.Instead of Department of Tourism handing entire tourism of the state, Amithab Kant decided that each district will handle destination tourism promotion, while state tourism department will only focus on brand management, communications and statewide tourism initiatives. This leads a two-tier system, ie at the state level, we have Department of Tourism which owns Kerala Tourism brand focused only on promotion of Kerala as a whole and crafting general programs and social initiatives. Kerala tourism doesn’t sell any tourist packages specific to one place. You won’t see Kerala tourism selling Wayanad tourism or Alleppey tourism etc. Rather that destination marketing is left to the second tier- the DTPCs (District Tourism Promotion Council). Every district will have its own DTPCs which sells the local places. This has promoted better competitivity and efficiency. DPTCs are mostly controlled by local tourist operators, hotel companies and tourism leaders of the districts who have direct stake-hold in tourism activities in that district. So they aggressively promote their place.The best example is that of DTPC Alapuzha which aggressively pushed Alleppey to international popularity, with houseboats and backwater tourism. Perhaps you won’t see that spirit in some other DTPC like that of Kasargod or Kannur. So the destiny of tourism marketing of a destination is with the locals, not with few bureaucrats sitting in the capital. While Tamil Nadu tourism is still a capital-centric model like many other tourist boards across the country. Few bureaucrats in one city cannot design and push destinations located across a large state especially that of TN.As Kerala tourism (Department of Tourism) doesn’t do destination marketing, they have ample time and resources to push for many other important things. For example, the priority of Kerala tourism these days is RESPONSIBLE TOURISM initiatives, aiming to train stakeholders to improve their skills for responsible tourism.For example, Kerala tourism launched a scheme of Better Together, where they train locals for becoming responsible guides, cooks, community workers, model farmers, etcThe above ads weren’t meant for tourists. Its meant for Malayalee community, how to train themselves for becoming a better guide, better run a community kitchen or push farm tourism etc.Kerala tourism regularly conducts programs for such community training. The first of its series started with Kumarakom in Kottayam and by now, Kerala is a leader in RT activities as defined by UNWTO.Detailed presentation of Kerala Tourism- Responsible Tourism Initiatives that changed community life in those places where it was implemented. This is a presentation made by Tourism Director Dr. VenuThe aim is simple. Make tourism, a driver of the local economy and create sustainable economic activities within the state that can create more than 5 Lakh employment by 2021.All You Need to Know About Kerala Tourism's Responsible Tourismhttp://www.uniindia.com/kerala-s...Kerala's 'Responsible Tourism' initiative a role model, says UNWTOSo Kerala tourism, instead of being a tourism operator, ended up a training organization for effective organic farming or sustainable community monetary programs or small scale tourism employment programs etc.Such larger scale social activities are missing with other tourism boards like TN etc because its primary job is only to promote and push sightseeing activities in the stateEssentially Kerala tourism is definitely miles ahead than TN Tourism if one takes value and quality wise. Whereas in terms of quantity and volume, TN Tourism is definitely miles ahead than Kerala.

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