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Digital Onboarding and KYC Report 2020

Digital onboarding begins the moment a customer wants to use your products and services and it requires a careful mix of technology and data




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How to Avoid Problems when Boarding your Dog

Don't spend your vacation worrying about your pet. Follow these simple tips when boarding your dog and have a stress-free vacation.




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Damian Sanders, Pioneer of Professional Snowboarding, Set to Release the XBAR, a Revolutionary New Exercise Device

Damian Sanders, one of the true pioneers of professional snowboarding, will soon release his revolutionary fitness product on Kickstarter, the XBAR.




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Four days from now I’ll be boarding a one way flight to...



Four days from now I’ll be boarding a one way flight to San Francisco to take on the next evolution of my role at @shopify. Leaving the city that I’ve called home my entire life and the people who have defined everything I am was one of the most uncomfortable decisions I’ve ever had to make. But this wouldn’t be the first time I’ve chased discomfort in my career.
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I wrote about my ongoing pursuit for discomfort this morning in hopes of inspiring others to do the things that scare and challenge them this year. You can find the link in my profile.
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Happy 2017! ????
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????: @jonasll (at San Francisco, California)




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App Onboarding System for Developer-Defined Creation of Search Engine Results

A search system includes a user interface configured to receive information about a first application from a developer of the first application. The search system includes a state access module configured to obtain information about a first type of state of the first application from the developer. The information includes an action performed by the first type of state, a first access URL template, and a designation of at least one parameter for the first access URL template. The first application is configured to display a specific state of the first type of state in response to receiving an access URL formed by instantiating the first access URL template with at least one value for the at least one parameter. The search system includes a search engine configured to, in response to a query, obtain data from the first application according to the information about the first type of state.




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Snowboarding visionary Jake Burton Carpenter dies at 65


Whether you had a gold medal hanging from your neck, were just learning how to stand on a snowboard, or were one of those flustered skiers wondering where all the kids in the baggy pants were coming from, you knew the name “Burton.” Jake Burton Carpenter, the man who changed the game on the mountain […]




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The best-kept secret in winter travel: Comped same-day lift tickets with your Alaska boarding pass


Think a day trip to ski Mount Bachelor is out of reach? Think again. With this promotion, earn a complimentary lift ticket with your same-day boarding pass.




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Martu students fly 1,500km to boarding school for valuable vocational education

A remote community in Western Australia equips students for the future through an independent teaching program at home, and by sending senior students to a boarding school 1,500km away for vocational training.




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Rural families desperate as private school and boarding costs push them into financial hardship

Many rural parents are facing increasing debt and overdrawing their accounts in a bid to pay for "exorbitant" boarding fees. There are calls for more financial help for those living in isolated parts of Australia.




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Former Queensland treasurer denies Entsch's claim he pledged funds to boarding school forced to close

MP Warren Entsch says the Queensland Government failed to honour a deal to help fund a Cairns Indigenous boarding facility for girls following the state election.



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Boarding Pass to Mars

HAAA! THIS PLEASED ME! GO BOOK YOUR TICKETS NOW! http://mars.nasa.gov/participate/send-your-name/insight/





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Islamic Boarding School Leaders from Indonesia Visit

Islamic Boarding School Leaders from Indonesia Visit U.S. Schools in East-West Center Exchange Program

Director of EWC’s AsiaPacificEd Program Namji Steinemann (center) with some of the Indonesian pesantren educators.

 

U.S. and Indonesian educators perform together during a “culture night” presentation.

 

 

 

 

 




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Islamic Boarding School Leaders from Indonesia to Visit U.S. Schools in East-West Center Exchange Program

Islamic Boarding School Leaders from Indonesia to Visit U.S. Schools in East-West Center Exchange Program
HONOLULU (Oct. 20) – Groups of educators from Islamic boarding schools in Indonesia will be spending the next two weeks visiting schools in 11 U.S. states as part of an East-West Center program designed to foster mutual understanding between the United States and Indonesia, the most populous Muslim-majority nation in the world.




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Skateboarding Mishaps Send 176 U.S. Kids to ERs Every Day

Title: Skateboarding Mishaps Send 176 U.S. Kids to ERs Every Day
Category: Health News
Created: 4/26/2016 12:00:00 AM
Last Editorial Review: 4/27/2016 12:00:00 AM




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Kylie Jenner takes daughter Stormi on first snowboarding trip

It was a big milestone for the mother-daughter duo, as Kylie revealed it was 'Storm's first trip to the snow' in a sweet Instagram set that they took before hitting the slopes to snowboard.




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Kylie Jenner flaunts snow bunny status in a luxe Chanel suit after Stormi's first time snowboarding

The 22-year-old makeup mogul sported a chic Chanel suit with matching gloves after watching her daughter Stormi snowboard with ease for the very first time.




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Myles Stephenson is FINALLY out of the ICU after near-fatal snowboarding accident

The Rak Su star, 28, took to Instagram and Twitter on Saturday to give fans an update on his recovery following his shock snowboarding accident last week.




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Tragedy as boy, 16, dies after crashing into a pole while skateboarding

Paramedics were called to the scene in Townsville at 2.30pm on Saturday where bystanders were already attempting to resuscitate the boy.




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Townsville: Teenager who died in tragic skateboarding accident identified as Mohammad Farhan Fudhail

Mohammad Farhan Fudhail, 16, has been catching up with an old school friend in Jezzine Barracks, Townsville, on Saturday when he died.




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British traveller is blocked from boarding a flight to Thailand and left £1,000 out of pocket

Tina Sibley was stopped at the boarding gate in Madrid by Qatar Airways staff, which told her the stamps of Macchu Picchu made her passport invalid. The British Embassy rubbished the claims.




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British Tesco executive, 50, dies while paddle boarding off of Lanzarote 

Ofer Deshe, 50, was pulled out of the sea by surfers after getting into difficulties off spectacular Famara Beach.




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Justin Bieber hits the slopes of Aspen during boys-only snowboarding trip with best friend Josh Mehl

He's been busy promoting his latest album effort.




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Surfin' bird! Clever raven has a ball snowboarding downhill on a plastic lid in Russia

A clever raven was spotted in Ufa, Russia, lifting a plastic lid in its beak, flying it up a hill and then snowboarding back down. A passerby stopped to take a video of the bizarre moment.




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Shirtless Barack Obama is pictured paddleboarding in Hawaii

Former President Barack Obama, 58, has been vacationing in Hawaii since before Christmas. On January 2, he was pictured paddleboarding in the Pacific Ocean.




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Orlando Bloom shows off his snowboarding skills during winter getaway in Aspen

On Monday, Orlando Bloom was spotted spending some solo time practicing his snowboarding skills in Aspen, Colorado.




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Jennifer Aniston enjoyed bodyboarding during her recent vacation to Tulum, Mexico

She looked incredible in a strapless black Dior Haute Couture dress at the Golden Globes Sunday. And while walking the red carpet, Jennifer Aniston talked about her New Year's trip to Mexico.




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Inside the 'house of torture' Islamic boarding school' where students were tortured and sodomised

An Islamic boarding school has been revealed as a 'house of torture' after authorities raided the building on Thursday.




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New York City ferry sued for discrimination after staff member stops Muslim families from boarding

On the afternoon of September 21, 2019, three Muslim families who were wearing discernible religious garb and who spoke with accents were allegedly denied ferry service at Wall Street pier.




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Donald Trump doubles down on threat to bring back 'a hell of a lot worse than waterboarding'

'I'd go through a process and get it declassified [as torture], frankly ... certainly waterboarding at a minimum,' the Republican presidential front-runner said.




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Swansea City fans print vile Emiliano Sala boarding passes ahead of derby with Cardiff

Swansea City have condemned the 'disgraceful' actions of some of their own fans after they printed vile boarding passes that mocked the death of Emiliano Sala.




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What Can Bike Sharing Apps Teach Us About Mobile On-boarding Design?

Given the proliferation of bike/scooter sharing services these days, I thought it would be interesting to compare the mobile app on-boarding experiences of the ones I could access. To do so, I went through the new customer flow for six of these services.

While the mobile on-boarding I experienced across these services looked really similar, the end result differed dramatically -from me abandoning the process to walking away a delighted customer. Understanding how product design impacted these outcomes is critical for anyone trying to grow a new mobile business.

Applying Design Patterns

My first encounter with bike sharing, appropriately, was in Amsterdam. I was outside the city center for a meeting and encountered a rack of Hello-Bikes. So why not bike back to my hotel in town? Here’s what happened when I tried.

Hello-Bike’s mobile on-boarding consists of several common patterns: a splash screen, a sign-up form, terms and conditions, and a tutorial. Though widely used, starting the design process off with these types of patterns often results in a flow that seems right in mock-ups or wireframes but fails to solve actual customer needs.

The designer thinks: “I know what an on-boarding flow is. It’s a splash screen, a sign-up screen and a tutorial people can swipe through.” The resulting customer experience in filling in form fields, scrolling through 17 screens of terms & conditions (yes, you are required to scroll through all of them), granting location permissions (because “background location-tracking is required”), and skipping through 6 tutorial screens featuring critical knowledge like “Welcome to Hello-Bike.”

After maneuvering through all this, I found out there were no docking stations in central Amsterdam because of government regulation. So I actually couldn’t use the Hello-Bike service to ride to my hotel. Starting the design process from the perspective of the customer would likely have revealed the importance of communicating these kinds of constraints up front. Starting by selecting design patterns would not.

Lessons Learned:
  • Set expectations appropriately, so potential customers don’t end a lengthy sign-up process in disappointment or frustration.
  • While convenient, design patterns are no substitute for understanding and designing with your customers & their goals top of mind.

Having Desktop Bias

While modern mobile devices have been around for over ten years, desktop devices have had at least 3x more time to influence and bias our approach to software design. That’s why it’s not surprising to see desktop design concepts permeate mobile apps. In the case of Jump’s mobile on-boarding, they are all over the place.

Following the obligatory splash screen, Jump animates through a series of safety tips calling out the unique features of electric bikes. Unfortunately, so many steps follow these tips that I can’t imagine anyone remembering them when they are finally allowed to ride one of Jump’s electric bikes.

Next up are a series of permission dialogs for access to Motion & Fitness and Location data. Both requests are accompanied by explanatory text that suggests Jump needs access to this information in order to “gather data about how electric bikes affect travel patterns.” Sounds like a good thing for Jump, but it’s not clear why customers should participate or even care.

This mindset permeates the rest of Jump’s on-boarding as well: choose one of our bike “networks”, select one of our plans, verify your phone number, pick a 7 character password with numbers and uppercase letters, agree to our terms and conditions, put money into one of our accounts, etc. After ten steps of doing things for Jump and seeing no progress toward actually riding a bike, I abandoned at the “Enter Credit Card” step.

Perhaps someone at Jump heard completion rates for forms go up when you place each question on a separate screen (I’ve seen no evidence of this), but the cumulative effect of going through a desktop-design influenced e-commerce checkout flow one step at a time on my phone was quite painful.

Lessons Learned:
  • Make sure your customers always feel like they are making progress toward their goals, not yours.
  • Desktop paradigms often aren’t a great fit for mobile. For instance, do you really need a checkout form? As we’ll see later, no.

Right Time, Right Place

After abandoning the bike-sharing process with both Hello-Bike and Jump, I had my first successful on-boarding with Spin. That’s not to say there wasn’t a lot of room for improvement. With mobile on-boarding it’s not just what we ask people to do it’s also when we ask them to do it. Spin starts off with a tutorial, which explains they are smart, I can park anywhere, and scanning a bike’s QR code will let me ride it.

Turns out that’s not entirely true as I needed to give them my email address, create a password, provide location permissions, and agree to three separate terms of service. It’s only after this gauntlet, that I’m actually able to scan the QR code on the bike in front of me. Why couldn’t we just have started the process there?

It is worth noting, however, that Spin provides much better explanations for its permission requests. When requesting location permissions, Hello-Bike told me: “background-location tracking is required” and Jump explained I could help them “gather data about how electric bikes affect travel patterns.” Spin, on the other hand, explained they use location to help me find pick-up and drop off points. They also explained they needed camera permissions so I can scan the QR code on a bike to unlock it.

After I did, my next step was to reload my Spin account, with the only reloading option being $5. This immediately felt odd as the bike ride itself was advertised as $1. So if I never rode another Spin bike again, they had 4 more dollars from me... hmmmm. On a positive note, Spin integrated with Apple Pay which meant I simply had to tap a button on the side of my phone to approve payment. No checkout forms, shopping carts, or credit card entry forms required. See? We can do things in a mobile-native vs. desktop way.

Following the payment process, I was greeted with a another tutorial (these things sure are popular huh? too bad most people skip through them). This time 4 screens told me about parking requirements. But wait… didn’t the first tutorial tell me I could park anywhere? Next Spin asked to send me notifications with no explanation as to why I should agree. So I didn’t.

Once I rode the bike and got to my destination, I received a ride summary that told me my ride was free. That’s much appreciated but it left me asking again… couldn’t we have started there?

Lessons Learned:
  • When you surface information to customers is critical. Spin could have told me my ride was free well before asking me to fill my account with a minimum of $5. And their Parking tutorial was probably more appropriate after my ride when parking my bike, not before it.
  • Get people to your core value as soon as possible, but not sooner. It took 7 steps before I was able to scan the bike in front of me and 9 more steps before I could actually ride it. Every step that keeps customers from experiencing what makes you great, leaves them wondering why you’re not.

Tricky, Tricky

By now, Ofo’s mobile on-boarding process will seem familiar: location and notification permission asks without any useful explanations, an up-front tutorial, a phone number verification flow, a camera permission ask, and more.

For many mobile apps, phone number verification can replace the need for more traditional desktop computer influenced sign-up process that require people to enter their first and last names, email addresses, passwords, and more into a series of form fields. When you’re on a phone, all you need to verify it’s you is your phone number.

With this simplified account creation process, Ofo could have had me on my way with a quick QR code scan. But instead I got a subscription service promotion that suggested I could try the service for free. After tapping the “Try it Free” button, however, I ended up on a Choose your Plan page. It was only when I used the small back arrows (tricky, tricky) that I made it back to the QR code unlock process which let me ride the Ofo bike in front of me with no charge.

Lessons Learned:
  • Mobile device capabilities allow us to rethink how people can accomplish tasks. For instance, instead of multiple step sign-up forms, a two step phone verification process can establish someone’s account much quicker by using what mobile devices do well.
  • While companies have revenue and growth needs, unclear flows and UI entrapments are not the way to build long-term customer loyalty and growth. You may trick some people into subscribing to your service but they won’t like you for it.

But Why?

Starting Bird’s mobile on-boarding gave me high hopes that I had finally found a streamlined customer-centric process that delivered on the promise of fast & easy last-mile transportation (or micro-mobility, if you must).

Things started out typically, a splash screen, an email form field, a location permission ask, but then moved right to scanning the QR code of the scooter in front of me and asking me to pay the $1 required to get started. Great, I thought… I’ll be riding in no time as I instantly made it through Apple Pay’s confirmation screen.

As a quick aside, integrating native payment platforms can really accelerate the payment process and increase conversion. Hotel Tonight saw a 26% increase in conversion with Apple Pay and Wish used A/B testing to uncover a 2X conversion increase when they added Apple Pay support. Turns out people do prefer to just look (Face ID) or tap (Touch ID) to pay for things on their phones instead of entering credit card or banking account details into mobile keyboards.

But back to Bird... I scanned the QR code and authorized Apple Pay. Time to ride right? Not quite. Next I was asked to scan the front of my drivers’ license with no explanation of why. Odd, but I assumed it was a legal/safety thing and despite having a lot of privacy reservations got through it. Or so I thought because after this I had to scan the back of my drivers’ license, scroll through all 15 screens of a rental agreement, and tick off 6 checkboxes saying I agreed to wear a helmet, not ride downhill, and was over 18 (can’t they get that from my driver’s license?).

Then it was back to scanning the QR code again, turning down notification permissions, and slogging through a 4 screen tutorial which ended with even more rules. The whole process left me feeling the legal department had taken over control of Bird’s first time customer experience: rental contracts, local rules, driver’s license verifications, etc. -really not in line with the company’s brand message of “enjoy the ride”. I left being intimated by it.

Lessons Learned:
  • Rules and regulations do exist but mobile on-boarding flows shouldn’t be driven by them. There’s effective ways to balance legal requirements and customer experience. Push hard to find them.
  • When asking for personal (especially highly personal) information, explain why. Even just a sentence about why I had to scan my driver’s license would have helped me immensely with Bird’s process.

Core Value, ASAP

By now, we’ve seen how very similar companies can end up with very different mobile on-boarding designs and results. So how can companies balance all the requirements and steps involved in bike-sharing and still deliver a great first-time experience? By always looking at things from the perspective of your customer. Which Lime, while not perfect, does.

Lime doesn’t bother with a splash screen showing you their logo as a first step. Instead they tell you upfront that they know why you’re here with a large headline stating: “Start Riding Now”. Awesome. That’s what I’ve been trying to do this whole time. On this same screen are two streamlined sign-up options: phone number verification (which makes use of native device capabilities) and Facebook -both aimed at getting you started right away.

Next, Lime takes the time to explain why they are asking for location permissions with the clearest copy we’ve seen in all these examples: “to find nearby bikes and scooters”. Sadly, they don’t apply this same level of clarification to the next permission ask for Notifications. But smartly, they use a double dialog solution and if you say no (which I did), they try again with more clarity.

It’s become almost standard practice to just ask for notification permissions up front in mobile apps because up to 40% of people will just give them to you. So many apps figure, why not ask? Lots of people will say no but we’ll get some people saying yes. Personally, I feel this is an opportunity to improve for Lime.

Ignoring the notifications prompt, the rest of Lime’s on-boarding process is fast and efficient: scan the QR code (once again with a clear explanation of why camera permissions are needed), authorize Apple Pay to pay for your ride. Lime doesn’t either bother to provide other payment options. They know the user experience and conversion benefits of Apple Pay and rely on it exclusively.

And… that’s it. I’m riding. No tutorial! Shocking I know, but they do offer one on the map screen if you’d like to learn more before riding. User choice, not company requirement.

In their mobile on-boarding, Lime deftly navigated a number of significant hurdles: account set-up/verification, location & camera permissions and payment -the minimum amount necessary to ride and nothing more. They did so by explaining how each of these steps got me closer to my goal of riding and worked hard to minimize their requirements, often relying on native mobile functionality to make things as fast and easy as possible.

Lessons Learned:
  • It’s not about you, it’s about your customer. Put your customer’s goals front and center in your mobile on-boarding process. It starts from the first screen (i.e. “Start Riding Now”)
  • Lean into mobile-native solutions: phone verification, integrated payments, and more.

More On On-boarding

For a deeper look into mobile on-boarding design, check out this 20 minute segment of my Mobile design and data presentation at Google Conversions this year:

You can also read Casey Winter’s article about on-boarding, which does a great job outlining the concept of getting people to your company’s core value as fast as possible, but not faster.




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Snowboarding Go-Bag

Avid snowboarder and Gadget Lab writer Roberto Baldwin takes us through his go bag to help you stay prepared for a quick getaway on the slopes.




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App Pack | The Best Mobile Apps for Skiing and Snowboarding

Hit the slopes with these apps that give you snow forecasts, buddy tracking, and resort maps all at your fingertips.




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Tech Support - Tony Hawk Answers Skateboarding Questions From Twitter

Tony Hawk uses the power of Twitter to answer some common questions about skateboarding. Will there ever be another Tony Hawk's Pro Skater? What skateboarding trick was the hardest to learn? Are you ever too old to start skating? Tony also demonstrates how to set up a new skateboard, how to apply griptape, how to do an ollie, how to boardslide, how to do a 540° McTwist and more.




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21 Levels of Skateboarding: Easy to Complex

Pro skater Tony Hawk explains ground and vert skateboarding in 21 levels of difficulty. From the olllie to the 900 and the heelflip 720, watch how Tony demonstrates and breaks down everything that goes into these tricks.




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Family Assistance Legislation Amendment (Extend Family Assistance to ABSTUDY Secondary School Boarding Students Aged 16 and Over) Bill 2019 [Provisions] / The Senate, Community Affairs Legislation Committee

Australia. Parliament. Senate. Community Affairs Legislation Committee, author, issuing body




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Article :: Storyboarding: Build your visual script

In this sample chapter from Animated Storytelling, Second Edition, author Liz Blazer covers the basics of storyboarding first and then continues on with some important concepts you’ll need to make your storyboard complete and ready for animatics. The entire process is organic; let your storyboarding evolve gradually from simple to more complex.




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Passengers boarding a train in front of the Tampa Bay Hotel




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Sensitivity Analysis of the Transit Boardings Estimation and Simulation Tool (TBEST) Model




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Enhancement of predictive capability of transit boardings estimation and simulation tool (tbest) using parcel data :




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Mary Hatcher boarding her plane




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Muldoon's boarding house




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Hungary bars migrants from boarding trains; smugglers wait in wings



  • DO NOT USE Europe
  • World