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What is OAuth? Understanding the basics of open authorization.

What is OAuth? | Open Authorization FAQs & Best Practices

First released in 2007, Open Authorization (known as OAuth for short) has become a staple authorization protocol on many websites, applications, and even mobile devices—especially for developers who wish to collaborate with other organizations. We all know the cardinal rule to never share your password—and that’s never been more true! Despite their popularity, passwords aren’t as secure as we once believed. In fact, around 90% of user-generated passwords are vulnerable to hacking due to weak, user-generated credentials. Thus, OAuth is an important piece of any organization’s website authentication because it protects users’ credentials. However, there tends to be a lot of confusion surrounding this particular method and how it actually works.  If your website requires a login to access particular information (such as a social media profile, online banking account, or eCommerce site), understanding how OAuth works is crucial. By using it in your website authentication process, you can simultaneously improve your user experience and secure sensitive user data. That’s why we’ve put together this comprehensive guide to help you get a better understanding of OAuth— and how to implement it for your own authentication process. Let’s walk through the following commonly asked questions concerning Open Authorization: What is OAuth? What is OAuth used for? How does OAuth work? Why is OAuth popular? How secure is OAuth? What can I improve security with OAuth? A lot of topics discussed in this guide require some basic knowledge of security authentication and authorization (and the key differences between the two). Before jumping in, you might want to use our comprehensive guide to brush up on the topics. Otherwise, let’s get started? 1. What is OAuth? Open authorization (or OAuth for short) is a type of token-based authentication that allows organizations to share information across third-party services without exposing their users’ usernames and/or passwords. Essentially, OAuth is the middle-man that provides third-party services with a token that allows only specific account information to be shared. In other words, OAuth is a process in which users grant websites or applications access to information on another website without providing their login credentials. Then, OAuth ensures that the website requesting the information has the right permissions to access the user’s data. What is OAuth 2.0? OAuth 2.0 is a 2012 rewrite of the original Open Authorization protocol that provides a more comprehensive solution for modern web and non-web clients alike. OAuth 2.0 is the current industry standard framework for authorization software.  Nowadays, when you hear the term “OAuth” it will typically refer to OAuth 2.0 rather than the original protocol. As we walk through the rest of this guide, bear in mind that we, too, are discussing the current industry standard protocol of OAuth 2.0. 2. What is OAuth used for? You’ve probably used OAuth without even realizing it. For example, whenever you give a website permission to access your Facebook information, you’re using open authorization. This protocol is useful because it allows you to share a limited amount of information with the third-party site, rather than give them full control over your account with your login credentials. A common misconception about OAuth is that this process also verifies the user’s identity, otherwise known as authentication. As a result, OAuth often gets confused with single-sign-on (SSO) authentication. While the two processes are very similar and even share some basic characteristics, they have one key distinction: SSO authenticates users whereas OAuth authorizes users. To better understand the difference, let’s first break down what authentication and authorization mean: Authentication is the act of verifying a user’s identity. When a user enters their username and password (or uses a passwordless credential), the website uses this information to confirm that the person is the intended user by comparing it against a secure database of user credentials. Authorization, on the other hand, occurs after a user has been authenticated. This is when the system checks to see what permissions the user has. A user’s permissions dictate what the person sees and what actions they can take on the website once you’ve confirmed that they are who they say they are. The simplest way to compare and contrast the two terms is as follows: Authentication asks the user, “who are you?” while authorization asks, “what are you allowed to do?” Thus, there is no authorization without authentication. However, mere authentication is not enough to secure accounts and provide specific permissions, thus the two processes work hand-in-hand. OAuth serves the purpose of making sure that third-party websites have the right permissions to access a user’s information once their identity has been verified using a method of authentication. 3. How does OAuth work? If you know a thing or two about token-based authentication, then OAuth is pretty simple to understand. The process in which a website obtains a token is called a flow, and in the OAuth flow, there are three key players: the user, the consumer, and the service provider. To better explain how this process works, let’s imagine that your organization (the user) wants to use a social media management tool to schedule and publish your Facebook posts. In this example, Facebook is the service provider, and the social media management tool is the consumer of the data being requested. Here’s how the OAuth process would work: The user requests an action. In this initial step, you’ll let the social media management tool know that you want to automatically publish posts using their service. The consumer gets permission from the service provider. The social media management tool will ask Facebook to grant it permission to access your account and publish posts. In return, Facebook will send them a token with a unique signature or secret code that verifies the management tool’s actions. The user is redirected to the service provider. Once the social media management tool has the token, it will redirect you to Facebook’s login page. The user gives the consumer permission. When you’re redirected to Facebook’s login page, it will ask for your username and password and to confirm

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Learn about password authentication vulnerabilities and ways to avoid them.

Password Authentication: Avoiding 4 Common Vulnerabilities

When it comes to protecting your information online, passwords are the most-used form of authentication for websites and applications alike. However, passwords are also one of the most insecure forms of user authentication out there. Upon registration, users create a unique ID and key (typically a username and password) that are then stored securely on the website’s server. Ideally, the user is the only person with knowledge of their password, making it so that they’re the only one able to access the account. When the user re-enters their credentials, they are checked against those stored in the web server and, if they are a match, the user is verified. The challenge is that since passwords are so widely used, the number of insecure accounts is substantial. Not to mention, passwords can provide a false sense of security when users are woefully unaware of the vulnerabilities they bring. Passwords are not only difficult to manage on a personal level but can also cause large-scale data breaches when they are easily guessed or cracked by hackers.  Furthermore, if your business is using passwords to protect internal accounts and your user database, you and your user’s sensitive data could be at risk. There’s a lot to unpack here! Before we jump in, let’s walk through some of the most commonly asked questions and answers when it comes to password-based authentication. Password Authentication FAQs What are the three types of authentication? Authentication is the process that ensures the individual requesting access to a system, website, or application is the intended user. There are three main methods used for authentication purposes: Knowledge-based: Also referred to as “something you know.” This category includes traditional passwords. When a user creates a unique password for their account, it then becomes the key to re-enter that account time and time again. It’s something that the user (and hopefully only the user) knows. Possession-based: Also referred to as “something you have.” In this scenario, an individual verifies their identity using something that only the intended user would have. For example, a user could swipe a physical key card or prove access to a separate personal email account to show that they are who they say they are. Inheritance-based: Also referred to as “something you are.” These are typically biometric characteristics such as a fingerprint or facial scan that is then used to verify the user’s identity. Without these authentication processes, sensitive user information would be available on the web with no restrictions, meaning it could easily fall into the wrong hands. What is password authentication? Password authentication is a process that involves a user inputting a unique ID and key that are then checked against stored credentials. You’ve likely been asked to create and/or enter a password to gain access to a personal account, whether that’s a social media platform or an online banking tool. When you do so, you’re taking part in a password authentication system that keeps your sensitive information safe from unauthorized users. The idea is that only the person who created and set the password will know it and be able to repeat it, thus verifying their identity as the original user and providing access to restricted data and resources. How are passwords stored? When a user creates a password, a copy of that credential is stored by the system or website in a secure password database against which the server can compare any further login attempts. Because all those passwords are stored in a centralized location, (which would be a field day for hackers) it’s important that password-based authentication systems ensure top-notch security for those databases. Typically, passwords are stored in an encrypted fashion so that even if a hacker is able to access the database, the information they see would be of no use to them. This is called salting and hashing your passwords, which we’ll get into further detail below. What are password alternatives? A password alternative is any sort of authentication protocol that doesn’t utilize a typical ID and key to grant users access. Going back to the three types of authentication, password alternatives often fall into possession or inheritance-based methods. Our favorite password alternative (in fact, our favorite authentication method overall) is email authentication. For websites and applications that offer Swoop’s email authentication as a password-free alternative, users can simply verify their identity by following a pre-determined action (such as using Swoop’s Magic Link™ or Magic Message™) from their personal email account. Whether your organization is set on using password authentication or you’re exploring passwordless alternatives, it’s important to be aware of a password’s weaknesses so that you can find a secure way to protect your data. That’s why we’ve compiled a list of top password authentication vulnerabilities as well as these recommended ways your company can avoid them: User-Generated Credentials Down Brute-Force Attacks Recycled Passwords Large-Scale Breaches We’ll explain each weakness in more depth and provide top tips for improving your website’s security. Ready to jump in? Let’s get started! 1. User-Generated Credentials How do user-generated credentials pose a threat? Since users have to create their own passwords, there’s always a chance they won’t create secure credentials. In fact, around 90% of user-generated passwords are considered weak and easily vulnerable to hacking. Whether it’s because users want to have a password that’s easy to remember, they aren’t up to date on password security best practices, or subconsciously (and even consciously) use patterns to generate their passwords, this type of authentication has its flaws.  Even if your website is equipped with a password strength-checking tool, (like the ones below) the results can be inconsistent and inaccurate, often leading users into a false sense of security. Creating complex passwords is difficult because our minds are drawn towards patterns. Think about the passwords you create. They likely all follow a similar formula, like using a word with numbers and a special character at the end. While these patterns make it easier for us to remember our credentials, cybercriminals are also aware of

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Check out these top web application authentication strategies.

Web Application Authentication: 5 Best Practices to Know

Your company is ready to begin development for a new web application. That’s great! But before you begin the process, do you have a plan to ensure your application is as secure as it can be? Or perhaps you already have a live web application and you’re looking to implement strengthened security measures. Protecting sensitive information within your application should be a top priority, especially with the increase in data breaches at large companies. You don’t want to put your users at risk because it could cause them to lose trust in your organization and potentially leave you legally liable.  We want your application to succeed. That’s why we’ve compiled a list of best practices for web application authentication to boost your security and maintain your users’ trust: Create a web application authentication checklist. Explore various web application authentication methods. Store sensitive data separate from regular data. Test your process with low-privileged accounts. Use a firewall to boost your web application authentication. These tips are focused on securing internal accounts to ensure hackers can’t access admin-level permissions. However, many of these best practices can be used to secure your users’ accounts as well. What’s more, your application doesn’t have to be in the developing stages to implement these tips. In fact, companies should make it a practice to conduct regular web application security checks, and these top tips can help! Let’s get started. 1. Create a web application authentication checklist. Securing your web application can seem like a never ending task, and we understand a lot goes into keeping your sensitive information protected. However time-consuming the process may seem, it still needs to be done— especially when around 90% of user-generated passwords are vulnerable to hacking. If you’re not sure where to get started, the best place to begin is by creating a checklist that details the steps you’ll take to ultimately reach a secure web application.  Your checklist should include these four key steps: Step 1. Gathering Information The first step in creating a highly secure web application authentication process is to gain a better sense of any third-party applications your organization uses. Take note of what information is stored in those applications and how information is transferred between your application and the others apps your company uses. Even if your application is secure, the other applications your company uses could put you at risk if they aren’t secured as well. Start by pointing out areas in each platform that might be at risk and determine which areas of the application can be tested, whether manually or by using a security tool.  Once you’ve outlined the applications you need to test in addition to your own and pinpointed potential vulnerabilities, you’re ready to move to the next step. Step 2. Planning a Course of Action At this stage, you’ll document your testing strategy and define the types of risks each application presents. For instance, if an application has an authentication component, you should check for password complexity guidelines and vulnerability to brute-force attacks, among other security factors. Make sure everyone on your IT team knows what tasks they are responsible for and create a timeline for when the testing will be completed. For example, one team member could be assigned to test the security of your marketing software, while another tests your internal communication tools. Once your plan is all ironed out and tasks are delegated to the right team members, you’re ready to move to the next step. Step 3. Executing Your Security Checks Next, it’s time to execute your security checks. It’s likely that each application you test will require a combination of automated and manual checks to ensure everything is in order. Your manual tests should cover common vulnerabilities. In most cases, the tester will act as if they’re trying to hack into the website to identify areas that are defenseless. Automated security checks, on the other hand, utilize computer programs to locate more obscure vulnerabilities. A machine can quickly scan through your application to pinpoint risks, but they often lack the ability to spot logical flaws. By combining the two processes, you’ll likely be able to discover most, if not all potential liabilities. Once all security risks have been identified and a thorough report has been created to identify the most pressing security concerns, you’re ready to move to the next step. Step 4. Remedying Major Problems Now that you’ve discovered your application’s major risks — whether they be external or internal — you need to classify each problem and determine where the risk originated from. After all, it’s hard to find a solution if you’re unable to locate the root of the problem! For example, here are three main categories of security risks along with suggested fixes: App-related risks might require updates to your application. User-generated risks could mean you need more intensive staff security training. Third-party application risks may require that you transition to a more secure alternative. Bottom line: Once you’ve categorized each risk, determined an appropriate solution, and implemented the changes, your web application authentication process will be significantly more secure. 2. Explore various web application authentication methods. Password-based login systems are still the most-used form of web application authentication but are also a highly insecure one which will add an increased burden on the application developer. More than likely, your application requires some sort of username and password combination to verify a user’s identity and grant access to restricted data.  Not to mention the authentication systems for various third-party applications used by your team members! That can be a lot of passwords to remember.  However, it’s important to remember that security experts believe passwords aren’t the best defense against unauthorized activity. That’s because: They’re easy to guess manually or using automated tools. User-generated passwords often follow a pattern, which makes them easier to compromise. The same credentials are typically used to protect multiple accounts. Passwords aren’t always stored in the correct way. So what can you do to negate

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Understanding user authentication is a key step in implementing a secure process.

User Authentication: Understanding the Basics & Top Tips

One of the most important aspects of website authentication is the focus on the user and human-to-computer interactions. As a result, user authentication is crucial to understand when creating or improving your website’s login procedure. Whether you’re looking to amp up your internal security, increase customer acquisition, or simply provide a better user experience for individuals exploring your site, it’s important to know how user authentication fits into the equation.   That’s why we’ve created this guide. This way, organizations can understand: What user authentication is How user authentication works The importance of user authentication Top user authentication methods How to improve user authentication With a better understanding, your organization can look into more efficient registration and login processes that go past traditional offerings. Additionally, when you gain a full picture of the different types of user authentication, you’ll see that passwords aren’t the only option for your website and learn more about top passwordless alternatives. Let’s dive right into the first section. 1. What user authentication is User authentication is a security process that covers all of the human-to-computer interactions that require the user to register and log in. Said more simply, authentication asks each user, “who are you?” and verifies their response. When a user registers for an account, they must create a unique ID and key that will allow them to access their account later on. Generally, a username and password are used as the ID and key, but the credentials can include other forms of keys as well (see our section on types of user authentication). Essentially, the user authentication process is what provides users repeat access to their own accounts while attempting to block any unauthenticated users from gaining access. This means that User A can log in to their own account, while User B would be denied access. Conversely, User B could access their own account, while User A would be unable to. 2. How user authentication works In order to gain access, users must prove to the website that they are who they say they are. The ID and key are enough to confirm the user’s identity, which will allow the system to authorize the user. It’s important to note that authorization, on the other hand, is what dictates what users are able to see and do when they log in. While authorization and authentication are often used interchangeably, the two different terms work together to create a secure login process. To put it simply, user authentication has three tasks: Manage the connection between the human (user) and the website’s server (computer). Verify users’ identities. Approve (or decline) the authentication so the system can move to authorizing the user. The process is fairly simple; users input their credentials on the website’s login form. That information is then sent to the authentication server where the information is compared with all the user credentials on file. When a match is found, the system will authenticate users and grant them access to their accounts. If a match isn’t found, users will be prompted to re-enter their credentials and try again. After several unsuccessful attempts, the account may be flagged for suspicious activity or require alternative authentication methods such as a password reset or a one time password. 3. The importance of user authentication Understanding user authentication is crucial because it’s a key step in the process that keeps unauthorized users from gaining access to sensitive information. A strengthened authentication process ensures that User A only has access to the information they need and can’t see the sensitive information of User B. When your user authentication isn’t secure, however, cybercriminals can hack the system and gain access, taking whatever information the user is authorized to access.  Websites like Yahoo, Equifax, and Adobe have fallen victim to data breaches in the past and are prime examples of what happens when organizations fail to secure their websites. Use these companies as a warning to demonstrate the negative consequences of insecure user authentication processes. Not only were these scenarios costly to the organizations involved, but it also led to damaged reputations and decreased user trust. That’s why it’s so important that your organization is not the next on that list of victims. In order to prevent such a situation, it’s a good idea to invest in high-quality authentication tools to help you secure your website and protect it from potential breaches. 4. Top user authentication methods In order for a user to confirm their identity, the individual must provide a piece of information that only the user and the server knows. This information is called an authentication factor, and there are three types: Knowledge factors. Factors the user must know in order to log in are considered a knowledge factor. This can be anything from a username, password, or pin number. The challenge with these factors is that they can be weak in terms of security because they can be shared or guessed. Possession factors. Anything that the user must have in order to log in is known as a possession factor. One-time password tokens such as a Magic Link™, key fobs, ID cards, and physical tokens are all considered possession factors. Inheritance factors. Using a person’s biological characteristics is known as an inheritance factor. Any biometric authentication process, such as fingerprint scanning and facial recognition, would fall into this category. Even within each of these types of authentication factors, there are several different methods involved. To simplify things, the way users can verify their identity can be divided into two categories: password-based and passwordless options. Let’s take a closer look at each. Password-Based User Authentication Methods Most users are familiar with passwords. In fact, passwords have been the tried-and-true method for user authentication since the beginning of the internet. You probably have quite a few passwords yourself! A password-based user authentication process generally looks like this: When you land on the page, you’ll be asked to enter your username and password. Your credentials are sent to the website’s server

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Website Authentication: The Complete Guide with FAQs

Website Authentication: The Complete Guide with FAQs

If you’re working in the web development sector, you’ve likely have heard the term website authentication a few times before. That’s because it’s a huge component involved in keeping user accounts safe and accessible. However, despite its importance, it can also be difficult to understand web authentication if you’re new to the topic. Too many businesses and organizations allow their websites to suffer due to a simple lack of knowledge and preparedness. Don’t let that happen to you! Instead, make it a priority to research and establish effective website authentication practices. For your assistance, we’ve put together this handy guide with some of the most frequently asked questions from developers like you: What is web authentication? Why is website authentication important? How does web authentication work? What are common website authentication methods? Which is the most effective form of web authentication? What are some website authentication best practices? Website authentication is so important, but effective practices can often slip through the cracks. That’s why we’ll walk through each of these questions and offer some top tips for implementation. Plus, we’ll offer some of our favorite innovative solutions that go beyond traditional passwords. Ready to get started? Let’s jump in! 1. What is web authentication? Website authentication is the security process that allows users to verify their identities in order to gain access to their personal accounts on a website. This process occurs behind the scenes any time an individual logs into an online account, including social media profiles, eCommerce sites, rewards programs, online banking accounts, and more. When a user creates a new account on a website, they create a unique ID and key that will be used in the future to verify their identity and allow them back into the account. That ID and key are then stored in a highly secure web server to compare future credentials against. The idea is that the user is the only one who has access to their ID and key, thus ensuring they’re the only one able to enter the account. IDs and keys can come in all shapes and sizes, creating login processes that range from “basically open for an attack” to “entirely safe and secure.” The most common type of website authentication identification, however, is still that of the traditional username and password as the ID and key. At the same time, traditional username and password schemes have increasingly become vulnerable to cyber-attacks. The good news is there are more modern alternatives that are more secure and provide a better user experience. Sounds like a win-win, right? More on that to come. 2. Why is website authentication important? Ensuring top-tier authentication practices throughout your website is a huge factor involved in maintaining a highly secure, user-friendly web experience. If your website authentication process is lacking, you run the risk of unauthorized users gaining access to sensitive user information (this is the trend with traditional username/password authentication strategies). Not only can these data breaches harm individual users when their private information is stolen, but it can also go to destroy your reputation and bottom-line as a business or organization. There are two key factors to consider when creating or updating your website authentication systems— user experience (or UX) and security. Let’s walk through each one and how they relate to the importance of website authentication. Effective web authentication provides a better user experience. If your website is one that requires a user to verify their identity to gain access to certain elements (such as a social media network or online retail site) it’s important that users are able to complete the process quickly and easily. Otherwise, you risk users becoming frustrated and abandoning their accounts or transactions for a simpler alternative. For example, imagine an individual is attempting to use your site to purchase household items. The user knows they’ve made an account in the past but is having a difficult time regaining access. Perhaps they’ve forgotten their login credentials and the password reset process is unnecessarily lengthy and overcomplicated. Instead of taking the steps to log in, the user may choose to visit a different retail site, check out a physical store, or forego the product altogether. That’s an unsatisfied customer and a loss of potential revenue. On the other hand, an optimized authentication system would allow the user to easily verify their identity within seconds⁠— thus removing the barrier and ensuring higher conversion rates. Streamlined UX and a fast login experience is a major factor in driving acquisition and conversions for eCommerce businesses. However, it’s just as important for any other website with a user login process. We’ve all become accustomed to lightning fast UX and intuitive options, so anything less than that can drive away users or customers. Effective web authentication protects users (and you!) from data breaches and ensures user data is safe. When providing a streamlined and efficient login process for your website, it’s important that you don’t disregard security in order to do so. After all, some level of restriction is necessary to ensure that only the intended user is able to be verified. If a system is too easy for a user to log into, it might be too easy for a cybercriminal to take advantage of as well. As you’ll shortly see, passwords introduce unnecessary security risks when compared to password-free alternatives such as Swoop’s email authentication solution. Imagine a user on your site is attempting to log into their account with a username and password. They can’t remember the password they had previously set, but luckily there’s an option for a password hint. How convenient, right? Unfortunately, it’s too convenient for hackers as well. Perhaps the password hint is something like the “name of your first pet.” Sure, the user would likely remember the password on the spot, but hackers could ultimately determine that answer from various personal information made publicly available on the internet and leaked through other large-scale data breaches over time. That’s why it’s crucial that you find

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Understanding security authentication vs. authorization is vital for any website.

Security Authentication vs. Authorization | A Quick Guide

If your company or organization is looking into stronger security options for your website or application, you’ve probably heard of security authentication and authorization. While these terms are often used interchangeably, they are actually quite different. Understanding the key differences in security authentication vs. authorization is essential for providing top-notch user experiences for each. Authentication and authorization both play important roles in online security systems. They confirm the identity of the user and grant access to your website or application. It’s vital that you make note of their differences so you can determine which combination of web tools best suit your security needs. To better understand the relationship, it might help to think of the two terms in this way: authentication asks “Who are you?”, and authorization asks “What are you allowed to do?” To help you better understand how authentication and authorization work, we’ll walk through each of these key concepts: What is authentication? What is authorization? Security authentication vs. authorization Boosting security authentication and authorization Whether you want to remove the hassle of traditional password logins or implement more rigorous security checks, reviewing these ideas will give you a stronger all-around understanding of online security and how it can be improved. Before explaining how the two processes work together, let’s first discuss what sets them apart. 1. What is authentication? To put it simply, authentication is the process that confirms a user’s identity and provides access to sensitive information. Traditionally, this is done through a username and password. The user enters their username, which allows the system to confirm their identity. This system relies on the fact that (hopefully) only the user and the server know the password.  The website authentication process works by comparing the user’s credentials with the ones on file. If a match is found, the authentication process is complete, and the individual can be pushed through to the authorization process. Types of authentication While password authentication is the most common way to confirm a user’s identity, it isn’t even close to the most effective or secure method. Think about it: anyone with your credentials could access your account without your permission, and the system wouldn’t stop them. Most passwords are weak, and hacking techniques can break them in less and less time. Luckily, passwords aren’t the only way to authenticate your users. That’s why we’ll cover two alternative methods that sites can use to verify a user’s identity. Biometric Authentication Biometric authentication includes any method that requires a user’s biological characteristics to verify their identity. While this may seem like new-age technology, you’re probably been using it to unlock the screen on your smartphone for years. Fingerprint scanning is the most well-known form of biometric authentication, but facial recognition tools are an increasingly popular choice for developers and users alike. Of course, hackers have a much more difficult time replicating a users’ biological characteristics than typical password-based methods of authentication. However, it’s important to note that these processes are often less secure than you might initially assume.  For example, small fingerprint scanners on smartphones only record portions of your fingerprint. Multiple images of part of a fingerprint are much less secure than a single, clear image. Plus, some hackers have created a “master fingerprint” that contains characteristics of most common prints, allowing them to trick the scanners. Remember, too, that biometric authentication can’t be changed or altered if a user’s fingerprints have been compromised. While biometric authentication holds a lot of promise, it’s really most useful as a second factor in a multi-factor authentication strategy. Email Authentication Email authentication is a passwordless option that allows users to securely log in to any account using just an email address. The process is very similar to signing in with a Facebook or Twitter account, but this method offers a more universal approach. After all, the vast majority of individuals in the U.S. have at least one email address. Here’s how your site can authenticate users using Swoop’s Magic Message passwordless authentication: The user is redirected to the Swoop service via the OAuth 2.0 protocol for authentication. From a browser window, the user pushes the “Send Magic Message” button: The button activates a mailto link, which generates a pre-written email for the user to send. The user sends the email: This is where the magic happens. Once the email is sent, the outgoing email server generates and embeds a 1024/2048 bit, fully encrypted digital key into the header of the email. Swoop’s authentication server follows the public key cryptographic procedure to decrypt this key. Each email sent receives a unique key for that message. The level of security for these encrypted keys is beyond comparison to traditional passwords. The user is logged into their account: When the key decrypts and passes all layers of verification, the Swoop authentication server directs the website to open the user’s account and begin a session. This all takes place in a matter of seconds and makes for an extremely streamlined user experience. Aside from being inherently more secure than a password, email authentication tools like Swoop will also provide a more efficient and elegant user experience which has helped increase new signups by up to 49%. That way, users know their data is protected, and you can avoid any potential breaches in security. It’s a win-win for users and developers alike! 2. What is authorization? Authorization is the next step in the login process, which determines what a user is able to do and see on your website. Once a user’s identity has been verified through the authentication process, authorization determines what permissions they have. Permissions are what the user is able to do and see on your website or server. Without them, every user would have the same abilities and access to the same information (including the sensitive data that belongs to another user). Permissions are crucial for a few a reasons: They prevent a user from accessing an account that isn’t theirs. Imagine if your online banking application

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Token Based Authentication

Token-Based Authentication: How to Optimize your Website

Did you know that the average user has around 90 online accounts to manage? There are many different ways an individual can gain access to an account, but not all authentication methods were made equal. While password-based login systems are the most popular choice, they’re far from the best. Here at Swoop, we think traditional login tools are huge liabilities for websites— both because they’re insecure and provide a terrible user experience. That’s why we’ve developed a more secure, token-based authentication service that can reduce the reliance on weak password systems. Take control of your login process and provide a better experience for your users! If you’re a web developer or system designer, you’ll need to implement some token-based authentication into your site. Modern users have come to expect the more streamlined experience that tokens provide. Plus, they offer a level of security that simpler systems just can’t beat. That’s why we’ve put together this helpful guide to token-based authentication. We’ll walk through some of the most common questions about this process and how it can improve your site: What is a token? What is token-based authentication? Why is token-based authentication better than a password? What are the different types of token-based authentication? How do I get started with token-based authentication? Token-based authentication methods can dramatically improve online usability and security by providing a more streamlined and highly secure process. As a developer yourself, it’s your responsibility to provide users with the best and most secure experience possible. Use the list above to jump straight to what you need, or read along from the top. Let’s get started. 1. What is a token? A token is a highly secure format used to transmit sensitive information between two parties in a compact and self-contained manner. Tokens are often used to strengthen authentication processes, whether that be within a website or application. A typical token consists of three key elements: A header that defines the type of token and algorithm used. A payload that contains information about the user and other metadata. A signature that verifies the identity of the sender and the authenticity of the message. When sensitive data is transmitted via token, users can rest assured knowing their private information is treated as such. This is crucial for any sort of payment information, medical data, or login credentials. 2. What is token-based authentication? Token-based authentication is a web authentication protocol that allows users to verify their identity a single time and receive a uniquely-generated encrypted token in exchange. For a designated period time, this token is how users access protected pages or resources instead of having to re-enter their login credentials. Here’s how the token-based authentication process works: The token proves you’ve been allowed in and allows you to view other resources and make further requests. This is an improvement from traditional processes that require users to verify their identities at every step. This enables the website to add more layers of security without forcing you to prove you are who you are time and time again. Thus, the process works to improve user experience and security simultaneously. 3. Why is token-based authentication better than password logins? Traditional passwords have one huge weakness: they’re human-generated. Human-made passwords tend to be pretty weak and easy to crack. We’ve all reused old passwords again and again because they’re easy to remember. Not only that, but a password-based login system requires users to continuously enter and re-enter their credentials, essentially wasting valuable time. The traditional password-based login process looks something like this: The user arrives at the target domain. They enter their login credentials. The server verifies the match and lets them in. The user is authenticated to access that domain. For steps 5-8, users need to repeat the entire process in order to access anything hosted on a different server, domain, or subdomain. Common examples include viewing or editing account details and beginning an eCommerce checkout. So what’s wrong with this process? A few things. For one, it’s unintuitive and wastes the user’s time. Who wants to enter their credentials over and over again in order to complete multiple tasks? Every user has better things to do than waste their time on a repetitive and unnecessary process. Plus, the login system above is likely already vulnerable because the password is weak to begin with! In this simple authentication setup, each login step is a weak link that’s open to attack. So how does token-based authentication offer new solutions? Token-based authentication is more secure. Token-based authentication, on the other hand, uses ultra-secure codes to prove that you’ve already been authenticated. They’re specific to the user, the particular log-in session, and the security algorithm that the system uses. In other words, the server can identify when a token’s been tampered with at any step and can block access. Tokens essentially act as an extra layer of security and serve as a temporary stand-in for the user’s password. Most importantly, tokens are machine-generated. Encrypted, machine-generated code is significantly more secure than any password you might create yourself. For example, our tools here at Swoop create digital tokens with 2,048-bit encryption that would take even the best hackers billions of years to crack. Token-based authentication offers a streamlined process. Rather than having to re-verify your identity every time you arrive at a new page, tokens are temporarily stored in the browser, providing you access to information on the domain for a specified time period. This allows you to jump from server to server or subdomain to subdomain without constantly being slowed by the authentication process. For users, this allows you to easily navigate a website and efficiently find the resources you’re looking for. For developers, it keeps individuals on your site for longer by decreasing the risk that users become aggravated and click out. When the user is finished with their browsing session, they simply have to log out and the stored token is destroyed forever. This way, users don’t risk leaving their accounts open

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Learn everything you need to know about two-factor authentication.

Two-Factor Authentication: A Definitive Guide For Websites

With online security becoming a popular topic, the importance of implementing secure authentication methods on websites is more crucial than ever. By ensuring that your users’ information stays safely behind your website barriers is about more than just maintaining your users’ trust. Without the right security measures in place, your users’ accounts could be easily compromised. As a result, sensitive information on users’ credit cards, contact information, and so much more could be in the hands of cybercriminals. While many organizations aren’t quite comfortable with the idea of removing passwords entirely, there are additional measures they can use to ensure that cybercriminals can’t access users’ private information. One solution? Two-factor authentication.  You’ve probably heard this term mentioned when the question of password security is brought up, but what is two-factor authentication and how can it make your users’ accounts more secure? You’re in luck! We’ll cover these questions and more in this in-depth look at two-factor authentication. Feel free to read our entire guide, or jump down to the following questions you need answered:  What is two-factor authentication? How does two-factor authentication work? Why should websites use two-factor authentication? What types of two-factor authentication can websites implement? How can organizations find a two-factor authentication vendor? Before you get started, brush up on how website authentication normally works with our complete guide! Keep reading to learn the ins and outs of two-factor authentication. 1. What is two-factor authentication? Simply put, two-factor authentication, otherwise known as two-factor verification or 2FA, is an additional step in the login process that requires users to present a piece of information that only the user should have. This “piece of information” can be anything from a one-time passcode to a physical token (for more types, jump to section four) that acts as a second confirmation to verify users are who they say they are. Essentially, a true form of two-factor authentication requires the user to have: A password and username (what they know) A passcode that was sent to their mobile phone, email, or authenticator app (what they have) In the standard login process, a user can access their account by entering a username and password—no additional steps required. However, in two-factor authentication, the user has to complete the second confirmation step.  Two-factor authentication has been around for some time, and you’ve probably used a version of this authentication method to log into an email or bank account or make a credit card purchase. Two-factor verification vs. security questions While two-factor authentication does require two steps, it shouldn’t be mistaken for security questions or other prompts (like completing a math problem). Security questions have a similar purpose, but are, ultimately, less secure than two-factor authentication because they’re “what you know” factors. By doing a little online digging, a hacker can easily guess the correct answer to your security question, whereas obtaining your phone would be much more difficult.  Additionally, the other prompts that users are asked to complete are usually there to ensure that the login request was made by a human. To sum it up: Two-factor authentication is an additional step users must take after entering in their credentials. To be considered a true form of two-factor verification, the second step must require the user to have something like a passcode retrieved from their mobile device or email account.   2. How does two-factor authentication work? Depending on your website’s specific needs, you may decide that you want to implement two-factor authentication as a required step for every login attempt or just for attempts that have been flagged by your system. For instance, many bank accounts only require users to complete a two-factor step if they’re logging on from an unrecognized device. Keep in mind: while two-factor authentication does offer an additional layer of security, in most cases, it also requires the user to complete another step, which can make the login process more time-consuming.  Once you’ve implemented two-factor authentication, here’s how the process would look using your cell phone: You land on the website’s login screen and enter your username and password to request access to your account. If you’ve only enabled two-factor authentication to activate if the request has been flagged, the system will determine if you need to complete the additional verification step to ensure you’re not a hacker. A code will be sent via text message to the phone number you provided when you created the account. During this time, you’ll be directed to a second login screen prompting you to enter the code. Once you’ve entered your passcode, the system will verify that the code you enter is the same as the one that was sent to you. If there’s a match, you’ll be able to access your account. Another key factor to note: websites can’t just set up two-factor authentication without some participation from the user. Let’s go back to the phone example. If the user hadn’t included a phone number when he or she signed up the account, the process wouldn’t work. To sum it up: Two-factor authentication is something that must be authorized by users before it can be implemented and requires two credentials to access their accounts. 3. Why should websites use two-factor authentication? Adds another layer of security to insecure passwords It seems we can’t go a day without news of a new password breach, and with more and more accounts becoming compromised, it goes without saying that passwords aren’t secure. Even if every person used strong passwords, our accounts could still be easily cracked using brute-force attacks and cracking technology. Whats more? Most users don’t create strong passwords. In fact, nearly every account created can be accessed using a password from a list of 10,000 most commonly used credentials.  Despite their vulnerability, passwords are used on countless websites to authenticate users. As a result, two-factor authentication is a way to add an additional security measure. Even if an authorized user obtains your account credentials, you’re protected because the hacker will need access to the second verification

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Are Your Passwords Compromised? Learn why your organization might be at risk.

Are Your Passwords Compromised? Why Companies Are at Risk

Is your organization putting enough emphasis on password security? Passwords are one of the primary ways organizations protect information, and they should be strong enough to restrict unauthorized users from gaining access to your information. But the unfortunate truth is that a good percentage of corporations are using weak or even compromised passwords. In order to keep our information safe, organizations need to start asking “Has my password been compromised?” If organizations continue to avoid the real concern that passwords cause, their sensitive information could be at risk. Just last year, there were over 1,000 data breaches, and more continue to occur. To help organizations see the weakness in their credentials, we’ve created a list of 5 reasons why your company’s passwords could be compromised. Here is what we’ll cover: Employees are using previously compromised passwords. Passwords are shared among team members. Similar passwords are used throughout the organization.  Companies employ out-of-date password quality standards. Organizations don’t use other security measures to protect against compromised passwords. Additionally, we’ll offer suggestions on how you can create a stronger security system for your website and user database.   1. Employees Are Using Previously Compromised Passwords On average, 7.34% of users have accounts with a compromised password. While that might not seem like a lot, that means that around 1 in 14 corporate users have a password that has appeared on a previously breached password list. So what exactly does this mean for your organization? Any accounts using compromised passwords are at a higher risk of being cracked. Using a compromised password is like giving a set of your house keys to a criminal. While the person may not know which key opens your front door, the criminal can easily run through the options. A hacker can gain access to a compromised account in the same way by running it through a list of previously breached passwords until they get a match. The process will take less time than running through every possible password combination. Depending on which accounts have compromised passwords, the hacker could gain access to sensitive information, enter your user database and obtain their credentials, or cause even more damage.   Without knowing it, you’ve made it easier for cybercriminals to access your information. How Organizations Can Prevent This Password Risk If your organization wants to stop using compromised passwords, you need to educate employees on password security. While your employees may know that using a simple password like “qwerty” isn’t very secure, they might not understand the severity of using weak passwords. Take the time to train your employees on the importance of password security and provide useful suggestions on how to create and remember strong passwords. Coincidentally, there is a lot of overlap between the most commonly used passwords and the passwords that have already been breached. As a result, your organization should screen any new passwords against a list of the most commonly used passwords. That way, your users won’t be able to use extremely weak passwords to create accounts. If organizations can stay away from these compromised passwords, they’ll be able to maintain much stronger security.   2. Passwords Are Shared Among Team Members One of the biggest challenges and most overlooked gaps in password security is the fact that passwords are shared among team members. Many organizations don’t realize that their passwords could be compromised because of sharing credentials. In fact, around 1 in 7 employees share their password with other users in the same network. What’s more, 54% of senior management doesn’t understand the risk of password sharing. Password sharing is a huge internal risk for companies for several reasons. First, password sharing removes accountability and gives access to certain components of your business that not every employee needs.  Think about it like this: if everyone is using the same login to access an account there is no way to track an individual’s activity, which can make it hard to establish who was making changes. As a result, when a breach does occur, your organization will have to put in more work to determine which changes where unauthorized. Additionally, any unauthorized activity could go unchecked for a long time. Since employees are used to multiple people having access to the same account, they will automatically assume that any changes were made by a coworker not an unauthorized user. To make matters worse, these shared passwords aren’t usually changed after an employee leaves the company. Lastly, the method in which passwords are shared can pose a problem for your organization. Most password sharing occurs over email, increasing the risk of your accounts becoming compromised. If a hacker gains access to an employee email account, the person can search through emails to find credentials for accounts with higher-level permissions, leaving those passwords compromised as well. How Organizations Can Prevent This Password Risk Of course, in some situations sharing credentials is unavoidable, but your employees should be aware of the risks of sharing their passwords. It’s important that your employees are taught not only how to prevent password sharing but also why it’s important to your company’s internal security. In addition to training, every employee should have individual credentials to the software and tools that they need access to. Each employee’s permissions should match their role and should be adjusted accordingly if that role changes. Additionally, if an account with several permissions gets hacked, the unauthorized user will have access to more capabilities. Another alternative is to eliminate the the need for a password by using a passwordless login system. Implementing another form of credentials can deter employees from sharing login information with fellow coworkers. To keep your information safe, make sure that you have a team (preferably your IT team) monitor any unusual or suspicious behavior. This way, you can spot any unauthorized activity early.   3. Similar Passwords are Use Throughout the Organization In our work and personal life, we’re often juggling several accounts and need to remember a lot of different passwords. To make memorizing passwords easier,

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Check out 4 ways you can implement user onboarding software to boost your application.

4 Ways User Onboarding Software Can Revamp Your Application

We’ve all experienced navigating a new web application. Sometimes the experience is easy and we’re able to maneuver our way through the tool with little to no problems, while other times the process is confusing and leaves us questioning whether this tool will make our lives more convenient. Every company strives for the former, but not all make the cut. So what’s the solution for companies who want to start the new user experience off on the right foot? A greater attention to user onboarding. The process of introducing new users to your application or website and providing them with steps or tips to get started is the definition of user onboarding.  The popular phrase, “first impressions matter” stands true, especially when it concerns user onboarding. Your onboarding process reflects the overall quality of your product.  Think about it: if a user has a frustrating experience trying to get acquainted with your application, that doesn’t inspire confidence in your tool’s ability to solve their need. That’s why there are so many tips and strategies companies can use to improve their application’s onboarding process. And, we’ve got 4 ways you can benefit from user onboarding software. Here’s what we’ll cover: Create a foolproof user onboarding plan. Simplify the login process with user onboarding software. Make the user onboarding experience engaging and intuitive. Maintain a consistent brand throughout all your user onboarding materials. While these tips, ultimately, make your user’s experience enjoyable, having a sound user onboarding experience is also beneficial for employees. New team members will be able to easily understand your products and help customers through any challenges. So what are you waiting for? Let’s dive into the first tip! 1. Create a Foolproof User Onboarding Plan From setting up an account to navigating your tools to learning how each feature works, there’s a lot you have to cover in your user onboarding process. That’s why it’s important to create a plan that explains what you want to cover and how you plan to introduce it to your users. Plus this will help to determine what types of user onboarding software you’ll need to make the process fun for your customers. Of course, you won’t be able to cover everything your application can do in your onboarding, so you’ll have to narrow down what elements are important for a user to know right away.  Before you start creating your onboarding materials, focus on your objectives. Because each application is different, no company’s desired outcome will look the same. However, there are a few areas your onboarding plan should focus on: Application Benefits. What are 2-3 key benefits that your application provides? How are are those advantages achieved using your application? Application Functions. What core functions or capabilities is your application able to accomplish? How can you convey these functions in your onboarding process? Application Account. Is the user’s account critical to the functionality of your application? If so, how will you show users their account and ways to customize their settings? Application Security. How is your application protected? Can you convey your application’s security in a way that’s easy for the user to understand? Application Examples. Is it important for the user to see examples or practice certain features themselves before completing the onboarding process? How can you walk through these actions in an engaging way? Keep in mind the  challenges users might face when navigating your application. Are there any actions that are particularly hard to achieve? You might have to compile feedback from your staff and beta users to get the answers to these questions. Any challenges or difficult steps could affect how you create your onboarding process, so it’s a vital step to the planning stage. Ultimately, your plan should cover all three stages of the onboarding process — the registration phase, the initial onboarding phase, and every phase of the customer’s use of the application. Key point: Creating a plan will help you determine what features and actions to cover in your onboarding process. It’s important to stick to the essentials so you don’t overwhelm users with too much information all at once. 2. Simplify the Login Process with User Onboarding Software If your application was a house, think of the login process as the front door. It’s the first hurdle users have to navigate before they can access your web application, and it’s vital to your website’s security. Setting up an account should be one of the easiest parts of your process. After all, the goal of user onboarding is drive users into your app and show them how easy it is to use. Too many fields and complicated password creation standards can deter users from completing the first step, especially if donors have to create a new username and password. Nowadays, users are juggling an average of 27 accounts (and that number is only rising). As a result, people are being more particular about the accounts they set up. If setting up an account becomes too time-consuming, users are likely to abandon the process and move on to the next application. Luckily for you, creating a simplistic login process isn’t unattainable — just eliminate the need for a password altogether! Many organizations have realized the faults in password authentication (just check out our guide!) and have turned to passwordless options. Passwordless login allows users to access an application using another form of authentication, such as email or fingerprint scanning.  For example, @Pay’s Swoop technology allows users to sign up and log in simply by sending an email. Signing up just takes three steps: Users press the “Sign Up” button on your company’s website. The button triggers a mailto link that directs users to a pre-written email with instructions on their next step. Once users send the email, @Pay’s system will run their email through three levels of security checks to verify the email address. The process only takes a couple minutes to complete, and users will have the option add personal information if it’s required to complete the account.

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Learn about 8 ways websites and users can stop email password breaches.

Email Password Breach: 8 Ways Websites & Users Can Stop It

When it comes to online security, one of the worst things to happen is when a hacker gains access to your email account. Aside from it just being a hassle—you have to change your password or create an entirely new email address—hackers can use the information from your email to enter other accounts with even more sensitive data. Think about it: a common way to reset a password once it’s been forgotten is to send it through your email address. This means that a hacker could potentially gain access to anything from your Netflix account to your online banking account. Even organizations should be cautious of their employees’ email accounts. With access to an employee email account, hackers could cause real damage to your organization’s website and obtain sensitive information from your user database. Luckily for websites and users, there are ways to protect email addresses from cybercriminals.  We’ll cover eight ways users and websites can protect their information: A. Email Password Breach Prevention Tips for Websites Implement a secure login process Use emails with end-to-end encryption Protect and secure your administrator accounts Train employees on security best practices B. Email Password Breach Prevention Tips for Users Create strong passwords for all email accounts Set up two-factor authentication Check your email’s recent account activity Only create accounts on websites you trust Let’s dive into the first tip! Email Password Breach Prevention Tips for Websites Email Password Breach Tip #1: Implement a Secure Login Process Your organization’s main objective should be protecting your users’ information, and one way to achieve this is by implementing a secure login process—both internally for employees and externally for users. You might be thinking “We already have a secure login process,” but odds are you could do more to improve it. Traditionally, you enter a password and username to confirm your identity before you can access your account. In theory, this step stops unauthorized users from gaining access, but the truth is most accounts aren’t secure because their passwords aren’t strong enough.  Nowadays, it’s easy for a hacker to guess a user’s password or obtain it through a brute-force attack (which means that software is used to run through every possible combination until a match is found). What’s more? People aren’t using password security best practices to create strong passwords. If passwords can’t be trusted to protect your website’s information, what can you use?  Tech-savvy websites are gravitating toward more secure options, such as: Email authentication. Instead of creating an account or logging in with a password, users can access information by verifying their email address. Token authentication. Using a physical token or a single-use passcode that is sent to your phone via text, users can access their accounts without having to create or remember their own passwords. Biometrics. Everything from fingerprint and facial scanning to voice analysis falls under the category of biometrics. Swoop’s secure email authentication tool, for example, uses three layers of security checks to determine if the request came from an authorized user. If our system suspects that any suspicious behavior like a login request made from an unidentified device, users will be asked to confirm or decline their request via text message.  That way, if a user does experience an email password breach, the accounts linked to the email address won’t be compromised. Key point: Organizations shouldn’t rely on passwords to protect their users’ information. By utilizing a passwordless login option, a user’s other online accounts can still stay secure even if his or her email address becomes compromised. Email Password Breach Tip #2: Use Emails With End-to-End Encryption We’ve talked about how you can protect your users’ accounts, now it’s time to look at how you can secure your employees’ emails. Depending on the nature of your organization, you could be sending emails with sensitive information. One of the biggest concerns with internal account security is that employees are sharing their account credentials via email. In fact, 1 in 7 employees share passwords with other team members. With credentials stored in your employees’ inboxes, it makes the hacker’s job easier. If a hacker gains access to one email account, he could obtain the credentials of another account with higher permissions and cause further damage from there. If a hacker can’t access an employee’s email account, he might try to gain access to your email server to obtain the content from your company’s emails. Organizations can protect themselves from this type of threat by using end-to-end encryption. Unlike regular encryption, with end-to-end encryption the key to decrypt messages isn’t stored in the server but rather in the client systems. This way, if a hacker does access your email server, there’s no way for him to decrypt the emails. Another benefit of end-to-end encryption is that each client system as their own key. If a employee device is compromised only one key is lost which means that the entire system isn’t compromised as a result. Organizations have two solutions if they want to implement end-to-end encryption:  Train employees on how to use an email encryption system. Use a secure email provider that has an email encryption system built-in like ProtonMail, Hushmail, or Tutanota. Even with proper security training, it’s impossible to stop every employee from sharing credentials, but with end-to-end encryption, you’ll make it harder for hackers to access the information. Key point: Protecting your employees’ email accounts should be about more than just securing their credentials. Organizations need to use end-to-end encryption to secure the information being shared via email as well.   Email Password Breach Tip #3: Protect and Secure Your Administrator Accounts When cybercriminals hack into an employee’s email account, their goal is to find a way to access an administrator account. These accounts have the highest permissions that can change the settings of other accounts and, generally, have access to sensitive information. That’s why it’s important for organizations to take extra security measures to protect their administrator accounts. Organizations can use the following best practices to ensure their administrator accounts stay protected: Ensure that credentials for

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Our top picks for the best free WordPress plugins for growing businesses!

12 Best Free WordPress Plugins for Growing Businesses

Building a web presence is essential for your growing business to gain a foothold in the market today. More and more companies (of all sizes) rely on website-building platforms like WordPress to create their pages, manage content, and conduct e-commerce. If your business uses WordPress to create and manage its website, you were likely attracted by the platform’s extremely customizable options. Professionally-developed and cutting-edge WordPress plugins are what sets the platform above and beyond its competitors. You can find a plugin to address practically any digital issue or need you encounter, like security features or blogging tools. Best of all, you can find extremely effective solutions for free! Users and developers are constantly creating new solutions and sharing them with the WordPress community for the sole purpose of helping small businesses and entrepreneurs thrive online. We’ve identified, ranked, and reviewed the best free WordPress plugins, each addressing a different digital need. Use the list below to navigate between our entries on each plugin: Swoop: Password Free Authentication Backup WD Antispam Bee Yoast SEO Zotabox Newsletter Editorial Calendar Nested Pages ShortPixel WooCommerce Product Catalog Holler Box Growing businesses need to save money whenever possible, and knowing where to look for the most cost-effective and useful resources is half the struggle! As you build out your business’ website, use this page as a handy resource. The best free WordPress plugins won’t only solve a digital problem and save you money, they’ll help your business grow in the long run. Let’s get started! Site Maintenance and Security: Best Free WordPress Plugins 1. Swoop — Best WordPress Plugin for Login Security Overview of this Free WordPress Plugin Swoop is a groundbreaking new solution that will completely improve how your web visitors interact with your site. Online users are swamped by the obligation to save countless passwords for every online account they create with online stores, services, platforms, and forums. Not only does this reliance on passwords create huge security risks, it’s a nuisance for consumers and a nightmare for small online businesses! As e-commerce giants continue to grow, it’s become easier for shoppers to simply use the massive, all-in-one store rather than take the time to shop around and find any truly better alternatives. Eliminating the need for passwords, boosting security, and streamlining login are the keys to fighting back! When engaging online users in any way, you owe them the safest, quickest, and most streamlined experience possible. That’s where Swoop comes in. With this free plugin, your users can log in to your site using just their personal email address. Swoop’s layers of advanced security processes will authenticate the account and take care of the rest! Here’s how it works: Once the user clicks the button on your site’s login page,  Swoop generates an email message for the user to send. Swoop processes the email through several layers of authentication procedures, then grants access. With its combination of comprehensive, up-to-date security processes and reliable mailto techniques, Swoop provides a completely new, passwordless login experience for your users. Top Features of this Free Plugin Swoop’s free WordPress plugin can be an effective tool for your growing business for two main reasons: Swoop makes user registration and login easier than ever, and it provides a more secure solution than traditional usernames and passwords.  Here are some specific ways that Swoop can benefit your business’ WordPress site: Two-click sign-up and login process for users Eliminated need for password creation Four layers of security, including DKIM and SPF authentication algorithms Notifications in the event of suspicious login requests Configurable systems to manage and monitor your site’s sign-ins. Plus, it’s free to get started with Swoop for WordPress! Install the plugin for all of your existing users to use Swoop’s login and security features for free. Why this WordPress Plugin Made Our List Our mission at Swoop is to help small online businesses grow by it making it easier and safer for consumers to use their websites. We believe that opening up the world of online business to more diversity of consumer choice requires a complete rethinking of how websites should work. Swoop makes using your website, making a purchase, managing info, or posting a comment easier than ever, boosting your rates of user engagement and growing your audience. With login and authentication processes more universal and secure than traditional logins (or Google and Facebook logins!), Swoop is helping consumers and growing businesses reclaim the internet! 2. Backup WD — Best WordPress Plugin for Backups Anyone who’s suffered the misfortune of a serious server crash knows that losing all your hard work and essential information is a major catastrophe. Regular and reliable backups should be your website’s very first line of defense.  Backup WD, available as a free WordPress plugin, offers your business a quick and fully-functional way to save the contents of your website in just a few clicks! Plus, its backup tools include a number of important features: Unlimited number of backups Cloud and archive storage options in multiple formats Automation and scheduling settings Customizable exclusions from backups By offering the essentials of any strong backup tool plus flexible options (for free!), Backup WD is a truly useful and user-friendly way for your growing business to protect its website! 3. Antispam Bee — Best WordPress Plugin for Spam Protection Spammers and spam messages pose a major risk to your growing business’ website! By flooding your site with automated or bot-generated promotional messages and links, spam can seriously harm your website’s performance and drive away your actual users and customers. The Antispam Bee free WordPress plugin offers some simple but extremely effective tools to combat spam and protect your site! Check out some of its top features: Automated filtering and deletion of suspected spam comments Block options for IPs based in certain countries IP address validation of commenters Automatic match against public anti-spam databases Personal dashboard for spam detection statistics for your site Never worry about spam comments becoming a major issue for your website and its users again!

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Learn about our top recommended WordPress membership plugins.

5 WordPress Membership Plugin Reviews: Top Engagement Tools

If you create content online— whether it’s through an online blog, an eCommerce store, or a combination of both—it’s likely you have some type of membership program that lets your followers get access to exclusive content for an additional price. Or maybe you want to incorporate a membership program on your blog and are looking for tools to get your program all set up. Managing your membership program is crucial if you want to grow and retain existing members. A profitable membership program not only provides members with high-quality content but also has a user-friendly experience, builds a community through online engagement, and keeps detailed records of members. Luckily, if you’re producing content on a WordPress blog, then there are several plugins that can help you get your membership program up and running as well as improve the user’s experience.  In this article, well cover our top five recommended WordPress membership plugins: Swoop Restrict Users Access Users Ultra wpDiscuz Asgaros Forum Our WordPress membership plugin reviews will explain the various features that each tool offers as well as why it’s essential for your membership program. Let’s dive into the first plugin: Swoop. 1. Swoop WordPress Membership Plugin Review If you’ve ever experienced the frustration of creating a password for a new account, then Swoop is the right plugin for you! At Swoop, our team believes that passwords are not only obsolete but also an insecure way to protect your accounts. Our WordPress membership plugin makes the account set up and login process easy for your members by completely eliminating the need for a password. Your members will be able to sign up and log in via their primary email address. What’s more? The process only takes a couple of seconds to complete! Here’s how our secure plugin works: When users want to sign up for an account, they click on Swoop’s signup button. The button will trigger a mailto link, that will direct users to a pre-written email. Users will hit “send” to confirm their account set up. Swoop’s tool will run a series of security checks to verify that the email address came from the user (a process that takes just seconds). Finally, users are granted access to their new account. In just four steps, your members can join your program and create an account without filling out a time-consuming form or creating a hard-to-remember password. Key WordPress Plugin Features Swoop’s technology makes it easy for users to sign up for your membership, and comes with the following robust features: Two-click signup and login buttons Four layers of security, including authentication through DKIM and SPF Compatible with mobile and desktop devices Instead of making your members remember another username and password to access your exclusive content, give them an easier solution like Swoop. Why This WordPress Membership Plugin Made the List As we’ve mentioned passwords (and the account creation process in general) can be a very time-consuming and frustrating process. Why make it more difficult for your users to join your membership program? When the process is quick and easy, there’s less standing in your users’ way when it does come time to join. Plus, passwords are a user-generated security method, that many experts say isn’t that secure. Give your members peace of mind when they join your program by ensuring that their account is protected. Swoop’s membership WordPress plugin is a secure way to login because it uses your email domain’s built-in security measures to ensure that no one can hack into your account. WordPress Membership Plugin Pricing 2. Restrict Users Access WordPress Membership Plugin Review Restrict Users Access is a WordPress plugin that allows you to restrict content on your website. The plugin makes it easy for you to control when members get access to exclusive content. That way, you can roll out content over time. If you’re just setting up your membership program, this tool will come in handy! Restrict Users Access is a WordPress membership plugin that makes it easy for you to create your program with different levels and restrict access to specific blog posts or products. Key WordPress Plugin Features Restrict Users Access comes with several features to help you create your membership levels and organize your content restrictions. Here’s a look at some of the capabilities you’ll have: Create unlimited membership levels Control membership durations Hide navigation menus depending on membership level restrictions Write custom messages to tease content to non-members This WordPress membership plugin also lets you restrict content based on multiple conditions, such as: Singular posts or pages. Content with a specific tag or category Content written by a specific author Additionally, Restrict Users Access supports interactions with popular plugins like WooCommerce, Polylang, and BuddyPress. Why This WordPress Membership Plugin Made the List Setting up a membership program for your website can take a lot of time and planning. With Restrict Users Access, you can create your membership levels and determine what content each level will have access to without any complex coding. This tool handles all the coding for you, allowing you to focus on what’s most important: providing members high-quality content. You can rest assured knowing that members are getting the content they paid for. Moreover, you can schedule content using the “drip” model so that members have access to content over time rather than all at once, which means members will keep coming back to your website. WordPress Membership Plugin Pricing You can download and start using Restrict Users Access for free. 3. Users Ultra WordPress Membership Plugin Review Coining itself as an advanced user communities tool, Users Ultra is a WordPress plugin built to connect your online communities like your website and social media accounts to offer a superb membership experience. Users Ultra aims to create an engaging experience for your members by offering a whole host of customizable modules to improve your membership offerings. Some of these modules allow you to restrict content based on the user’s membership level, display a user’s online/offline status, and communicate with

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How does two-factor authentication work, and why is it important for your site to use the right tools?

How Does Two Factor Authentication Work? Steps & Examples

At Swoop, we make two-factor authentication simple. It shouldn’t be a hassle for your users to be safe, and it shouldn’t be expensive or complicated for you to keep them safe. We’ve already walked through the big picture of two-factor in this quick guide – why it’s important, the benefits it has, and different types of solutions. But if you’re not sure exactly how the two-factor process works, you probably want a deeper understanding of it before installing a new tool on your site. Here’s how the two-factor authentication process works and different examples of two-factor in action. How does two-factor authentication work? Here’s a simple way of explaining the two-factor process: asking users to both know something and have something before they’re allowed in or authenticated to use your site. Sometimes sites also require that you be something, usually meaning you’ll use your fingerprint to unlock something. The idea is that whatever factors the site asks you for will match what the site’s server has on record for you as a user. Here’s how the process breaks down step-by-step: The user is prompted by the site or app to log in. The user enters what they know. This is usually a traditional username and password combo. The site’s server finds a match and recognizes the user. For processes with passwordless login options, the site generates a unique security key for the user. The key gets processed by Swoop and validated by the site’s server. Learn more about this process here. Next, the site prompts the user to initiate the second step to log in. This step can take a few different forms, but the idea is to prove that you have something only you would have, like your cellphone. The user then enters a one-time code that was generated for them during Step 4. After going through both factors, the user is authenticated and granted access to the website or app. Why should you care about two-factor? A couple of reasons: First, if you run an online business and don’t take steps to secure your users’ data (beyond a basic password system), you’re putting your customers at risk. There’s really no excuse these days for poor security, with so many tools available and so much at risk. Next, single-factor login is not secure at all. Passwords alone are not strong enough to protect a site. Just think about how many times you’ve reused an old password to make it easier to remember. The internet is full of these human-made weaknesses that are so easy for hackers to tap into. In fact, a Verizon cybersecurity study has found that 81% of all hacking activities start via stolen or weak passwords. Finally, traditional authentication methods suck for users. Password-based systems ruin the UX value of your site, driving away visitors and new customers. Two-factor authentication is a great way to incorporate new tools and innovations into your site’s login process, like Swoop. Just make sure your new two-factor tools don’t end making the login process even slower or more complicated! The bottom line: Any site or app that handles sensitive information has to protect its users. If you rely on your site to convert new customers, an old fashioned login system is even more of a liability. Two-Factor Authentication Examples Let’s walk through three of the main forms of two-factor authentication: passwordless, SMS-based, and app-based. Passwordless Two-Factor Authentication from Swoop You know: your Swoop PIN You have: an email address Swoop is a powerful authentication tool that can completely eliminate passwords on your site. Using ultra-secure email-based authentication techniques, Swoop is basically like generating a brand new password every time you log in and then immediately destroying it once you’re done. The main idea is that Swoop can be implemented into any combination of authentication factors. You can create your own passwordless two-factor authentication method for your site or app while seriously improving security and UX. Swoop users have reported the only hard part of installing it is figuring out how to remove the old two-factor solution that wasn’t cutting it.   What’s the best combination of factors for your two-factor authentication system? A Swoop login button + a PIN. Simple, secure, and fast as hell. Plus, it’s extremely cost-effective for small businesses, just a penny a login. SMS-Based Two-Factor Authentication You know: your username and password You have: the special one-time code texted to your phone This example of two-factor authentication is currently the most common method on the internet. A user enters their password and is then prompted to request a code be texted to the phone number that the site already has on record for their account. Once they enter that code, they’re granted access. SMS-based two-factor is used by all kinds of sites and services. A typical example might be banks and financial services that let customers manage their finances online. This two-factor authentication method can also be useful when adapted in other ways. For instance, a one-time SMS code can be used to re-verify your identity if you forget which password you need for a site. Drawbacks of this two-factor authentication example: It can become extremely expensive for online businesses to use, especially for small businesses. Authenticator services typically charge around $.75 per text message. Let’s say you get around 5,000 logins a month. That’s a $3,750 bill for your small business to pay. Phones are much less secure than they used to be. Smartphones and phone numbers can easily be hacked or stolen. This would grant a thief access to all your accounts if your phone automatically remembers and fills those passwords. Requiring a user to use multiple devices or switch applications is bad UX design. This method isn’t the very worst for UX, but it’s still never a good idea to slow down users trying to interact with your site. App-Based Two-Factor Authentication You know: your username and password You have: access to an authenticator app on your smartphone This example of two-factor authentication

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Learn how strong your password is with advice from security experts.

How Strong Is My Password? | “Not Very,” Security Experts Say

With the recent Equifax data breach and the many other corporations that have faced similar situations in the last couple of years, companies and users are putting more emphasis on their password security and asking the important question, “How strong is my password?” Password strength is an important topic and with best practices that are constantly changing, it can be difficult to know whether your efforts are increasing your protection or not effective at all. We’ve asked security expert John Killoran, CEO of Swoop, to help explain why your passwords might not be as secure as you think. Here’s what we’ll cover: Password security is more important than ever. Common best practices to strengthen your password.  Password security checkers can’t answer the question. The problem with passwords. The solution is to use password alternatives. Keep reading to learn the truth about the strength of your passwords. Password Security Is More Important Than Ever According to a recent study, the average person has 27 online accounts, and the trend is headed up. It’s estimated that the number of logins per person will double every five years. As we migrate more of our information online, we need to take the necessary steps to ensure that information doesn’t get into the wrong hands.   “Users aren’t the only ones that need to be concerned with password security,” says John Killoran. “For-profit businesses and nonprofit organizations need to look internally for ways to keep their users’ information safe.” In 2016 the Yahoo data breach compromised 1 billion accounts, and more recently, the Equifax data breach put 143 million users at risk. Before the Equifax breach, it was discovered that the Argentine branch used the password “admin” to protect their customers’ sensitive information. If more people continue to choose convenience over security, there will only be more large data breaches in the future. Even when we’re not creating an account, our sensitive information are stored behind a password. Imagine that you’re donating to a nonprofit, for instance. When you enter your payment information, your name and credit card number is stored in that nonprofit’s database. The data is protected using encryption, but hackers can use technology to crack the key to encrypted data or gain access through an employee’s login. It’s up to users and companies to create stronger passwords and take more effort in securing their sensitive information.   Common Best Practices to Strengthen Your Password So you might be wondering what methods you can take to strengthen your passwords. With so many different rules and conflicting opinions on what users should do, it can be difficult for users to know which strategies are proven to work and which ones fall short. John suggests that donors create passwords that are at least 8 characters long with a random mix of numbers, symbols, and uppercase and lowercase letters. Additionally, he recommends users avoid any dictionary words and personal elements. John says, “Using personal information like your name or birthday can instantly weaken a password. Hackers can find these facts by doing a quick Google search. Users should also avoid all dictionary words because computer programs can scan through a billion words per second to crack your password.” What else can you do to create more complex, harder-to-crack passwords? A few more tips that password experts recommend are: Don’t change your password frequently. Contrary to popular belief, creating a new password every few months can lead to weaker accounts. The time and effort that it takes to create a unique password every few months, might cause users to settle for easier credentials. Do use a different password for every account. A shocking 54% of users only have 5 or fewer unique passwords across their accounts. By using a handful of passwords, you’re making the job easier for cybercriminals. If one of your accounts becomes compromised, there is a higher risk of your other accounts getting hacked as well. Don’t follow patterns or simple formulas. Let’s face it: we often follow the same formula to create a password. We pick a word that’s easy to remember, capitalize the first letter, add a few numbers at the end, and end it with an exclamation point. These formulas make our passwords more predictable and easy to hack. Do make your passwords as random as possible. The hardest passwords to crack are the ones that use a generous mix of characters compiled through a random process. Even with computer programs, these passwords could take years to crack, at which point the cybercriminal will look for easier targets. Another tip that many experts suggest is to use a password manager. These tools help you organize and store your accounts in one location. “Password managers can be useful when you’re juggling many accounts,” says John. “Tools like Lastpass can generate strong passwords for you and automatically enter fields on the login page so users don’t ever have to remember a password again. However, these tools do have their risks.” The challenge with password managers is that users will have all their accounts under one master password. If your password management tool becomes compromised, a hacker will have access to every account you have stored.   Password  Checkers Can’t Answer the Question, “How Strong Is My Password?” How do users answer the question “How strong is my password?” Well, after following many of the best practices, many users like to run their password through a strength meter that will rate their passwords usually on a scale of very weak to very strong. Even large companies have started embedding password checks during the account creation process. We’ve all experienced not being able to move forward with our account because the password we created was too weak. But, how effective are these tools at evaluating the strength of our passwords? Many experts say that password checkers can actually provide users with a false sense of security. John explains how “many of these checkers aren’t created equal; each one uses a different set of criteria. Some follow standards that

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Two-factor authentication solutions should strengthen your site, not hold it back!

Ultimate Guide to Two-Factor Authentication Solutions

Two-factor authentication solutions have so much promise for truly securing the internet experience, yet they’ve been slow to be adopted. This article tells you the whole story of two-factor, and it’ll show you all of the options available plus the best ones to use so your customers will be happy. Two-factor authentication solutions are much safer than any single-factor login methods. A Verizon cybersecurity study has found that 81% of all hacking activities start via stolen or weak passwords. That’s huge! Two-factor is an essential way to strengthen the login process. So why hasn’t it completely dominated the internet yet? Why doesn’t every site and app require two-factor authentication? Because current two-factor authentication solutions are a pain. They’re annoying and intrusive. They drive away users and make the login experience terrible. Good luck growing your user base when it’s a hassle just to log into your site! The internet is an enormous place, so why would anyone bother? Think of it this way: No one likes having to remember a password, let alone remember their password and then deal with an extra step after typing it in. No one really wants to share their personal phone number with some random website, even for security purposes. Common two-factor solutions can get really expensive for sites to use. $.75 per text message adds up fast! It’s clear now that users are only really willing to jump through hoops when they have something important at stake, like managing their finances with an online bank portal. Swoop’s login tool is the only option available today that’s convenient, cost-effective, and ultra-secure, but you’re going to need some additional context before making any decisions. Let’s walk through some common questions and things to consider: What are two-factor authentication solutions? What’s the purpose of two-factor authentication? What are the benefits of two-factor authentication solutions? Let’s get started improving your website or application. What are two-factor authentication solutions? To start off, let’s cover a basic definition of two-factor authentication: A website authentication method that requires you to provide at least two out of three validating elements: Something you have, like a smartphone Something you know, like a password Something you are, like your fingerprint Any combination of these elements creates a two-factor authentication solution, although some combinations are definitely more common than others. There are three main types of two-factor authentication solutions, some of which you’ve probably encountered before. 1. Mobile phone-based two-factor authentication solutions What you have: Access to your mobile phone. What you know: Your login credentials, email and password. This method requires users to enter their password and then request a one-time security code be texted to their mobile phone. When they enter that code, they’re fully authenticated. This two-factor authentication solution is common and fast, but it’s expensive for sites to use and increasingly not recommended by security experts. 2. Two-factor authenticator apps What you have: Access to your account on a mobile authenticator app. What you know: Your login credentials, email and password. With this two-factor authentication solution, your website or app partners with a third-party authenticator service. Your users will need to have an account with that service and download their mobile app, which will generate one-time security codes when requested. This clunky solution makes it harder to log in than it makes it secure. 3. Email-based security keys – Swoop What you have: Access to your email account. What you know: Your email address. Swoop is a passwordless, email-based authentication solution. It’s the most efficient and secure two-factor authentication solution available because it’s secure, cost-effective, and easy to use. When implemented into a two-factor system, Swoop uses token-based techniques to essentially create a brand new ultra-secure password every time a user logs in. Then, the codes are processed automatically. No need to bother the user with manual entry tasks that slow everything down. Explore our how it works page to learn more about the process. Swoop fits into any possible combination of security factors to offer a more seamless user experience. But the best combination of factors has to be the magic login button + a Swoop PIN. It’s a game-changing way to authenticate users in a secure two-step process without asking them to lift a finger. Explore our next guide on how two-factor authentication works for more details on each type listed above. Plus, we’ll cover extra examples of how Swoop login buttons and PINs can completely change how you handle login. What’s the purpose of two-factor authentication? Now, we’ll walk through the purpose and logic behind two-factor authentication solutions. Traditional, single-factor systems (like a basic username/password combo) are very weak. They’re probably the worst way to protect anything online these days. This is due to a few reasons: A single layer of protection is always a weak option. Hacking techniques have become extremely advanced over the years, and basic login tech hasn’t kept up well. Huge data breaches consistently lose tons of passwords to hackers. Forcing users to create passwords leads to weaker passwords, as users will re-use old ones for convenience. You probably use just a handful of different passwords (or maybe even just one!) for multiple different online accounts, right? Chronic, human-made weaknesses like these are all over the internet. There’s no reason it has to be that way. Two-factor authentication solutions address this major security weakness. The main idea is, of course, to add an extra layer of security to the login process. Plus, when combined with SSO methods and/or token-based authentication tools, two-factor processes are extremely effective. They secure the user’s data and improve the user experience by reducing the need for them to continually log back in. Removing traditional password-based login methods, in particular, is a great way to improve the user experience and grow your business. Imagine a store that forced you to recite a secret code every time you wanted to come in and look around. Sure, it makes it less likely that anything will get stolen. It also drives away

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Develop a new customer acquisition strategy for your small online business with our comprehensive guide!

Customer Acquisition Strategy: A Q&A Guide for eCommerce

Customer acquisition has always been an essential element of business success, but the explosion of small business enabled by the rise of eCommerce has made it more important for more entrepreneurs than ever before. Online business and retail have completely changed how consumers think about making purchases, researching options, and returning to trusty brands. Elements of the user experience that we’ve previously taken for granted have become immensely important in determining how a potential customer engages with an online business. For instance, in one case study about eliminating password-based login from online transactions, 86,000 of 100,000 customers chose to set up an account and store their payment information when the login process was simplified and secured in new ways. For reference, the internet average for this kind of customer acquisition hovers between 5,000 and 12,00, depending on the industry. As an entrepreneur, you already know what you’re up against. In many ways, the internet has made it incredibly easy to get started with your own online small business, but our networked world has also made it harder than ever to secure a foothold with customers and audiences. Plus, competition will only continue to increase as retail eCommerce sales have been growing steadily for years: According to this data from Statista, eCommerce sales in the US topped $130 billion in the third quarter of 2018, up from less than $35 billion less than 10 years ago. That kind of growth is driven in large part by customer acquisition, but reaching and converting new customers can feel like an uphill battle for many entrepreneurs. If you’ve got questions about digital customer acquisition, look no further. We’ll walk through the ins and outs of developing a new customer acquisition strategy for your eCommerce business, and we’ll point out some new techniques to incorporate into your digital arsenal, as well. If you have a specific question, use the navigation below to jump right to that section: What is healthy customer acquisition? What is the customer acquisition process for eCommerce? What are some common acquisition roadblocks? How do you increase customer acquisition? How can you boost customer retention for eCommerce? Customer acquisition, the conversion process, and retention-boosting strategies can all be tricky topics to master on their own. Don’t let the digital nature of eCommerce make these concepts any more challenging than they need to be! Let’s get started: 1. What does healthy customer acquisition look like? A healthy and sustainable rate of customer acquisition will look different for every business. The nature of your eCommerce business, the size of your market, and your target audience’s online habits will all generally influence how quickly you attract and convert new customers. To get an idea of what an ideal rate of customer acquisition might be for your business, begin by determining some benchmark metrics. Your current and average rates of customer acquisition are good places to start. Determine how many new customers you converted during the past quarter, and then look across the previous year. Try to calculate the rate for each quarter you’ve been in business. These data points can give you a rough idea of how you’re performing in terms of acquiring new online customers. If your rate of customer acquisition has remained steady over several quarters, focus on growing it. If your acquisition has fallen, it’s time to rethink and refresh your strategies. If your acquisition has risen, identify the strategies that fueled its rise and continue to refine them. If your eCommerce business is suffering from low or declining customer acquisition, you’re almost certainly already aware of it. However, it’s important to have realistic expectations and set achievable goals whenever you work to develop new acquisition strategies. Before setting out on improving your rate, review the state of your business and the space it occupies in the market. Here are two useful questions to consider: How often do people use or need my product? A grocery store’s rate of customer acquisition will be much higher than a luxury car dealership’s, even though both of them might be healthy. Think carefully about your market, audience, and the value you provide them to avoid setting unrealistic goals that are out-of-line with the nature of your business. How competitive is my space? The number of other eCommerce players fighting for your prospect’s attention will directly impact your rate of customer acquisition. The number of small online businesses today is staggering, so recognizing the scope of your competition is essential for determining achievable but ambitious goals for your acquisition strategies. Generally speaking, a healthy rate of customer acquisition will enable an eCommerce business to grow its revenue. At the very least, this means replacing lapsed or one-time customers quarter over quarter. Every business will have its own ideal rate of acquisition, but growing your customer base is the overall goal. Low customer acquisition is costly for online businesses. Having a stagnant or declining rate of customer acquisition can seriously hurt your business in both the short- and long-term. In the short-term, failing to convert new customers directly affects your revenue, but fighting a prolonged uphill battle to reach and acquire new customers can cost you even more over time. Use your business’s cost of customer acquisition, or CAC, to determine how much money you spend on attracting new customers: Divide your total marketing expenses over a set period  (including wages, software, overhead, and any other costs) by the number of new customers you converted over that same period. Calculate your cost of customer acquisition for past years or quarters, then see if any patterns emerge. Many small businesses are shocked to learn how much they spend per customer, especially when their rates of customer acquisition are already too low for comfort. This shouldn’t be surprising, though. According to ProfitWell, the cost of customer acquisition has been steadily rising for both B2C and B2B companies, increasing by almost 50% over 5 years. The internet has powered a small business renaissance in our economy, but the rise of eCommerce

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Shopping cart abandonment can be a serious issue for small online businesses.

Shopping Cart Abandonment: 10 Ways to Retain Customers

In less than two decades, eCommerce has completely redefined the shopping experience. The emergence of online shopping as a dominant trend in 21st century commerce has made it a crucial piece of our global economy. One challenge that’s remained constant across the entire development of eCommerce? Shopping cart abandonment. The nature of eCommerce means that nothing stops online consumers from browsing your online store, initiating the purchase process by adding items to their shopping cart, and then inexplicably disappearing before completing with the transaction. You probably work hard to equip your online store with the best tools, eCommerce plugins, and intuitive features, so a stubbornly high abandonment rate can be frustrating. Worst of all, its effects are very real for small businesses; Annex Cloud reports that a 65% cart abandonment rate can create a 97.9% gap in conversions! Of course, the reasons for shopping cart abandonment aren’t inexplicable. It’s easy to identify them, but only if you know what to look for! If your online business has struggled with a high or rising abandonment rate, it can be tricky to know how to begin reducing it. In this guide we’ll walk through a number of core elements and topics around shopping cart abandonment. Use the navigation below to explore each concept, or jump right to our favorite solutions: Abandonment Reasons and Causes Trends in Shopping Cart Abandonment Top Shopping Cart Abandonment Solutions Our Favorite Abandonment Solution Ready to start understanding your store’s abandonment rate and learn some actionable ways to start reversing it today? Let’s dive in: Shopping Cart Abandonment: Reasons and Causes Users might spend an hour or more browsing your online store, filling up their shopping cart, and generally engaging with your business — and then they vanish. What happened? How can you pinpoint the issues or causes? Then, what can you do to address them? Unfortunately, some consumers who abandon their shopping carts on your online store do so simply because they were browsing and never actually intended to buy anything. This type of shopping cart abandonment generally has less to do with the performance of your site than with its content. Your calls-to-action, persuasive copy, and appealing product photos can definitely help improve your conversion rate, but low-to-medium rates of this type of abandonment is (at least partly) unavoidable. That’s just the nature of eCommerce; it’s incredibly easy to browse and explore without necessarily intending to make a purchase yet. Improving the quality of your marketing collateral and digital content is crucial, but don’t let it distract you from the more important shopping cart abandonment reasons and causes. A number of diverse factors all contribute to your abandonment rate. This data from Statista represents the most common reasons that digital shoppers abandoned their shopping carts during the previous two years: Note that both “Only Browsing” and “Only Researching” are two of the largest contributors to abandonment rate. Other reasons, including the ones listed above and others you might not have even considered yet, also play a huge role in the effects of shopping cart abandonment on your business. Let’s walk through a few reasons for shopping cart abandonment in more detail: Sticker Shock Sticker shock essentially encompasses two categories in the chart above: ‘Expensive Shipping’ and ‘Unaware of Shipping Costs’. The shock of seeing an unexpectedly high total price after selecting their chosen items and initiating the checkout process causes many users to abandon your store. Chances are that sticker shock is among the largest contributor to your abandonment rate, too. Even if you pride yourself on offering plenty of intuitive shipping options, it’s important to remember that online shopping is largely driven by impulse. Anything that makes us second-guess our purchase, including a surprising shipping cost, will slow down the process and ultimately increase the likelihood that we abandon the transaction. Poor User Experience UX plays a huge role in determining your online store’s rate of shopping cart abandonment. In the data above, user experience issues are particularly relevant to the categories ‘Long Process’ and ‘Bad Site Navigation’. If your store’s checkout process requires too many steps or if it’s simply difficult and confusing to navigate between catalog sections, you’ll lost potential customers. Again, this relates to the importance of speed to the eCommerce transaction process; slowing customers down in any way actively prevents more of them from successfully completing their purchases. When considered in terms of ease and speed of transaction, all kinds of other possible reasons for shopping cart abandonment emerge. Consider these other user experience-related contributing factors: Users don’t want to be forced to create an account. Requiring new customers to create an account in order to complete their transaction will actively drive them away. Think about it; all you really need from them to safely complete their order and follow up in the future is their email address, payment information, and shipping information. Creating an account is in many ways irrelevant to the process. Plus, offering a streamlined first interaction sets a much smoother tone for your continued relationship with that customer. Poor mobile performance is a major turn-off. If your website and store don’t work just as well on mobile browsers as they do on traditional desktop browsers, you’re losing customers. The Annex Cloud statistics mentioned above also report that mobile customers are the most likely to abandon their shopping carts with an abandonment rate of 85.65%. Poorly designed websites that don’t look great or simply don’t function on smaller browsers are a primary cause. Always ensure your store works well on smartphones before pushing new updates live! We’ll cover a few UX fixes that can help reduce your rate of shopping cart abandonment in the Solutions section below. Security Issues Today’s website-building platforms and payment processing services generally come with industry-standard data protection and security features, but you must actively make sure that your customers feel secure on your website. Even if you take care to stay on top of developments in the field, the perception of your site’s security has a major

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6 Ways to Market Your eCommerce Store

You have built the ecommerce store of your dreams, but merely hoping customers will appear out of the blue is a recipe for failure. To succeed, you need to maximise your coverage and exposure, but with so many avenues across the online world, how do you determine which ones will raise your store’s profile? 1. Invest in SEO It might be the elder statesman of the digital market, but SEO is still king. Invest smartly or heavily, depending on your budget and SEO expertise, to boost your rankings. Follow the SEO rules of fast-loading pages, mobile focus, good content relevance, keywords, search terms and tags to optimize your site for Google and other search engines. By building an SEO-friendly store, you enable any customer or business to find the right products and link directly to your product pages. Without that effort, you end up relying on narrower avenues to find customers, and your rivals with good SEO will simply outsell and reduce you to irrelevance. 2. Pay For High-Value Advertising While the tidal trends in advertising are changing fast, long term advertising remains a key way to promote your business. With market-relevant adverts, local or regional promotion and offers of value or interest, your store can capture a wide audience of relevant customers. Look for search adverts, PPC and social media avenues that align with your customers and focus on strategic advertising. Use AdWords or dedicating advertising engines that can provide the granularity and detail you need. Don’t throw money at adverts but plan every campaign and if your business lacks advertising experience, get experts to do the detailed work for you. Be nimble with your campaigns, and focus on seasonal or event-based sales to keep your products relevant to buyers – don’t just rely on a campaign that worked once to bring in customers forever. 3. Go Where the Markets Are If you want to spread your store efforts, Amazon and eBay aren’t the only outlets in town. Instagram Shopping has a store feature for visually appealing products, allowing easy purchase as people browse images of the fashions or products they are most interested in. It, along with Google Marketplace and Facebook Marketplace, are creating new ways to promote and sell, and bring your store to a new audience. Trial your diversifying store efforts to see what products work on which sites. Build on success and be prepared to build stories or pages around the products that fit the native sites better. Instagram in particular is best served with glamour shots to help sell custom or stylish products in a clear post design that looks less like typical stores, making it feel more like you’re browsing a luxury retailer than marching down the shelves of a market. For any business where shopping cart abandonment is an issue, trying a different tactic with the store front can produce great rewards. All while focusing on store speed, accurate information and enticements to get the customer buying. 4. The Reward of Reviews and Content If you sell custom, designer, bespoke or rare products, getting them reviewed on prominent sites will provide a major boost in store visitors and buyers. Find influencers within your market, or look for traditional sites that cover your product ranges. Be prepared to give away free samples, early looks at new products and prize giveaways to drive interest and get people talking about what’s in your store. If reviews aren’t appropriate or useful for your store, focus on getting your products mentioned in news, opinion pieces or articles and other web content to provide a stream of visitors. Check rivals to see how they handle outreach and coverage and don’t be afraid to mimic their successful tactics. You can also create your own content, such as user guides, productivity pieces, product tour videos and so on. Marketing your own content provides an additional way to spread the word about the store and provide product information outside the usual data or feature lists. 5. Build a Store App As your customers move to mobile devices, you need to be accessible to them. Apps can be developed in a bespoke manner if needed, or for a rapid solution, progressive web apps  (PWAs) replicate the web store in app form, with advanced features above the usual browser experience and an icon on the customer’s device home page just like any app. The app gives you further marketing push, a new feature to link to and puts you on the screens of more customers who are more likely to launch an app than they are find your store in an email or a bookmark link. Apps can feature coupons or loyalty points to help build stickiness, and faster checkout and better cart management features to speed up shopping. These can build up and be used in email messaging and other forms to encourage people to spend them and make repeat visits to the store. And, as the majority of people adopt a mobile-first digital life, your store will be there when they need you. 6. Remember the Details in Marketing Any feature your store offers needs to be promoted in your marketing, from the deals and bargains themselves to extras like free delivery and gift wrapping. While they might sound like features that everyone takes for granted, if a prospective customer doesn’t see them, they will more likely go for a store that mentions them loud and proud. Whatever the size of your business, focusing on one or all of these methods will help raise awareness of your store, boost sales and revenue. The focus and detail of each effort may be unique to your products, but used in concert with careful marketing strategy and planning, they will help you win against competitors.   Author Bio Izaak Crook is the Content Marketing Manager at AppInstitute, a SaaS App Builder platform that allows anyone to create their own iOS and Android app without writing a single line of code.

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Optimize Your Payment Processing Strategy: 5 Essential Tips

For businesses large and small, your payment processing strategy is one of the central elements of achieving profitability, longevity, and overall success. All too often, businesses struggle to meet their goals each month due to an ineffective payment processing system or an unclear understanding of how payment processing and consumer security should actually work. When these issues compound, that can spell disaster for your bottom line and dash all hopes of growing your business in the long term. Is your team curious to find out what it takes to optimize how you approach payment processing? Luckily, getting your payment processing strategy right isn’t as hard as it used to be. Check out some of these smart payment processing best practices your business should take advantage of: Get familiar with payment processing systems. Know the different methods of credit card fraud. Learn strategies to prevent fraudulent charges. Choose an effective payment processing system. Accept a variety of payment methods. Whether your business is a small, locally-owned pizza shop or a large, multinational corporation, getting your payment processing strategy in line should be your first priority. Ready to take control of how your business processes payments? Let’s jump into these effective tips! 1. Get familiar with payment processing systems. By far, the best way to improve how you manage your payment processing strategy is to get back to the basics. This means your team should sit down and review what kind of payment processing solutions are out there and how they can work for your needs. There are two main styles of payment processing systems. These are payment aggregators and dedicated payment processors. They differ in a few key ways: Payment aggregators are large businesses that handle the portfolios of many companies. They process transactions through a common interface, like an app, widget, or website. Companies like PayPal, Stripe, and Square are all aggregators, and they share communal merchant accounts with their clients to process payments. Dedicated payment processors are more closely configured to the needs of their individual clients. Instead of sharing a large merchant account between many different businesses, dedicated payment processors will allow your business to use its own merchant account to process transactions. If your business already has a payment processing system in place, which kind do you use? Are you happy with your experience thus far? Both forms of payment processors present benefits and drawbacks to businesses. Since payment aggregators manage a much larger number of portfolios, some businesses opt to partner with a dedicated payment processor to receive more tailored attention. However, this kind of attention comes at a cost. Dedicated payment processors typically require a larger investment on the part of a business and may not be the right choice for younger companies with tighter budgets. When it comes to payment aggregators, these services stand out by offering customers a more familiar, streamlined user experience. Consumers often encounter aggregators like PayPal, Stripe, or Square when making transactions at other businesses, so your team can tap into that familiarity to foster trust between your company and its customer base. Bonus! Think a payment aggregator might be the right choice for your business, but you’re not sure if PayPal is the best option out there? Check out Double the Donation’s PayPal alternatives breakdown for a look at some strong competitors you might not know about yet. 2. Know the different methods of credit card fraud. Choosing the right payment processor for your business is highly dependent upon understanding the security needs of your company. The bottom line? You’ll need to choose a trustworthy partner that offers a variety of fraud protection features. However, depending on your business model, certain fraud risks will be more prevalent than others. Let’s go over some of the most common payment fraud schemes and how they can affect your business: Identity theft. This is the most common kind of payment fraud and encompasses most other fraud schemes. Your payment processor should have measures in place to detect identity theft as well as prevent the identities of your customers from being stolen. Credit card tumbling. With credit card tumbling, identity thieves randomly generate credit card numbers and use online transaction forms to test out the numbers. Your business could be at risk if random users attempt dozens or hundreds of small transactions. Refund fraud. In these schemes, fraudsters generally take a stolen credit card and make a purchase through a business like yours. Then, they’ll cancel the payment by making a call to their victim’s bank posing as them. They’ll collect the refund from their victim’s account, and your business could be hit with fees. If your business wants to be seen as trustworthy by your clientele, you should take these core fraud schemes seriously. When your payment processing strategy is security-focused, you’ll be able to build long-lasting, dependable relationships with patrons. 3. Learn strategies to prevent fraudulent charges. Now that we’ve reviewed the top payment fraud schemes, it’s important to take a closer look at the different ways payment processors address these issues for their clients. You’ll want to choose a payment processor that offers a variety of fraud-prevention and protection measures without having to pay extra for must-have features. Consider some of these common fraud prevention solutions your team should look for in your payment processing partner: Two factor authentication. This method allows your customers to verify their identities before completing a transaction by responding to a special email or SMS message. BIN/IP address verification. Using this strategy, your payment processor will automatically cross-reference the IP address of customers with the address tied to their credit card. Card verification codes. For online payments, requiring users input their three-digit credit card verification code (CVV) can block certain identity theft schemes. Minimum transaction limits. These can come in handy in preventing credit card tumbling from occuring on your company’s website. EMV chips. For on site payment processing, EMV chip readers can give customers peace of mind that their financial information is safe

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Our top picks for the best WordPress security plugins for your site.

Best WordPress Security Plugins for Your Site: 7 Solutions

Every day there’s news of another major data breach or hacking attack. While these developments can be frightening for businesses and consumers, the world of cybersecurity is one of the fastest to adapt and develop new solutions in the entire digital space. As one of the largest and most popular website building platforms, WordPress is used by all kinds of businesses and individuals to create perfectly customized pages. One of the greatest benefits of using WordPress, too, is access to an extensive plugin development and sharing community. It takes a lot more than just a password (which are proving less and less effective!) to protect a website these days. Thankfully, it’s easy to find and install a huge range of security plugins that offer effective tools for every level of your WordPress site. The WordPress plugin community constantly innovates new security solutions that protect both site admins and web visitors! Designed to address practically any digital need you might encounter, it’s easy to find the perfect plugin to solve your problem and improve your site, from blogging tools to eCommerce platforms. If you’ve ever worried about the security of your WordPress site and wished you could boost your defenses, you’ve got plenty of options! To help cut through the clutter, we’ve selected 7 of our top picks for the best security plugins for your WordPress site: Swoop: Password Free Authentication Defender Security Security Ninja Look-See Security Scanner Shieldfy SecuPress Hide My WP For each pick we’ll walk through some top features and pricing points to help you identify the best choice to address your security needs. Let’s get started! 1. Swoop — Best WordPress Security Plugin for User Login As a new security solution that harnesses new digital processes while calling back to some of the internet’s most reliable techniques, Swoop is a perfect way to add an extra thick layer of security to your WordPress site. This is because Swoop completely eliminates the need for your users to create and use passwords. It might be surprising to learn that a reliance on passwords can create huge security risks. When entry to your website is granted by simply entering the correct password that matches a username,  this authentication technique is dangerously simplistic in the age of major data breaches. Instead of relying on discrete (and therefore more easily hackable) passwords, Swoop lets your WordPress site tap into a multi-layered, passwordless login system. The layers of this process serve several functions at once: Protecting your users’ data by eliminating the need for passwords altogether and automating the login process with complex key codes. Protecting you as a site admin since only authorized users with personal email addresses (not bots!) will be granted access to interact with your site. Boosting user experience by creating a quicker, safer login and eliminating the risk that a user’s password might be stolen or abused. Here’s how it works: A user logging into your WordPress site simply clicks the Swoop login button. Swoop then generates an email with a special key code that the user sends. This initiates the authentication process. The email is pinged through several layers of security algorithms to validate that the email is associated with the correct account on your site, then the user is granted access. Top Features of this WordPress Security Plugin Designed to improve user safety on all kinds of websites, break the internet’s dependence on Big Data, and streamline the login process for small online businesses, Swoop is a strong security choice for your WordPress site. Plus, it’ll improve user experience by providing a faster alternative login process! Here are some of the plugin’s top features: Eliminates outdated username/password login structure (and your need to spend resources safeguarding that data) Includes layers of advanced anti-spam encryption including DKIM and SPF algorithms to generate and authenticate completely unique login keys Built on one of the earliest and most reliable digital techniques, the mailto link, that won’t require any major overhauls or updates Reduces need to fine-tune login integrations or rely on social media login tools that many users distrust Offers a fast, safe, 2-click login experience for your site’s users Swoop offers a complete reimagining of traditional internet security by combining old techniques with new technologies, bypassing the login systems that prove time and again to be less than effective. The Swoop WordPress plugin is an easy way to offer your site’s users a safer alternative without forcing them to create new accounts, share their data with large companies, or waste time remembering yet another password! Pricing of this Security Plugin 2. Defender Security — Best WordPress Security Plugin for General Tools The Defender Security, Monitoring, and Hack Protection WordPress plugin provides an excellent suite of general security tools for your website. As one of the easiest to use and most comprehensive plugins available, Defender Security is a great choice for businesses or individuals that want a few extra layers of security for their WordPress site but don’t have the time or technical know-how to fine-tune a custom solution. Called ‘hardening’ techniques, the tools offered in the Defender Security plugin can defend your site from the inside out, plus they’ll help you run automatic scans to detect new vulnerabilities and areas for improvement. Top Features of this WordPress Security Plugin The suite of features included in the Defender Security plugin can cover most, if not all, of your bases to boost your site’s internal security: WordPress core file scanning to identify suspicious code Login screen masking, throwing off hackers and bots Manual IP blacklist manager to create timed and permanent lockouts 404 limiter to detect bots searching for vulnerabilities in your site Additionally, Defender Security includes a number of other advanced and login features that can improve the overall safety of your WordPress site. By focusing equally on both providing you with the tools to manually defend your website and automating that defense, this plugin provides strong all-around protection. Pricing of this Security Plugin The basic Defender Security plugin is free to download

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Learn about the best WordPress eCommerce plugins for your website.

5 WordPress eCommerce Plugins | Tools to Boost Online Sales

If you’ve established an online store or are looking to build one, you’re probably aware of the unique challenges associated with running an eCommerce site. Everything from accepting payments to creating an easy check-out process to displaying your merchandise in a visually appealing way needs to be done just right in order to create a successful online shop. After all, driving customers to your online store is about more than just having amazing merchandise. Customers are expecting your online store to have a user-friendly shopping experience and great customer service, or else they won’t return. Luckily, there are several tools you can use to improve the overall experience of your eCommerce site. If you’re currently using WordPress for your online store, keep reading as we list 5 tools that can help you amp up your online sales. We’ll review the following WordPress eCommerce plugins:  Swoop for WordPress Customer Login Ecwid for WordPress Shopping Carts Divvit for eCommerce Analytics Cataloggi for eCommerce Inventory OptiMonk for Onsite Retargetting With these tools, you can improve your sales and create a visually appealing online store. Before we get started, check out Swoop’s comprehensive list of free WordPress plugins for every type of online business! Now, let’s dive into our first recommended plugin. 1. Swoop — WordPress eCommerce Plugin for Customer Login Overview of WordPress Plugin Swoop is a WordPress eCommerce plugin that makes it easy for your customers to create and log into their accounts by eliminating the need for a password. At Swoop, we believe that passwords are obsolete. Passwords are not only frustrating to create and manage but also extremely insecure. Think about it: we’ve all disregarded password security best practices in favor of easier credentials like “password123” just to get the account creation process over with. Simple passwords are much easier to crack and are likely already compromised. With Swoop, your customers don’t have to compromise their account security in order to have an easy login process. All you need to log in with our WordPress plugin is an email address. Here’s how the process works: Customers will click the instant login button, which will direct them to a pre-written email addressed from their primary email account. Once, your customers hit send, Swoop will run 4 layers of security checks to verify that the message came from the customer and not a hacker. After the verification process (which takes just seconds to complete), your customers will be logged into their accounts. It’s that easy, and the same process is used by first-time customers as well! Why This WordPress eCommerce Plugin Made Our List For online stores, making it easy for customers to purchase items can drastically reduce shopping cart abandonment rates. Encouraging users to create an account means that all their payment and shipping information will already be on file the next time they make a purchase, saving the user valuable time. Swoop is a login plugin that can be used by anyone with an email address, and our tool only takes three steps to complete. WordPress Plugin Pricing 2. Ecwid — WordPress eCommerce Plugin for Online Shopping Carts Overview of WordPress Plugin Ecwid is a powerful shopping cart WordPress plugin that’s easy to use. Once you’ve installed Ecwid, you’ll be able to sell your products all over the world with their 40+ international payment options and translations in 45 languages. What’s more, Ecwid integrates with major carriers like USPS, UPS, FedEx, and many more so you can automatically calculate shipping costs. When customers finalize their purchase, this eCommerce plugin will also calculate the tax rate. In addition to selling products on your WordPress website, you’ll also be able to add your online store to your Facebook page and use Ecwid’s mobile application to accept payments in-person. Other features you’ll have access to include: Unlimited storage and automatic backups. PCI-compliant payment processing. Mobile-friendly design. If you ever run into any problems, their support team is available 24 hours from Monday-Friday. Why This WordPress eCommerce Plugin Made Our List Ecwid made our list of top eCommerce plugins because their tool is easy to use and comes with custom options to make your online store look stunning. Plus, you can set up your shop in minutes! Once the plugin is installed, Ecwid blends in with your existing theme to match the branding of your website. WordPress Plugin Pricing You can get started with Ecwid for free! If you’re looking for more robust features, packages start at $15 per month. 3. Divvit — WordPress eCommerce Plugin for Analytics Overview of WordPress Plugin Divvit is an eCommerce analytics plugin that offers insights into your customers’ shopping behaviors and your website’s traffic. In addition to tracking information, Divvit uses the data gathered to make suggestions on how to improve the success of your online store. With Divvit, you can compare the monthly number of orders and website traffic with the amount spent on marketing to determine your ROI. This WordPress eCommerce plugin also lets you track even more metrics, like: Unique order view, which tracks how many visits it takes before a customer makes a purchase. Live orders, which will show you the number of orders placed in real-time. The metrics tree, which shows you how many customers dropped off at each stage of the sales funnel. You’ll be able to customize what metrics you want to see in your Divvit dashboard, so you can focus on the data that matters most to you. Why This WordPress eCommerce Plugin Made Our List Divvit is unique from other analytics plugins because it focuses just on eCommerce. With more targeted insights into the progress of your online store, you’ll be able to make informed decisions about when to restock inventory, what items are most profitable, and which landing pages are most effective. The smart tools available with Divvit provide more than data; they also provide recommendations to help improve your online store’s overall performance.  WordPress Plugin Pricing Divvit has both a free and paid version. With the free version, you’ll only be able

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Learn more about the top single sign-on solutions for organizations and nonprofits.

Top 8 Single Sign-On Solutions for Companies and Nonprofits

Whether you operate a business or nonprofit organization, it’s likely that your staff manages several accounts. From your HR portal to your user (or donor) database, your employees have multiple accounts they need to access on a daily basis. While these accounts are essential to your work, they can present several challenges. First logging into every account takes away valuable work time. More importantly, when employees have too many accounts to manage, they often fall back on poor password habits, which can drastically decrease the security of your accounts.  As a result of these concerns, many organizations are turning to single sign-on solutions to make the login process easy and secure. We’ve talked about single sign-on (SSO) authentication in more depth before, but essentially it allows users to sign in once and have access to all their accounts. With a single password to worry about, your staff can create strong credentials for all their accounts without fearing that they’ll forget it later. So let’s talk more about the best single sign-on solutions: Swoop EmpowerID Apps Associates Bitium AuthAnvil by Kaseya Imprivata Avatier ILANTUS Let’s jump into the first single sign-on solution! 1. Swoop Single Sign-On Solution Overview Swoop offers several easy login products for nonprofits and businesses, including our two-click donate, buy, signup, and login buttons. Any account that uses our security technology allows users to sign in with an email account.  Here’s how the process works: Users click the login button, which triggers a mailto link. Users will be directed to a pre-written email with details on their login request and instructions on their next steps. When users hit “send,” our system runs the message through three levels of security checks to determine if the request came from the user. If the requests pass our security checks, users will be able to access their account. The entire process only takes a couple of seconds and only requires two clicks from the user. Why Swoop Made Our List of Top Single Sign-On Solutions Our technology takes the single sign-on approach differently, by eliminating the need for a password entirely. The truth is password authentication is obsolete. Passwords don’t do a great job verifying our identities because anyone with the password is approved. And since passwords can be easily cracked with the help of software, keeping our password secret is harder than ever. Plus, the same level of security checks is implemented throughout all of our products — whether you’re using the sign in, log in, donate, or buy button. Single Sign-On Solution Pricing Organizations and businesses can start using Swoop’s login technology for free. 2. EmpowerID Single Sign-On Solution Overview EmpowerID is an identity management solution that offers a single sign-on dashboard. With this dashboard, companies are able to assign employees one account. When a user signs in, they’ll have access to all of the applications no matter what device they’re using.  With an EmpowerID account, users are able to: Claim accounts Register new accounts with a click-to-authenticate process Update credentials and so much more EmpowerID’s tools can be used on any platform that uses a variety of authentication methods. Why EmpowerID Made Our List of Top Single Sign-On Solutions EmpowerID offers a password vaulting feature, which provides users with a secure way to login to accounts that don’t support their single sign-on protocol. EmpowerID will store the passwords in their protected system and automatically populate the username and password when you land on the login page. EmpowerID also offers a host of other identity management products like role management and optimization, password management, and user provisioning to companies in the healthcare, banking and finance, and nonprofit industries.  Single Sign-On Solution Pricing For more information on EmpowerID pricing request a demo on their website. 3. Apps Associates Single Sign-On Solution Overview Founded in 2002, Apps Associates is a technology services company that provides cloud, analytics, and integration solutions for businesses currently using Oracle E-Business Suite. The team at Apps Associates works to streamline a business’ processes, and one of the ways they achieve this is through their single sign-on solution. Apps Associates understands that the burden of account and password management often falls on a business’ IT department, so they have created a solution that allows employees to enter one username and password to access all of their accounts.  Why Apps Associates Made Our List of Top Single Sign-On Solutions Apps Associates ensures that once you’ve implemented their single sign-on solutions, the software will help you: Make accessing applications simple and convenient. Reduce the need for password resets. Increase your account security. This tech company is also certified in Oracle cloud applications and has a deep understanding of Salesforce and NetSuite, so you can rest assured knowing your custom integrations will work smoothly and securely! Single Sign-On Solution Pricing Visit the Apps Associates website to request a quote on their single sign-on solution pricing. 4. Bitium Single Sign-On Solution Overview Bitium is a technology company that helps businesses connect their cloud-based applications so that a business’ tools can all work together to simplify processes. One way they help businesses succeed is through their single sign-on solution that allows businesses to federate employee identity across all cloud- and web-based platforms.  Once a user logs into Bitium’s dashboard they have access to all the accounts they need no matter what device they’re using. Why Bitium Made Our List of Top Single Sign-On Solutions Bitium has a catalog of over a thousand applications that users can connect through their single sign-on dashboard. With such a wide range of platforms, such as Dropbox, Google Apps, Salesforce, and more, users are able to connect all the accounts they need into one easy login.  Single Sign-On Solution Pricing Small businesses can start using their single sign-on system for $3 per user per month. If businesses want access to Bitium’s other security tools like application and credential management the price ranges from $5-$8 per user per month. 5. AuthAnvil by Kaseya Single Sign-On Solution Overview Kaseya

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Find out our top fraternity dues collection services.

Top 8 Fraternity Dues Collection Services for Your Chapter

Finding the right fraternity dues collection app can sometimes seem like an uphill battle. After all, it can be really tough to keep track of all of your chapter’s members at once, let alone manage their payments, monitor your budget, and maintain accurate tax records. Lucky for you, we’ve compiled a list of our favorite fraternity dues collection services that will help take your fraternity’s chapter to the next level. Our top picks include: OmegaFi Salsa Billhighway YourMembership GreekTrack Fraternity Management OrgSync Venmo Ready to take back control of your fraternity’s financials? Let’s dive into these awesome dues collection solutions to get started! 1. OmegaFi Fraternity Dues Collection Service Overview OmegaFi is our top choice when it comes to fraternity dues collection software. Not only does this platform give your team the freedom to collect and manage dues payments, but their comprehensive fraternity management software helps your chapter increase efficiency from the top down. With OmegaFi, your fraternity can: Manage dues payments. Whether it’s collecting dues, reminding members about payments, or seeing how payments fit into your overall budget, their tools make it easy to stay on top of your expenses. Pay bills. Your chapter collects dues to keep your lights on, support your philanthropy, and grow your organization. With OmegaFi, you have easy access to your funds for bill paying and sending out 1099s. Why Omegafi Made Our List of Top Fraternity Payment Systems One of the features that makes OmegaFi stand out from the crowd is how easy they make it to take the income you earn from dues payments and put it into action to pay for your fraternity’s expenses. On this platform, officers can easily purchase prepaid Visa cards to cover costs associated with your chapter. Because they’re prepaid and easily tracked, your team can reduce your risk for fraud and better manage where your money is being spent. Fraternity Dues Collection System Pricing For more information on OmegaFi’s fraternity management software pricing, visit their website. Learn more about OmegaFi! 2. Salsa Fraternity Dues Collection Service Overview Salsa is another great fraternity management system that makes staying on top of your chapter a breeze. With this platform, your team will have access to all sorts of fraternity management tools from member profiles, to communications solutions, to payment processing, and more. Using Salsa, your fraternity can: Learn more about your members. Salsa allows users to keep member profiles that help you get to know your chapter members better than ever before. Keep notes on their major, interests, time at your school, and more. Automate dues payment reminders. One of the hardest things about managing a fraternity is reminding your members when their dues need to be paid. With Salsa, your team can automate the process for maximum ease. Why Salsa Made Our List of Top Fraternity Payment Systems One way that Salsa differentiates itself from other fraternity dues payment systems is its emphasis on keeping all of your fraternity’s software under one ecosystem. Since Salsa offers solutions for everything from constituent management to peer-to-peer fundraising, there’s nothing stopping your chapter from reaching its most ambitious goals yet. Fraternity Dues Collection System Pricing For more information on Salsa’s fraternity management software pricing, visit their website. Learn more about Salsa! 3. Billhighway Fraternity Dues Collection Service Overview Billhighway is a scalable fraternity management service that takes a unique approach to managing each of their partners’ needs. When fraternity partners with Billhighway, they prioritize increasing efficiency in payments, accounting, and membership management. Billhighway’s services include: Fraternity payment processing. Chapter invoicing. Accounting services. Financial automation. Why Billhighway Made Our List of Top Fraternity Payment Systems Billhighway doesn’t just focus on processing member payments. Instead, they actually diagnose and address financial challenges for fraternities at the local and national level. Billhighway takes financial risk aversion seriously, meaning that when fraternities partner with them, they set themselves up for success for years to come. Fraternity Dues Collection System Pricing For more information on Billhighway’s fraternity management software pricing, visit their website. Learn more about Billhighway! 4. YourMembership Fraternity Dues Collection Service Overview YourMembership is a wide-ranging associations membership solution that addresses the needs of fraternities just like yours. With YourMembership’s online payment processing tools, your chapter can easily manage membership dues, automate membership renewals, and more. YourMembership offers some unique fraternity payment management solutions, including: User-friendly recurring payments setup. Never risk members forgetting to pay their dues again! With this solution, individuals can easily opt into recurring payments to your fraternity’s chapter. Ecommerce. Supplement your chapter’s funding by opening up an online store in which supporters can purchase t-shirts and other merchandise. With this extra income, you can keep dues low, too. Exportable tax data. YourMembership keeps clean, exportable accounting data that integrates with common tax software like QuickBooks and Great Plains, so you never have to worry about an audit. Why YourMembership Made Our List of Top Fraternity Payment Systems YourMembership is a great solution for fraternities looking to support an extra arm of income to supplement your funding. Whether you accept donations, sell merchandise or both, this service makes it easy for your chapter to reach its financial goals. Fraternity Dues Collection System Pricing For more information on YourMembership’s fraternity management software pricing, visit their website. Learn more about YourMembership! 5. GreekTrack Fraternity Dues Collection Service Overview GreekTrack is a fraternity membership management software that offers solutions for both local chapters and national headquarters. Whether your team is looking to collect dues, process payments, or manage your financials, GreekTrack has a number of integrated solutions to meet your needs. GreekTrack’s platform offers: PayPal dues collection. Payment tracking. Communications tools. Event management software. Why GreekTrack Made Our List of Top Fraternity Payment Systems GreekTrack stands out because it offers fraternities different points of access to their system depending on an officer’s standing at your chapter. The interface appears differently to your membership chair, treasurer, or philanthropy chair, so officers only have access to the information they need. Fraternity Dues Collection System Pricing For

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What is SSO authentication (single sign on), and how does it work?

Single Sign-On (SSO) Authentication: What Is It and Why Should You Care?

Single sign-on authentication (or SSO authentication) has overthrown the traditional login process and completely changed the way people use the web. Not sure what SSO authentication is? Not sure why should you care? If you want users on your websites, interacting with your app, or signing up as customers, you can’t afford to stay in the dark any longer and jeopardize your potential success. Running websites, developing apps, or creating an online business requires user authentication. Simply put, you have to know who’s using your site. Authentication is how you identify and track users, which is essential for both logistical and security reasons. The only problem? Authenticating your site’s users means forcing them to log in with their email and a password which is one of the worst experiences known to man. Forcing users to remember a password is like a dentist’s visit, tax season, and a flat tire all rolled into one. At Swoop, it’s no secret that we hate passwords with a passion as hot as the surface of the sun. Ok, maybe we’re being a little dramatic, but we care a lot about this topic. We created an ultra-secure passwordless login tool because we believe the internet has outgrown them. Passwords slow us down, are much more vulnerable than most people think, and provide a terrible experience that users despise. That’s also why we love SSO authentication. It reduces our reliance on passwords, makes the internet more secure, and simplifies an inconvenient, time-consuming process. Maybe you’re a developer, online entrepreneur, or just curious about SSO authentication. You’ve probably got some questions, so let’s get to the answers. We’ll walk through these core topics: What is SSO authentication? How does it work? Is it secure? What are the types of SSO authentication? Use the links above to jump ahead, or follow along from the top. So what is SSO authentication? SSO authentication allows users to log in once to access multiple applications, services, and accounts, even across different domains. One example of SSO authentication that you probably use every day would be Google’s suite of online applications. Log into one and you’ve logged into all of them. Pretty easy right? No need to re-enter your password every time you bounce between your Gmail inbox and Google Drive, for instance. This offers major benefits for both users and website administrators. First of all, SSO eliminates the need to manually log into each separate application. This is a massive improvement to the user experience and encourages users to stay engaged with your website or apps. In addition to reducing the need for multiple login steps, SSO authentication also means: Improved internal security for your site. With a centralized SSO system, it’s a lot easier to monitor user accounts across multiple applications. Plus, since new users only need to create one password, it reduces the number of passwords you’re responsible for protecting. Increased collaboration and efficiency. Large companies, universities, and government offices develop their own SSO solutions for this reason. For a more common example, think of how it easy it is to share Google Docs and spreadsheets with your Gmail contacts. How does SSO authentication work? Here’s the SSO process boiled down to four steps: The user arrives on the website or app they want to use. The site sends the user to a central SSO login tool, and the user enters their credentials. The SSO domain authenticates the credentials, validates the user, and generates a token. The user is sent back to the original site, and the embedded token acts as proof that they’ve been authenticated. This grants them access to associated apps and sites that share the central SSO domain. Here’s another, slightly more complex, way you might visualize this process: I know this graphic looks a bit complicated but stay with me here! Each step in the process is represented by a numbered line above and corresponds to the step below. The user visits the target domain. They’re redirected to the SSO domain. The user signs in with their credentials and the SSO domain finds a match. The SSO tool requests an encrypted token from the authentication server. The user is redirected back to the target domain. The encrypted proves that they’ve been authenticated. The user can now freely access associated domains, too. Token-based authentication is another important login concept (learn more here). SSO systems essentially rely on these tokens to “remember” that a user has already been allowed access to all of the apps associated with that central SSO hub. Not too bad right? And with Swoop’s ground-breaking tech, it’s even easier than ever to get started with SSO authentication. Learn more about Swoop here. Is SSO authentication secure? The short answer is yes — SSO systems are very secure when implemented properly and used alongside other modern cybersecurity tools. Here’s the longer answer. SSO authentication systems can boost the overall security of the internet for two main reasons: They reduce the number of weak passwords that people create and use all over the internet. They create more centralized systems that are easier for administrators to manage and protect. However, there’s also some risk in centralizing multiple processes into a single system. If a hacker were to get into that central system or steal a user’s password, they’d have access to all of the apps and tools connected to that SSO system. Thankfully, it’s easy to add extra security tools to an SSO login system. The best option? Two-factor login from Swoop. The main idea of two-factor login is to double-check your identity before granting access. You might worry that adding a step will decrease the quality of the user experience, but remember that the SSO process is already extremely efficient for users. The best part about implementing a two-factor login element to your SSO system, though, is that it doesn’t seriously affect the user’s experience. Two-factor login is quickly becoming the norm, and most users don’t mind completing a two-factor process once if it

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Learn about 6 ways you can prevent information from a password breach.

6 Vital Steps to Protect Information From a Password Breach

No organization—for-profit or nonprofit—wants to experience a password breach. Unfortunately, it does happen and in recent years unauthorized access to companies’ databases has grown into a serious concern. Over 1,000 data breaches occurred in 2016 alone, affecting millions of people. If our current security measures don’t get any better, many more organizations will face similar circumstances. One way organizations can better prepare for and prevent password breaches is by implementing a plan of action to ensure that information is protected. Here are six steps you can use to protect your information:  Create strong passwords. Use two-factor authentication and password alternatives. Delete old or inactive accounts. Make sure all your software is up-to-date Stay in the know about recent password breaches. Notify users and provide them with ways to protect their information. Keep reading as we provide vital tips to secure your information after a password breach. For a more in-depth look at password security, check out our comprehensive guide! Password Breach Step #1: Create Strong Passwords Why Creating Strong Passwords Protects Against Password Breaches The first step your organization should take if you suspect a data breach is to change your passwords. In a recent study, it was revealed that 63% of confirmed data breaches involved unauthorized users taking advantage of weak or compromised passwords. But just changing your passwords isn’t enough. Without enforcing security guidelines, your users are likely to create similar weak passwords that could leave your business susceptible to another attack.  Even organizations that stick to high password standards might be using outdated best practices. How to Create Better Passwords The National Institute of Standards and Technology (NIST) recently published updates to their digital identity guidelines that advised companies to: Avoid periodic password changes. Studies have shown that frequent password changes actually lead to weaker credentials. Users are more likely to create short, easy-to-guess passwords because they’re forced to create and remember a new password every couple of months. Screen new passwords against lists of commonly used passwords. Companies just have to look at the most used passwords to see that users are still settling for convenience over security. To make things even worse many of these passwords have been compromised in previous breaches. Screening these passwords means that you can avoid using very weak passwords. Remove arbitrary password complexity requirements. Asking users to include at least one uppercase letter, number, and symbol results in passwords like “Fido123!” and “Jessica1234%” which are very predictable and easy to crack. Here are a few more do’s and don’ts your organization should follow: Organizations need to drop these dated password guidelines and focus on what makes an account truly secure. Passwords don’t necessarily need to be complex to be strong, but they should have at least 8 characters (the longer, the better) and be randomly generated with no dictionary words.    Password Breach Step #2: Use Two-Factor Authentication and Password Alternatives Why Two Factor Authentication Protects Against Password Breaches Let’s face it: passwords aren’t very secure. Users need to understand how password security works to truly create a secure account. Plus, evolving technology makes it possible to crack even complex credentials. Still not convinced? Check out this guide on why passwords won’t protect your website. Implementing a second layer of security is a must for any organization that wants to protect itself from a password breach. Two-factor authentication and passwordless login systems help to verify that users are who they say they are, making it difficult for unauthorized users to gain entry. How to Use Other Authentication Methods Essentially, two-factor authentication still requires accounts to have a username and password. When users enter their credentials., they’ll be asked to enter a unique code that’s usually sent via mobile phone. You’ve probably used two-factor authentication before as it’s becoming a popular security feature. If your company’s email and software accounts offer two-factor authentication, enable it. While it does take an extra step, cybercriminals will have a much harder time accessing your account. Even if your password becomes compromised, the hacker will still need your cell phone to complete the login process. Passwordless login is very similar to two-factor authentication, but the process is more convenient because it takes out the extra step. There are two popular types of password alternatives: Email authentication, which uses the person’s primary email account to verify their identity. Biometrics, which uses the person’s biology—fingerprint, iris, face—to grant access to an account. For more detailed information on these options, Swoop has an in-depth look at even more password alternatives. Depending on the type of method you choose, passwordless systems can be easy and inexpensive to implement. Don’t just incorporate these additional layers of security internally; make two-factor authentication and passwordless login available to your patrons and donors as well. Password Breach Step #3: Delete Old or Inactive Accounts Why Deleting Old Accounts Protects Against Password Breaches Old and inactive accounts are just as likely to be compromised as active accounts. Let’s say you have an old email account. It’s likely to have personal information like emails to your accounts when you requested a password change and possibly a few unprotected credentials. Yes, it might be shocking to learn that 1 of 7 company users share their passwords with other users and these credentials are often shared via email.  Moreover, older accounts tend to have weaker passwords because users were most likely following outdated guidelines or none at all. How to Clear Out Old and Inactive Accounts Your organization should conduct regular checks to remove any unused accounts and get your employees in the habit of deleting messages that link to other accounts. For instance, remove any password reset emails and messages that have account credentials (which should never be sent via email!). Your organization should also remove accounts when: You switch software providers or stop using a specific tool. An employee leaves the businesses. An account has been inactive for more than 6 months. Unfortunately, manually visiting each site is the only way to cancel an account. If

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Discover 6 shocking reasons why passwords won't protect your website.

6 Shocking Reasons Why Passwords Won’t Protect Your Website

In the last few years, companies like Yahoo, Target, and more recently Equifax have become victims of large data breaches affecting millions of people. No matter what type of organization you are—corporation or nonprofit—protecting your users is paramount. A secure, protected website not only decreases the likelihood of sensitive information getting into the wrong hands but also establishes trust with your patrons or donors. They’ll feel more comfortable using your website and storing their information on your site. Organizations can use several ways to keep their information secure, but among the most popular method is through passwords. Passwords protect more than just the users’ access to their individual accounts; they’re also used internally to restrict access to sensitive information. However, many experts have revealed that passwords aren’t the most secure tools to protect your website. Here’s why: Frequently changing passwords can lead to weaker website protection. The average website password is too similar. Generating a random password is difficult. Password managers can provide a false sense of security. Cybercriminals know all the password protection rules. Password protection for websites is placed on the user. We’ll dive deeper into each of these six concerns as well as provide solutions that can help strengthen your website’s security. Let’s get started! 1. Frequently Changing Passwords Can Lead to Weaker Website Protection One of the primary password security rules that organizations follow is requiring employees to change their passwords on a regular basis. How frequently employees should change their passwords is up for debate, but, generally, it’s required every couple of months. The logic behind changing your password regularly is to make it more difficult for cybercriminals to access your employees’ accounts. If a hacker uses software to run through every possible password option (which could take months), the process becomes ineffective if the password is constantly changing. Moreover, if a hacker does gain access to an employee’s account, it would only be temporary as the password would change. The reality is that making frequent password changes can actually weaken your website’s protection. Think about it this way: coming up with a strong password is difficult not to mention hard to remember. Asking employees to create a new, secure password every month can lead to the opposite effect. In order to save time and create a password that’s convenient to remember, employees will opt for something simple.  Accounts with simple password protection are easier to crack, therefore negating the benefits of regularly changing your password. Alternatively, your organization should require employees to create one strong password that they can keep for the entire year. If you want to learn more ways to improve your login process, check out Swoop’s list of modern ways to update the password and username login process. The bottom line: Frequently changing passwords can lead to weaker accounts which will take hackers less time to crack.   2. The Average Website Password Is Too Similar Nowadays, people have to juggle multiple passwords at their job and in their personal lives. With so many accounts to juggle, it’s a challenge to remember every password. As such, many people have defaulted to using similar passwords for all their accounts and you can bet your employees are doing the same. In fact, 54% of people use no more than 5 passwords across all their online accounts.  What’s more is that many people aren’t using strong passwords either. In a recent study, the five most used passwords were: 123456 123456789 qwerty 2345678 111111 When your website is protected not only by very similar passwords but also weak ones, your information has a higher risk of getting into the wrong hands. If users create similar passwords for your organization’s accounts and databases, it will make it easier for hackers to access even more information, in a process known as the domino effect. By cracking one password, they’ll have access to multiple accounts, putting more of your information at risk. Of course, you can enforce password security best practices to ensure that your employees create stronger passwords but many of the tools used to test the strength of a password aren’t effective. For instance, running “Angela123456!” through some of the most reputable password checkers rates this as a strong password. It uses a combination of lowercase and uppercase words, numbers, and symbols. Plus, the password is 12 characters long. However, this password is still weak for many reasons. The password: Starts with a name. Names and other dictionary terms are easy to crack using software. Also, users should never create a password with their personal information as this data can easily be found online and will be the first thing cybercriminals check. Uses an easy-to-guess series of numbers. The name is followed by the numbers 1-6 in sequential order, another factor that makes this password easy to guess as “123456” is the most common password used in online accounts. Ends with a common symbol. Starting with a word, capitalizing the first letter, and ending the password with a symbol is a common formula that cybercriminals will look for when hacking accounts. As you can see, password checkers can be unreliable when it comes to creating a secure password, so it might not be the most effective way to enforce employees to create unique, strong passwords. The bottom line: Since employees have to juggle multiple accounts, they often use similar passwords to make them easier to remember. However, this makes it easier for hackers to access your information. 3. Generating a Random Password Is Difficult Now that we’ve revealed some of the most common weaknesses of password creation, you’re probably wondering what your organization can do to create stronger passwords. An ideal password should avoid any dictionary words and patterns. The most secure passwords are generated by random with no personal connection to the user (names, birthday’s, etc.). These passwords are the hardest to crack because they make no logical sense, aside from guessing every character combination, which could take multiple years with a computer program, there is no easy way to guess

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