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Sence of security secures sales
Sometimes, people ask me about security or liability issues
online. I do teach some of the realities in my college courses, but I'm
far from being an expert in this field and I always recommend checking
with a competent, legal professional in every case. But here are some
of my thoughts ...
How We Benefit From Our Clients' Security
Once, a client asked me, "Why should I spend time and effort on
making the transactions to my website secure?" He continued, "It's
not that I don't care for my customers safety when we talk about their
credit cards, but what benefit do I get from protecting them? What do
I avoid if I secure them? Is there any type of law against insecure sites?
Can my customers sue me if I don't secure my website?" I think it's
a good question.
Security is virtually a non-issue these days on the web -- I teach ebusiness
at a local college and mentioned to my students that, in the second edition
of one of our textbooks, a whole chapter on security has been reduced
to a mere page. That's how much the issue of security has changed.
However, keep in mind that it's really all about perception. There
is still a percentage of people who fear buying on the web. While shrinking,
the fear will still be around for a while -- especially due to the fact
that more and more people are connecting to the web and their knowledge
is fairly limited (specifically their knowledge about online security).
The more you cater to their perception (or better yet, their insecurity),
the more sales you'll make. Needless to say, there's also the issue of
the business side of things. On the web, there are many new businesses
-- just as much as new netizens. And many of these are scams and frauds
-- so comes the question of credibility from the consumer's perspective.
As a matter of fact, there was a case lately of a person who copied a
well-known, corporate business site (graphics, forms and all), and the
scamster literally "ran off with the money."
Security is a Two-Way Street...
In short, security protects more than the potential harm from hackers.
They also protect ebusinesses and clients from fraud. With SET -- secure
electronic transactions, originally developed by Visa -- for example,
credit card numbers are not even seen by the merchant. They go directly
to the credit card provider and the money is deposited into the specific
merchant's bank. SET uses digital certificates in order to identify both
the customer and the merchant. In fact, SET authenticates all parties
involved (including the bank).
In other words, the merchant knows that the person using the card is
who they say they are, and the client knows that the merchant is who they
say they are. It is even said that shopping online is now more secure
than actually buying offline. But for the business, it definitely helps
to reduce consumer fraud. (For more on SET, visit http://www.setco.org.)
(By the way, at this point I doubt that SET will ever become a standard
because it is too cumbersome and complex. But After September 11, security
has taken on a new meaning and importance. We will likely see more and
more biometrical hardware and software, such as voice recognition, digital
fingerprinting, retinal scans, etc.)
But there are no laws requiring any kind of security... Yet.
As far as legal recourse is concerned, I don't think there is enough
ground for liability. I'm not a lawyer by any means, but as far as I know
laws are being defined right now in order to cover the area of ecommerce.
And I'm sure there will come a time when clients *may* sue merchants.
In my opinion, it's like being responsible for your client's welfare
once they're inside your store in the brick-and-mortar world. But I also
assume that eventually, like the brick-and-mortar world, liability insurance
will cover that too. It's all a matter of time -- and not much of it either.
About the author
Michel Fortin is a direct response copywriter and consultant dedicated
to turning sales messages into powerful magnets. Get a free copy of
his book, "The 10 Commandments of Power Positioning," when
you subscribe to his free monthly ezine, "The Profit Pill."
See http://SuccessDoctor.com/
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