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      "body": "Congratulations @rickmanelius! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@rickmanelius/birthday2.png</td><td>Happy Birthday! - You are on the Steem blockchain for 2 years!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@rickmanelius) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=rickmanelius)_</sub>\n\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!",
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      "body": "Congratulations @rickmanelius! You have received a personal award!\n\n[![](https://steemitimages.com/70x70/http://steemitboard.com/@rickmanelius/birthday1.png)](http://steemitboard.com/@rickmanelius)  1 Year on Steemit\n<sub>_Click on the badge to view your Board of Honor._</sub>\n\n\n**Do not miss the last post from @steemitboard:**\n<table><tr><td><a href=\"https://steemit.com/halloween/@steemitboard/trick-or-treat-publish-your-scariest-halloweeen-story-and-win-a-new-badge\"><img src=\"https://steemitimages.com/64x128/http://i.cubeupload.com/RUyB3u.png\"></a></td><td><a href=\"https://steemit.com/halloween/@steemitboard/trick-or-treat-publish-your-scariest-halloweeen-story-and-win-a-new-badge\">Trick or Treat - Publish your scariest halloweeen story and win a new badge</a></td></tr><tr><td><a href=\"https://steemit.com/steemitboard/@steemitboard/steemitboard-notifications-improved\"><img src=\"https://steemitimages.com/64x128/http://i.cubeupload.com/NgygYH.png\"></a></td><td><a href=\"https://steemit.com/steemitboard/@steemitboard/steemitboard-notifications-improved\">SteemitBoard notifications improved</a></td></tr></table>\n\n> Support [SteemitBoard's project](https://steemit.com/@steemitboard)! **[Vote for its witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1)** and **get one more award**!",
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      "parent_permlink": "ecommerce",
      "author": "rickmanelius",
      "permlink": "ecommerce-and-blockchain-an-inventory-of-all-areas-that-need-consideration",
      "title": "eCommerce & Blockchain: An Inventory of All Areas That Need Consideration",
      "body": "![mike-petrucci-131817-unsplash.jpg](https://steemitimages.com/DQmaG9wBy8terXT8qdeYdgVQtueofX3zhieBKBcZdbzCewa/mike-petrucci-131817-unsplash.jpg)\n\nOne of the biggest thrills of my career was the day a client launched their new online membership program. Once the marketing campaign started, 1000s of payment receipts flooded our inboxes as people joined in droves. Fast forward a few years. One of the terrifying moments of my career was when our 3rd party auditing service flagged us for not being PCI compliant, [which is a requirement]([https://github.com/rickmanelius/drupalpcicompliance) for any merchant wanting to accept credit card payments. We then had to listen in horror as were informed that we might have to shut down our online store within 30 days if we could not prove compliance by this deadline. Worse, if that happened, we would also need to refund all customers orders and payments from the previous 90 days. Yikes!\n\nThese are just two of the many experiences that I’ve had over the past decade building and maintaining eCommerce experiences, which ranged from small non-profit donation sites to the front-end of a full-blown, 9-figure-a-year revenue stream for an enterprise client. During that time, I’ve had the privilege of learning the ins and outs how to run a successful storefront and back office. Yes, making it easy for a customer to find and purchase a product is paramount, but so is inventory management, securing customer data, refunds, shipping, taxes, accounting, etc.\n\n## Enter Bitcoin & Blockchain\nWhile I didn’t initially grok how important Bitcoin would become when I first heard about it several years ago, I’ve since become an avid student of this rapidly evolving technology. Hyperbolic claims aside (and this space is full of them), I do believe that cryptocurrencies represent the future of money. This trend is particularly true on the internet because these technologies have the potential to unlock new opportunities and business models that were not previously possible or feasible with cash and credit cards alone.\n\nThat said, I do believe there is still a ways to go before [the early and late majority]([https://en.wikipedia.org/wiki/Diffusion_of_innovations) eCommerce merchants adopt embrace and replace approach with swapping out credit cards with cryptocurrencies at their primary means of accepting payments. I am bullish that we will get there, but the focus cannot just be around transaction speed, privacy, security, and fees. Yes, those are all incredibly important! However, many other day-to-day operations are affected.\n\nThis article is an attempt to outline as many factors that I could come up with and that I plan to research in the coming weeks/months. It would be safe to say that this isn’t comprehensive. While I have had a fair amount of eCommerce exposure, there are probably many use cases that I haven’t had direct experience with. To that end, if I missed anything glaring, please leave a comment, and I will do my best to update this!\n\n## Key Objectives\nWhen a new technology replaces an incumbent, there are typically three categories of changes that can occur to the overall functionality:\n\n1. Existing Functionality is Replaced.\n2. Existing Functionality is No Longer Possible.\n3. New Functionality is Now Possible.\n\nTo use a crude example. When cars replaced horse and buggy carriages, transportation of people still occurred (existing functionality is replaced). However, the ability to use food as a source of fuel for this transportation went away (existing functionality is no longer possible) and replaced by the new requirement for gas. However, this reliance on gas allowed transportation to go faster and farther (new functionality is now possible).\n\nI did not attempt categories each area because there are shades of grey that might make one topic span multiple areas. That said, I find it helpful to keep those in mind when evaluating each bullet.\n\n## Areas That Need Consideration\nIn alphabetical order:\n\n* **Access Control:** Traditional eCommerce payment gateway providers provide the ability to set different roles and permissions for things like processing refunds, voiding orders, etc. Cryptocurrencies tend to rely heavily on possession of and direct access to private keys, effectively giving an all-or-none approach.\n* **Accounting:** Businesses must be able to integrate transactions of all types into their existing accounting systems (e.g., Quickbooks), so they can continue to operate with CPAs, tax accountants, etc.\n* **Card on File:** This is related to recurring billing (see below). Customers have grown accustomed to the ability to have merchants (e.g., Amazon) store their information and select the method of payment for each order.  A similar UX for cryptocurrencies will help reduce friction.\n* **Compliance:** Merchants wanting to accept credit card payments must meet strict security standards to prove compliance, which can be cost prohibitive. Also, the privilege of accepting card credit payment and it can be revoked if they are in violation. As far as I can tell, cryptocurrencies currently lack a formalized set of best practices, standards, or compliance requirements. This appears to be by design, but merchants could still benefit from best practices.\n* **Corporate Accounts:** Similar to access control (see above), there will be situations where several members of an organization may need to share access to and pay with a company account.\n* **Customer Base:** While cryptocurrencies may represent the future, it is estimated that only 3-5% of all Americans even own cryptocurrencies with a much smaller percentage using them for payment. Effectively, we still have a long way to go before we’re fully in [the early adopter stage]([https://en.wikipedia.org/wiki/Diffusion_of_innovations) of the diffusion curve.  Given this, it will take time before most merchants will push cryptocurrencies as the primary or only form of payment.\n* **Customer Support:** While one value proposition of Blockchain is to disintermediate 3rd parties, mistakes happen, and customer support often needs the ability to intervene to assist with submitting, refunding, or changing a payment. There may be a way to do this via smart contracts.\n* **Debit Cards:** A potential stepping stone solution to increase the usage of cryptocurrencies for everyday payments is by wrapping them behind a debit or credit card that triggers a currency conversion in the background. Tax implications (see below) are still a concern.\n* **Digital Assets:** Business opportunities like Cryptokitties (where assets can be purchased and transferred via smart contracts directly tied to payments) are significant easier, if not only possible, using cryptocurrencies.\n* **Exchange Rates:** Given the probability of a merchant wanting to price in fiat currency and the wide diversity of potential cryptocurrencies that customers may wish to use, crypto payments will likely need to have real-time pricing based on API calls to various exchange rate services.\n* **Fees:** Credit card fees are high but stable. Cryptocurrency fees can be low small but fluctuate as we’ve seen in late 2017.\n* **Forks:** Businesses may not be equipped to keep up with the rapidly evolving landscape as major projects sometimes hard fork into two or more chains, such as what [recently happened with Monero]([https://globalcoinreport.com/monero-xmr-splits-into-four-different-projects-post-april-4th-hard-fork/).\n* **Identify Verification:** While there is an admirable goal to push for privacy when using cryptocurrencies, customer support will still need to do things like verify the last four digits of an address. Without billing information tied to this, they may require other forms of verification.\n* **Integrations:** Over 30% of the web is powered by WordPress, Drupal, or Joomla. Additionally, there are robust PaaS solutions (e.g. Wix, Squarespace, Shopify, etc.) that represent another large percentage. Integrating with these systems will make it significantly easier for customers to begin using cryptocurrencies on a more frequent basis.\n* **Metered Billing:** Services (like Amazon Web Services) that offer per second pricing still only invoice and charge credit cards on a regular interval (generally monthly) versus in real time or per API call. Technologies like the Lightning Network appear to make metered or streaming pricing possible. Tax implications (see below) are still a concern, particularly if one needs to calculate gain/loss at each microtransaction.\n* **Mobile Experience:** The ability to balance security and ease of use for an everyday transaction will largely determine if someone in a hurry to buy their latte at the coffee shop will pull out their credit card or fire up their wallet app.\n* **Nodes:** Certain privacy coins require running a full node for shielding, which can represent a significant barrier to entry for people who already find it challenging to make cryptocurrency payments through services with polished interfaces, such as Coinbase.\n* **Pricing Volatility:** Given the cost of producing and delivering goods and services is largely based on fiat currencies, merchants wishing to have predictable profit margins are likely going to price in fiat. Additionally, may charge a premium to buffer for price volatility until their margins become more stable.\n* **Privacy:** While the anonymity of cryptocurrency payments is important, customer data will still likely need to be stored in the merchant database. If/when database breaches occur, this will still tie identify information to a specific address.\n* **Recurring Billing:** Credit cards (or a reusable token that represents them) can be stored by an eCommerce merchant. This allows them to process recurring payments that a customer has already agreed to when signing up for a particular service. Blockchain can potentially achieve a similar result through smart contracts.\n* **Refunds, Voids, & Cancelations:** The ability for a back office team to perform these actions will be critical. However, they need to be able to do this without direct access to private keys at a given address.\n* **Risk (Merchant):** If a Merchant inadvertently lost their private keys, there may be no way to get those funds back. If login credentials are lost for a traditional payment processor or merchant account, access can be restored. Additionally, there are systems in place for detecting and rejecting fraudulent payments and activity.\n* **Security Model:** Credit card transactions require the transmission, processing, and storage of customer information to be secured at each stage and by anything that affects the card data environment. Blockchain transactions, by contrast, are meant to be submitted to the network for processing.\n* **Taxes:** While both credit card and crypto payments are subject to sales tax, customers using cryptocurrencies have the additional burden of tracking the value of their currency at the time of sale and reporting on federal and state taxes as a loss or gain. This alone may prevent end-users from wanting to use cryptocurrencies frequently unless/until they are using a service that can help them track this automatically.\n* **Total Cost of Ownership (TCO):** Ultimately, merchants focusing on top line revenue and bottom line margins are going to want to make sure that the benefits of accepting cryptocurrency are not outweighed by the cost to support and maintain these payment methods.\n* **User Experience (UX):** The process of easily, quickly, and securely submitting a payment affects how many customers convert, which affects a merchants top line revenue and overall profitability. Hundreds of cryptocurrencies and tokens each with their own set of supported wallets can lead to a very convoluted set of experiences.\n* **Verification Time:** While some cryptocurrencies offer incredibly fast validation times, waiting up until 10 minutes before being granted access through an online paywall may be untenable for certain users in certain situations.\n* **Wallets:** End-users may be more comfortable carrying credit cards that have fraud detection than wallets that can be hacked/stolen without any resource.\n\nDid I miss anything?\n\nAs a final reminder, I’m very bullish that the cryptocurrency space will eventually have robust solutions to address all of these areas (if they aren’t already being addressed right now). I recognize that [Coinbase Commerce]([https://commerce.coinbase.com/) is starting to move into this direction with its integration with Shopify. This is a significant step in the right direction and it will help address the needs of merchants that can meet their business needs with a PaaS solution. However, this is but a fraction of the overall market. I’m curious how many months (years?) it will be until WordPress WooCommerce or Drupal Commerce features and promote a similar solution as their defacto payment gateway. THAT will be a big day indeed.\n\nPhoto by Mike Petrucci on Unsplash",
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      "body": "It's possible that this effect may have several causes that bundle together to a similar outcome. One source could be related to the theory of memory construction and reconstruction described by experts like Vera Birkenbihl. The basic idea is that we as a society expect that we each have a perfect recollection of a memory we stored in our memory web, but this is false because we didn't fully perceive the data accurately in the first place. This is why eyewitness testimony is only accurate a percentage of the time because they thought they had 100% accuracy in their observation of the event but, in reality, their brains either filled in the gaps or that information was never stored in the first place.\n\nTo link this back to the Mandela effect, consider a piece of information that isn't super important (such as whether or not the Monopoly man wore a monocle) and then consider that a few people may have stated or simply thought it was one way or the other. In the case of the monopoly man, it’s not a big reach to see the archetype related to someone that would potentially wear one. Once that rumor/meme/belief starts, it takes on a life of its own even though it had no basis in fact.\n\nThat’s just one way. Another explanation could be based on psi phenomenon or morphic fields, although neither of these has been accepted in the standard model of physics.",
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      "body": "Hi @be4u. Regarding the \"never post content from anywhere\", I assume that means content you don't own the copyright for and not just any content? Or is there a duplicate SEO penalty or just a Steemit enforced penalty if you cross post to your own blog (regardless if you properly use a canonical link)?",
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      "body": "welcome to steemit world . Always Remember 5 points..\n1)Never copy paste content from any where ..\n2)It can take some time but if you work hard , God will definitely give you success..\n3)Never abuse anyone or post haterade content on steemit..\n4)Daily post will increase your REPUTATION SCORE (number by the side of your name)\n    Reputation score is mainly based on upvotes and comments .\n    No matter what you post ,if it gets upvotes and comments then reputation score will increase\n    Don't let anyone flag you or downvote you..\n5)Your first post should be your introduction..\n    I wish you success\n                                      You can follow me @be4u",
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      "title": "A Lasting Ledger Legacy?",
      "body": "[I lost 200,000+ emails a year ago](https://rickmanelius.com/article/you%E2%80%99ve-lost-mail-200000-emails-be-exact%E2%80%A6). By itself, it was frustrating because I know had no practical way to retrieve important information that I  occasionally needed to access or dig up. However, the bigger gut punch was it was one of the first moments in my life that I realized how much of my identity I have offloaded to technology. Yes we never memorize phone numbers anymore because our iPhones make that a pointless exercise and that’s just the beginning. We’re [literally offloading our memory to the cloud](https://www.scientificamerican.com/article/the-internet-has-become-the-external-hard-drive-for-our-memories/). And that’s amazing except when a technology or human error erases a memory we thought we could retrieve through a google search.\n\nI often wonder where our digital trails will be in 60 years. We fear that anything that is every posted online will be there forever to haunt us and yet I’ve tried to search for articles I’ve written on platforms that have since been upgraded only to find that I simply cannot pull up the record anymore. The [Way Back Machine](https://archive.org/web/) is impressive in it’s ability to save snapshots of every site it crawls and yet it too could go away the second it loses funding and can no longer pay for the servers.\n\n![wayback-machine-fund-raising.png](https://steemitimages.com/DQmUkG2SMtCcYWRhRmnhtJ19jNpmiT5hXHLJZHefT4h8WvP/wayback-machine-fund-raising.png)\n\nI sometimes dwell about my own blog! When I upgrade, do I have to maintain it all with properly aligned 301 redirects to make sure anyone searching (even if it’s just me) can still find it? Or what happens when I simply can’t afford the time or money to maintain it and it all goes away.\n\nIn short, when I call out into the internet to hear an echo from my past self, will my voice show up? This is not a theoretical question because I spent quite a bit of time making friendships and establishing myself on the Google+ platform before it basically went defunct. Yes it still exists for now, but it’s one board decision away from going away and there is nothing I can do about it except try to scrape what mattered to me and store it…. exactly where?\n\nI’m a blockchain, distributed ledger newbie for sure, but what excites me about it all is the concept that what is added to the ledger may persist along the time dimension much more strongly than our current collection of websites and social media platforms that mostly live in the here and now without much thought. Even the [Library of Congress attempted and failed at storing every Tweet](https://www.theatlantic.com/technology/archive/2016/08/can-twitter-fit-inside-the-library-of-congress/494339/) because these are hard problems that a traditional, centralized database still needs a singular entity to solve that and persist long after it loses the funding to do so.\n\nI’m not entirely sure I understand the purpose of Steem.it, but I’m very curious if and how it intends to solve this problem. Maybe I’m looking in the wrong place and I’ll find someone else of interest here to keep me coming back instead of maintaining my blog as my primary platform of choice. After all, it’s the only way I can have full control over the copyright and how long it’s accessible on the web until I find something better.\n\nAnyway, this may not be your typical introduceyourself intro, but I wanted to post my intention of joining this community in the hopes that I might find others that share that interest, or perhaps even provide me a few pointers along the way.\n\nCheers!",
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