Coronavirus adds to concerns over slowing growth and stressed financial system

Central bank governor calls for ‘war effort’ as coronavirus shuts down country

Narendra Modi failed to say how millions of employees — mainly rural migrants — were to get by

Outbreak prompts overseas investors to sell $16bn of stocks and bonds in March

Network to provide 80,000 mobile beds after national lockdown shuts passenger services   

Hayden Library - T174.7.P46 2012

Hayden Library - T174.7.W65 2012

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24-year-old Tosha Thakkar was last seen alive on March 9 in Sydney. Her alleged attacker, Daniel Stani-Reginald, has been denied bail.

WhatsApp is also working directly with NGOs and governments, including the WHO and over 20 national health ministries, to help connect people with accurate information.

The fake message was fact-checked by the PIB which said in a tweet that the "Government is doing no such thing."

'My main concern was that a proper Sardar would not fit in the acting world, but things are changed now.'

Vidya Balan's candid confession.

'But it is also an industry that is very accepting when they see talent and hard work.'

Please Join us for an American Folklife Center Summer Music Jam: Klezmer led by Howard Ungar and Seth Kibel

September 12, 2019, 7:00 to 9:00 pm 
Veterans History Project Information & Welcome Center (LJ-G51) 
Thomas Jefferson Building, Library of Congress

The American Folklife Center's series of informal jams to celebrate our living folk traditions, and to bring to life the collections from our vast ethnographic archive continues in 2019. This jam will be led by Howard Ungar and Seth Kibel. So grab your violin, clarinet, trumpet, or other instruments, and come on over to the Library of Congress for the Klezmer Jam.

Seth Kibel is the leader, clarinetist, and composer for The Alexandria Kleztet, an innovative award-winning klezmer band he founded in the Baltimore/Washington area. The band has released four albums that all recieved the Washington Area Music Award for best album upon their release. In addition to his activities with The Kleztet, Seth has fronted a variety of swing and jazz groups, including Bay Jazz Project.

Klezmer trumpeter Howard Ungar founded the DC Klezmer Workshop. Howard has been playing klezmer trumpet since he attended his first KlezKamp in 1999 and has attended many KlezKamp, Yiddish New York, and KlezKanada festivals. He is a founding member of the DC based klezmer band Mrs. Toretsky’s Nightmare, who have played at numerous weddings, bar-mitvahs, and holiday events. You can also hear him playing trumpet with the DC based Machaya Klezmer Band at the Washington Folk Festival and other venues around town. 

This event is co-sponsored by the DC Klezmer Workshop

Request ADA accommodations five days in advance at 202-707-6362 or ADA@loc.gov

Find more information at this link!

Please join us for an afternoon symposium:

James Hogg: Scotland's Shepherd Poet
February 21, 2020 1:00 pm - 6:00 pm
Whittall Pavilion, Thomas Jefferson Building, Library of Congress

This symposium will explore the work of James Hogg, “The Ettrick Shepherd” (1770-1835), an influential Scottish song-maker, folklore collector, novelist, and poet. Inspired by Robert Burns, colleague of Walter Scott, and friend of Lord Byron, Hogg played a major role in creating and promoting Scottish culture, within Scotland and internationally.

This free event, which is open to the public, will compare his work with that of more recent American performers and collectors, who also served as intermediaries between the worlds of folk, popular, and literary culture for the first time. Speakers will explore issues around field collecting, song transmission and creation over the past three centuries. An afternoon of presentations and discussions will be capped by a performance featuring renowned singer Sheena Wellington, who has recorded and performed some of Hogg’s best known songs.

Request ADA accommodations five days in advance at 202-707-6362 or ADA@loc.gov

Find further information at the link!

This is a reminder that the American Folklife Center at the Library of Congress invites applications for the Henry Reed Fund Award, which supports activities directly involving folk artists such as recording projects, apprenticeships, or performances. Find information about the Henry Reed Fund Award and other fellowships at the link--scroll down for the Henry Reed Fund. The past recipients link will also help provide a useful history of the award.

The deadline is 12:00 midnight, March 2, 2020.

Click here for more information.

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Hayden Library - QH440.G46 2018

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Hayden Library - QH447.H554 2017

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Dewey Library - QH331.E85 2018

Barker Library - QH431.F65 2019

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Hayden Library - QH450.B34 2018

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

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

Applying Design Patterns

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

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

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

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

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

Having Desktop Bias

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

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

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

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

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

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

Right Time, Right Place

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

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

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

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

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

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

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

Tricky, Tricky

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

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

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

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

But Why?

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

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

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

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

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

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

Core Value, ASAP

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

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

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

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

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

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

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

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

More On On-boarding

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

In his Third-Party Software and the Fate of the Web presentation at An Event Apart in Denver, Trent Walton talked through the impact of third party scripts on Web sites and how to ensure they don't degrade performance and user experience. Here's my notes from his talk:

• With most client work, no one is paying attention to the impact of third parties on Web sites.
• Third parties are requests on a Web page coming from an external URL. Examples: TypeKit, Google Analytics, etc. People use third parties to get data to make product decisions, earn income (ads, marketing), add content (videos, fonts), add functionality (comments, chat, etc.).
• But third parties can also create issues. Loading scripts and files can really slow things down or provide an inconsistent UI and create privacy issues based on how they handle user data.
• If you care about the final deliverable for a Web site, you need to be aware of the impact of third parties on your product. All the work we do on optimizing images, code, and designs can be quickly outweighed by the addition of third party scripts to a site.
• Starting with the categories of 3rd party scripts helps you get a good sense of why people are using them: Advertising, A/B testing Tools, Analytics, Social Media, CDN, Customer Interaction, Comments, Essential.
• Looking at the top third party requests across the Alexa top 46 sites in the United States shows 213 different domain sources. The average site has 22 different domains. News sites have the most third party domains.
• Several tools can help you understand what's happening with third party scripts on a site. Request Map Generator can help you create a visualization of the different third parties on your Web site to help create awareness of what's happening on your site. Chrome's Lighthouse tool has a similar set of capabilities.
• How do third parties impact end users? Does your site depend on third parties to function? As more people block these components, will it break? Re-marketing can create creepy experiences as content begins "follow" you online.
• Web builders are on the front lines. We can advocate for the right approaches to privacy and data management. Though some of these conversations may be hard, it's our responsibility to end users.
• Web browsers now have tools to help you manage third party scripts like cookies and cross-site tracking. But most people are likely not turing on the stricter versions of these features.
• If you control a site, you can decide what third parties you want to include. But what about sites you don't control? Consider the perspective of your clients/companies and present data that explains the impact of third party on conversion and user experience.
• Establish some standards for third party integrations: determine the value, avoid redundant services, work with a performance budget, comply with privacy policies.
• Audit the third parties on your site and include data that illustrates how they perform against your standards. Compare this audit to competitors in order to set benchmarks or comparisons.
• Get specific insights: there's usually a few instances of third parties that have become redundant, unnecessary, or are blocking page rendering. These wins create credibility and illustrate impact.
• Maintain ongoing conversations with teams to make effective decisions about third parties on your sites.

Britain’s largest festival about refugees and sanctuary is more relevant than ever, writes Lydia Noon.

The world will miss the lawyer and philantrophist who defended Mandela and was chair of Oxfam, writes Mari Marcel Thekaekara.

Underwriting losses narrowed down to Rs 29.42 crore in Q4FY20, from Rs 49.70 crore a year ago