Connect with us

Politics

5 Financial Technology (Fintech) Trends to Watch Out for in 2021 and Beyond – ReadWrite

Published

on

Aliha Tanveer


It has become appallingly obvious that technology has surpassed humanity. Technological innovations, as well as advancements, are revolutionizing the complete world. Literally, everything is prone towards digitization. According to technological growth statistics, there are approximately 4.88 billion mobile phone users across the globe as of January 2021. 62% of the world’s population owns mobile devices. People use mobile devices even for their financial transactions since after the pandemic outbreak.

Fintech Trends to Watch Out for in 2021 and Beyond

Since the coronavirus struck, people are more prone to mobile payments and digital transactions. The purpose of this approach is to avoid physical contact, resulting in tremendous evolution in the Fintech industry. Over 69 million people use mobile payment services. Not only this, but also in the United States, in-store mobile payments are reaching $128 billion in 2021.

Financial technology is a novel advancement that is attaining prominence worldwide by substituting traditional financial services in numerous sectors, including payments, wealth management, banking, electronic commerce, social commerce, and much more.

Infrastructure-based technology in application programming interfaces and open platforms is revamping the future of the financial service industry as the operational advancements provided by robotic process automation (RPA), distributed ledger technology (DLT), and chatbots offer sufficient precision, efficiency, and agility.

Revolutionary AI/ML algorithms, as well as blockchain technology, are influencing the fintech industry. Let us lay our eyes on some of the most evolving fintech trends that influence financial infrastructures and this Earth.

Autonomous Finance

Autonomous finance takes off the burden from customer’s shoulders by automating the financial decision-making process with the acquisition of artificial intelligence algorithms. This technology helps customers to come up with instant decisions regarding their finances, such as where to invest them, what to do with the overdrawn account, or how to approve the loan with more favorable interests.

Automated finance initiated from robo advisors concerned with mutual fund management and software-based financial planning. Growth-based organizations expect an enhancement in customer experience with autonomous finance.

Moreover, growth-based companies believe that customers will benefit from enhanced financial wellness and proactive customer service, resulting in company stabilization and developing a technical foundation with automated processes and digitized automation.

According to the study called “State of the Connected Customer,” 68% of the customers have higher expectations from the digital capabilities of companies because of the pandemic. Still, only 27% have handled the pandemic effectively by utilizing their autonomous finance capabilities.

Hence analysts and researchers are expecting more advancements in autonomous finance over time in parallel to the advancement in cognitive technology.

Voice Technology

AI-powered voice technology has advanced to be able to play songs or tell weather forecasts, and this technology is playing a very promising role in enhancing finance-related tasks.

The evolving voice technology can stream infrequent transactions as much as frequent transactions, allowing users to reroute funds among accounts or transactions via platforms such as Monzo, PayPal, Pingit, Square Cash, etc.

The progression in voice technology is expected to evolve from 8% to 31% by the year 2022. Also, it is estimated that robo-advisors are capable of managing an incredible $2 trillion in assets.

Embeddable Infrastructure

Embedded finance is the fastest evolving market, and companies nowadays are embedding pre-built fintech solutions in their software through the latest APIs. It is an impeccable combination of changing financial services into non-financial services. Businesses are rapidly collaborating with companies that offer financial services. Embedded Finance Infrastructure effectively lessens the hurdles for online platforms to provide financial services to their customers.

It authorizes business in MSME, B2C, and B2B segments to immensely increase their customer acquisition, legitimize customer foundation and help in scaling their product offers. According to recent studies, it is said that it is more than a $ 7 trillion market. However, as it is growing with the speed of light, researchers estimate that it will generate total revenue of $230 billion by 2025 only in the United States.

Open Banking

Blending banks and Fintech together, open banking enables data networking across financial infrastructures. The second payment services directive(PSD2) emphasizes financial institutions to release their information in a secure and standardized form. Open baking permits users to share their information effectively, efficiently with ease, flexibility, and security. By hitting approximately 7.2 billion, the open banking sector has succeeded in quadrupling its worth in only a year.

In 2019, open banking generated a revenue of $7.29 billion, and it is estimated that it will surpass the figure of $43.15 billion by the year 2026. Financial infrastructures require Fintech, and Fintech needs credit unions and community banks. Open banking partnerships can offer customers a consolidated view of their bank accounts for effortless and efficient management.

Machine Learning and Artificial Intelligence

Private players and public sector initiatives have enabled user-permitted access to financial data such as cash flow or payroll. Presently, organizations are analyzing this information with the help of revolutionary artificial intelligence algorithms and the latest machine learning techniques. To attain deep insights into business metrics as well as customer behavior.

Predictive capabilities prove to be a game-changer for any company, but such capabilities are highly beneficial in the finance industry. Such capabilities play a pivotal role in the enhancement of security protocols of financial infrastructure. According to certain studies, machine learning and artificial intelligence in Fintech were worth almost $8 billion in 2020. However, researchers are estimating that these advancements will bypass the figure of $26 billion by the year 2026.

Conclusion: What’s Coming Ahead?

Given this trajectory, it is crystal clear that progression in financial technology or Fintech will not stop anytime soon. Also, this evolution will continue to become immensely embedded in almost every aspect of digital tools that we use regularly.

Fintech will continue to make financial services accurate and efficient with effortless access to them. Considering the tremendous evolution in the fintech industry, the global fintech market is expected to reach a market value of almost $324 billion by the year 2026, growing at a CAGR of about 23.41% from 2021 to 2026.

Hence, progression in the fintech industry will encounter simultaneously with the development of embedded infrastructure. Also, fintech evolution is encountering due to the acquisition of revolutionary artificial intelligence and machine learning algorithms. Fintech evolution occurs because of organizations’ efforts that merge these forces to develop a broader foundation. That broader foundation unlocks financial access to the new generation of users and drives innovation at a mighty pace.

Image Credit: burak kebapci; pexels; thank you!

Aliha Tanveer

Technical Content writer, who loves to pen down her thoughts and insights in the best way possible.
Leverages background in computer science to write for highly technical audiences.

Politics

The Future of Calendars: Predictions and Trends

Published

on

Calendar


We live in a world where online calendars are a part of our daily lives. No matter how diligently you use an online calendar, you’re still benefiting from it. For instance, you might be reminded to send a birthday card online, schedule events or business meetings, or block out your day.

It is important to realize that online calendars are still a relatively new productivity tool that is rapidly developing. As a matter of fact, your online calendar is becoming more of a personal assistant that will advise you on how to spend your time best. But, there is so much more than calendars are capable of in the future, such as the following predictions and trends.

Solving scheduling problems.

“So far, it looks like the reinvention of the calendar will happen in two phases,” notes David Pierce for Protocol. “First, users will get access to a new set of tools, integrated with Google and Outlook calendars but opening up lots of new features.”

After that, calendars will be turned into a standalone service if they prove successful. In the same way, Slack is to email, Zoom is to a desk phone, and Airtable is to Excel, all these companies hope to be to your Outlook calendar, he adds. “Time is money, all these calendar companies will argue to investors and customers, and we’ll save you both.”

“We’re only at the beginning of the first phase, though, and still attacking the first problem worth solving: scheduling. How about one solution? It’s as simple as speeding up the process.

Superhuman, for example, scans emails for dates like “next Friday” and lets users send invitations accordingly. Scheduling is, in essence, an email problem. As a result, it should be available as an email solution as well. In a similar vein, Vimcal, often referred to as “Superhuman for calendars,” is a new app that focuses on speed, and CEO John Li said most people want meeting creation to happen lightning fast.

Calendar is another option if you want to speed up the scheduling process. The Find a Time feature in Calendar allows you to schedule with others quickly. Using multiple calendar users, create events based on their availability and see when they are busy.

Chatbots will be able to organize your meetings.

Professional life has become quite complicated following the pandemic. For example, working remotely from home isn’t as straightforward as it seems. Many of us find it hard to keep up with the increasing demands on our time.

At the same time, the number of American employees working remotely is expected to increase to 36.2 million by 2025. So, we’re going to have to get used to these new working conditions. Thankfully, technology can save the day.

The majority of the time, work involves scheduling meetings and being on time. In order to make your life easier, you can use a chatbot to help you set up meetings. Chatbots can still be useful as an additional meeting planning tool, such as SharePoint calendars.

You can also schedule meetings using Messagely or TARS. It is also beneficial to manage teams remotely and track their time by using a time tracker. It is possible to balance work and life with the help of these chatbots.

Chatbots and software powered by artificial intelligence also show great promise for helping businesses become more productive and profitable. For example, a phone validator app checks the validity, type of line, network carrier, location, etc., of the line to improve productivity.

These chatbots can handle scheduling and organizing meetings while you focus on other important tasks.

Calendars will become even more intelligent.

Smart calendars or intelligent calendars collect every schedule or action to boost productivity and simplify management using intelligence or automation. Using an intelligent calendar will help you establish boundaries between your personal and professional life.

As well as blocking time, you can reduce the time spent on certain tasks manually. Your ideal workweek can be automatically scheduled and managed using a smart calendar. Besides scheduling tasks, you can use an intelligent calendar to increase efficiency and reduce human dependency.

It goes without saying that an intelligent calendar can enhance productivity and save you time. In an effort to streamline meetings, increase event aggregation, and reduce time wastage, intelligent calendars have become a necessity due to the following:

  • Notes can be jotted down in the calendar to help keep track of important information and deadlines.
  • Synchronize your personal and work calendars.
  • It is possible to get information from smart notes that will help you determine what actions to take.
  • Organizes all your meeting invitations
  • From the app, you can get relevant information about the weather, traffic, and drive times.

With Motion, for example, you can always know what to do next. It creates a day-by-day schedule based on meetings, giving you a minute-by-minute overview. Trevor AI is another AI calendar app that helps you organize your day by keeping track of your lists of tasks to do; this AI calendar app puts one task at a time so that you work more efficiently.

Furthermore, Calendar can provide smart suggestions on when, where, and who to invite when scheduling meetings. It’s not magic. With artificial intelligence and machine learning, Calendar can create a unique scheduling experience for you.

Finally, intelligent calendars can help you become less distracted and more productive.

If you block out 8:30 a.m. to 11:30 a.m. in your calendar for undisturbed work, quiet time is from 8:30 am to 11:30 am. Your calendar will automatically block out this time instead of creating a recurring event.

During this time, you may find your calendar automatically disables distractions like email and social media notifications. It’s possible that your calendar will determine when you’re most productive as well. As such, if you fade out every 50 minutes, you’ll be reminded to stretch and take a break.

And, that’s just scratching the surface. Considering that the size of the global artificial intelligence market was $136.55 billion in 2022 and is projected to increase by 37.3% from 2023 to 2030, calendars will continue to become more and more intelligent.

The AR calendar will bring your calendar to life.

It’s true that some companies have been using augmented reality (AR) to make plain old paper calendars more interactive for the past several years.

As an example, once you download an app, you just need to point your phone at a calendar image and tap the screen. Using AR, Tengo Interactive created an airport calendar that provided users with a behind-the-scenes view. Other companies have created wall calendars that utilize augmented reality to explain their entire product range.

By 2028, the AR market is expected to reach $97.76 billion. Due to this, augmented reality calendars and marketing opportunities will continue to expand rapidly.

By using this technology, you will be able to walk through a property in virtual reality. From there, you might be able to make an appointment with the realtor if you like what you see.

If you are planning a trip to the Grand Canyon, you could experience the destination before booking the trip. Or, you could view local restaurants, salons, or museums. You then have the option to make reservations or book tickets and have them automatically added to your calendar.

Use ChatGPT prompts to manage your time.

On November 30, 2022, ChatGPT was launched, which quickly sent the internet into a frenzy. Just one week after it was launched, OpenAI’s chatbot reached 1 million users. It also gained 57 million users in its first month and is supported by Microsoft’s $10 billion investment in Open AI.

Still not impressed? After two months of launch, ChatGPT reached 100 million monthly active users, making it the world’s fastest-growing consumer app. And some people have even dubbed it “the best AI chatbot ever released to the general public.”

As a result, it would be remiss of us not to mention ChatGPT. Furthermore, the app deserves its own section due to its popularity.

But, what link is there between ChatGPT and calendars?

In particular, Chat GPT can help you locate open times on your calendar for dental appointments or team meetings. In order to fix this problem, you might write a prompt telling it what your schedule looks like for the week and ask for a reorganization.

As well as scheduling meetings and appointments, ChatGPT can keep track of deadlines and deliverables for event managers. ChatGPT’s natural language processing feature enables event managers to input their requirements and view their schedules on a calendar.

Some of your chores will be taken care of by your calendar.

“Online calendars aren’t merely more useful than their paper peers,” writes Howie Jones in a previous Calendar post. “Today’s top calendar apps can recognize and prevent double-bookings.” Others can adjust meetings across time zones.

But, over the next decade or so, how much more will online calendars be capable of?

“While I wouldn’t hold out for magically tackling your chores for you, there are many more online calendars will be able to do by 2030,” Howie adds. You may see the following upgrades:

Book travel.

As your calendar continues to evolve, your reservations will be made for you. How? Several popular online calendar apps will integrate airlines and hotel services. From the same app, you can decide when and where you want to go.

Scan and plan.

Let’s say that you walk past a flyer or a billboard advertising a local event. Rather than scanning down the information, why not let your calendar app copy it down for you?

Suggest nearby events.

You can use your mobile device’s location tools to find out where you are. Your calendar app will then show you all events within a specified radius when you choose the day and hour. As long as it knows your preferences, it won’t suggest a roller coaster park if you hate them.

Tend to your home.

Google Home and Alexa will soon be able to connect with your online calendar, so you can schedule actions for each device connected to your smart home network.

Maintain your vehicle.

Changing your car’s oil and rotating its tires should be done every few thousand miles. Using your calendar app, you can keep track of your mechanic visits and schedule future appointments. With the help of an app like Google Maps, it will alert you when you have reached your mileage threshold. The app will suggest a highly-rated mechanic if your current mechanic is unsatisfactory.

Published First on Calendar. Read Here.

Featured Image Credit: Photo by Samson Katt; Pexels; Thank you!

Calendar

We are Calendar, trying to make the world a much more productive place. Check us out online at https://www.calendar.com.

Continue Reading

Politics

Top 10 Software Development Companies In Chicago 2023

Published

on

Jigar Agrawal


Finding top software development companies in Chicago is never an easy choice. Chicago is a significant technology hub, and there are thousands of companies that have offices in this region. This makes choosing your partner difficult. But not from now. If you stick through the end of this article, you’ll know the software development companies you should approach whenever you need any services.

List of top 10 Software Development Companies in Chicago For 2023

1. eSparkBiz

eSparkBiz is a software development company with multiple decades of experience in serving international and local clients. The company has multiple offices around the globe and offers hiring models that are suitable for customers of all sizes.

It offers services like digital transformation, software development, web app development, mobile app development, AI/ML, Data Science, In-depth Analytics, IoT, and Blockchain development. This company is a one-stop solution for all your software needs, and you’ll get the best solutions from their experienced staff.

eSparkBiz also provides end-to-end product development and maintenance for startups. So, if you’ve got a great idea, give them a ring and get it transformed into a business with their expertise.

2. Forte Group

Forte Group is a large software development company from Chicago with 22 years of industry experience. The company has more than 900 software professionals working on different projects and technologies for their global clients.

The company provides product management, QA, Ecommerce Strategy, and enterprise software engineering services. Forte provides end-to-end product development and maintenance for customers around the world from its ten global office locations.

3. Highland

Highland is another company on this list with multiple decades of experience. It assists organizations in developing, designing, scaling, and customizing digital goods, experiences, and companies that benefit others. It has an extensive portfolio of projects, and till now, it has helped its clients launch over 350+ ground-breaking products.

The company provides innovative business solutions and helps companies with digital transformation and innovation needs.

4. Launchpad Lab

Launchpad lab is a team of digital product specialists who collaborate with you to change your company by using the relevant services, talents, and technology. The company provides a wide variety of services like web app development, mobile app development, UI/UX design, product strategy, and salesforce development.

If you want to work with the best and most futuristic technologies, the team at Launchpad lab will surely help you. Moreover, the company has already built and maintained futuristic solutions since 2012 for companies around the globe.

5. Vault Innovation

Vault innovation is a custom software development company that provides end-to-end software engineering services. It has helped numerous business owners launch their exciting digital products and leave competitors in the dust.

The company provides various development services like Technical architecture, Backend Development, Frontend development, QA testing, and project management too.

Vault innovation also provides flexible hiring models that help you leverage the best while keeping costs in control. Whether you are looking to build an entirely new product or enhance an existing product, Vault innovation has the skilled developers to turn your requests into features.

6. Neologic

Neologic was founded in 2008, and since then, it has provided multiple software development and engineering services to global clients. Its services include process consultation, product management, and software support and maintenance over and above the core development services.

It follows a three-step process for software development and helps clients globally. Neologic consultants start with deep research on your problems and understand the core needs. After that, they design the end-to-end solutions and chart out the plans, and begin developing software that helps your business.

7. Plego

Plego technologies is a software consulting company with multiple offices around the globe. It provides services like web development, eCommerce store development, AI/ML products, and many more things.

Plego has been in the software development business since 2002, and by now, it has worked with large corporations like Berkshire Hathaway, Apple, Samsung, Intel, etc.

The company offers multiple hiring models, so you can choose the one that provides maximum efficiency for your investments, and you can always change the hiring models as you advance.

8. Atomic Object

Atomic Object is a custom software development and consulting company for all your technical needs. It provides services like web development, mobile development, IoT software, Desktop applications, and Cloud migration too.

The company works with the latest technologies like Android, Swift, Azure, React, AWS, NodeJS, and many others as and when its clients require it.

9. Caxy Interactive

Caxy Interactive is one of the oldest and top software development companies in Chicago. It was established in 1999 and has been based in Chicago since then. The company provides services like web development, analytics, and design for global customers.

10. SimForm

SimForm is a unique digital engineering and solutions provider. The company provides services in four main sections such as product engineering, cloud, and DevOps engineering, Data engineering, and Quality engineering.

If you want to build exceptional products with an extensive team, SimForm is the way to go. It provides project management, design, development, performance testing, and app management services. SimForm started in 2010, and by now, it has helped clients of various levels right including startups, public companies, Fortune 500 companies, WHO, and NGOs too.

Conclusion

Whether you are looking for an experienced and reliable solution provider or you are looking for an innovative and experimental software development company, you have all the best options in this list. So clear your requirements, and head to any of these software development companies in Chicago to build the best technological products for your needs.

Featured Image Credit: Provided by the Author; Thank you!

Jigar Agrawal

Jigar Agarwal Digital Marketing Manager @eSparkBiz, Passionate about anything related to Digital Marketing. Wants to unlock the world of technology and Social Media where every day there is a chance of new possibility as well as innovation. He help every SaaS Development companies to improve their ROI.

Continue Reading

Politics

Best Moz Alternatives of 2023

Published

on

SemRush and GritDaily


Every entrepreneur and small business owner needs to get SEO right if they want to be competitive in both the online and local markets in which they operate.

Making sure your website gets seen by the right people—your prospects—at the right time—when they’re ready to buy—is just the first-level challenge. You also need to make sure your site is optimized for local search traffic and ranking well organically to prospects who are in an earlier stage of the buyer’s journey.

To solve those business website challenges, many owners and entrepreneurs turn to reputable online SEO tools. For many years, Moz has been considered to be at the top of that list.

Moz and What It Can Do for Entrepreneurs

Moz Pro is a suite of SEO tools that includes keyword research, site audit, rank tracking, link building, and much more. One of the first SEO tools to hit the market, Moz Pro remains quite popular with businesses of all sizes.

However, some find Moz Pro to be prohibitively expensive, and many find its value—that is, what it offers in exchange for those high prices—to be less compelling than some of its competitors. While it does offer a free plan, that level provides access to limited features. Additionally, many users find the UI/UX (user interface/user experience) non-intuitive, with a steep learning curve.

These are just a few reasons why entrepreneurs might want to seek a different alternative to resolve their SEO challenges. In addition to tools offered by search engines, such as Google Search Console (a free tool that Google offers to help monitor site performance, indexing issues, and more), consider some of the Moz alternatives we’ve listed below.

1. Semrush

Semrush is a comprehensive suite of SEO tools that offers keyword research, competitor analysis, site audit, backlink analysis, and more. Like Moz, it will help you research and analyze keywords, including search volume, related keywords, and more.

Both sets of tools also help you choose keywords that are accessible and competitive, but SEMrush helps you assess how many links you’ll have to build in order to rank for that specific keyphrase. While Moz offers ranking data for results from Google, Bing, and Yahoo! Search engines, SEMrush only provides Google data.

SEMrush may also provide more help in the field of social media analysis with SM content optimization, management, and performance analysis tools. It offers a free trial, plus a free version with limited functionality as well as three paid plans.

Click here to try Semrush for free for 14 days.

2. Ahrefs

A popular SEO tool, Ahrefs offers keyword research, site audit, competitor analysis, backlink analysis, and more. Ahrefs lets you audit your own site for top keywords and performance, backlinks and anchor text, overall domain performance, and competitive domains.

Many users find the Ahrefs interface to be more simply designed and intuitive to navigate and use. It also provides robust domain data, including estimated domain traffic with the ability to view changes to a site’s performance over time.

Ahrefs will also show you keyword research data for ten search engines, not just Google. Like SEMrush, it lets you know how many backlinks you’ll need to build in order to rank well for selected keywords. Websites can use a free Webmaster tool’s version, or you can sign up for one of four paid plans.

3. Raven Tools

Raven Tools is a suite of SEO tools that includes site audit, keyword research, backlink analysis, rank tracking, and more. Users rank it especially highly for its keyword analysis and SERP (search engine results pages) rank tracking. Unlike some other alternatives on our list, it doesn’t offer a free version, but it does provide a free full-feature trial for seven days.

As part of its suite of tools, Raven Tools gives you access to SEO audits, on-page SEO analysis, SERP analytics, and page speed data. In addition, you can find tools for keyword tracking, backlinks tracking, and paid ad tools. With five paid plan levels from $50 to $480 a month, you can find the package that suits your business site’s needs.

4. Majestic SEO

Majestic SEO provides a backlink analysis tool that yields information on backlinks, anchor text, and referring domains. That’s the primary difference between Majestic and Moz. Whereas the latter site aims to provide a fully featured suite of SEO tools, Majestic is aimed at a narrower slice of the market. It does backlink analysis very well, however, including analysis of top incoming backlinks, tools to help you build more incoming links, comparison tools for your competitors’ domains, and other relevant metrics such as anchor texts and referring domains.

There are no free versions (and no free trial offers either, for that matter). Majestic SEO does offer three paid plans, which doesn’t provide as much choice as other sites we’ve profiled here. However, if you’re looking for help with your backlinks, it’s definitely one to consider.

5. Screaming Frog

Screaming Frog SEO Spider is a site crawler that helps you identify technical SEO issues on your site. It manually analyzes each page on your site for broken links, duplicate content, missing title tags, and much more. You can also connect it with your Google Analytics account to get the most out of the data your GA account generates for you.

Unlike many of the other Moz alternatives here, which operate on an SaaS web-based model, Screaming Frog is a desktop program for both PCs and Macs. It offers a free version and a single paid version that costs about $260 for a license that must be renewed yearly.

6. BrightLocal

BrightLocal provides a targeted set of tools that help you manage your local business listings, monitor customer reviews, and track your local search rankings. It’s a good choice if you’re looking primarily for local SEO and reputation management tools, with access to local SEO and Google business profile audit reports.

BrightLocal offers a two-week free trial with access to all features, as well as three paid levels to its all-in-one suite of tools. In addition, you can pay-as-you-go for access solely to its Citation Builder tools, starting at $2 per website, including submission to hundreds of sites, removing duplicate listings, and repairing errors in existing listings.

7. SpyFu

SpyFu is a competitive analysis tool that provides insights into your competitors’ SEO strategies, including their organic search rankings, paid search campaigns, and more. If you’re mostly in search of tools for competitor analysis, rank tracking, and domain comparison functionality, SpyFu is a good alternative to Moz Pro.

SpyFu offers both a free trial and a free version, as well as three paid versions that let you run customized monthly reports.

The Bottom Line

If you need a comprehensive set of SEO tools but Moz Pro is a little out of your price range, or more than what you need, there are lots of Moz alternatives you can choose from. Consider exactly what SEO needs your site is currently experiencing before you choose an alternative SEO tool to try. For example, if competitor analysis is more important to you, look at Ahrefs or SpyFu. If you’re more concerned about local SEO and SEM, consider BrightLocal.

Check for a trial period or a free plan in order to test out the interface and UX generally, since you’ll want to pick an option that feels intuitive to use and that you can navigate with relative ease. Make sure the plan you’re considering meets both your business needs and your budget. That’s the best way to make sure you’re using the right SEO tools for your business and website.

Published First on GRIT DAILY. Read Here.

Featured Image Credit: Photo by Oleksandr Pidvalnyi; Pexels; Thank you!

Continue Reading

Copyright © 2021 Seminole Press.