Google Credit Card Comparison

by rishil on February 24, 2010

Google Credit Card Comparison

Google Credit Card Comparison

Unless you have been out of the news over the last day or so, you probably have heard that Google has released a credit card comparison service.

Comparison Ads improves the ad experience on Google by letting users specify exactly what they’re looking for and helping them quickly compare relevant offers side by side. There are no long forms for users to fill in, and Comparison Ads will not send advertisers any personally identifiable user information (in fact, we don’t send any user information at all unless the user explicitly applies for an advertiser’s offer).

Basically run Credit Card related search queries and the chances are you will be served up the google service. Although not everyone could see them:

@patrickaltoft@rishil Have you seen it? I haven’t

While others so the results for decent generic keyphrases:

@erikau –  @patrickaltoft (@rishil) I get it showing for “compare credit cards”

What Do You Think?

Google Loan Comparision

Google Loan Comparision (ranking on G via Twitter :P )

Typically, I asked people what they thought on twitter…

The best response I had was via email from Stephen Murphy, who I assure you plays in this market quite heavily:

Google will be spying the credit card market as an opportunity to earn pay per lead revenue. For the past 12 months I have had Google account managers sending me information on how advertisers have pulled out of the space.

Client reaction has been that this is because of higher delinquency (missing payments for 2 consecutive months) and general concern about a lack of valuable customers within the market. Aggregators such as Moneysupermarket have really suffered because of this – with revenues impacted.

Stephen attributes the drop in profitability because of two types of credit card customers:

  • Customers such as transactors – people who buy their shopping on a credit card – but then pay it off immediately. These people continue to use their cards – but make little money for providers.
  • Customers such as revolving balance holders – make their minimum payments each month and maybe a little more. These customers are in the decline, because lending criteria for acceptance has tightened.

Stephen has promised to write a more detailed post, which I will link to from here in the next couple of days.

Affiliate Marketing Isnt Dead, But May Be Killed Off

Other interesting replies were based around thoughts that we should all be having – where is it going to stop?

@LeoFogarty@rishil just wondering if there are going be doing other comparisons outside financial products, I’m thinking more of the travel sector like carhire, flights etc

@jonoalderson@rishil Another step into their own affiliate network – property, power, mortgages, credit, mp3s. What’s next? Travel, maybe?

(By the way, Google has its OWN affiliate network, in case you didnt know).

Others took it to the hilarious extreme…

@rohanarora536@rishil google will start selling vegetables, fruits, grocery, shoes everything. Visit google store 1 destination for all your daily needs

oogle Product Search

Google Product Search

The more popular the different sources Google creates, the less sites traditionally supporting these services will perform. Which means people relying on them for core income streams need to think again.  For example, I no longer visit third party sites to get movie details – its all there in core search results – great for me, because it solve my problem without incurring an extra step, but bad for the guys who targeted that niche for ad revenue – because I am no longer an impression on their site to rely on.

Google is attacking content creators and affiliates from all fronts – ever come across Product Search? How soon will that become a complete product comparison engine? Its not exactly hard, considering that hundreds of affiliates rely on niche comparison sites for income. Google could wipe them all out with one blow (well maybe).

Time to Find a New Horse to Flog

The only advice I can give you, is to add on Rand Fishkin’s advice:

If Google sends 90% of your traffic, your business has real danger associated with it.

If your thin affiliate sites, comparision models and simple affiliate sites ranking because of SEO are your only income, you need to start planning to diversify or enhance your offerings. Most good affiliates I know are way ahead of the curve, but those newly stepping into the game, don’t come unprepared, because you, my friend are on googles hitlist.

Hey nothing is impossible, after all, google now has the go ahead to Buy or Sell energy!

Resources

  • Paul Carpenter does a comprison (excuse the pun, couldnt help it) with Moneysupermarket over at Dave Naylors blog.
  • Check out the Credit Card Comparison service from google yourself.

Social Content – Sharing and Responsibility

by rishil on February 20, 2010

With the explosion of social media and User generated Content, bloggers, reporters and businesses have access to a vast inventory of content for their production efforts. Take my site for example, most of the images are sourced free from Flickr – and I am not the only one using these. A large portion of the blogging community uses images from photo sharing websites such as Flickr and Picassa to spice up their posts.  But professional news media also make use of this content – last year during the #uksnow hash tag trending period, a bunch of us uploaded Snow pics to flickr. In fact, if you google UK Snow Photos, most News sites have a collection of user submitted UK Snow photos.  Pretty cool I think.

Problem? One of Copyright and Attribution

On the 5 – 6 January 2010 they (Independent) used the Flickr API to search for and display images of snow scenes in the UK – amongst those images displayed was one of mine which is clearly marked on Flickr as “all rights reserved”. They did not seek my permission for the use of my image. I am assuming they used the API without applying a filter on the licence type, this also means that other UK photographers may have had their copyrighted work used without permission; might be worth checking if you had any refers from the Independent on those days.

This was from a photographer who was annoyed at the use. The comments thread is over 250 long, and worth checking out. In the end, the Independednt ended paying out, for something that was a simple misunderstanding of the correct use of Socially Created content. Not only did they possibly alienate some of the UK Photographic Community, but created some negative press.

What Else Can Go Wrong?

Virgin Mobile Flickr Campaign

Virgin Mobile Flickr Campaign

Photo Credit: Ian Wilson

In 2007, Virgin created a really good campaign, “Are you With Us or What?“.  The campaign used Creative Commons photos from flickr to create a number of offline adverts as well as a full blown website (no longer operational). However, using flickr photos in a negative context can upset people, no matter what the license.  There are also other considerations such as model releases and age of the models to be considered, regardless of the copyright notices issued, as Virgin in Australia found out.

Am I Being Insulted?

Am I Being Insulted?

The above is a reaction by one of the models (underage) who realised that she was on one of the campaign boards. A massive Flickr conversation arose out of that one comment. Model release is not the responsibility of the photographer, but the user according to Dan Heller.

You photographed firemen from a street saving a baby’s life from a blazing fire, and sell it to the local newspaper for front-page coverage. Later, someone at the paper decides to use it in an ad to promote itself, and someone in the photograph objects to this, then you cannot be held responsible.

If you licensed an unreleased photograph of a person in a public place to a client that said they were going to use it in a school text book, but they use the image as part of their ad campaign for the company, then you are not responsible.

Dan keeps a very detailed section of his website on Model Release, usage and the Law.

Other Social Media Outlets

Social Voting sites such as reddit are full of breaking stories and interesting ideas / opinions coming to light daily. These only add to the plethora of fresh information available to the news researcher on a deadline or for a blogger with a writer’s block.

Redditor on CNN

Redditor on CNN

(via http://www.reddit.com/r/pics/comments/axe78/i_was_quoted_on_cnn/ )

Similarly, Twitter is another great place for journalists and bloggers to troll to find interesting quotes on the latest trending topics.  In fact, the BBC have taken a hardline, and told journalists that not using social media is not just an option for research. Interestingly, the 2009 BBC editorial guidelines do make a note of copyright:

Material from Social Media
7.4.8 Although material, especially pictures and videos, on third party social media and other websites where the public have ready access may be considered to have been placed in the public domain, re-use by the BBC will usually bring it to a much wider audience. We should consider the impact of our re-use, particularly when in connection with tragic or distressing events. There are also copyright considerations.

What these considerations are, arent mentioned. (side note, Econsultancy has a pretty good opinion piece on the whole BBC  / social media / reporting approach). I would like to really know what policies news media has in place for attribution for socially created content. Is it right to just rip it off just for reporting purposes? Maybe. I dont know. Am I happy for a tweet that was meant for just my followers to find its way into the press and then seen by millions? As a marketer probably. As an individual, I dont know. My tweets have been quoted by bloggers in the past, but I have always receive some sort of attribution, so I have never had a cause for concern.

Twitter Copyright

Twitter Copyright

The whole “are tweets copy protected” debate is maybe a pointelss one, but it’s content I work hard to create. (well sort of :P ) Is anyone allowed to come and rip it off? Some interesting questions and thoughts at canyoucopyrightatweet.com.  There is actually a way to issue a tweet license, as you can see from the image above – how legally binding that is, I dont know. See my Tweet Licence.

Of course the whole thing works the other way as well, with plenty of bloggers being sued left and right by big corporations for copyright violations. With respect to that, you may want to check out the EFF’s Blogger Rights page.

The Licences: Learn Them, Share Them

Creative Commons Licensing

Creative Commons Licensing

…each of the six main licenses offered when you choose to publish your work with a Creative Commons license. We have listed them starting with the most accommodating license type you can choose and ending with the most restrictive license type you can choose. Source: Creative Commons Licenses

Side Issues

If you are aware of the whole Autogenerated content and Black Hat industry, you will probably have come across blogs littered with youtube videos and flickr images.

Ideally, a CC license is supposed to be symbiotic. The licensor gives up certain rights to their work and the licensee, in exchange for use of the work, makes certain the original author gets due credit and is rewarded for his or her effort. Spam bloggers, however, approach the CC license in bad faith, taking as much as they can while giving as little as possible back. Source: Plagiarism Today

However, what most scrapers dont realise, is that there are / may be creative commons licenses embedded in RSS feeds, and not adhering to those could land you up in court.

Domain Research Plugins and Add-ons for Firefox

February 9, 2010

Domaining gets a pretty bad reputation. And I can understand why – you dont need to be a rocket scientist to figure out how dodgy some domainers are. But  on the other hand, buying and selling domains, speculating or testing keyword rich domains are part and parcel of the web.
If you are into Black Hat [...]

Read the full article →

SEO and HTML 5

February 1, 2010

All this Talk Of The iPad Is Driving Me Insane!
So what’s the big news of last week? Okay, I promise not to mention the iPad. Oops. Sorry. To be perfectly honest, I am looking forward to seeing the proposed product in practice, but may not actually buy one.  The huge reason for this is the [...]

Read the full article →

David Cameron, SEO

January 27, 2010

Made with the Awesome Generate your Own David Cameron Poster Campaign

Read the full article →

Seeding and Pushing your Blog Socially

January 26, 2010

I want to address something thatI learnt, and try to refine since I started this blog and the course of my two year affair with Twitter. What I am about to discuss is really the three orders of failure when writing for your social network crowd. If you are really looking for ways to kill [...]

Read the full article →

SEOBook Mahalo and Google

January 26, 2010

So those who havent seen the Black Hat Case Study by Aaron Wall should scoot over there right now.
But you should also see this post by Jason Calacanis.

Read the full article →

Small Business SEO: Search Engine Submission Scam

January 25, 2010

Dear Small Business Owner,
Ref: Paying for Search Engine Submission Service
I do not insist I am the worlds greatest SEO. However I do know a few things about helping small businesses. Note, I dont want your money, I want to save you some.
So lets get something right – you do NOT have to pay for Search [...]

Read the full article →

Microsoft SEO toolkit (and two other resources)

January 25, 2010

Well it seems that Search Engines are giving more and more prominence to helping people do better SEO. I haven’t (yet) personally tried the Microsoft tool kit, but it definitely qualifies as a good free resource. Especially for Small Businesses. To balance the equation, I have also linked below to the Google Guide to SEO, [...]

Read the full article →

Free Copy of Customers Now by David Szetela

January 25, 2010

David Szetela is pretty well known in the SEM field, and his free ebook is a great guide to advertising on the google content network. I highly recommend downloading it (free!) here:  “Profiting From the New Frontier of Content Based Internet Advertising”
Summary Profile on David Szetela:
Online Advertising expert David Szetela founded Clix Marketing in 2003, [...]

Read the full article →