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Internet penetration in India has now attained its critical mass with over 24 million users hooked on to the web. This figure is likely to touch 57 million by 2007. Mobile penetration has virtually doubled in the past year with a growth of 90% and is estimated to grow by 40% in the current year. With over 33 million mobile users currently in the country, the web and mobile combine to form a set of most potent marketing weapons waiting to be exploited. All this at a time when media clutter and reduced advertising budgets have left many a corporate ruminating over the next big idea. The one component that can integrate the online consumer with the mobile is the Smartcard. What makes it a reality:
Every SIMCARD is a SMARTCARD. Smartcards can be a singular replacement for a wallet full of plastic cards. Unlike credit cards, they have a microprocessor on them. Hence they can be programmed to create interactive solutions, which means companies can execute multiple offers or run loyalty programs. The interactivity of the system will take care of dynamic responses and accordingly perform the desired task.
Smartcards will also plug the gap created by debit cards on online purchases and hence make B2C E-Commerce grow manifold without any of the existing security concerns.

Already, with mobile marketing, the approximate location of the consumer is known to his mobile service operator. Imagine traveling back home from work and as you pass by a shopping mall you get a special offer from the same store via SMS that reads "Purchase a CARTIER perfume within the next hour and get it at half the price." You park the vehicle at the nearest lot, enter the store, make the purchase and complete the transaction via the smartcard which is linked to your bank account and credit card. Your smartcard can store brownie points every time you fill your tank and also keep track of accumulated frequent flier miles.

South East Asian countries have actively deployed the usage of Smartcard as a prepaid mechanism that automates activities from travel to medical bill payments. The lack of infrastructure in India and logistical issues may prevent Smartcards from playing an active role in governance but for marketers there is no holding back.
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