React Native SDK from CSG Forte
The World Advertising Research Center predicted that by 2025, 72% of all internet users will solely use smartphones to access the web.
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Your Voice Matters: How CSG Forte Acts on Customer Feedback
Here at CSG Forte, we believe that listening alone is not enough to be truly customer obsessed. We have to learn and respond from customer feedback to deliver the best experiences for our customers.
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What is WCAG and Why Does it Matter
Why should we talk about Web Content Accessibility Guidelines (WCAG)? The present and future of engagement are online and web based. With the growth of the metaverse, ongoing drive towards digital transformation and meteoric rise in online purchases, the ability to deliver a great digital experience has become table stakes.
Trend trackers have pointed out how much more important the web experience has become since the start of the pandemic. But for the more than 1 in 5 people with a disability, these experiences might come with caveats. Worldwide, more than 220 million people have a vision impairment of some sort and over 2 billion have a disability of some kind. What implications does this have for web design? Quite a lot!
History of WCAG
The need for a set of web content accessibility guidelines was recognized decades ago. We’ll explore what those standards are, but how have they evolved over time, and when did they first come together?
To find the origins of WCAG we have to go back to before the Y2K crisis. Back to the previous millennium. The year 1999. On May 5th of that year, the HTML-focused WCAG 1.0 helped shaped the standards for web accessibility and digital experience. In 2008, those rules got an update in the form of WCAG 2.0.
Where the original had focused on HTML, the new guidelines (and the 2018 WCAG 2.1) expressed a technology-agnostic approach to accessibility for “web content on desktops, laptops, tablets, and mobile devices.” The goal of WCAG overall has not changed from creating a more accessible web environment, but each update has given additional guidance on this critical topic.
What Does WCAG Require?
The standards set out in WCAG 2.1 cover four key factors for accessible design along with a series of conformance criteria to evaluate WCAG compliance. In particular, WCAG 2.1 indicates web content should be perceivable, operable, understandable, and robust. What do these mean?
1 Perceivable
“Information and user interface components must be presentable to users in ways they can perceive.”
If a user cannot see, hear, or otherwise interact with web content, it is not accessible to them. This means, for example, that non-text content should have transcripts, alt-text, or other features meant to enable screen reading. Perceivable design isn’t limited to text accessibility, but WCAG 2.1 has additional guidelines on creating more perceivable content.
Example: Thanks to labels for all text fields in the screens of CSG Forte Checkout, users can understand what information each field is meant to include, allowing them to complete the form.
2 Operable
“User interface components and navigation must be operable.”
If a user cannot interact with the interface or navigation as designed, then the content therein is not accessible to them. One way to address this is to ensure that all interfaces have keyboard-based alternatives to mouse-based operation. Other types of operability blocks exist, but WCAG 2.1 provides several ways to ensure operable accessibility.
Example: Thanks to correct contrast ratios and keyboard controls to the date picker tool in various CSG Forte offerings, users can input the date they want to pay their bill using only the keyboard.
3 Understandable
“Information and the operation of user interface must be understandable.”
If a user cannot understand the content or user interface, then it is not accessible to them. The most basic understandability feature is including language options and translation-friendly pages, but clear labeling and acronym explaining features are other techniques to make web content more understandable. Whatever web content you create, you want your readers and users to understand it. Following the WCAG guidelines makes this that much easier.
Example: Because CSG Forte error messages are described in text along with outlining for invalid input fields, users can parse error messages they might not otherwise understand.
4 Robust
“Content must be robust enough that it can be interpreted by a wide variety of user agents, including assistive technologies.
Where the other three factors are focused on making web content accessible to the user, the “robust” category of WCAG guidelines is focused on making content available to technologies used by those users. This means ensuring that pages are parse-friendly for text-to-speech and other technologies.
Accessibility Regulations
Where WCAG is a set of guidelines to create more accessible content online, there are other considerations for web content as well. The Americans with Disabilities Act (ADA) and Section 508 (508) contain standards for web accessibility. Unlike WCAG, ADA and 508 have legal ramifications.
Section 508
This regulation is meant to ensure that the federal government provides accessible services over all information technology communications channels. This extends from phone to web and beyond. Where WCAG provides wide reaching guidance on accessibility, 508 has specific requirements for federal offices and services. These include providing accessible computer, phone, and mobile services to employees and citizens.
Americans With Disabilities Act
ADA regulation is meant to prevent discrimination against Americans with disabilities by businesses, non-profits, and governments. While ADA regulations apply across more areas than web content, digital experiences should be made accessible as well. Although ADA has existed for over 30 years, many websites and digital products have no yet achieved ADA compliance.
OTHER READING: Did You Know CSG Forte is ADA Compliant?
Why WCAG Matters For Payments
With more than 2 billion disabled individuals around the world, creating an accessible experience isn’t just the right thing to do, it also means reaching a wider audience. Beyond compliance, accessible design allows consumers to do more online, including making purchases and using products.
For example, providing a secure way to validate payments inputs for blind customers can ensure that they enter the correct information. This then means that their transactions can processes correctly. Put in terms of WCAG 2.1, this means ensuring the input is perceivable by the user and that the validation option is operable for someone who cannot see.
As the world becomes ever more digital and with the continuing interest in the metaverse and other cross-platform digital content, being able to meet consumers, corporate clients, and users where they are will remain essential to business success. Providing accessible payment options does require a framework and WCAG provides a powerful starting point for better digital payments.
To learn more about how you can create exceptional accessible online payments, check out CSG Forte’s payment solutions.
4 Reasons You Need a Scalable Payment Platform
The best payment platforms are rigorously designed to include or address several specific factors, including security, speed, reliability and more. But although those features are important, one of the most integral factors for any payment platform isn’t any of those. And it’s probably not what you think it should be—it’s scalability.
What Is a Scalable Payment Platform?
What makes a platform scalable is its ability to handle oncoming work that grows and develops. Much like the advantages of offering flexibility, providing scalability allows users from either end of the platform to transform and change their businesses with the knowledge that the platform will adjust quickly to maneuver successfully through new challenges.
On the other hand, platforms that are not scalable will suffer. Static platforms fizzle and die, unable to keep up with the growing trends and industry challenges. Look, for example, at the mobile payments industry. The highly scalable applications like Starbucks find themselves responding quickly and adeptly to consumer wants and needs. Mobile pre-ordering, built-in rewards, music applications, and payments are all part of that ever-changing platform, and it doesn’t seem likely that will end soon.
On the other hand, a great number of other mobile applications didn’t meet ever-expanding customer demands or beat out competitor capabilities. Unable to accommodate user demands and requests, these platforms failed to drive forward. As a result, they lost users and sales. The platform dies.
Payments platforms are specifically sensitive to scalability because of the nature of the payments industry. With ever-expanding challenges and disruptions, platform creators are now required to do more than troubleshoot. They are almost asked to intuit the new big wave, creating solutions before problems occur.
But such is the life for any tech industry, including the financial technology (i.e., fintech) industry.
Why Your Business Needs a Scalable Payment Platform
Payment platforms that cannot scale risk losing users on either side of the platform. Here are four important why merchants and other users should consider scalability on their list when shopping for a payment platform:
1. Plan for Growth
As a merchant, your aim is for business to grow, not shrink. Your payment platform should be able to adjust with you. As you increase volume, you should be able to easily move into higher processing levels without much issue. Be sure that your processor can accommodate changes in volume and speak to them about potential contract savings, as well. Many processors offer discounts the more you process.
2. Expect High Functionality
The platform should not be disrupted no matter how little or how much you are processing. You should still be able to perform all of the functions you need regardless of your business size. There’s no reason any of the features you’ve been using at one level cannot translate to another.
3. Lower Risk During Business Fluctuations
Scalable platforms are more than just flexible. Because they can adapt, if you need to make changes because of a hardship or short-term change, a scalable system is going to help you adjust through this time. In lieu of terminating contracts or being forced to switch processors, which is a lengthy and arduous process, a scalable platform will allow you to tighten the reins momentarily without much cost.
4. Increased Opportunity for Newer Features
Scalable platforms are usually more likely to receive system updates and changes as trends come, which increases your opportunity to test out newer features as they are making waves. Static platforms are less inclined to update frequently and most likely will not adopt newer technologies. If you’re interested in the new and shiny, a scalable solution gives you a better opportunity, and it’s much easier to test out than transferring everything to an all-new system or processor.
Choose CSG Forte For Scalable Payment Solutions
Scalability is one of the most important features for payment platforms, landing high on the list for merchant shoppers. CSG Forte offers a scalable platform that adapts to changing business and takes both cards and eChecks. For more information, contact us.