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It is sometimes referred to as &quot;on-demand software&quot;, and was formerly referred to as &quot;software plus services&quot; by Microsoft.\r\n SaaS services is typically accessed by users using a thin client, e.g. via a web browser. SaaS software solutions has become a common delivery model for many business applications, including office software, messaging software, payroll processing software, DBMS software, management software, CAD software, development software, gamification, virtualization, accounting, collaboration, customer relationship management (CRM), Management Information Systems (MIS), enterprise resource planning (ERP), invoicing, human resource management (HRM), talent acquisition, learning management systems, content management (CM), Geographic Information Systems (GIS), and service desk management. SaaS has been incorporated into the strategy of nearly all leading enterprise software companies.\r\nSaaS applications are also known as <span style=\"font-weight: bold;\">Web-based software</span>, <span style=\"font-weight: bold;\">on-demand software</span> and<span style=\"font-weight: bold;\"> hosted software</span>.\r\nThe term &quot;Software as a Service&quot; (SaaS) is considered to be part of the nomenclature of cloud computing, along with Infrastructure as a Service (IaaS), Platform as a Service (PaaS), Desktop as a Service (DaaS),managed software as a service (MSaaS), mobile backend as a service (MBaaS), and information technology management as a service (ITMaaS).\r\nBecause SaaS is based on cloud computing it saves organizations from installing and running applications on their own systems. That eliminates or at least reduces the associated costs of hardware purchases and maintenance and of software and support. The initial setup cost for a SaaS application is also generally lower than it for equivalent enterprise software purchased via a site license.\r\nSometimes, the use of SaaS cloud software can also reduce the long-term costs of software licensing, though that depends on the pricing model for the individual SaaS offering and the enterprise’s usage patterns. In fact, it’s possible for SaaS to cost more than traditional software licenses. This is an area IT organizations should explore carefully.<br />SaaS also provides enterprises the flexibility inherent with cloud services: they can subscribe to a SaaS offering as needed rather than having to buy software licenses and install the software on a variety of computers. The savings can be substantial in the case of applications that require new hardware purchases to support the software.<br /><br /><br /><br />","materialsDescription":"<h1 class=\"align-center\"><span style=\"font-weight: normal;\">Who uses SaaS?</span></h1>\r\nIndustry analyst Forrester Research notes that SaaS adoption has so far been concentrated mostly in human resource management (HRM), customer relationship management (CRM), collaboration software (e.g., email), and procurement solutions, but is poised to widen. Today it’s possible to have a data warehouse in the cloud that you can access with business intelligence software running as a service and connect to your cloud-based ERP like NetSuite or Microsoft Dynamics.The dollar savings can run into the millions. And SaaS installations are often installed and working in a fraction of the time of on-premises deployments—some can be ready in hours. \r\nSales and marketing people are likely familiar with Salesforce.com, the leading SaaS CRM software, with millions of users across more than 100,000 customers. Sales is going SaaS too, with apps available to support sales in order management, compensation, quote production and configure, price, quoting, electronic signatures, contract management and more.\r\n<h1 class=\"align-center\"><span style=\"font-weight: normal;\">Why SaaS? Benefits of software as a service</span></h1>\r\n<ul><li><span style=\"font-weight: bold;\">Lower cost of entry</span>. With SaaS solution, you pay for what you need, without having to buy hardware to host your new applications. Instead of provisioning internal resources to install the software, the vendor provides APIs and performs much of the work to get their software working for you. The time to a working solution can drop from months in the traditional model to weeks, days or hours with the SaaS model. In some businesses, IT wants nothing to do with installing and running a sales app. In the case of funding software and its implementation, this can be a make-or-break issue for the sales and marketing budget, so the lower cost really makes the difference.</li></ul>\r\n\r\n<ul><li><span style=\"font-weight: bold;\">Reduced time to benefit/rapid prototyping</span>. In the SaaS model, the software application is already installed and configured. Users can provision the server for the cloud and quickly have the application ready for use. This cuts the time to benefit and allows for rapid demonstrations and prototyping. With many SaaS companies offering free trials, this means a painless proof of concept and discovery phase to prove the benefit to the organization. </li></ul>\r\n\r\n<ul><li><span style=\"font-weight: bold;\">Pay as you go</span>. SaaS business software gives you the benefit of predictable costs both for the subscription and to some extent, the administration. Even as you scale, you can have a clear idea of what your costs will be. This allows for much more accurate budgeting, especially as compared to the costs of internal IT to manage upgrades and address issues for an owned instance.</li></ul>\r\n\r\n<ul><li><span style=\"font-weight: bold;\">The SaaS vendor is responsible for upgrades, uptime and security</span>. Under the SaaS model, since the software is hosted by the vendor, they take on the responsibility for maintaining the software and upgrading it, ensuring that it is reliable and meeting agreed-upon service level agreements, and keeping the application and its data secure.&nbsp; While some IT people worry about Software as a Service security outside of the enterprise walls, the likely truth is that the vendor has a much higher level of security than the enterprise itself would provide. Many will have redundant instances in very secure data centers in multiple geographies.&nbsp; Also, the data is being automatically backed up by the vendor, providing additional security and peace of mind. Because of the data center hosting, you’re getting the added benefit of at least some disaster recovery. Lastly, the vendor manages these issues as part of their core competencies—let them.</li></ul>\r\n\r\n<ul><li><span style=\"font-weight: bold;\">Integration and scalability.</span> Most SaaS apps are designed to support some amount of customization for the way you do business. SaaS vendors create APIs to allow connections not only to internal applications like ERPs or CRMs but also to other SaaS providers. One of the terrific aspects of integration is that orders written in the field can be automatically sent to the ERP. Now a salesperson in the field can check inventory through the catalog, write the order in front of the customer for approval, send it and receive confirmation, all in minutes. And as you scale with a SaaS vendor, there’s no need to invest in server capacity and software licenses. </li></ul>\r\n\r\n<ul><li><span style=\"font-weight: bold;\">Work anywhere</span>. Since the software is hosted in the cloud and accessible over the internet, users can access it via mobile devices wherever they are connected. This includes checking customer order histories prior to a sales call, as well as having access to real time data and real time order taking with the customer.</li></ul>\r\n<p class=\"align-left\">&nbsp;</p>","iconURL":"https://old.roi4cio.com/fileadmin/user_upload/SaaS__1_.png","alias":"saas-software-as-a-service"},"860":{"id":860,"title":"Payment Security","description":" Our shopping habits have changed. eCommerce comes with many benefits, but there are also new possibilities for cybercriminals, who steal our personal and banking details. As a merchant, you need to do everything within your power to make your customers sure that the transactions on your website are secure. Customers usually can’t choose their own payment gateway, so it’s up to you to make the best choice.\r\nJust look at the major data breaches that have occurred in the last few years alone. Even brands such as Sony, Target, and T.J. Maxx are not immune to cybersecurity issues. It is important that your company is proactive about cybersecurity rather than waiting for a crisis before taking action.\r\nThe average consumer doesn’t even think about the whole process that takes place when he/she pays for items at an online store. It is also important to understand that in the payment process there are many players, not just you and the customer(s). There are also card brands, acquirers, and issuing banks or other companies. Therefore, It is crucial to have the whole process under control and reduce the risk at every point possible. Making yours and your customers’ data secure is one of the most important issues for your online business.\r\nCredit card payments are still the most common type of payments, but unfortunately with the growing number of online payments, there are also more fraudsters. Data thieves have a huge amount of knowledge on how new technologies work, so they are always looking for the vulnerable points of payment processing.\r\nIt’s not easy, and almost impossible, to eliminate fraud, but there are many ways to secure your data and prevent it from being stolen. To ensure that payment processing on your website is secure you must know about SSL, PCI, tokenization, 3D Secure, anti-fraud tools, and so on.","materialsDescription":" <span style=\"font-weight: bold;\">How do you provide secure online payments?</span>\r\nIt’s your responsibility to have the purchasing process under control and reduce the risk of fraud at every step of checkout. Data thieves’ knowledge of how new technologies work is impressive. For that reason reducing the vulnerable points of payment processing is a crucial part of every eCommerce business. You need to know the payment security solutions.\r\n<span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">SSL protocol</span></span>\r\nThe first thing you need to do for your payment security is ensuring that your website is secure. Are you using SSL protocol to encrypt information on your site?\r\nSSL certificates show your website is protected and will grow your online reputation as well. All information, such as credit card details and other sensitive data is protected. It also improves brand awareness and builds credibility with customers. The SSL is symbolized by a padlock icon in the URL bar and the web address begins with https. The SSL comes with many benefits for your online business, so make sure you’re using it to protect your customers well.\r\n<span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">PCI Compliance</span></span>\r\nYou’ve probably heard about PCI Compliance if you process payments on your website or looked into implementing online payments in the future. Payment Card Industry Data Security Standards (PCI DSS) tell merchants how sensitive data used in payments should be secured. It requires data encryption to provide payments without using real card data that’s visible while processing. Note that PCI guidelines also consider tokenization in the future version.\r\nDoing business should be based on trust and PCI compliance helps improve security. You need to do everything to decrease the risk of payment and data fraud that could damage your brand’s reputation.\r\n<span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">Tokenization</span></span>\r\nTokenization is the technology that makes it easier to improve payment security and provide a payment process without vulnerabilities. Tokenization makes customer authentication during the purchase possible without affecting the transaction’s security.\r\nIn short, a token is a random string of characters that replaces sensitive information, such as a 16-digit credit card number. The payment process involves sensitive data, so merchants need to understand where the vulnerabilities exist. With tokenization, the chances of a data breach are reduced. Even if a token number is stolen, it would be meaningless to the fraudsters.\r\n<span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">3D Secure</span></span>\r\nMoreover, considering a payment solution with 3D Secure helps prevent fraud in online credit and debit card transactions. It gives extra protection to transactions and comes with many benefits. 3D Secure creates a secure password for the shopper’s credit card. Every transaction is then verified with the password, which adds an additional layer of security. It can decrease the number of fraudulent transactions and boost your revenue.\r\n<span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">Address Verification Service</span></span>\r\nYou can also use an Address Verification Service, which requires customers to provide the billing address associated with their credit card. When the address on the card matches with the one in bank’s documents, the transaction will go through.\r\nMany companies have a problem determining the location and storage of their payment data, but 42% of companies claim that payment data is at the greatest risk when it is stored. A Global Study on the State of Payment Data Security shows that over 50% of organizations had a breach involving payment data within the past two years.\r\n<span style=\"font-weight: bold;\">How do you minimize the payment risk?</span>\r\nPayment risk is the risk of loss due to some “payment events”. Many companies, especially ones that handle a high volume of online payments, have been forced to drive their payment risk management strategies to avoid difficulties and harsh consequences. Keep in mind that every payment method involves risk and these could be fraud or operational risk (when the financial loss is due to human or technical errors).\r\nIt’s important to monitor your payments to predict the possibility of the risk. But, if you make a wrong decision, it could be costly. Sometimes it’s better to let a specialized company manage the payment risk on your behalf. You can also choose a payment gateway with fraud prevention tools to manage the risk.\r\nKnowing the risk helps you to reduce the likelihood it will occur. You need to consider what the potential threats are, how quickly it can be detected, and how much it could cost.","iconURL":"https://old.roi4cio.com/fileadmin/user_upload/secure-payment-icon.png","alias":"payment-security"}},"branches":"Information Technology","companySizes":"101 to 500 Employees","companyUrl":"http://www.accertify.com/","countryCodes":["AUS","GBR","JPN","MEX","USA"],"certifications":[],"isSeller":true,"isSupplier":true,"isVendor":true,"presenterCodeLng":"","seo":{"title":"Accertify","keywords":"","description":" Accertify was formed in 2007. Accertify mission is to help e-commerce merchants thrive. Today, the company is a wholly owned subsidiary of American Express and a leading provider of fraud prevention, chargeback management, and payment gateway solutions.<br />","og:title":"Accertify","og:description":" Accertify was formed in 2007. Accertify mission is to help e-commerce merchants thrive. 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