Ready to do your Christmas shopping? Being proactive has its advantages
Life | 11.19.2018
The countdown to Christmas has begun and, like every year, Black Friday –when brick-and-mortar and online retailers offer promotional sales to encourage spending– is the starting gun on the shopping period.
Black Friday falls on November 23rd this year. If you think that’s too early to start your Christmas shopping, I can’t imagine what you’d think about the Spanish Christmas lottery, which is held on December 22, launching ticket sales in June. That’s the definition of proactive!
If you missed our post about Black Friday, check it out to find out everything you need to know about this day, from its origins and meanings to when it’s celebrated.
There are several advantages to starting your Christmas shopping early: you save money with the sales, you save time avoiding lines, you can find exactly what you’re looking for, you can compare prices, you can postpone payments to make it easier on your budget, etc. And the fact that you can do it increasingly more easily from the comfort of your home or on your way to work is another point in favor of online shopping, Black Friday’s biggest attraction.
Undoubtedly, the shift towards a more digital customer has driven this type of sales initiative. This year, online sales are expected to reach €1.3 billion for just the weekend of November 23rd, a year-on-year growth of 13% compared to 2017.
Experts estimate that a third of European consumers shop on e-commerce sites, both from their mobile devices and PCs. And while PCs continue to represent more than half of visits, the trend of mobile shopping on smartphones continues to rise, currently standing at 43%.
The fact that the vast majority of offers and sales are increasingly focused on online commerce has much to do with the increase in these figures. To encourage shoppers to purchase via their website or app, many brands offer products, discounts and promotions exclusively online, and if shipping is free (as is often the case during the holiday shopping season), convenience makes shoppers choose online over brick-and-mortar stores.
For this reason, it’s important to keep in mind that planning and a cool head play an increasingly important role when it comes to Christmas shopping: consider all options, compare prices and make a plan in order to avoid unpleasant surprises.
And remember all the tips we posted on our blog last year for getting the most out of your holiday shopping; most importantly, don’t forget to be extra careful when it comes to the security of your debit and credit cards!
Need money for your Christmas purchases? Don’t forget that your online bank gives you the option to comfortably, conveniently and immediately postpone your credit card payment; no paperwork required, and you can choose between paying a percentage of your balanced and a fixed amount.
Information on the processing of personal data
In compliance with Law 15/2003 of 18 December on protection of personal data, the customer authorizes that the applicant’s personal data entered on this form will be incorporated into files owned and managed by MORA BANC GRUP, SA – MORA BANC, SAU (hereafter referred to as “MoraBanc”) to process the requested service and, if necessary, to comply with the contracts finally entered into, and also to ensure correct operational procedures.
The applicant expressly authorises MoraBanc to send him/her commercial and promotional communications for products and services and information on the Bank itself, social or other activities, in hardcopy by post or by electronic means (among others, short messages (SMS) to mobile phones, e-mail, etc.). This consent can always be withdrawn, without retroactive effect.
The fact of filling out this form implies that the applicant acknowledges that the information and personal data provided are true, accurate and correct; otherwise, MoraBanc declines all responsibility for the lack of truthfulness or correctness of the data.
The applicant authorises the data provided to be communicated or shared with third parties forming part of the MoraBanc business group, entities which are primarily active in the financial, insurance and service sectors. The applicant is considered as having been informed of this transfer of information by means of this clause. The applicant accepts that he/she may be sent information on any product or service marketed by these companies.
The data processing manager is MoraBanc. The applicant is hereby informed that the rights of access, rectification, suppression or opposition may be exercised in the terms established in current legislation.
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