Friction in the Frictionless Journey

The following has been re-posted from Convenience Store Decisions. The original post can be found here. There is still so much that needs to be changed in the quest to eliminate friction in the customer experience and lessons to be learned that the c-store/petro industry should consider as it ventures...

Conexxus: Solve Forward Takeaways

The following has been re-posted from Convenience Store Decisions. The original post can be found here. It’s not that you had to be there, but you should have been there. The 2019 Conexxus Annual Conference, held April 28 to May 2 in Nashville, Tenn., was compelling, action-oriented, and a step...

Should You Bring Payments In-House?

Over the past 5-10 years, the retail payments ecosystem has become increasingly complex. New channels and payment tenders have continued to expand promising consumer usage growth and loyalty. Issuing banks have begun offering incentive programs for merchants to prioritize routing and avoid interchange fees. All the while, regulations tighten to...

Whitepaper: Data Privacy

From the Target and Home Depot breaches to Marriott's most recent breach weeks ago, data breaches are becoming a near-daily part of the standard news cycle. In response to the increasing concern over consumer data privacy, numerous government entities are evaluating and drafting consumer data privacy protection laws. The European...

The Challenges of Being a Marketing Professional

Being a marketer often feels like living in a Holiday Inn Express commercial.  An employee you’ve never seen before walks up to your desk and offers some advice: “I think you should make the logo bigger and use some glitter.” “I’m sorry, you don’t look familiar.  Are you new in...

The MYTH of getting robbed from your pocket via Contactless Payments

While navigating on social media, I found a video around contactless fraud. The video warns people to be protective of their wallets as he initiated a contactless transaction with another person who carried his wallet inside his back pocket (you can see the video here). Of course, a video like...

What does the Visa ban by a Kroger subsidiary mean for other merchants?

In response to ever increasing payment processing costs, a collection of 21 stores and five gas stations owned by a Kroger subsidiary in California have announced they will stop accepting Visa credit transactions on August 14th.  Kroger overall does have a strong relationship with Mastercard through a co-branded card program...

What’s Holding Up Contactless Payments in the US?

Contactless payments in the US have been lauded for years as the next consumer payment trend. Aside from a few very large retailers and transit use in cities like New York, Boston and Chicago, however, there are not many merchants that accept contactless payments in today’s market. This post will...

My Compliance Assessment Didn’t Go Well… Now What?

It’s a scary situation: after all the meetings, evidence gathering and reviews, the compliance assessment comes back with red flags. Regardless of the type of compliance assessment (PCI, SOX, SOC-2, etc.) the prospect of fines and/or business interruptions can put a dark cloud over any organization. So what do you...

Voice Assistants: A New Mobile Frontier for Merchants, Part II of II

In my previous article, we took a look at the rise in adoption of voice-activated personal assistants by consumers. This follow-up will examine the effect that the rise in voice assistant adoption will have on the merchant landscape. Voice-activated assistants, such as Amazon’s Alexa and Apple’s Siri, are allowing consumers...

Cashiering Enters the Mobile Age

The following has been re-posted from Convenience Store Decisions. The original article can be found here.   Hand-held devices aren’t just convenient; they are the secured cash registers of the future. By Ed Collupy Looking back, I always wanted the opportunity to checkout a customer using a brass cash register,...

Leveraging Payments to Enhance Your Business Model

The subscription-based business model offer clear advantages, and many merchants may be overlooking opportunities for their business to grow in this space. Companies like Netflix and Hulu naturally lean toward a subscription revenue model, but less obvious products have found their way into the subscription space as well. The Subscription-Based...

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