Merchant

It's not just new transaction rails, but the speed of innovation has increased, says Hangar 75's Ian Wilding.

User experience and efficiency matter. Consumers aren't going to do something more difficult just for the technology, says Computop's Jed Danbury.

The industry’s most effective relationships come when providers serve as collaborators and an extension of their clients to serve customers and work in tandem to address a range of challenges and grow their businesses together, says Paya's Chris Scappa.

Both consumers and merchants are realizing the permanent benefits, says Azoya USA's Franklin Chu.

At a time when it’s never been more important for small businesses like salons and spas to improve economics, scalability and control, fintech can provide a path to better margins, says Boulevard's Biju Nair.

To embrace social commerce, merchants should prioritize data privacy, communication of delivery timelines and a seamless checkout experience.

Given the transition's complexity, it's understandable if fuel retailers will not meet the April 17 deadline. But it's important not to be paralyzed by analysis, says Hughes Network Systems Jeff Bradbury.

One particular type of scheme, swapping, involves thieves stealing and replacing cards before the consumer is aware, says The ai Corporation's James Crawshaw.

Online ordering, outdoor pickup and digital shopping features are more than emergency workarounds, and merchants need to make them a regular part of their strategies, says Signifyd's Mike Cassidy.

The move toward a cashless economy in China reveals a boom in actionable data, says Azoya USA's Franklin Chu.

With this sudden and swift shift that is generating thousands more digital payment transactions per day than even just a few months ago, the opportunities for fraud are rising exponentially, says the FIDO Alliance's Andrew Shikiar.

Even before digital transactions took off as a result of the pandemic, chargebacks were becoming more common, says Chargehound's Pallavi Kuppa-Apte.

The pandemic changed consumer priorities quickly--and payment companies need to keep up since the trend is likely permanent, says Signifyd's Indy Guha.

Recurring transactions build relationships, are digitally friendly and can diversify product offerings, says Zuora's Michael Mansard.

Keeping up with new retail trends shouldn’t come at the cost of keeping personal information safe, says Bluefin's Ruston Miles.

Any failure by retailers to fully and effectively execute on all post-purchase business requirements and that promise will quickly turn to pain, says Inmar Ingellince's Ken Bays.

Mastercard and Visa's one-year delay is only a partial victory for retailers, who want the networks to have less power to set rates.

Humans have come to expect experiences that are simple, efficient, quick, error-free and secure, says Bottomline Technologies' Jessica Cheney.

The pandemic has brought new users to the technology, making a simpler experience more important, says Tappit's Jason Thomas.

Rakuten Inc. plans to raise 242 billion yen ($2.2 billion) by selling shares to investors including Tencent Holdings Ltd., Walmart Inc. and Japan Post Holdings Co., bankrolling expansions into AI, finance and mobile.