Merchant

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.

Data connectivity is key to adding products and addressing customers, says Flinks' Yves-Gabriel Leboeuf.

With so many personally and financially impacted by COVID-19, consumers have made it clear that the way customers pay for goods or services can no longer follow a one-size-fits-all approach, says eBay's Alyssa Cutright.

There's no overstating the impact the pandemic has had on travel, but there are innovative products that can help the recovery, says Nuvei's Yuval Ziv.

The retailer combines WeChat, digital checkout and coupons to reach a wider market, says Azoya's Franklin Chu.

The lack of federal legalization creates processing challenges, but there are emerging solutions, says Fincann's Nathaniel Gurien.

When bicycle purchases surged during the pandemic as people flocked to new outdoor activities, many bike dealers were frustrated by strained supply chains and tight access to capital.

The shift to digital is permanent, creating an opportunity to reassess long-term strategy, says Greynier Fuentes.