Marketing

Mobile payment initiatives have largely failed because they focus on changing transactions instead of changing the way consumers and merchants engage with each other, according to Carta Worldwide, which touts new tokens as a way to reverse that.

Transaction records reveal a lot about consumers that can go a long way toward building marketing campaigns that keeps them coming back.

Gen Z is coming fast on the heels of millennials. For e-commerce, payments and financial services, they have an even shorter attention span.

By collaborating with consumers' favorite products or retailers, loyalty programs can get an extra punch.

Lots of banks offer P-to-P and bill pay, but Fiserv's research suggests institutions can make improvements in making consumers aware.

An increasing number of shoppers use a mix of digital and in-store to research, shop and pay. Retailers must accommodate all three to stay relevant, according to Revel.