Retailers

The maturation of e-commerce has ushered in an era of personalization at scale and growing customer demand for convenient, flexible shopping experiences, writes Will Walker, enterprise manager at Roadie.

There are subtle differences in Walmart's virtual currency project compared to Facebook's Libra, but these may be enough to avoid the regulatory firing squad that Facebook has endured.

Despite being compliant, market-specific deployments leave retailers facing a new set of compliance challenges when moving into new geographies, argues Arnaud Crouzet, VP of security and consulting at FIME.

Mall landlords accustomed to offering rent reductions to ailing retailers are mulling a new strategy to forestall the industry's collapse: positioning themselves as lenders to tenants struggling to stay afloat.

As technology advances, new terms are existing with older vocabulary, causing potential confusion that challenges user experience, says NvoicePay's Alyssa Callahan.

Managing compliance and breach risk make it harder to offer a good customer experience, but the cost of friction may be even higher, argues Bob Janacek, CEO of DataMotion.

Investors are making bets on checkout-free retail, a category that is just as challenging as it is innovative. But it's payment technology's race to the moon, a chance to seize a favorable position in the struggle to save retail.

Walmart has filed a patent application for a digital currency that, like Facebook's Libra, would be a stablecoin backed by traditional currencies. And it envisions a very specific use case where its coin could stand in for cash — or even for a bank account.

Younger consumers still like to go to the mall. Keeping them there requires a mix of easy payments, financing and shopping in multiple channels, says Nufar Segal, general manager of consumer financing for at Jifiti.

Most cloud storage systems have gaps that open the door to account takeover, API attacks and other threats, argues Pravin Kothari, founder and CEO of CipherCloud.