Why enhancing the in-store checkout and payment experience will help safeguard the merchant acquirer business model

February 24, 2017

These are challenging times for merchant acquirers. Fees have been under pressure for many years, but now with regulated levels of interchange and a requirement to disaggregate the merchant service charge into its component parts, there is nowhere left to hide. New competitors are emerging into this space, encouraged by the actions of legislative bodies in Europe and the US seeking the creation of a more open banking environment.

Spotlight

FRAME

FRAME is an American fashion brand renowned for its collections in denim, cotton, leather and cashmere. The company’s founders Erik Torstensson and Jens Grede strive to design a modern versatile wardrobe through signature denim fits, cotton shirting and coveted leather pieces.

OTHER WHITEPAPERS
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In the Era of Digital Technology, the Personal Touch Still Makes a Difference

whitePaper | January 13, 2020

The retail industry is in the midst of a digital revolution that’s redefining the shopping experience. Online, mobile and in-store technology solutions are easing and enhancing how we shop — and altering consumers’ buying behavior in unprecedented ways. Consumers are exposed to infinite shopping choices on the web, hence, the days of standardized marketing and merchandising are over.

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A white paper about: Consumer-driven logistics

whitePaper | February 5, 2020

The pace of digitalization is increasing rapidly, thus reinforcing consumer power. One key aspect of this is that logistics must be based on consumer needs, given that it constitutes a key part of the purchase process. Accommodating consumer preferences with regard to freedom of choice and convenience is therefore a missioncritical issue for e-retailers and conventional retailers who are looking to be successful.

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A guide to e-commerce Europe

whitePaper | December 25, 2019

With over 500 million consumers, the European market is worth exploring and this guide provides New Zealand companies with an overview of e-commerce in Europe. The European market is vast, with more than 300 online marketplaces competing for a share in its NZ$1 trillion-plus online retail market. In this guide we take you through the key trends and introduce you to the main players in Europe’s thriving digital marketplace.

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Choosing a New ERP-CRM Business Application

whitePaper | March 31, 2021

SMB and Mid-Market Businesses face many of the same issues seen in large enterprise corporations; however,they lack the same budgets and resources.

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Spring 2019 Small Business Owner Report

whitePaper | December 17, 2019

We are pleased to present the spring 2019 Bank of America Small Business Owner Report, a semiannual study that explores the perspectives, aspirations and concerns of small business owners around the country. This spring, entrepreneurs are reporting diminished confidence in the economy and growing concern for a variety of key economic issues, including health care costs, interest rates and the stock market.

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Accelerating Digital Payments in Latin America and the Caribbean

whitePaper | May 20, 2022

Payments provide access to financial services, empower trade and investment, and facilitate sustainable business growth. Importantly, digital payments level the playing field between large and small businesses. This is especially important for Latin America and the Caribbean (LAC), where micro-, small and medium-sized enterprises (MSMEs) make up the majority of business activity but where there is also a high degree of informality and exclusion from the formal financial system.

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Spotlight

FRAME

FRAME is an American fashion brand renowned for its collections in denim, cotton, leather and cashmere. The company’s founders Erik Torstensson and Jens Grede strive to design a modern versatile wardrobe through signature denim fits, cotton shirting and coveted leather pieces.

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