PYMNTS

DECEMBER 3, 2019

Though commercial card innovation has recently hit an acceleration point, there is still plenty of room for progress. Power took one key friction point of the small business (SMB) credit card market to task. “Basics like credit card terms, and benefits and services, are the lowest-scoring factors in our study.

Cards 101

Cards Innovation Tools Study 101

PYMNTS

DECEMBER 30, 2016

This year has been big for retail — big on change, innovation and some surprises along the way. Consumers flocked to online and mobile commerce , robots rose in food and consumer goods , and brick-and-mortar stayed relevant with retail experimentation — pop – ups , flash sales , store-in-store and showrooms.

Retail 123

Retail Online Customer Experience Trends 123

PYMNTS

NOVEMBER 1, 2017

Most of those gains, however, were lost later in the day following Mastercard’s separate announcement of a potential regulatory fine from the European Commission over its inter-regional interchange fees. billion Mastercard and Maestro-branded cards worldwide. directly to their debit cards. per share, up from $1.08

Retail 112

Retail Cards Security Branding 112

PYMNTS

MARCH 12, 2020

Providers serving a wide array of businesses have access to more card or customer data than individual merchants, meaning they may be more able to flag individuals showing signs of fraudulent or unusual behavior. . Fraudsters can use fake IDs and stolen cards to place orders and quickly make off with items before retailers catch on.

Fraud 130

Fraud Analysis Regional Examples 130

PYMNTS

NOVEMBER 29, 2018

Rather than entering new payment information – including address and card details – users can easily enter Amazon account login info. “We’re delighted to offer Amazon Pay to our customers, as it is one of the most secure ways to pay for flights, as the user doesn’t have to re-enter their card details,” he said.

United States 168

United States Apple Retail Online 168

PYMNTS

NOVEMBER 8, 2018

With the launch, the retailer will expand its efforts to 106 new markets, Chain Store Age reported. The internet platform is also coming to regions of Asia and the Caribbean. The retailer plans to have curated collections for its merchandise, along with a visual tour offering called “stories.”

Online 129

Online Retail Branding Regional 129

PYMNTS

AUGUST 17, 2020

PREIT (Philadelphia Real Estate Investment Trust) is curating its first eCommerce offering in what it says is a unique avenue to engage consumers from a multi-retail perspective. In addition, the initiative offers shoppers the benefit of a mall’s collection of brands from the comfort of their home, particularly for time-strapped families.”.

Philadelphia 164

Philadelphia Regional United States Community 164

PYMNTS

NOVEMBER 28, 2018

“This partnership demonstrates our flexibility to work with Japanese and other international barcode payment providers while meeting an important consumer need in our region.”. This makes it unnecessary to set up a dedicated terminal and makes WeChat Pay services possible at all InComm retailers.

Payments 211

Payments Mobile Regional Retail 211

PYMNTS

AUGUST 13, 2018

13) that Jud Linville, CEO of global cards and consumer services, will leave the bank as part of executive reshuffling. David Chubak, head of global retail banking and mortgage, will be in charge of the global-branded cards and the consumer lending business, reported CNBC. Citigroup announced Monday (Aug. billion by 2020.

Cards 108

Cards Branding Regional Digital Banking 108

Celent Banking

MARCH 16, 2015

This last week the American Banker Retail Banking Conference 2015 was going on in Austin, TX. The retailer combines the in-store and app experience to enhance the customer buying process. A regional bank poll of millennials found that not one could name a community institution in their area.

Conference 100

Conference Retail Community Community Bank 100

PYMNTS

JANUARY 8, 2020

Tencent and UnionPay’s working together will enable multiple retailers to interface with a greater number of mobile payment apps without displaying multiple QR codes. Regional rival Alipay interacts with its customers with a similar, but not integrated software system. The collaboration also increases options for consumers.

Mobile 112

Mobile Payments Regional Software 112

PYMNTS

SEPTEMBER 13, 2018

Thanks in large part to Amazon ‘s global reach, the world is getting more connected and seemingly smaller with Souq , an online retail and marketplace website in Saudi Arabia, which announced the launch of the Amazon Global Store. The dedicated Amazon Global Store will be available both on the Souq website and via the mobile app.

Regional 111

Regional Branding Retail Resources 111

PYMNTS

MAY 29, 2019

Western Union has expanded its services into Thailand and launched a brand new international money transfer service in the region, the company said in a release. To use the service, customers can use a card or a bank account, or pay in person at a retail location. They can also use the Western Union mobile app.

Mobile 188

Mobile Regional Innovation Compliance 188

PYMNTS

MAY 4, 2018

Blue Apron is already working with Costco to sell meal kits that were specifically designed for the retailer in its locations in the Pacific Northwest and the San Francisco Bay area. Beyond Costco, Dickerson said it’s important for Blue Apron to have partners with national reach as well as partners that are “strong regional players.”

San Francisco 100

San Francisco Branding Retail Examples 100

PYMNTS

NOVEMBER 15, 2019

Goldman Denies Discriminatory Apple Card Practices, Says It Will Reassess Limits. Goldman Sachs has promised to reevaluate how credit limits are determined for Apple Card users after being accused of gender discrimination. The branding will reflect the financial institutions and not Google. Google Dives Into DDAs.

Google 139

Google Payments Apple cryptocurrency 139

PYMNTS

MAY 4, 2017

Brazil and Mexico — the total amount in cash payments for the region was $3 trillion in 2015, with weighted average cash use at 14 percent of GDP, with an estimated increase, annually, of 4 percent through 2020 in absolute dollars but a decline in percentage of GDP by 1.2 Turning to the Americas — defined as the U.S., do not accept cash.

ATM 192

ATM Millennials United States Study 192

PYMNTS

NOVEMBER 1, 2018

“Increased Allpoint and bank-branded transactions across many of our retailers drove 3 percent growth in our North America business, excluding the impact from 7-Eleven,” said Cardtronics CEO Edward H. According to a recent report, consumers there used their debit cards 13.2 Meanwhile, the U.K. now using them.

ATM 155

ATM Cards Operations Regional 155

PYMNTS

AUGUST 15, 2019

Automation promises many benefits in retail, including the potential to reduce costs and improve the customer experience. The July Automated Retail Tracker examines the latest cashierless efforts in retail and finds which are experiencing uptake and which may fall flat. Isn’t Only for Big Brands. it is just taking off.

San Francisco 128

San Francisco Retail Minnesota Regional 128

PYMNTS

OCTOBER 22, 2018

And New England isn’t the only place enjoying the autumn chill as it sets in — although we are perhaps enjoying it more colorfully with the region’s famed foliage. Gift Cards’ New Unfavorable Fans. In fact, they have favored brands, with iTunes and Google Play cards popular favorites.

Data 134

Data Fraud Cards Regulation 134

PYMNTS

JANUARY 14, 2019

Revenue from credit cards gained 1 percent, standing at $5.1 Drilling down into the consumer profile a bit, Citi said that in North America, total revenues from consumer banking in this region came to $5.2 billion, which was up 1 percent year on year, and where retail services , stripping out mortgage activity, was up 5 percent.

Mobile 108

Mobile America Branding Cards 108

PYMNTS

APRIL 15, 2019

To help build customer loyalty, eCommerce and brick-and-mortar retailers have a myriad of tools on hand: Cashiers can sign customers up for loyalty cards at brick-and-mortar stores, and eCommerce sites can send customers special offers and coupons by email. The machine also has a 21-inch screen that allows consumers to interact.

San Francisco 130

San Francisco Retail System New Jersey 130

PYMNTS

JUNE 8, 2018

Digital is making inroads but, as Fiserv noted, if brands (particularly credit card brands) want to move consumers out of the cash and even debit orbit, they need to start thinking outside the box when it comes to rewards. trillion : Consumer cash spend in the Asia-Pacific Region in 2016.

ATM 108

ATM Regional Branding Lending 108

PYMNTS

JANUARY 31, 2017

The number of Mastercard cards increased 6 percent in the Americas in 2015, which compares to a 4 percent increase for Visa, but Visa still holds the spot as the largest card scheme in the region, reported RBR. According to RBR’s Global Payment Cards Data and Forecasts to 2021 study, Visa had 43 percent of the 2.9

America 100

America Cards Maine Regional 100

PYMNTS

JULY 24, 2020

Creating secure, convenient experiences for sellers and buyers alike is critical to eCommerce marketplaces looking to serve the retail sectors’ new needs and to help platforms appeal to more users. The collaboration is expected to give Visa’s global merchant and card network access to M-Pesa’s financial services network.

Compliance 152

Compliance Report Payments Security 152

PYMNTS

JUNE 6, 2019

In a press release , LINE and Visa said the two companies plan to collaborate in different areas, including giving LINE’s 187 million monthly active users the ability to apply for a digital Visa card, and eventually other Visa cards, within the LINE App. The Visa co-brand program that currently serves 2.3

Fintech 148

Fintech Branding Regional blockchain 148

PYMNTS

JUNE 24, 2019

Razer, a gaming hardware company based in Singapore, has partnered with Visa to offer a prepaid card that will let the company’s 60 million users make payments all over the world, according to reports. The region is also the home to more than 213 million millennials.

Company 100

Company Online San Francisco Payments 100

CB Insights

OCTOBER 10, 2018

Startups targeting retail and commercial banking have been emerging globally, spurred by favorable tech regulations, an uptick in mobile adoption, and shifting customer demographics. This year in the US, JP Morgan launched mobile banking app Finn and Goldman Sachs’ retail banking arm Marcus crossed 1.5M Incumbents Play Catch-Up.

Retail 78

Retail Cards Millennials Mobile 78

PYMNTS

OCTOBER 15, 2019

“Excluding the gain on sale in the prior period, revenues increased 3%, primarily driven by an increase in cards revenues and improved deposit spreads,” Citigroup said in a statement. Card average loans for the bank increased by 2 percent year over year, while card purchase sales increased by 5 percent in the third quarter of 2019.

America 109

America Cards Regional Resources 109

PYMNTS

NOVEMBER 11, 2019

Early accounts seem to indicate that the just-launched Apple -branded credit card is finding its way into customers’ hands, and into heavy use. According to issuer Goldman Sachs , they have opened up about $10 billion in credit lines in just over month for the Apple Card. Of that $10 billion, Apple Card?

Apple 101

Apple Massachusetts Data Cards 101

PYMNTS

JANUARY 19, 2021

COVID has put pressure on brands to find solutions for their direct-to-consumer [D2C] strategy,” he said. With so many retail stores closing, they need to be able to provide a way to sell D2C wherever those consumers are online.”. And everyone, he said, wants to crack the Chinese market.

Branding 322

Branding Taxes Fraud Regulation 322

PYMNTS

OCTOBER 23, 2018

To capitalize on that aforementioned eCommerce growth in emerging markets and log sales in those regions, U.S. They must offer local payment methods — outside traditional card brands, such as Visa and Mastercard — that will help eCommerce cross-border efforts gain traction. merchants have all sorts of work cut out for them.

Payments 164

Payments Regional Online America 164

PYMNTS

NOVEMBER 11, 2016

Others referenced regional geotag text with which Snapchat allows users to overlay their photos. But there was no clear branding on any of them unless you were in on the reference. The army of Snapbots are debit card- and credit card-compatible, ready for a new type of Snapchat customer to fork over their payment.

Millennials 143

Millennials Video Retail Regional 143

PYMNTS

JANUARY 17, 2017

You’re a retailer, beset by the twin problems of brick-and-mortar and fickle U.S. Picture 625 million wallets, ready to open for the right retail experience. Many of these retailers, he said, did not perform as well as might have been expected on Black Friday or even Cyber Monday. consumer spending. as well.”. “If

Los Angeles 100

Los Angeles San Francisco America Retail 100

PYMNTS

AUGUST 14, 2020

The final phase is in regards to the Asia Pacific region. The companies are casting a broader net of collaborators, with the announcement that their Business Payments Network (BPN) is growing to include support for ACH and wire transactions in addition to card payments. 24 following multiple phases that started last fall.

Oklahoma 160

Oklahoma Google California United States 160

Celent Banking

JULY 13, 2016

As most people know, PSD2 has introduced new card multilateral interchange fee (MIF) limits in Europe. Debit card transactions across Europe have been capped at 0.2% of transaction value, while for credit cards, the limit is 0.3%. Furthermore, of nearly 100 milion debit cards issued in the UK, 97% carry Visa brand.

Regulation 100

Regulation Cards Regional Examples 100

PYMNTS

JULY 10, 2017

It’s not the card network’s first — or even second — such move in identifying and then investing in payments players that have built companies with a digital and/or mobile-first focus. Think payments, but not just card-based payments, since Klarna today is a pay-by-bank account model. And global. as a market entered as late as 2015.

Regional 100

Regional Mobile Cards Security 100

PYMNTS

MARCH 11, 2016

MPD CEO Karen Webster recently hosted a live digital discussion with Martin Schrimpff, Co-Founder of PayU , during which they addressed the necessity for a unique approach to payments in the region, and how to turn challenges into opportunities across the continent. What’s the difference between a revolving balance and a credit card?

America 100

America Payments Fraud Case Study 100