Industry insights blog

PSD2: the promise of the payment disrupter of 2018
02 Sep: PSD2: the promise of the payment disrupter of 2018

PSD2 creates opportunities for new bank consortiums and partnerships to form and it’s up to the key players to determine their roles and leverage these partnerships. 2018 is set to be a game-changer for retail banking in the EU. The Second Payment Services Directive (PSD2), which took effect on January 13th, has the potential to disrupt every aspect of the…

Mastercard cross-border volumes up 19 Percent
01 Sep: Mastercard cross-border volumes up 19 Percent

Mastercard results released on Thursday (July 26) showed growth in international transactions, where double-digit percentage gains outpaced other metrics such as gross dollar volumes, which also showed healthy growth.
All in, revenue growth was 20 percent in the quarter, which in part reflected the benefit of acquisitions and revenue recognition changes. Those factors gave four percentage points of tailwind to the…

5 Ways retailers can transform the shopping experience
31 Aug: 5 Ways retailers can transform the shopping experience

Shopping experiences continue to evolve, sometimes very rapidly. In the wake of repeated retail store closings and industry-changing acquisitions, such as Amazon buying Whole Foods, retailers must meet the challenge of the new environment by exploring opportunities to deliver outstanding product research and buying experiences. While some may fail to adapt, retail brands that persist will need to do a better…

What loyalty programs look like in a post-GDPR world
30 Aug: What loyalty programs look like in a post-GDPR world

In exchange for occasional perks such as discounts, exclusive brand access or advanced notice on sales, customers regularly and gladly surrender their personal information to luxury brands. In today’s data-led world, this information is like gold dust and the key to brand advocacy. But then the General Data Protection Regulation (GDPR) came into effect. On May 25, the European Union’s…

Amazon works its way deeper into customers’ lives
29 Aug: Amazon works its way deeper into customers’ lives

Dominance of low-margin ecommerce gives it an edge in high-margin ad sales
Amazon has a vision of the future and it is on display in a model home in Irvine, California.
Visitors can use the company’s Alexa voice assistant to turn on the lights, lower the shades, adjust the thermostat and tell them who is at the front door. They can watch television…

New Google Analytics settings reflect GDPR requirements
27 Aug: New Google Analytics settings reflect GDPR requirements

The E.U.’s General Data Protection Regulation becomes effective on May 25. Google and other data gathering services are protecting themselves by allowing users to control the data retained from customers and website visitors. Any public website worldwide is essentially subject to the GDPR, as the site likely has visitors from the E.U. Data Retention
Google Analytics recently enabled data retention controls for cookies and user…