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Next profits boosted by continued online growth in H1. Group profit before tax was up 2.7% for the period, after the retailer increased its profit forecasts earlier this year. Fashion retailer Next has recorded a 2.7% rise in profits for the 26 weeks to July 2019, aided by a 12.6% increase in online sales. Pre-tax profits for […]
How biometrics will be the future for online payments. Biometrical data is becoming an increasingly frequent way to log into phones and tablets, due to it being quick and unique to each person. What’s more, with the popularity of cashless payments exploding in the last couple of years thanks to contactless, a need for secure […]
Revolutionary trends in e-commerce. The convenience and effectiveness of e-commerce have made it a rapidly growing method of transaction globally. The constant technological advancements in online payments, coupled with developments in related areas such as financial technology (FinTech) have made it difficult to keep up with the latest trends. Staying up to date with the […]
Do you need Wi-Fi for a card reader to work? We are becoming an increasingly cashless society. More and more people are utilising contactless card payments, which means fewer people carrying around physical cash to spend in stores. Therefore, any business that does not cater to people wanting to pay with plastic is likely to […]
How payments provide the insight-driven backbone of personalisation across the retail journey. Due to the current rate of competition among businesses, retailers need to utilize every advantage available to them to help them gain and retain more customers. APEX, or the ‘after purchase emotional experience’, deals with how satisfied the customers are with the service […]
SCA Regulatory Update. Strong customer authentication (SCA) is a requirement of the EU Revised Directive on Payment Services (PSD2) on payment service providers within the European Economic Area. The SCA will take effect on 14 September 2019 and require that electronic payments are performed with multi-factor authentication, to increase the security of electronic payments. The […]
Contactless payments have seamlessly entered into the customer experience, and now most consumers are happy to pay contactless for items. In fact, customers will often opt to pay contactless for items that are under the £30 limit, rather than enter their pin. With over 50% of transactions being paid for by mediums other than cash, […]
How can tokenisation boost customer experience? Tokenisation is a great way to keep customers’ details safe, secure and PCI compliant while also boosting the customer experience by making the shopping process more accessible and personal. The Valitor APEX (After Payment Emotional Experience) Report illustrates the importance of payment method choice for consumers. Our research shows […]
What businesses need to know about PSD2. Coming into force on the 14th September 2019, the Strong Customer Authentication (SCA) rules, part of the second Payment Service Directive (PSD2), are designed to improve fraud prevention methods and make online card payments safer for customers and merchants. Businesses need to understand these changes and take appropriate action to […]
Retailers shouldn’t neglect the returns process. Contrary to popular belief, the retail experience does not end the moment a customer pays for a product. In fact, customers have very high expectations when it comes to returns, refunds and exchanges, and want the reassurance that a retailer still cares about them after they have parted with […]
