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What does the new Taco Bell Defy concept mean for Convenience?

This new Taco Bell concept should not be seen merely as a signal to other fast-food operators and Quick Service Restaurants (QSR) that change is coming; this is a sign to all who strive to offer quick, convenient, access to high quality food and drink that adaptation is required.  As a company, you don’t get…

How Your Competitors Inform Your Program Strategy

While too strong of a focus on the competition will not lead you closer to a winning program strategy, collecting competitive insights with purpose as part of your broader program strategy can enable new insights to help you serve your consumer base. These insights can solidify your understanding of table stakes, barriers to entry, and…

Now May Be the Time for a Resale Platform

Beyond the financial benefits, there are plenty of benefits associated with the RaaS model. From a branding perspective, when the merchant stamps the resale, it signals to the world that the product holds up through time and use. There’s also an ecological and reputational advantage to RaaS in that resale is both sustainable and eco-friendly.

Is a Payment Orchestration Layer right for your business?

If your business is looking to reduce friction for consumers at checkout, increase payment acceptance, optimize transaction routing, and innovate your payment architecture quickly as you add geographies, currencies, and additions to your payment flow, then a Payment Orchestration Layer is an obvious and necessary addition.

Is PINLess Debit Routing a fit for your payment ecosystem?

Utilizing PINLess debit to decrease cost of acceptance is certainly very enticing, but it also can be a very daunting undertaking.  For some merchants, PINLess debit may mean a full-scale change to POS, reconciliation, and acquirer/gateway message specification and configurations to support this transaction routing.

Easing the Burden of Data Privacy Compliance

Many organizations lack enough awareness of the data they collect to effectively tackle consumer privacy. In some cases, a data mapping exercise coupled with a third-party vendor assessment can be enough to uncover the detail needed to map the flow of consumer data into and out of a business. In others, fundamental change may be…

Leaping from Level 2 to Level 1 PCI Merchant Status? Here's how we can help.

For many merchants, PCI Compliance and related activities are a necessary annual pursuit that require additional work for resource strapped internal business units.  The looming complexities of PCI DSS 4.0, combined with transitioning to a Level 1 merchant, will likely leave many organizations in the lurch as they determine how to handle these increased responsibilities.

Convenience & Energy and the Growth of Subscription Services

Subscriptions are everywhere you look, including places where subscriptions haven’t traditionally been leveraged, such as fast-food chains and movie theaters. Convenience stores and energy retailers are no exception. There are many reasons for the growth of subscription services.

Should You Be Accepting Cryptocurrency?

As new currencies continue to emerge in the market, the questions that must always steer consumer engagement and technology roadmaps are: what is the impact on consumers who wish to transact for physical goods? What segment of the population are you missing if you don’t move to implement? And does this segment impact bottom line?

Can EMV 3DS 2.0 Benefit Your Organization?

EMV 3DS 2.0, the new standard, allows merchants to perform enhanced consumer authentication via means such as biometric verification or one-time SMS passcodes. Previously, all a fraudster would need to complete a Card-Not-Present transaction is a payment card and zip code. With EMV 3-D Secure pushing a one-time code to a consumer’s device, the fraudster…