Whatever you think of him, Steve Jobs was excellent at product development. Consumer friendly, intuitive design was the at the core of every product he introduced. He felt that the user should be able to effectively use a device or software without being told or shown how, and he did this with devices and apps…
Category: PAYMENTS+
How Net Neutrality Affects Your E-commerce Business
What is Net Neutrality? Imagine that the websites you access most often suddenly begin to charge subscription fees. Some of these fees you may opt into— online news subscriptions, video streaming, etc. Other fees you may not even notice you are paying— the shoes you want become more expensive as Nike is coerced to pay…
Click & Mortar
The following has been re-posted from C-Store Decisions. The original article can be found here. Amazon’s Whole Foods acquisition shows brick-and-mortar and online retailing can help strengthen each other when brought together. By Ed Collupy With what seems like the click of the mouse, Amazon has made its entry into the physical retail store world…
What Happens When the Lights Go Out?
Background Driven by the high-profile data security breaches at global retail brands (Target, Michaels, etc.) over the past 10 years, directors across all retail verticals have elevated data security to a top priority of their organizations. As a result, maintaining the confidentiality and integrity of PCI, PII, and sensitive corporate data has become a primary…
ePOS Software Release Testing: How much is enough?
Recently, a customer asked me about the required level of testing to perform for a new build of ePOS software. My response was “It depends on what changes were made”. The response seemed to baffle some in the meeting because of the commonly held belief that every new software build requires a full round of…
Moving Forward With Payment Technology
The following has been re-posted from C-Store Decisions. The original article can be found here. As EMV implementation wraps up, retailers must consider where mobile payment solutions are headed. By Ed Collupy The baseball season is in full swing and I’m reminded as I continue to think about card payments in the petro/convenience store industry…
EMV Hopes - An Implementation Update
The following has been re-posted from C-Store Decisions. The original article can be found here. As retailers struggle with compliance, chargebacks from the liability shift have been larger than anyone in the industry anticipated. By Ed Collupy The implementation of EMV (Europay, Mastercard and Visa) chip card acceptance should be history for inside payment transactions…
Approaching Consumer-Facing Programs
“Do my consumers really want this? Will they use it?” This is one of the most fundamental questions any merchant must ask when venturing into a new consumer engagement or payment program. It is also a huge lesson to be learned from both the successes and failures from some of the recent entrants the retail…
Where Do Fraudsters Go?
There are undoubtedly hundreds of cybersecurity and fraudulent attacks being committed at this very moment. While merchants have invested time, resources, technology, and hundreds of millions of dollars to protect sensitive company and customer data, fraud continues to rise at an exponential rate. Fraud is Migrating While the U.S. continues enabling EMV technology to combat…
Store Data Deserves Protection Too
The following, written by W. Capra’s Ed Collupy, has been re-posted from C-Store Decisions. As c-store retailers implement enhanced inventory-management solutions, they should also consider doing more to secure inventory data. So much of the attention on data security in the last few years has been focused on payments and many companies throughout the convenience…
EMV: Stalled at the Pump
The convenience and fuel retailing industry is buzzing about the announcements from VISA, Mastercard, and American Express that they will delay most of the liability shift for automated fuel dispenser (AFD EMV chip card transactions by 3 years. Convenience store operators and gasoline retailers were preparing to meet the October 1, 2017 deadline, and were…
No Reward in Overturning Debit Reform
The following has been re-posted from Convenience Store Decisions. Swipe fees continue to eat away at retailer profits. The income banks gain when consumers use credit cards has increased by more than 50% since 2009, while debit card fees has increased at a slower rate. By Ed Collupy Front-page news is certainly an attention grabber.…