Identity: the new payment

Identity: the new payment

When you think about it, in-store card payments are de facto data payments already. A digital solution with personal data being used to complete the transaction. For retailers, the true value is in that very data. After all, the more you know about your customer, the...
How to pay: the War of Wallets

How to pay: the War of Wallets

Onlife consumers are starting to grasp that transferring personal data is part of the payment process. In exchange for their openness, they expect swift and simple payment methods. Wallets and apps are digital payment services accessible from any device. The wallet is...
How to pay: contactless payment

How to pay: contactless payment

Until recently, paying for and receiving your purchase happened at the same time. The risks for buyer and vendor were shared equally. In less than two decades’ time, technology has upended traditional payments completely. The Internet, has  shifted the risk  to either...
Platforms, physical stores and a new paradigm

Platforms, physical stores and a new paradigm

Shopping ecosystems and platforms like Amazon, Apple and Google inspire shoppers with new sophisticated technology to help them during selection. These tech companies have taken home shopping to the next level with their immensely popular smart home speaker devices...
How and where do onlife consumers shop?

How and where do onlife consumers shop?

As they decide what to buy, which goods and services, consumers have come to expect specific things of the retailer where the purchase will be made. Consumer deliberations in the selection stage of the customer journey can be defined by seven basic shopping needs:...
Comparison, research or impulse buys

Comparison, research or impulse buys

Selection is all about how and what we decide to buy, be that by rote, comparison, research or impulse.  When we buy routine items – food for instance – we don’t like spending time on deciding or comparing items. Other goods and services are worth a little more...