Predicting the future is a perilous exercise. You can go down in history for all the wrong reasons, like Thomas Watson, president of IBM, who proclaimed in 1943 “I think there is a world market for maybe five computers ..read more

Enhancing Security and Streamlining Transactions In today's digital commerce, online transactions are increasingly commonplace.The share of online purchases as a percentage of all euro area day-to-day transactions has increased significantly to stand at 17% in 2022, up from 6% in 2019 (source: The European Bank). This trend makes payment gateways essential for e-commerce platforms. To ensure the security and integrity of these transactions, businesses increasingly rely on tokenisation as a robust solution ..read more

In Chinese culture, numbers have always played a significant role, and it runs deep. Different numbers carry various meanings for Chinese people. These meanings are, therefore, significant for businesses, as they influence Chinese consumers' buying decisions. This article will introduce some numbers with special significance from which UK and European merchants can draw insights when planning promotional or pricing strategies ..read more

More than 80% of households in the UK alone are signed up for at least one subscription service. (Source: Whistl.co.uk ). In the US, the average consumer has four subscriptions (source: McKinsey ..read more

The super-app is a platform-based business model with numerous characteristics that could provide Fintech companies as well as merchants with a “playbook” on how to win over clients and customers and future-proof their business ..read more

The focus tends to be on large retailers when discussing payment offers and solutions. Multinational companies and businesses with a wide range and portfolio of customers have an annual turnover of millions of euros and, consequently, must offer and provide the most extensive variety of payment possibilities and options to their already large number of customers ..read more

With the continuous development of global e-commerce and the impact of the pandemic on physical stores, consumer shopping habits have been rapidly changing. As a result, the live-streaming shopping industry in China has experienced significant growth in recent years. In 2016, Chinese retail giant Taobao (Alibaba group) pioneered an innovative shopping approach by linking an e-store with an online live-stream broadcast, allowing customers to watch and shop simultaneously. This started the era of Live-streaming shopping, a shopping mode combining live video, real-time interaction, entertainmen ..read more

The Complexity of Cross-Border Payments Let’s start with a very simple explanation of something exceptionally complex: a cross-border payment is a financial transaction between parties* based in different countries at the time of the transaction ..read more

Generative AI Explainer As indicated by the name, this is Artificial Intelligence that generates. What GenAI produces is data, in the form of texts, images, audio, video etc. Examples include concepts like ChatGPT, and what anyone with a social media account cannot escape, Midjourney, which generates hyper-realistic imagery. This is probably the part of AI generating the most attention as the output is human-like creations like «art» and coherent text ..read more

Customer loyalty is generally a hard-earned reward. Offering excellence as far as product and support go represents the fundament. When developing, or delivering a financial service, the user experience needs to be front and centre ..read more