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By Doug Smith
Executive Director, J.P. Morgan Merchant Services
By Paul Sammer
Vice President, J.P. Morgan
By Doug Smith , Paul Sammer
As the pandemic changed everything about daily life in the past year, merchants learned to pivot quickly. They developed and accelerated new ways to engage with consumers, who responded with enthusiasm. There are now more ways than ever to pay, a trend that will continue in 2021, as payments become increasingly seamless, embedded and contextual.
Key trends to drive yours payment strategy
1. Cashierless tech has arrived Checkout lines remain a major point of friction for brick and mortar retail. As cashierless technology continues to progress, retailers should be aware of the pace of innovation. 2021 may be the year cashierless stores start to bring seamless checkout experiences to consumers at scale.
2. Faster payments for consumers and businesses The speed at which services like Zelle enable people to send money to one another has merchants wanting in on the faster payments revolution. Businesses are increasingly expecting the ability to settle and fund transactions much more quickly.
3. From subscriptions to recurring relationships A few decades ago, recurring payments were the stuff of utility bills and car payments. In 2021, a wide range of consumer goods and services can be consumed on a recurring basis. And increasingly businesses are applying lessons from the subscription economy to create recurring customer relationships and enduring revenue streams.
4. Payments simplified Forward thinking merchants are also looking for ways to seamlessly link digital payments with their broader treasury objectives, and for ways to reduce the complexity in payments.
5. Relentless fraudsters The rapid shift of commerce to digital channels created substantial opportunity for fraudsters. Card testing in particular has been a challenge for merchants, especially during the recent holiday season. The best strategy to combat fraud is a multi-layered approach.
6. Key insights, big impacts In response to the surge in e-commerce caused by COVID-19, many merchants rushed to ensure they had robust online and omnichannel offerings. Now that they have the fundamentals down, 2021 will be about optimizing these sales channels.
7. Payments in context Contextual commerce is all about enabling on-demand customer experiences, in channels that we don’t typically associate with payments. The contextual payment facilitates commerce any time and any place.
8. Integrated payments It used to be that there was a clear line between financial services providers and merchants. This line is now blurring as providers offer integrated payments and banking for other companies. As a business you can now embed financial services and offer them to your own customers.
9. Customer-friendly seamless payments When the competition is just a click or tap away, any friction created by poorly designed or inefficient digital payment experiences can cost a merchant revenue and customer loyalty. In 2021, brands looking to optimize the customer experience should assess and benchmark their checkout and payment experiences.
10. What happens after Covid It’s been said that Covid compressed a decade’s worth of digital commerce innovation and adoption in less than a year. What’s less clear is the degree to which consumers have changed their behavior for the long-term.
Do you have an effective digital payment strategy?
Consumers want the ability to make transactions whenever and wherever they prefer – and to do so without worrying about fraud or other security threats. However, staying on the leading edge of payments can be resource-intensive for engineering and IT teams. J P. Morgan’s flexible payment APIs and scalable cloud platforms can help businesses maintain best-in-class capabilities without dedicating excessive resources to managing the complexity behind payments.
As a global provider of innovative payment and treasury solutions, J.P. Morgan is helping the world’s most successful brands accelerate digital transformation and enhance their ability to create and grow value.
For more insights, access our full Payment Trend Report
To learn more, please contact your J.P. Morgan representative.
Doug Smith
Executive Director, J.P. Morgan Merchant Services
Paul Sammer
Vice President, J.P. Morgan
Payments
J.P. Morgan at EuroFinance
Sep 14, 2023
Innovation, optimization and integration: at EuroFinance 2023, J.P. Morgan will be discussing how to navigate the new world of corporate treasury functions. Join our specialist speakers to explore how treasurers can become empowered to tackle new and complex challenges in order to add value – and resilience – to their organization.
Payments
J.P. Morgan adoption schedule of ISO 20022 messaging
Sep 13, 2023
As financial institutions continue to migrate towards the adoption of ISO 20022 messaging standards, J.P. Morgan has outlined when it will be able to receive and send specific messaging types through Swift's FINplus platform.
Payments
2023 M&A Holdback Escrow Study: Year-over-year trends and highlights
Sep 13, 2023
Gain a deeper understanding of M&A holdback escrows and how they are being used based on data from more than 2,600 transactions.
Payments
How to optimize working capital in accounts payable
Sep 12, 2023
By improving efficiency, accounts payable teams can play a key role in maximizing their organization’s working capital and overall efficiency.
Payments
J.P. Morgan at FINNOSUMMIT
Aug 28, 2023
AI, fintech and collaboration across the region: at FINNOSUMMIT 2023, J.P. Morgan will be discussing and demonstrating how payments can drive greater integration, collaboration and opportunity within your organization, anchoring new ways of doing business.
Payments
HCL Technologies Limited (HCL) maximized working capital with innovative global payments platform
Aug 25, 2023
HCL utilized a global Early Payment Program (EPP) to accelerate supplier payments and optimize working capital.
Payments
J.P. Morgan at Sibos
Aug 21, 2023
Enterprise-grade payments for financial institutions: at Sibos 2023, J.P. Morgan Payments will be discussing embedded banking, cross-border payments and smart finance. Robust enough to handle the needs of FIs of all sizes, we are uniquely positioned to create and scale your organization’s mission-critical payments infrastructure.
Payments
Strategies for Resiliency: Working Capital Index 2023
Aug 18, 2023
After a sharp revival in the global economy in 2021, 2022 was marked by geopolitical and economic disruptions. Companies need to make every dollar of capital count.
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