How embedded payments are changing the way we pay
There was a time when ride-share company Uber’s almost imperceptible app-based payments system was an outlier. Uber's payments process was one of the earliest forms of embedded payments, a concept that entails the streamlining of a checkout process so consumers...
Reimagining checkout: The future is check-in
E-commerce retailers often consider the checkout experience an afterthought. After all, the customer has already found the product and decided to buy. All retailers need to do is ensure the customer’s payment goes through smoothly, right? However, retailers...
Macro vs. Micro Conversions
Summary: Macro conversions are desired user actions that directly contribute to your business's primary goals. In contrast, micro conversions are user actions that precede macro conversions and occur more frequently. Product managers and digital marketing...
Embedded Finance’s Next Stop Is B2B Commerce
Wind the clock back just a few years, and online transactions were a disjointed experience. After filling a cart at a merchant’s site, upon checking out a user would be directed to another website to enter the same payment details. Cart abandonment inevitably...
Moving Past Wallets to Digital Identity Payment Credentials
Consumers want what they want, how they want it. Consequently, when it comes to payments and commerce, businesses that can adapt to their needs and offer convenient ways to pay are best positioned to win in the long run. Case in point: digital wallets. The...
High-Income Consumers Shop Online 40% More Than Low-Income
When it comes to retail’s digital transformation, consumers with cash to burn are leading the charge. By the Numbers The 2024 edition of PYMNTS Intelligence’s “How the World Does Digital” report drew from a survey of 67,000 consumers across 11 countries that...
3-D Secure Makes Payments Better for Merchants, Shoppers
Success in today’s hyper-connected digital landscape boils down to two things: security and convenience. And the success of digital payments and eCommerce in the 21st century also rests on those two pillars. “Digital commerce is booming, it’s a nonstop train …...
Retailers Embrace BNPL as Other Merchants Prove More Hesitant
With buy now, pay later (BNPL) plans becoming increasingly accepted across merchant sectors, retailers are proving to be the payment method’s biggest champion. A PYMNTS Intelligence report, “Merchants’ Evolving Perspective on the Value of Card-Linked Pay Later...
Checkboxes: Design Guidelines
Summary: Checkboxes allow users to select one, some, or none of items from a list. They can be used standalone, in checkbox lists, or nested checkbox lists. There are ample options for different kinds of fields when designing digital forms. Each serves a...