Insights
First Data synthesizes industry knowledge, real-world experience and potential opportunities into key insights. These Insights are as integral to the way we do business as our products and services. Change—specifically innovative, pioneering change—represents opportunity. Our experts offer points of view on various topics to help you navigate today's ever-changing technology and the future of payments.
Phil Levy
As the eCommerce channel continues to grow across geographies and vertical markets, it will soon represent more than 10 percent of total retail sales.
Continue Reading Payment Strategies for eCommerce Growth
Bruce Dragt and Rob McMillon
A surprisingly simple service-based approach makes implementing end-to-end encryption and tokenization in your payment environment simpler than you might think.
Continue Reading Implementing Tokenization Is Simpler Than You Think
Brian Frey
Trying to do my part to improve the state of the economy, I went to the mall to treat myself to some new clothing and jewelry. As I waited in line to pay for my purchase, a woman in front of me with limited knowledge of English asked me the cost of the item she had in hand. I thought that she couldn’t read the price ticket so I rattled off the price. She apologized and said she could read the tag but didn’t know if it was a "good price."
Continue Reading Perspective: Foreign Shopper Confusion and Dissatisfaction
Julie Bohn
Consumers are increasingly choosing debit over credit. Many members of Generation Y have always used debit cards–39 percent of Gen Yers use their card at least 15 times each month, according to Aité Group’s 2009 report Engaging GenY: Cultivating a New Generation of Banking Customers–and other consumers are making the transition as a way to re-structure how they control their spending.
Are you making that switch worth their while?
Continue Reading Perspective: What Do Consumers Really Think About Debit Rewards? And What Can You Do About It?
Paul Campbell
First Data shares insights into Increasing Revenue and Decreasing Cost at the Point of Sale: An International Perspective.
Continue Reading Increasing Revenue and Decreasing Cost at the Point of Sale: An International Perspective
RSA
Vantage Magazine, by RSA, discusses the underlying need for better protection of Protecting Personally Identifiable Information (PII).
Continue Reading Protecting Personally Identifiable Information
Don Davey
Both Collection Operations and Credit/Risk teams use the words "predictive analytics" but the groups clearly interpret their meaning very differently. I call this the Great Disconnect, as it seems to be universal across organizations -- creditors and agencies, large and small, sophisticated and unsophisticated -- and because it has had a profound impact on the use of analytics in collections.
Continue Reading Perspective: Understanding the Great Disconnect
Anne Howard
Holiday shopping season is upon us and it’s time to get your shopping lists together! Consumers will be preparing for holiday shopping while trying to stay on budget. Many struggle with finding the perfect gift that’s affordable, but still meaningful. Gift cards are the perfect solution.
Continue Reading Perspective: How to Make Gift Cards Special this Holiday Season
First Data Thought Leadership
Read First Data’s new success story to find out how Mish Farms deployed a customer loyalty program that is proving to be affordable, simple to manage, and popular with its customers.
Continue Reading Mish Farms Customer Loyalty Program
Souheil Badran
Setting up an international business or cross-border Web is a complex endeavor. Most successful merchants will say it’s worth the effort, but newcomers will face a few challenges.
Continue Reading Perspective: Challenges and Risks in Cross-Border eCommerce Expansion
First Data Thought Leadership
First Data shares their holiday gift card predictions in the 2009 Holiday Gift Card Forecast.
Continue Reading 2009 Holiday Gift Card Forecast
First Data Thought Leadership
First Data compiled Fraud and Security FAQ to help Merchants spot, reduce and handle suspected fraud.
Continue Reading Fraud/Security Frequently Asked Questions
