At the center of every shopping experience is the payment process. The way that brands
connect their products and services to their customers, and in turn receive their payments, is
the foundation upon which shopping is built. Digital payments, both online and in-store, are
transforming that foundation.
80% of Americans are now shopping through online channels on at least a monthly basis, and digital payments have
become a primary stream of revenue for brands across all channels1. While offering digital payment options has the
potential to simplify life for customers and increase conversion rates, they are creating an additional layer of complexity
that is challenging to keep up with.
Between the expanding number of digital payment technologies, the increasing number of devices payments can be
completed on, and the continuous blurring of digital and physical buying experiences, it is critical to ensure payments will
be successful for every person on every device and in every location.
Consumers expect a seamless, high-quality experience in today’s mature app economy. They want brands to keep up with new technologies like geo-fencing and personalization, as well as the latest ecosystems like voice assistants and connected cars.
With this high bar for quality, QA organizations often struggle to keep up with:
1. Rapid Release Schedules
3. New Technologies (Voice, AI)
4. Geo-Awareness and Localization 5. Device Fragmentation
6. Unexpected Customer Use Cases
The cost of failure is high in QA. Time, money, and customer loyalty are all at risk when digital experiences don’t meet users’ high expectations.
Predictive IT is a powerful new approach that uses machine learning and artificial intelligence (AI) to predict incidents before they impact customers and end users. By using AI and predictive analytics, IT organizations are able to deliver seamless customer experiences that meet changing customer behavior and business demands. Discover the critical steps required to build your IT strategy, and learn how to harness predictive analytics to reduce operational inefficiencies and improve digital experiences.
Download this executive brief from CIO to learn:
5 steps to an effective predictive IT strategy
Where AI can help, and where it can’t
How to drive revenue and exceptional customer experiences with predictive analytics
Published By: Curalate
Published Date: Aug 16, 2017
Digital technology has completely
changed how we discover products, engage with brands and share our
experiences with others. Amazon revolutionized customer feedback
and product reviews. Social media transformed the way people share
word-of-mouth recommendations, connecting shoppers to off-the-cuff
opinions, compelling visual content and real-life experiences from peers
and influencers they follow and admire. Sure, TV, radio and print ads are
still part of the mix but they hardly carry the same weight as they did in
years passed. This statistic speaks volumes: 92% of consumers trust
peer recommendations over branded advertising. With the advent of
social media and digital technology, brands have a powerful new tool
at their disposal that brings word-of-mouth to the masses: usergenerated
How to move fast, delight customers, and continually innovate to thrive in today’s economy.
APIs are much more than system integration technology. They are strategic assets that give companies the ability to adapt to changing customer needs and build breakthrough digital experiences.
Google’s new eBook, The API Product Mindset, explains why leading companies now manage APIs as full-cycle products rather than one-time IT projects. Learn how to build a customer obsessed API team that delivers world-class developer experiences and ensures your APIs have enduring business value.
Read case studies about how AccuWeather and Pitney Bowes have transformed their businesses with an API product mindset and learn from technology leaders at Magazine Luiza, Telestra and West Corp.
? Learn why APIs are how business gets done in today’s economy
? Get tips to build APIs that developers will love
? Discover why a product mindset is critical to business acceleration
CTA: Download eBook
Welcome to the era of the digital enterprise, where digital is
your journey and cognitive is your destination. As business
leaders, you are under growing pressure to use information
to its fullest potential, delivering new customer experiences
as fuel for business growth. The digital economy is changing
the way we gather information, gain insights, reinvent our
businesses and innovate both quickly and iteratively
A hybrid cloud environment, combining traditional IT systems
and public cloud, enables you to extend business processes
beyond the walls of your organization. For example, many
organizations use public cloud as a collaborative development
environment to create innovative applications that can then be
ported to an on-premises or hybrid production environment.
Have you listened to your clothes lately? Lori Mitchell-Keller shares her point of view how the Digital Economy changes customers, competition, and the way to do business in Retail. Find out how Retailers that recognize the potential of digital technology in retail create infinite new opportunities and deliver new customer experiences.
As digital transformation accelerates, the opportunity to engage customers digitally has never been greater — but so has the threat of not delivering great customer experiences. In order for customer insights professionals to compete, the use of customer understanding to optimize experiences at scale must be at the heart of all digital transformation initiatives. Digital intelligence provides a vision and approach that captures a holistic view of the customer in order to optimize digital interactions, engagements, and experiences. During his talk James McCormick will describe the vision and need for digital intelligence; the approach needed to make it a strategic initiative, and ultimately, how it will provide a competitive advantage.
In this executive report, based on cumulative research over the past five years by the IBM Institute for Business Value we will explore how the emergence of digital technology, and the increasing willingness of consumers to use it, has disrupted the retail industry at virtually every level – from shoppers, to megastores, to digital to social media, and more. Further, we will provide recommendations that can enable retailers to position themselves to slice through this disruption and provide seamless, omnichannel customer experiences and conversations that can help build customer loyalty, create value and positively impact the bottom line.
Published By: Genesys
Published Date: Feb 27, 2018
Modern contact centers support a variety of digital channels—email, chat, co-browsing, social, video—over multiple digital touchpoints (web or mobile devices). What they lack is the ability to link interactions in a step-by-step journey to provide a personal, contextual experience for each customer.
Download this eBook. Learn how you can:
• Design a successful digital customer engagement strategy
• Provide agents with a 360-degree view of the customer across all digital channels and voice
• Deliver omnichannel experiences that are personalized, context-based, and low-effort
Published By: Sprinklr
Published Date: Feb 28, 2018
"Retail depends on social. Social depends on you. Learn best practices for building a better retail experience through social.
To help kick-start your planning, we've gathered our most popular retail content in ""Social Strategies for Retail."""
"When the CMO Council recently asked more than 200 senior marketing decision makers how effectively they have aligned physical and digital experiences, half admitted that these integrated experiences were selective, at best. Yet it is alignment, consistency and connection that drive the foundational relationship between the brand and the buyer.
The CMO Council, in partnership with IBM, will host a one-hour interactive webcast with industry-leading media, entertainment and telecommunications marketers to discuss how audience insights across the digital and physical experience have been turned into action, allowing these brands to personalize and enrich each engagement.
Multiple case studies will also be discussed during the webcast that focus on the power of segmentation and innovations around cognitive computing. Speakers include Liz Miller, Senior Vice President of Marketing for the CMO Council; Jody Sarno, Dedicated Client Partner, Communications Industry for IBM; Chris Crayner, Ch
Marketing and technology partners must collaborate as never before in order to delight and engage customers “in the moment.” Previously stove-piped functions are starting to work together to take a holistic approach to create great digital experiences at enterprise scale, but organizations see the need for more work to create relevant, integrated digital customer experiences in real time.IBM commissioned Forrester Consulting to discover how developers and marketers are working together to provide customers exceptional digital experiences reliably, quickly, and seamlessly.The study found that while the mandate to collaborate has been heard, there is still work to be done to move to the next level and put in place technology, processes, and culture to create digital customer experience in real time.
Thrill customers and empower employees with omni-channel, socially-infused digital experiences to drive better business outcomes
IBM Customer Experience Suite features rich, integrated capabilities for managing web content, rich-media assets, real-time social communications, robust customer self-service capabilities, business analytics and mobile device delivery
IBM Employee Experience Suite enables employees to easily find and share relevant information across multiple platforms, diverse geographies with multiple languages, and within the context of business applications
Organizations are looking to use DXPs as they move from web-centric to more pervasive, multichannel digital experiences. This Magic Quadrant will help those responsible for a range of customer-, employee- and partner-facing initiatives find the most suitable vendor for their needs.
Published By: SundaySky
Published Date: Mar 06, 2018
Card members at this consumer retail bank, enjoy a large variety of products and services. The bank offers standard banking transactions, credit cards, insurance, and investment products. After the 2008 financial crisis, the bank experienced a sharp decline in overall customer satisfaction, and also learned that its customers were more empowered than before.
In order to adapt, the bank adopted a customer-centric approach by introducting:
• A new customer motto: “Know me, value me, make it easy for me, and protect me”
• A new core initiative is to always teach digital first
• An understanding that customers are serviced on the digital channels they prefer to use
SundaySky SmartVideo enables the bank to take a strategic approach to enhancing the customer engagement process with personalized video experiences that welcome new card members and assist them in fully understanding how to get the most out of their new product.
Published By: Ingenico
Published Date: May 02, 2018
The time of mobile point of sale (mPOS) has arrived.
While the mission to adopt EMV has dominated the payments industry over the past few
years, many hotels, resorts and casinos are now focusing their efforts on rapid planning and
implementation of mPOS strategies. A number of emerging trends are driving this new focus,
including an emphasis on enhancing guest experiences and building brand loyalty by leveraging
digital and mobile technologies.
Innovative hotels, resorts and casinos are using these solutions to create entirely new guest
experiences that improve service speed and convenience while creating distinct competitive
advantages. mPOS is increasingly becoming a key part of the picture, providing unique
opportunities to improve guest service quality and engagement, create new efficiencies and cost
savings, and strengthen their brand.
This eBook will provide an overview of those opportunities, some key trends in the hotel
& lodging industry, and guide you through the key requirem
It’s probably no surprise to you that the financial services industry is changing rapidly. Digital technology is redefining the possibilities with automated processes, AI insights, customized experiences, new operating models and next-generation applications — yet global industry profits are stagnating. As the number of disruptors in the space rises, many banks are being asked to innovate while lowering structural costs and improving capital returns — and many traditional banks are falling behind.
Published By: MindTouch
Published Date: Mar 18, 2019
The recent groundswell around customer centrism and
knowledge management (KM) is no coincidence. Today’s
customer journey is far more expansive and layered. Customers,
conditioned by the vast availability of convenient digital
experiences, have come to prefer digital channels. And their
expectations are high.
Machine learning is proving its power across virtually every industry in ways that add actionable insight and efficiency. But one can look at the rise of this transformative paradigm with a more focused lens to see AI technologies as a business tool of the highest order, one that improves processes and inspires new models. AI, in other words, has a big role to play on the balance sheet.
Two leading brands in very different spaces — Capital One in financial services, John Deere in agriculture — are seeing efforts that stretch back decades come to fruition with the launch of cloud-based AI platforms. Capital One is developing digital products and experiences using machine learning to help millions of customers with their financial lives; John Deere’s Precision Agriculture solution helps farmers gain precise information about their machines and crops. In both instances, AI and a cloud platform combine to enable transformation.
Published By: Oracle OMC
Published Date: Nov 30, 2017
Oracle Marketing Cloud is an all-in-one solution that helps retail marketers develop direct relationships with customers through seamlessly orchestrated cross-channel digital experiences—online and offline—that facilitate and strengthen customer interactions across a constantly growing list of digital touchpoints.
The result is consistent, relevant, and contextual cross channel experiences efficiently orchestrated to customers wherever they are.
Published By: Oracle OMC
Published Date: Nov 30, 2017
Today’s consumers are demanding: they have become more unforgiving of a poor customer experience and expect interactions on their desktop and mobile devices to be responsive, intuitive,
and easy to use. Marketers understand that delivering the most relevant experience is the key to gaining continued satisfaction and loyalty from their digital consumers. Oftentimes, however, when it comes to marketing to consumers there are two dynamics. On one hand you have what consumers say they want out of a customer experience. On the other hand, there is what they actually receive. What they want are experiences that are personalized, contextually relevant, and consistent— regardless of online or offline channel or lifecycle stage. What they too often get, however, are experiences that are disconnected, not contextually relevant, and inconsistent across channels and lifecycle stages.
The exponential growth in digital channels has given rise to the importance of digital marketing. But digital marketing isn’t just about the channel, it’s the mechanism by which people are creating and sharing experiences; engaging not only with each other, but with companies they do business with.
With such high channel fragmentation, making strategic decisions on audience, con¬tent and platforms is critical. Marketers need the capability to define their market, build outstanding content, tailor messaging and provide that messaging in the right medium – quickly!
In only a few short years, technology and changing consumer behaviors have upended the retail landscape. The digital consumer has truly come of age and expects a rich palette of retail options, channels, and experiences that provide ever-increasing value and convenience. Disruption, meanwhile, is arising from new competitors enabled by fast-changing technology, threatening established incumbents as never before.
To set themselves apart, companies need to shift to an experience-first approach that keeps customers engaged as they move from device to store and back again. Read Moving Beyond Click and Mortar: 5 Steps to Experience Excellence to learn how you can blend digital and physical channels into a fully connected customer journey.
Read the guide to learn how top retailers:
Shift from channel-first to customer-first
Build unique experiences around their brand story
Differentiate their experiences with digital
Simply fill out the form to download the report.