White Papers

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Omnichannel retail was one of the hottest topics of 2015. In a landscape of ubiquitous mobile Internet, consumers expect to shop or research at any time, from anywhere. With the introduction of more streamlined mPOS and mcommerce payments, shoppers have come to anticipate the same level of experience from one touch point to another.

Cross-border online shopping has existed for many years, despite hefty import duties, long delivery times and complicated return processes. Today, merchants are focused on improving this experience. Factors such as the growth of marketplaces, improved Internet speed and cleaner checkout processes have provoked a positive shift in cross-border ecommerce. Explosive use of mcommerce has led to a more connected consumer with an expectation for omnichannel experiences. Our annual white paper explores the business drivers and opportunities for online merchants to pursue a seamless international business.

M-commerce – shopping on a mobile device online – has seen steady growth over the past years, but unlike in Asia, using a mobile device for in-store payment – mPOS – has floundered in the West. But with a new focus on omnichannel experiences, we are sitting on the edge of a mobile payments revolution. mPOS is expected to grow by 1000 percent, with a majority share still coming from the Asia Pacific region, but a far higher percentage from Europe and US.

Step aside, Europe and the US. Last year, China surpassed the US in total ecommerce sales, giving rise to a new online global super-power. Driven by high levels of mobile penetration, it marks the dawn of an exciting era for Asian international business.

With growth slowing in established markets, merchants in the West are more frequently pursuing cross-border ecommerce to maintain their online business momentum. Our annual white paper explores the key international business drivers and opportunities for online merchants in emerging markets.

“Preparing Your Organization for Cross-border Ecommerce” explores the specific factors that online merchants should take into consideration when expanding globally. Whether selling online to developed countries or emerging markets, today’s online merchants are seeking out new markets for their products and services.

With a boom in global ecommerce, and widespread use of CNP (Card Not Present) payment methods, inevitably comes greater Internet payment security risk and fraud. Understandably, consumer concern surrounding data security and payment fraud is damaging the prosperity of the ecommerce market. In response to this, the European Forum on the Security of Retail Payments, known as the SecuRe Pay Forum, published a set of recommendations surrounding Internet payment security and fraud reduction. Innopay and Payvision have interpreted these recommendations in this white paper, with additional attention points. A supporting survey was also circulated to industry experts, to understand their stance on the subject.

Asian markets are economically and culturally extremely diverse, and Singapore and Malaysia are no exceptions. The two countries differ in their level of e-commerce adaption and their buying habits. This has led to a diverse e-commerce landscape. This report focused on the benefits offered by cross-border ecommerce in Singapore and Malaysia to ISOs, PSPs, Acquirers and their merchants around the world.

This Cross-Border eCommerce Report explores key business drivers & opportunities in emerging markets, by analyzing the results of a Global Survey, which CardNotPresent.com conducted in collaboration with Payvision, in the spring of 2013.

This e-identity report explores the crucial role Digital Identity Service Providers (DISP) play, in a fragmented e-identity market; an innovative, connecting role, very similar to that of international payment service providers in the secure global online payment landscape. The internet is a great business driver, while its relative anonymity poses risks, which need to be mitigated during the e-identification process.


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