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.

Payment Strategies for eCommerce Growth

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.

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Implementing Tokenization Is Simpler Than You Think

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.

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Perspective: Foreign Shopper Confusion and Dissatisfaction

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."

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Perspective: What Do Consumers Really Think About Debit Rewards? And What Can You Do About It?

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?

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