{"id":12566,"date":"2018-09-04T11:44:11","date_gmt":"2018-09-04T11:44:11","guid":{"rendered":"https:\/\/projecthermes.wpengine.com\/back-to-school-tips-for-how-consumers-want-to-pay\/"},"modified":"2023-07-20T15:18:42","modified_gmt":"2023-07-20T19:18:42","slug":"back-to-school-tips-for-how-consumers-want-to-pay","status":"publish","type":"post","link":"https:\/\/innovation.interac.ca\/fr\/back-to-school-tips-for-how-consumers-want-to-pay\/","title":{"rendered":"Back to School Tips for How Consumers Want to Pay"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><section class=\"l-section wpb_row height_medium\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_flex valign_top type_default stacking_default\"><div class=\"vc_col-sm-12 wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>September is now upon us, bringing with it an annual rush of spending as parents and their children obtain fresh equipment and clothing for the school season as well as rebooting music lessons or participating in sports leagues. If they\u2019re to take full advantage of the phenomenon this year, businesses should be racing to be where their customers are already heading. Let\u2019s look at three \u201cplaces\u201d they\u2019re going.<\/p>\n<h2>New locations<\/h2>\n<p>Customers are in multiple places today, not just in the store. They\u2019re comparing notes on their wants and needs over social media. They\u2019re assessing solutions and products online, using professional and customer reviews, interactive comparison tools, and even web-based demonstrations involving interactive animations and virtual reality. They\u2019re \u201cshowrooming\u201d through stores to check out a piece of clothing physically, only to buy it later online (and for less).<\/p>\n<p>Some may see stores as \u201cpick up depots\u201d for e-commerce orders, others as high-touch advisory services that happen to sell products. And when they\u2019ve bought something they don\u2019t like, they have high expectations of being able to return it easily by mail or by dropping it off at any store in a chain.<\/p>\n<h2>New ways to pay<\/h2>\n<p><strong>Cash is declining and debit and credit cards now dominate at the points of sale, but even these physical means of payment are being gradually eclipsed by virtual forms.<\/strong> Mobile device-based digital wallets enable not just the convenience of \u201ctap and go\u201d at checkout terminals, but also integrate seamlessly with apps on the same device \u2013 allowing consumers to pay for items within a retailer\u2019s app with a single press of a button.<\/p>\n<p>Leading retailers are adopting roving or mobile checkout architectures, allowing sales people to accept payments from customers wherever in the store they may be \u2013 or even allowing customers themselves to pay wherever they find an item, and then walk away with it without going near a checkout line. When there\u2019s more than one customer, like at a restaurant meal with four friends \u2013 today\u2019s expectation is that everyone will be able to split the bill as they choose, and immediately, using whatever payment app is most convenient for them.<\/p>\n<h2>Better security<\/h2>\n<p>With all of this new flexibility and convenience comes the multiplication of potential points of weakness, and consumer worries about the vulnerability of their personal financial information and their digital identities are well-founded. Making a purchase should never involve hesitation or nervousness \u2013 so the payment industry has put significant efforts into securing information. Chip-and-PIN cards continue to secure customer data at the point of sale, and this security is emulated and improved upon through the \u201ctokenization\u201d of personal financial information on mobile devices (which replaces unique private information with randomized replacement numbers only useful for that transaction) and through cryptograms that prove a virtual payment card in a digital wallet is indeed authentic.<\/p>\n<p>If a merchant isn\u2019t fully ready to meet such customer expectations, sales will inevitably start to migrate from their stores to a competitor\u2019s. But catching up isn\u2019t as hard as it sounds. Many vendors \u2013 like Interac \u2013 have built offerings that are easy to implement and that bundle key requirements (like best-of-breed security) inside them. As the world moves faster, we\u2019re here to help merchants keep up. And keep winning.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n<\/div>","protected":false},"excerpt":{"rendered":"September is now upon us, bringing with it an annual rush of spending as parents and their children obtain fresh equipment and clothing for the school season as well as rebooting music lessons or participating in sports leagues. If they\u2019re to take full advantage of the phenomenon this year, businesses should be racing to be...","protected":false},"author":22,"featured_media":12083,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[163],"tags":[],"posts_format":[112],"class_list":["post-12566","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-paiements","posts_format-article-fr"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Innovation Hub - Back to School Tips for How Consumers Want to Pay<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/innovation.interac.ca\/fr\/back-to-school-tips-for-how-consumers-want-to-pay\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Back to School Tips for How Consumers Want to Pay\" \/>\n<meta property=\"og:url\" content=\"https:\/\/innovation.interac.ca\/fr\/back-to-school-tips-for-how-consumers-want-to-pay\/\" \/>\n<meta property=\"og:site_name\" content=\"Innovation Hub\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/interac\" \/>\n<meta property=\"article:published_time\" content=\"2018-09-04T11:44:11+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-07-20T19:18:42+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/innovation.interac.ca\/wp-content\/uploads\/2018\/09\/back_to_school-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"512\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Giovanna Fariello\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@interac\" \/>\n<meta name=\"twitter:site\" content=\"@interac\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Giovanna Fariello\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/innovation.interac.ca\/fr\/back-to-school-tips-for-how-consumers-want-to-pay\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/innovation.interac.ca\/fr\/back-to-school-tips-for-how-consumers-want-to-pay\/\"},\"author\":{\"name\":\"Giovanna Fariello\",\"@id\":\"https:\/\/innovation.interac.ca\/fr\/#\/schema\/person\/4ed3372d816d8c08f13f2a08fc5da2b3\"},\"headline\":\"Back to School Tips for How Consumers Want to Pay\",\"datePublished\":\"2018-09-04T11:44:11+00:00\",\"dateModified\":\"2023-07-20T19:18:42+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/innovation.interac.ca\/fr\/back-to-school-tips-for-how-consumers-want-to-pay\/\"},\"wordCount\":577,\"publisher\":{\"@id\":\"https:\/\/innovation.interac.ca\/fr\/#organization\"},\"image\":{\"@id\":\"https:\/\/innovation.interac.ca\/fr\/back-to-school-tips-for-how-consumers-want-to-pay\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/innovation.interac.ca\/wp-content\/uploads\/2018\/09\/back_to_school-1.png\",\"articleSection\":[\"Paiements\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/innovation.interac.ca\/fr\/back-to-school-tips-for-how-consumers-want-to-pay\/\",\"url\":\"https:\/\/innovation.interac.ca\/fr\/back-to-school-tips-for-how-consumers-want-to-pay\/\",\"name\":\"Back to School Tips for How Consumers Want to Pay - 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