Oggi il mercato dell’ecommerce, ancora dominato dalle carte di pagamento, vede una crescita significativa di nuovi metodi che hanno lo scopo di servire nuovi bisogni dei clienti, partendo da specificità normative o culturali locali. Per i merchant che vendono cross-border, avere un’ampia offerta di pagamenti alternativi significa migliorare conversion e fatturato.
4. 4
IFRAME
Tramite questo servizio è possibile
controllare tutto il processo di
check-out, senza dover ricevere sui
propri sistemi i dati di carta
5. 5
TOKENIZATION
Per consentire acquisti one-click o
ricorrenti con vari metodi di
pagamento (es carte, paypal,
ApplePay), senza dover gestire o
storare i dati sensibili del
cliente
6. PAGAMENTI ALTERNATIVI
Le vendite cross-border sono in
grande crescita: nel 2017 l’export
è cresciuto del 16%, raggiungendo i
3,5 mld
6
Il mercato dei pagamenti è molto
polverizzato, accettare pagamenti
ritenuti “mainstream” non è più
sufficente
9. 9
PREVENZIONE FRODI: “Answers, Not Scores »
3D Secure risolve il problema delle frodi a spese della customer
experience
Con il 3D Secure l’esercente non ha
più la responsabilità delle frodi,
ma questo aggiunge frizione al
processo di check-out
La banca emittente ha l’ultima
parola e nessuno può appellarsi
10. 10
PREVENZIONE FRODI: “Answers, Not Scores »
La ricerca mostra come
il 3D secure causi una
riduzione della
conversion in molti
paesi chiave
Source: Edgar, Dunn & Company
11. PREVENZIONE FRODI: “Answers, Not
Scores »
11
Un caso:
GestPay guaranteed
Payment converte il
95% degli ordini
20% di ordini
recuperati rispetto
al 3D
Per la valutazione degli ordini valutiamo centinaia di data points e
modelli previsionali, l’obiettivo è quelli di aumentare l’approval
rate, rimuovendo le barriere (3D secure) e garantendo dalle dispute
Il 66% degli eCommerce shoppers riduce o addirittura smette di
comprare su un merchant che declinano erroneamente un ordine
12. 12
OMNI-CHANNEL
Le abitudini di acquisto dei consumatori stanno
cambiando profondamente
Conquistare la fedeltà dei clienti è la chiave
Le soluzioni Omnichannel stanno crescendo
Digital / “alternative” payments sono sempre più
importanti
“Without the Web,
physical sales would
fall by 25%; online
sales without physical
stores would lose 50%
of their business. It’s
a clear sign that the
two are heavily
intertwined”
“On a study of 46k
shoppers, omnichannel
customers spent an
average of 4% more on
every shopping
occasion in the store
and 10% more online
than single-channel
customers”
“In a recent survey, 56% of
respondents said they would
spend more money at
physical retail stores if
those locations enabled
shoppers to browse through
their merchandise online
first”
“Chinese tourists can now use
smartphones to pay for their
purchases at brick-and-mortar
stores in the US through its WeChat
Pay service. Chinese third-party
mobile payments surpassed $5tn in
value, in 2016”
Sources:
https://hbr.org/2017/01/a-study-of-46000-shoppers-shows-that-omnichannel-retailing-works
http://www.repubblica.it/economia/affari-e-finanza/2017/05/08/news/negozi_fisici_e_online_cade_il_muro_e_lintegrazione_fa_bene_agli_affari-164982259/
https://www.shopify.com/retail/119920451-consumers-are-showrooming-and-webrooming-your-business-heres-what-that-means-and-what-you-can-do-about-it
http://www.scmp.com/tech/china-tech/article/2093433/tencent-extends-wechat-pay-us-focus-chinese-tourists
Netcomm study results, 2017
“In Italy, 67% of traditional retail stores sell their products also online; almost a third of them already allows customers to go to the physical store and pick up items bought on the web shop”
La Repubblica
Sources:
https://hbr.org/2017/01/a-study-of-46000-shoppers-shows-that-omnichannel-retailing-works
http://www.repubblica.it/economia/affari-e-finanza/2017/05/08/news/negozi_fisici_e_online_cade_il_muro_e_lintegrazione_fa_bene_agli_affari-164982259/
https://www.shopify.com/retail/119920451-consumers-are-showrooming-and-webrooming-your-business-heres-what-that-means-and-what-you-can-do-about-it
http://www.scmp.com/tech/china-tech/article/2093433/tencent-extends-wechat-pay-us-focus-chinese-tourists
Netcomm study results, 2017
“In Italy, 67% of traditional retail stores sell their products also online; almost a third of them already allows customers to go to the physical store and pick up items bought on the web shop”
La Repubblica
Sources:
https://hbr.org/2017/01/a-study-of-46000-shoppers-shows-that-omnichannel-retailing-works
http://www.repubblica.it/economia/affari-e-finanza/2017/05/08/news/negozi_fisici_e_online_cade_il_muro_e_lintegrazione_fa_bene_agli_affari-164982259/
https://www.shopify.com/retail/119920451-consumers-are-showrooming-and-webrooming-your-business-heres-what-that-means-and-what-you-can-do-about-it
http://www.scmp.com/tech/china-tech/article/2093433/tencent-extends-wechat-pay-us-focus-chinese-tourists
Netcomm study results, 2017
“In Italy, 67% of traditional retail stores sell their products also online; almost a third of them already allows customers to go to the physical store and pick up items bought on the web shop”
La Repubblica
Sources:
https://hbr.org/2017/01/a-study-of-46000-shoppers-shows-that-omnichannel-retailing-works
http://www.repubblica.it/economia/affari-e-finanza/2017/05/08/news/negozi_fisici_e_online_cade_il_muro_e_lintegrazione_fa_bene_agli_affari-164982259/
https://www.shopify.com/retail/119920451-consumers-are-showrooming-and-webrooming-your-business-heres-what-that-means-and-what-you-can-do-about-it
http://www.scmp.com/tech/china-tech/article/2093433/tencent-extends-wechat-pay-us-focus-chinese-tourists
Netcomm study results, 2017
“In Italy, 67% of traditional retail stores sell their products also online; almost a third of them already allows customers to go to the physical store and pick up items bought on the web shop”
La Repubblica
Sources:
https://hbr.org/2017/01/a-study-of-46000-shoppers-shows-that-omnichannel-retailing-works
http://www.repubblica.it/economia/affari-e-finanza/2017/05/08/news/negozi_fisici_e_online_cade_il_muro_e_lintegrazione_fa_bene_agli_affari-164982259/
https://www.shopify.com/retail/119920451-consumers-are-showrooming-and-webrooming-your-business-heres-what-that-means-and-what-you-can-do-about-it
http://www.scmp.com/tech/china-tech/article/2093433/tencent-extends-wechat-pay-us-focus-chinese-tourists
Netcomm study results, 2017
“In Italy, 67% of traditional retail stores sell their products also online; almost a third of them already allows customers to go to the physical store and pick up items bought on the web shop”
La Repubblica
Sources:
https://hbr.org/2017/01/a-study-of-46000-shoppers-shows-that-omnichannel-retailing-works
http://www.repubblica.it/economia/affari-e-finanza/2017/05/08/news/negozi_fisici_e_online_cade_il_muro_e_lintegrazione_fa_bene_agli_affari-164982259/
https://www.shopify.com/retail/119920451-consumers-are-showrooming-and-webrooming-your-business-heres-what-that-means-and-what-you-can-do-about-it
http://www.scmp.com/tech/china-tech/article/2093433/tencent-extends-wechat-pay-us-focus-chinese-tourists
Netcomm study results, 2017
“In Italy, 67% of traditional retail stores sell their products also online; almost a third of them already allows customers to go to the physical store and pick up items bought on the web shop”
La Repubblica