Having just completed a merchant survey, Retail CMOs were quite clear with their top 3 companies they would spend time with to improve eCommerce (payment focus):
Continue readingGoogle Payments – Why they will Win – Globally
Reply
Tag Archives: ecommerce
eCommerce 2025 – Wallets, Share Shift, Conversion Rates and Key Segments
© Starpoint LLP, 2025. No part of this site, blog.starpointllp.com, may be reproduced or retransmitted, in whole or in part, in any manner without the permission of the copyright owner. Also, see our Legal/Disclaimer (this is a highly opinionated and partially informed blog).
My estimates for how US eCom market share will shift in next 3 yrs are at the end of this blog.
eCommerce is not a single monolithic market. There are many “segments” to optimize that vary by geography, retailer type, consumer device, customer type (guest vs loyal), transaction type (recurring vs new), ad type, payment type,…etc. A great source of this information is Monetate (highly recommend). For example, let’s look at conversion rates by industry, device and region.
Continue readingHow will eCom evolve in next 5 yrs
MRC Learnings – September 2023
Merchant Learnings
This week I was invited to speak at the Merchant Risk Council’s (MRC) – Santa Clara event. As a former banker, I never gave much throught to retailers. Fraud was something I worked to manage with Account Opening/KYC as a core focus because of the potential for regulatory hot water and NCLs as #2 because it drove reserves, profitability and investor scrutiny. Card transaction fraud was something we worked to keep under a threshold.
Real Time Payments in US – Strategic Shifts
Short Blog. I’ll expand on this next month.
As I’ve written about since September, and seen in yesterday’s press (WSJ), top US issuers are have created a new consortium with a first phase product centered on a white labeled SRC wallet. For investors, 100% of payment types in this wallet will be existing cards (no new retail payment network). Their partners are the key eCom gateways (Stripe, Square, Shopify, …etc).
Pay By Bank – Where does it work and why?
© Starpoint LLP, 2022. No part of this site, blog.starpointllp.com, may be reproduced in whole or in part in any manner without the permission of the copyright owner.
Friday I was a tad “let down” in the Sionic/TCH/MX release of Pay-by-Bank. Per my blog on Google/TCH launch and Google P2P I was anticipating something much bigger. To be clear I firmly believe that TCH is working on an “ApplePay Competitor”, which will entail TCH tokens inside of Google’s phone, but this will be 3-6 months out. Per the blogs above, I see neither pay-by-bank nor TCH Tokens in Google Pay as a threat to V/MA.
Today I thought I would drill down into “pay by bank”, the dynamics of why it works in some markets, and why I see little threat to V/MA in replacing core cards in eCom or at POS.