Insights

We're constantly researching what's important to consumers and how businesses can put right pieces in place to make sure their consumers get what they want and need, whether it's through surveys, data analytics or other insights.

4 technologies

Video

02/11/2019

Tech That's Changing the World of Shopping

Where and how consumers shop is changing rapidly thanks to advances in technology. Four technologies, including biometrics, artificial intelligence, voice assistants and virtual and augmented reality, are changing the game for frictionless payments.

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The super power of the smart speaker

Video

01/07/2019

Voice Commerce: The Super Power of the Smart Speaker

From buying coffee on the quick, to splitting the dinner check with friends or even paying rent, today’s shoppers are discovering the convenience, security and speed of mobile utilities.

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digital DNA

Video

01/07/2019

The rise of digital DNA

What happens when shoppers ditch their wallets in favor of storing personal information digitally?

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The Speed of Commerce

Video

11/30/2018

Moving at the Speed of Commerce

The convergence of technologies such as voice assistants and smartphones, along with AI-powered data and privacy and security tools, is fueling faster, more integrated and more contextual shopping experiences. Executives from Synchrony and Amazon Pay

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AI is Radically Changing

Video

10/22/2018

AI is Radically Changing the Retail Landscape

Artificial intelligence is already changing the way we shop and buy from making credit decisions faster to allowing us to use our voices to buy products. Synchrony’s chief technology officer Greg Simpson offers insight into how AI technologies

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Building Connections

Video

09/19/2018

Building Connections with Gen Z

Building connections among Generation Z means thinking differently

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Shopping Anytime, Anywhere

Video

09/19/2018

Contextual Commerce: Shopping Anytime, Anywhere

Contextual commerce is making that our new reality.

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Drive customer loyalty

Video

08/06/2018

Driving Loyalty Through Personalized Shopping Experiences

Shoppers are more informed than ever before. Microsoft Global Retail Director Karen Garrette says data can help retailers create personalized experiences that build loyal relationships.

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The Right Data

Video

07/30/2018

The Right Data Can Help Target the Perfect Customer

New technologies are providing retailers with unprecedented amounts of customer data. The challenge, according to industry experts, is figuring out how to use it.

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Seamless Payments

Video

05/15/2018

Seamless Payments Help Retailers Put Customer Experience First

In the future, frictionless payments will simplify and streamline checkouts. State of Pay met with retail leaders to hear how the payment process, as shoppers know it, is disappearing.

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Diversity & Inclusion

Video

09/15/2017

Synchrony | Diversity & Inclusion

Synchrony's commitment and focus on diversity and inclusion across the organization.

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Customer Testimonials

Video

02/11/2015

Synchrony Financial: 2014 Customer Testimonials

Hear what customers have to say about the value of store credit & financing.

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The Perks of Saving

Video

12/17/2014

The Perks of Saving With Synchrony Bank

The Perks of Saving With Synchrony Bank

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Saving for retirement

Video

12/17/2014

Saving for retirement has never been easier, or safer | Synchrony Bank

Saving for retirement has never been easier, or safer | Synchrony Bank

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Save Your Way

Video

11/19/2014

Save Your Way | Synchrony Bank

Save Your Way | Synchrony Bank

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The Direct Approach to Banking

Video

11/13/2014

The Direct Approach to Banking | Synchrony Bank

The Direct Approach to Banking | Synchrony Bank

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Mobile Check Deposit

Video

10/17/2014

Mobile Check Deposit | Synchrony Bank

Mobile Check Deposit | Synchrony Bank

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Graduates and Interns

Video

10/01/2014

Synchrony Financial - Graduates and Interns

Engage with what makes you tick. Get started with us

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Five Retail Trends to Watch

WhitePaper

03/18/2019

The Synchrony Trend Spotter

The transformation in retail is driven mainly by technology and artificial intelligence. Read on to discover five top trends that are changing the way people shop—now and into the future.

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AI-powered technologies

WhitePaper

03/04/2019

Shopping for AI

Our survey findings show that retailers are making meaningful strides in their digital transformation efforts, with AI-powered technologies an increasing focus.

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Social Media and Its Impact

WhitePaper

11/30/2018

Social Media and Its Impact on Retail

Overview—Key Findings

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Emerging Technologies

WhitePaper

11/28/2018

5 Emerging Technologies Impacting Retail

Overview—Key Findings

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Customer Experience

WhitePaper

10/23/2018

Harnessing AI to Transform the Customer Experience

Synchrony is using machine learning models and artificial intelligence (AI) technology to help customers get easier access to credit, provide personalized, real-time responses to customer questions, and to equip representatives and credit experts with too

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Generation Z

WhitePaper

08/03/2018

Understanding Generation Z: An Overview

Insights on their behavior

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Shopping and Retail Habits

WhitePaper

08/02/2018

Understanding Generation Z: Shopping and Retail Habits

Insights on their spending patterns

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Finances and future

WhitePaper

08/01/2018

Understanding Generation Z: Outlook on Finances and Future

Insights on their financial knowledge

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Retailer mobile apps

WhitePaper

07/01/2018

Retail Consumers Adopt New Technology

The 2018 Synchrony Digital Study uncovers the evolving landscape of digital shopping and payments.

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Data and Technology

WhitePaper

06/01/2018

Harnessing Data and Technology

As retail competition increases, the need to provide an outstanding customer experience (CX) does too.

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G-Commerce

WhitePaper

05/01/2018

Synchrony and Loop Commerce - Unwrapping G-Commerce

Together, Synchrony and Loop Commerce deliver new and compelling consumer experiences at every touchpoint.

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Women in Retail Leadership

WhitePaper

03/28/2018

Synchrony at Women in Retail Leadership Summit 2018

Join us in Salon 4 to experience the Synchrony Lounge and State of Pay Studio at the Women in Retail Leadership Summit.

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Shoptalk 2018

WhitePaper

03/14/2018

Synchrony at Shoptalk 2018

The Synchrony Trend Spotter Five Retail Trends to Watch in 2018

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Trend Spotter

WhitePaper

03/01/2018

The Synchrony Trend Spotter

Five Retail Trends to Watch in 2018

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Join Us at CRMC

WhitePaper

02/21/2018

Synchrony at CRMC 2018

Looking for more insights beyond CRMC? Synchrony is proud to share key trends in loyalty and retail that are influencing today's customer experience.

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5 Steps

WhitePaper

01/05/2018

5 Steps to Creating a Strong Value Proposition

Creating a Strong Value Proposition

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Defining Loyalty

WhitePaper

01/02/2018

Defining Loyalty for Your Brand

Loyalty is the result of timely and relevant engagement with consumers that drives them to become advocates for a brand and to consciously select one brand over another.

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A Working Forward Story

WhitePaper

12/05/2017

A Working Forward Story: Malia

This is Malia's story:

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Major Purchases

WhitePaper

10/10/2017

Sixth Annual Path to Major Purchases

The consumer's path to big-ticket purchases

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Retail Apps

WhitePaper

10/05/2017

Retail Apps: Why Consumers Download, Use, and Delete

Retail App Engagement—why shoppers download, use or delete apps?

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Small Business Award

WhitePaper

09/25/2017

The Path to a Healthier Community: Bryson City Bicycles

The Path to a Healthier Community

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Machine Learning

WhitePaper

08/10/2017

Machine Learning for Retailers

Driving Results with Artificial Intelligence Tools

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Country Stitches

WhitePaper

04/21/2017

A Patchwork of Ambition at Country Stitches

A Patchwork of Ambition at Country Stitches

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The Future of Retail

WhitePaper

03/15/2017

The Future of Retail

Insight and Influences Shaping Retail Innovation

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Retail trends to watch

WhitePaper

02/15/2017

The Synchrony Trend Spotter: Retail Trends to Watch

Retail Trends to Watch

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Design the perfect retail

WhitePaper

02/10/2017

How to design the perfect retail customer experience

Today’s consumers demand custom experiences as part of their everyday lives — especially when shopping.

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Technology in Retail

WhitePaper

01/25/2017

The Essential Guide to Technology in Retail

Developments and insights in retail and payments technology

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Mobile wallets

WhitePaper

01/17/2017

What your business should know about mobile wallets

What your business should know about mobile wallets

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Fifth Annual Major Purchase

WhitePaper

01/13/2017

Fifth Annual Major Purchase Consumer Study

Consumer Study| Insights

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Working Forward Small Business Award

WhitePaper

01/05/2017

Congratulations to the 'Working Forward Small Business Award' Winners!

Strong, healthy small businesses can have a big impact on the communities they serve.

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The Diversity Card

WhitePaper

10/28/2016

The Diversity Card: How to Sponsor and Create Networks for Future Leaders

This commentary originally appeared in Forbes on October 6, 2016

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A Snapshot for Retailers

WhitePaper

10/25/2016

Retail Technology: A Snapshot for Retailers

In-store technology and its implications for retailers and shoppers

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Synchrony Financial Digital Study

WhitePaper

10/20/2016

Driving Shopper Engagement through Digital Technology

The sixth annual Synchrony Financial Digital Study

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Smaller Roles

WhitePaper

10/14/2016

How Smaller Roles Can Get You to the C-Suite

There isn’t one way to get to the top

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Mobile Wallets

WhitePaper

09/26/2016

How Mobile Wallets Can Make Your Life Easier

How Mobile Wallets Can Make Your Life Easier

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The Affluent Shopper

WhitePaper

09/15/2016

The Affluent Household: A Segment on the Rise

Insights on this key, fast growing consumer segment

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The Value of Consumer Financing

WhitePaper

09/12/2016

The Value of Consumer Financing

The Value of Consumer Financing

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Brick and Mortar Reborn

WhitePaper

08/16/2016

Brick and Mortar Reborn

Brick-and-Mortar Reborn: The Future of Retail in the Era of Urbanization

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The Synchrony Trendspotter

WhitePaper

07/26/2016

The Synchrony Trendspotter

5 Retail Trends to Watch

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Digital vs. Human Touch

WhitePaper

07/05/2016

Why We Need to Balance the Digital vs. Human Touch

Digital vs. Human Touch

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Working Forward

WhitePaper

06/30/2016

What Are You Working Forward To? The Changing Definition of Ambition

The Huffington Post

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Time to Play the Woman Card

WhitePaper

06/27/2016

Time to Play the Woman Card in Financial Technology

Time to Play the Woman Card in Financial Technology

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Data Visualization

WhitePaper

06/20/2016

Data Visualization

Translating data into actionable insights for retailers

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Smarter Shopper

WhitePaper

06/15/2016

A Day in the Life of a Smarter Shopper

A Day in the Life of a Smarter Shopper

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A 10x Future Demands Change

WhitePaper

06/13/2016

A 10x Future Demands Change

A 10x Future Demands Change

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A Split Screen

WhitePaper

05/25/2016

A Split Screen

Online Information and a Human Touch

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Driving Innovation with Your Teams

WhitePaper

05/20/2016

Driving Innovation with Your Teams

Driving Innovation with Your Teams

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Exciting Encore Career

WhitePaper

05/10/2016

Turning a Passion for Travel into an Exciting Encore Career

Turning a Passion for Travel into an Exciting Encore Career

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Big Data

WhitePaper

05/05/2016

Taming Big Data

Using the partnership of IT and Marketing Analytics to maximize marketing impact

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Staying in the Fast Lane

WhitePaper

03/31/2016

Staying in the Fast Lane – Put a Little More 'T' in Your 'C' suite

Staying in the Fast Lane – Put a Little More 'T' in Your 'C' suite

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Identifying Identity Theft Risks

WhitePaper

03/21/2016

Identifying Identity Theft Risks

In order to best safeguard yourself, Synchrony Financial and the FTC want you to know more about identity theft dangers that exist across the web.

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A 'Good' Purchase

WhitePaper

03/15/2016

The Makings of a 'Good' Purchase

A closer look finds these retailers are more aligned than one would think, with quality and value being top of mind for shoppers.

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Big Data a Big Deal?

WhitePaper

02/26/2016

Is Your Big Data Effort a Big Deal?

In Gartner parlance, it’s at the top of the hype curve. Mention “big data” and people imagine answering impossibly hard JEOPARDY!© questions effortlessly.

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Internet of Things

WhitePaper

01/28/2016

The Lines Between the Consumer Internet and IoT are Blurring Fast

As retailers look to personalize shopping experiences for their customers, the realm of the "consumer Internet" is looking more and more like the "internet of things."

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Power to the Parents

WhitePaper

01/26/2016

Data Insights: Power to the Parents

People with kids are among the most frequent shoppers, yet advertisers spend much more to reach millennials. Is there a disconnect?

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Millennial Mall

WhitePaper

01/20/2016

Data Insights: Millennial Mall

A guide to Millennial shoppers and how their preferences are shaping the in-store experience.

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The Digital Shopper

WhitePaper

01/14/2016

Find Out How Mobile is Enhancing the Way People Shop

Retail shoppers are relying more on digital technology than ever before. It affects everything from where they shop to what they buy to how they pay.

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Holiday Email Scams

WhitePaper

12/21/2015

Beware of Holiday Email Scams

This holiday season, consumers can expect to experience a substantial spike in cyber-attacks beginning the day before Thanksgiving lasting well into the New Year.

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Female Executives

WhitePaper

12/16/2015

These 3 female executives are leading innovation in the retail industry

BI Studios interviewed top female players Vela; Jeanne Kemp, VP of financial planning at Toys "R" Us Inc.; and Jessica Herrin, founder and CEO of Stella & Dot Family Brands, to learn more about their strategies for successful leadership in the retail spa

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Customer Loyalty

WhitePaper

12/11/2015

5 Ways Mobile Can Help Brands Boost Customer Loyalty

In today's device-driven age of texts, tweets, and Snapchats, it's hard to grab consumers' attention.

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Mobile Tech

WhitePaper

12/08/2015

Shoppers' Little Helper: Mobile Tech

POLL: FROM COMPARING PRICES TO TAKING PRODUCT PICTURES, MOBILE IS A PART OF PURCHASING PATH

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Loyalty Programs

WhitePaper

12/04/2015

Much Love for Loyalty Programs

A vast majority of American adults—80 percent—belongs to some type of loyalty program, according to a recent Synchrony Financial poll.

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5 Things to Know

WhitePaper

11/23/2015

5 Things to Know:

Top Cybersecurity tips for this holiday season

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Cyber Security

WhitePaper

11/16/2015

More than Protecting Passwords: Advancements in Cyber Security

As data leaks and hacking attempts continue to make front page news, cyber security has entered the spotlight and—with cyber criminals becoming all the more sophisticated—is poised to stay there.

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Connections via Data

WhitePaper

11/10/2015

Customized Offers: Deeper Connections via Data

Putting the Custom in Customer

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Beacons

WhitePaper

11/06/2015

How beacons work and why they matter

Retailers are using technology in new ways to improve the shopping experience at their stores. One key component of this is beacons, which use a person's mobile device to customize the shopping experience.

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Segmentation Study

WhitePaper

11/04/2015

In-Store Shopper Segmentation Study

In the last five years, the retail industry has been primarily focused on driving digital growth.

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Segmentation Strategies

WhitePaper

10/28/2015

Segmentation Strategies for Retailers

Leverage customer insights to drive profitable growth

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Technology is Revolutionizing

WhitePaper

10/15/2015

5 Ways Technology is Revolutionizing the Way We Shop

Technology is Revolutionizing the Way We Shop

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The Retail Customer Experience

WhitePaper

09/24/2015

The Retail Customer Experience

When it comes to shopping behavior, price is always a key motivator.

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Multi-Generational Retail Strategies

WhitePaper

08/19/2015

Balancing Multi-Generational Retail Strategies

Millennials, Boomers and the changing retail landscape

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Customer Loyalty

WhitePaper

06/17/2015

Here's One Way Retailers Can Grow Customer Loyalty

Here's One Way Retailers Can Grow Customer Loyalty

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Revolutionizing Mobile Shopping

WhitePaper

05/20/2015

Synchrony Financial has an Entire Lab Dedicated to Revolutionizing Mobile Shopping

Synchrony Financial has an Entire Lab Dedicated to Revolutionizing Mobile Shopping

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Synchrony

Article

07/25/2019

Go Big By Looking Small

Location, location, location. The defining adage of the real estate industry has made its way to retail, though these days location is more about knowing...

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Synchrony

Article

07/17/2019

What’s Old is New

State of Pay with Synchrony shows how cameras can do a lot more than keep an eye on merchandise.

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The gift of easier giving

Article

07/02/2019

The gift of easier giving

If occasions for gift-giving are meant to be joyous, why are they often a headache? Whatever the reason – Wedding? Father’s Day? Second cousin’s dog’s wedding? -- there are challenges galore to getting the right gift...

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Loyalty is hot Hot HOT

Article

05/24/2019

Loyalty is hot Hot HOT

The summer season is prime for retailers to tailor loyalty programs. Summertime. The air is warmer. The days are longer. Perfect for barbeques, enjoying the outdoors, and everyone’s favorite pastime: shopping?

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4 trends shaping retail

Article

05/03/2019

Here Today, Here Tomorrow: 4 Trends Shaping Retail

Blink and you might miss it. ...Or so flash-in-the-pan trends tend to go. While some may sound familiar, these tactics are shaping new — and lasting — precedents in retail, delivering speed and innovative experiences.

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Digital Wallets

Article

02/18/2019

How Digital Wallets Create Retail Opportunity

As more people embrace the powerful, convenient tools their phones offer, a growing number of shoppers are leaving their physical cards and wallets at home, opting to transact via mobile instead. Here are some of the core opportunities mobile wallets affo

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Article

02/04/2019

Mobile Wallet Superusers

Digital pioneers are going cash and cardless – and aren’t looking back

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Article

01/07/2019

The State of Pay in 2019

Technology is accelerating the pace of change throughout retail. But in 2019, mobile and artificial intelligence look to be two dominant drivers that will foster enhanced experiences for both the customer and the retailer.

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Driving Loyalty

Article

09/10/2018

Getting to Know You: Driving Loyalty

Loyalty programs used to be simple. The more customers purchased, the more a company rewarded them. But consumers today expect far more from companies to gain their loyalty over the long term.

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Cutting Edge

Article

07/09/2018

The Cutting Edge of Customer Experience is…Apps?

The transformative technology of the next ten years is the same technology that transformed the last ten years: Apps.

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Loyalty

Article

06/08/2018

The 4 Pillars of Loyalty in Customer Lifetime Value

Few metrics better illustrate a company’s wellbeing than Customer Lifetime Value. In previous eras, retailers could employ tried and true loyalty practices that would reliably juice CLV. Today, they are challenged with savvy customers who demand more fo

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Tech Company

Article

05/31/2018

Surprise Retailer, Now You're a Tech Company

Retail has seen some dramatic shifts over the last decade. The dust is starting to settle, though, and a clearer picture is emerging of what tomorrow’s retail landscape may look like. And while there is no magic formula for success, retailers from acros

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Advantages

Article

04/01/2018

5 Advantages of Contextual Commerce

Technology has enabled consumers to purchase whenever and wherever they choose. Retailers who enable this will win the day

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Tech

Article

03/28/2018

Tech is Altering the Retail Landscape at Lightning Speed

Here's some non-news: Retail is evolving. But the speed, extent and direction of retail’s transformation is so drastic that it requires a deeper look.

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Voice Commerce

Article

03/19/2018

Introducing the Audio Wallet: Voice Commerce

The overwhelming success of voice-controlled smart speakers has accelerated the pending widespread adoption of voice commerce.

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