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        business apps that the ISV is not natively offering as   partners to be integrated. Technical-oriented ISOs can
        part of its own marketplace. The digital mindset is about   create an environment that delivers more flexibility to
        specialization, resulting in apps that are aimed to solve   their partners (ISVs, payfacs) and merchants, especially
        specific merchant problems. So, the more choice merchants   regarding the integration and orchestration of the checkout
        have in app selection, the better able they are to fine tune   flow on device, across devices and across channels.
        their ecosystem to address their specific issues.
                                                                ISOs and acquirers that want to reposition themselves
        Omnichannel future                                      need an open integration layer on a platform that allows

        Now, more than ever, small to medium-sized business     them to deliver a living, vibrant merchant ecosystem
        merchants need every tool available to grow their revenue   that manages and orchestrates business applications and
        and stay profitable. Omnichannel is essential to extending   interactions across devices, applications and the overall
        beyond the physical storefront to  offer customers  more   checkout flow. Choice and flexibility are essential in being
        opportunity and greater convenience in purchasing goods   able  to  interact  with  solution  partners  across  channels,
        and services.                                           payment methods, device types and value-added services.

        In an omnichannel world every business is exposed to the   ISOs and acquirers can't afford to view the payment
        digital world, whether it is a restaurant allowing order-  terminal as the be-all, end-all of their business models;
        ahead services, a store that sells both on- and offline, or   they need to find the right technology partners to ensure
        a spa that advertises via Google or Facebook and offers   their  role  in  providing  a  truly  integrated  payments
        appointment scheduling. Many merchants, though, are     solution.
        overwhelmed by the sheer number of specialized solution
        partners to choose from—consider that there 11,000      Martin Herlinghaus is senior market analyst with AEVI. He has 20 years
        business apps in the Apple store alone.                 of experience in both digital and face-to-face (F2F) payments and has
                                                                worked with leading companies to create global billing and digital pay-
        Traditional retail ISOs can use their industry-specific   ment solutions. Contact him at response@aevi.com.
        expertise and insights to create relevant solutions, helping
        their merchants with partner selection and helping those




















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