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                                              Then COVID-19 rocked the world to its core, leading to business lockdowns,
         The ve                               travel restrictions and vastly limited retail sectors.
         The very point of salery point of sale
                                              Are you here?
                                              In the ensuing fog of COVID, being served took on a whole new meaning as
                                              a massive spike in digital commerce made it difficult for merchants to discern
                                              good  customers  from  fraudsters.  With  valued  relationships  at  stake  and
                                              federal and international compliance a constant struggle, advanced, real-time
                                              technologies became critical for all merchants, researchers noted.

                                              "Across the industry, escalating use of data, connectivity and AI has also
                                              increased the influence and scope of regulators and industry bodies," researchers
                                              wrote. "From Know Your Customer (KYC), Anti Money Laundering (AML),
                                              PCI and EMV to data protection – on a federal and international level, they
        Are you being                         are ramping up mandates, requirements and practices designed to safeguard
                                              businesses, customers and their personal and payment data."
        served?                               Fortunately, service providers rallied to help merchants implement advanced
                                              technologies to stay connected to customers when traditional methods were

        By Dale S. Laszig                     blocked. Solutions that formerly took years to develop were deployed in days.
                                              Flexible, scalable frameworks made solutions easy to configure, customize and
        DSL Direct LLC                        activate, according to Molly Walsh, head of product for merchant services at
                                              J.P. Morgan.
                 he question, Are you being
                 served? begins with wait     Democratizing payments
                 staff and ripples across     "As a vendor, we need to get solutions to our merchants and clients quickly
        T consumer            touchpoints,    and in a reliable, scalable manner," Walsh said. "Technology partners like
        from stores to websites to mobile
        apps. Service lives at the intersection
        of commerce, where brand manag-
        ers, service providers and technol-                                                         USAEPAY.COM
        ogy companies collaborate to create        REIMAGINE THE ART OF                            866-570-2051
        a seamless, uninterrupted customer
        experience.                                TRANSACTION

        A recent study by FreedomPay and                                                     RETAIL  E-COMMERCE  M MOBILEOBILE
        J.P. Morgan, published June 9, 2021,
        examined how quickly the customer
        experience is changing and how
        payments    industry  professionals
        are helping merchant partners stay
        apace with ever-changing shopping
        habits, technologies and regulations.
        As researchers noted, digital and
        touchless commerce trends, already
        in play, were rapidly deployed
        during the coronavirus pandemic as
        alternatives to traditional POS.

        In Preparing for the Return of Demand:
        How America's Retail & Hospitality
        Tech Elite Tackle Disruption with New
        Commerce   Investment,  researchers
        noted that 2020 consumer spending
        was up and "life was good for many as
        transactional volumes grew in retail,
        hotels, casinos, sports stadiums,
        restaurants, venues and bars."


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