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The growing rise of social networks has highlighted social commerce for retailers. Although 88 % of French people are active on these platforms, only 10 % have dared to buy online recently, according to Retail Republik. Despite huge potential, mistrust of payments is slowing its growth. How are the rules of traditional and online commerce redefined ? Let's explore the challenges of social commerce !

Innovating to adapt is one of the challenges of retailers mentioned at the last One to One Retail E-Commerce Monaco trade show. It is a challenge that gœs hand in hand with the advent of the subscription economy. This trend, which has been present for several years, is shining at the global and national level, forcing companies to change their approach and offer.

In line with the circular economy, subscriptions are leading brands towards ever-greater flexibility, particularly in terms of payment solutions. This growth necessarily has an impact on the payment models to be implemented. Explanations.

More and more, once their shopping trolleys are full, customers are being offered the choice between traditional checkouts and self-service terminals. In the world of furniture, textiles, and food for example, self-checkouts are accelerating their deployment. Thanks to its economic performance (less investment in equipment and staff, but also real benefits in terms of space), it erases this original point of tension in store represented by payment.

In 2023, payment will either be by mobile or it will not be made at all ! Mobile payment seems to be spreading at a fast pace : a number of factors have finally aligned to enable its adoption by the French. Is it an alternative to the use of cash, highlighted by the ECB's data ? Yes and no : certain cyclical elements, such as inflation, also favour a return to cash.

With the multiplication of customer journeys (online, in store, click & collect) and the deployment of new wireless technologies, a new revolution of Electronic Payment Terminals (EPTs) is emerging. Retailers are faced with choices that are as technological as they are strategic.

International card networks, also known as "bank card schemes", play a crucial role in the global financial landscape. They facilitate secure, fast and reliable transactions between consumers and merchants around the world.

The rapid rise of e-commerce has placed online payment fraud at the heart of merchants' concerns. Although protective measures have proven their effectiveness, fraud is constantly evolving, and is now affecting mobile and other means of payment via social engineering, according to the Observatory for the Security of Means of Payment (OSMP) and its annual activity report. What are the payment methods that are most frequently subject to fraud ? What strategies can be put in place to effectively combat fraud ? We decrypt fraud with complete transparency !

In 2022, e-commerce experienced a marked transition. After the boom of 2020, its share in global trade decreased, giving way to a resurgence of interest in physical stores. Even Amazon wants to roll out more points of sale in 2023 !

However, the pandemic continues to have a visible impact : it has accelerated the development of the digital economy by 5 years. Consumers are now more informed, technophile and in search of an ever more personalised experience. Their online purchases are mainly guided by the use of social media. In this context, omnichannel is paramount.

The news came on 29 March : Apple is embarking into BNPL with Apple Pay Later. This split payment solution allows you to spread a payment over 6 weeks in 4 payments without fees. This official launch speaks volumes about the future potential of payment facilities. Provided that security and customer experience follow ! Explanations.

Despite the complexity of internal procedures (special role of the corporate buyer, quotation and invoicing, treasury management, etc.), trade between companies is adopting innovative payment methods, such as instant transfer or payment by link.

On 1 January 2023, in France, it will be prohibited to automatically print receipts in shops, after a purchase. To combat paper waste, some retailers already offer their customers the option to receive their receipt by email or SMS. How to seize the opportunities related to paperless receipts ? Are consumers willing to do without these receipts ?

E-merchants seek to limit cart abandonment as much as possible, which is crucial in their business model. Between marketing and technical innovations, they put forward in their promise a fast and secure payment. But the PSD2 directive, by imposing strong authentication since 2020, adds a step to the purchase process. This is a new challenge for e-commerce.