State of Pay

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State of Pay

Welcome to State of Pay, a showcase of the new, now and next in commerce, payments and technology for those seeking innovative ways to enhance and grow their business.

Mobile Apps: The Ultimate Destination

Video

12/11/2020

Mobile Apps: The Ultimate Destination

Many businesses have a mobile app — but is that app giving customers what they need? As retailers reimagine their customer touchpoints, apps look like a promising new opportunity.

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The Social Commerce Journey

Video

10/09/2020

The Social Commerce Journey

Learn about the expanding world of social commerce and how customers have embraced the “see it, click it, pay for it” mentality.

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The State of Data Strategy: Driving Personalization

Video

07/20/2020

The State of Data Strategy: Driving Personalization

Data drives opportunities for growth. When you use it to tailor a strategy, you may make stronger, more personal connections with your customers.

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The State of Voice Technology In Retail

Video

06/16/2020

The State of Voice Technology In Retail

Our everyday is evolving, and so are customers’ buying experiences. Voice technology may have a broader role in connecting you to consumers.

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Video

01/06/2020

The State of the Omnichannel Experience

With the right data, retailers are equipped to provide a seamless customer experience across all channels. Learn how the omnichannel experience is personalizing the connections retailers make with shoppers.

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Video

01/06/2020

The State of Taking Friction Out of Shopping

Technology and data have the power to completely revolutionize the way we pay.

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Young woman looking at clothes in store

Video

11/07/2019

Gen Z Enters the Marketplace

For younger generations, the experience of buying a product is as important as the product itself. Learn how retailers can cater to Gen Z to win their business.

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Women looking at smart phone

Video

11/07/2019

Payment Security at Your Fingertips

In the next five years, retailers can expect wider adoption of facial recognition and finger-print scanning in payments. Why? Bio-authentication offers stronger payment security than a typical password.

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Store and shopping bag icons

Video

11/07/2019

Checkout-Free Stores Promise Greater Convenience

Walk in. Grab item. Walk out. When it comes to in-store checkouts, it may be time to make an upgrade.

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Social commerce icons dress, high heel shoe, tie and watch

Video

11/07/2019

Social Commerce Delivers on Diversity

The new window-shopping is happening on a device. Learn how social media helps consumers browse items and discover new retailers.

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Man walking in aisle of server room

Video

11/07/2019

Artificial Intelligence Equals Real Results

Get acquainted with the tech that could up your competitive edge. Whether it’s for inventory or personalization, the promise of AI is very real for retailers.

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Woman interacts with smart speaker

Video

11/07/2019

The Future of Smart Speakers May Be in Payments

Nearly half of U.S. consumers own a smart speaker, but voice commerce is just starting to find its footing. Discover how this new technology is poised to expand in the future.

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Video

11/07/2019

The In-Store Experience Is Still in Demand

Despite the rise of e-commerce, 80% of shopping is still done in store. Learn how brands are attracting in-store customers through immersive in-store shopping experiences.

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Woman shopping in retail store

Video

11/07/2019

AI and Loyalty Are a Virtuous Cycle

AI brings personalization. And personalization brings loyal customers... which brings even more personalization. Let the virtuous cycle begin.

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Young women using apps on smartphone

Video

11/07/2019

Retail Apps: More Is Better

Shoppers don’t just want retail apps, they want retail apps that work for them. Discover how brands are providing deeper value in their mobile interactions with consumers.

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Man pays via payment terminal with mobile phone

Video

11/07/2019

Mobile Wallets Will Be the New Normal

Imagine it: a world where payments happen at your the tap of a button. It’s the future, and the future is saying "hello" to mobile wallets.

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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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Build to Lead

Article

09/14/2022

Built to Lead

2022 has proved itself a unique year. This on the heels of a few unique years before it - which may be the understatement of the decade. Market dynamics and consumer expectations are rapidly evolving. Supply chains remain strained.

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Article

03/22/2022

3 Top Small Business Retail Payment Trends: 2022 Edition

Small businesses can’t just press “pause” when new technologies emerge or as trends and external conditions change. So often, retailers must adjust their approach mid-stride, and deciding on your next step can be a challenge.

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Article

11/12/2020

How to Boost Long-Term Loyalty as Consumer Habits Shift

Customers expect rewards, points and discounts. Brands that can offer more, will benefit with increased customer interactions. Our experts weigh in.

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Article

10/16/2020

How A.I. Can Unlock the Opportunities of a New Shopping Era

Retail has changed and businesses across the board will need to adapt to shoppers’ changing expectations. Learn from Greg Simpson, Chief Technology Officer at Synchrony, how A.I. can help.

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Article

10/16/2020

Technology + Humanity: Keys to the Future of Customer Service

Digital-first environments are increasingly important to customers, but that doesn’t mean businesses have to lose their human touch. Learn how customer service is evolving.

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Article

09/09/2020

The Power of Community-Supported Business

It’s been a head-spinning time for businesses — but many are staying strong with the help of their communities. We talked to businesses about how they evolved with local support.

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Article

08/07/2020

Maximizing Your Work Force: What You Need to Know

Working from home has accelerated the use of data and cloud-based platforms. Are you equipping your employees with these new technologies? Learn how to maximize your workforce at #StateOfPay.

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Article

08/07/2020

How Appointment-Based Businesses Can Thrive Virtually

From doctors to contractors to hair salon owners, appointment-based businesses are finding innovative ways to deliver their services virtually. Whether it’s providing online consultations or virtual and augmented-reality tools

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Article

08/07/2020

Contactless Payments See Growing Demand

As shoppers focus on safety , the appeal of contactless payments has soared — from tap-to-pay to QR codes and more. “This is exciting,” says Bijayta Berger of Synchrony. “It’s not just a trend — we’ll continue to see consumer adoption.”

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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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