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Merchants must navigate new business models and continue to address ongoing payments security, consolidated siloed payments infrastructures and a single view of the customer from various data sources. The path to growth will mean different things to different merchants, depending on where they are in their journey-and how and where they want to do business.

ACI collaborated with Payments Cards and Mobile to survey the retail industry and garner some insight into the level with which Omni-channel payments are pervasive among merchants. The survey also sought to understand what retailers want to see in terms of functionality from vendors, plus perspectives on security, fraud, payment ecosystem responsibilities, service delivery, and funding.

Merchant Retail

Key Insights

Incompatible systems, data integration and inability to track customers are the top challenges faced in omni-channel programs. Alternative payments, mobile and tokenization lead the way in desired Omni-Channel payments and tools.

50% Of Merchants See Themselves as Technology Followers

29% Of Merchants Have Started or Completed Their Omni-Channel Payments Journey with 25% Planning to Launch Their Strategy within the Next 12 Months

50%+ Of Merchant Respondents Don't Have a Common Set of Fraud Tools across All Channels Today with Only 49% Having a Common Set of Payment Security Technologies across All Channels