ISV Industry Insights

  1. Consumers Still Want To Make Purchases With Cash

    Cash is still one of Americans’ favorite methods of payment for purchases. While it scored behind debit cards in the September 2017 Cardtronics Health of Cash study, cash remains the most commonly used form of payment, with 91% of respondents saying they had used cash in person-to-person payments in the last six months. That’s an uptick from 89% a year earlier.

  2. Mobility Is The Future Of Payments—Are You Ready?

    It’s been a decade now since the release of the first iPhone, perhaps the tipping point in the smartphone boom. Smartphones took mobility in technology to a new level, allowing people to carry with them a suite of different abilities at once.

  3. The Evolved Acquirer — A Forecast For Weathering The Consolidation Storm

    The acceleration in acquisitions among the largest 50 payment processing providers in recent years has resulted in unprecedented consolidation within the merchant acquiring industry. Integrated payments strategies now fall into two conflicting segments for the ISV channel, open and proprietary. Open adopts an open or agnostic approach to ISV partners to collect as many integrations as possible. With proprietary, POS solutions are acquired with the philosophy that owning POS technology is the best approach to supporting a merchant’s integrated payments.

  4. Retail Isn’t Doomed, But A Tectonic Shift Is Under Way

    Online shopping has put tremendous pressure on brick-and-mortar retailers, causing large numbers of locations to go out of business. But lest anyone think retail is shrinking, the opposite is actually true. As of July 2017, retail sales were up $121.5 billion over last year, according to a new report by the IHL Group. With the holidays approaching, the NRF also recently projected an increase of 3.6%-4% over last season’s sales.

  5. To Generalize Or Outsource: A Decision Every ISV Must Make

    When you’re selling to multi-location retailers, the challenges go beyond the point of sale. The world of retail security, data and payments is growing more complex—all three are blending together in the solutions that your customers expect today. Every ISV has a tough decision to make: They can broaden their focus, or they can keep their attention on their core expertise and partner with a company that helps them in other areas. The two options offer a different set of benefits and challenges.

  6. Manufacturer Brand Erosion: Protecting Brand Identity Through Channel Partners

    APG Cash Drawer, like many other manufacturers, relies on the indirect sales channel to get our products and solutions into the hands of our end user customers. This involves working with distributors, POS resellers, OEMs and software developers to ensure our products and services deliver maximum value.

  7. Data Analytics Enhances Cash Management For Retailers

    Cash loss is one of the biggest challenges faced by retailers, and most of it currently results from internal theft. But even without taking theft into account, cash management is time-consuming and expensive, boosting operating expenses for retailers. The time spent manually counting cash, conducting top offs and lifts eats away at a retailer’s bottom line.

  8. Fraud And Security Today: As EMV Stops In-Store Fraud, Criminals Move Online

    It’s nearly two years since the EMV changeover—but fraud hasn’t yet disappeared. Not only that, breaches are still taking place at major chains, and a new one seems to make headlines every week. So was EMV worth it? And how can ISVs make sure they stay ahead of the next trend in fraud?

  9. Payment Trends to Watch

    The payments industry is in the midst of one of its most dynamic and challenging periods in decades. Consumers now have a multitude of new options pay for goods and services, and merchants have been hard pressed to keep up with rapidly evolving technologies and standards.

  10. Manufacturer Brand Erosion: A Two Part Series

    A brand is more than just a name; it’s the identifier that creates the perception of a company among its customers. Walk into a grocery store, and you’re surrounded by brands. Grocery stores have in a sense become warehouses for product brands. But what about a store’s own brand?