The 5th P of the marketing mix<\/h4>\r\n
According to a study by Roland Berger,\u00a0customers are even willing to pay 15% more for a higher level of service.<\/strong>\u00a0For brands, this means meeting higher expectations, two of which are now key: personalisation of the service and fluidity. Payment is at the heart of these issues. The more burdensome this step is, the faster the buyer abandons their basket. However, the success of the subscription system, which is simple and fluid, has shown us that it is possible, via payments, to understand customers better, to offer them personalised services and, ultimately, to retain them over the long term.<\/p>\r\n But in fact, payment has become much more than the restrictive process that we are trying to make invisible. Many brands have succeeded in making it a driver of value creation by integrating it more harmoniously into the purchasing process and by supplementing it with additional services, thus offering their customers real added value<\/p>\r\n<\/div>\r\n Payments represent a great area of innovation. But the flip side is that innovation results in new challenges. The first is the transformation of business lines, in an environment in which accelerated technological developments are causing confusion between different sectors. While payment operators are becoming increasingly like lead generators, the roadmaps of retailers are also changing. Have they not inevitably become payment operators themselves? This change brings a second, not insignificant, challenge: maintaining a balanced and virtuous relationship with consumers. If retailers offer financing facilities, they cannot avoid certain responsibilities: i.e. inquiring about the customer\u2019s credit standing and finding the crucial balance between increased conversion and reasoned consumption.<\/p>\r\n<\/div>\r\n<\/div>\n Integrated finance, i.e. the transparent combination of traditional financial services and non-financial services, is in high demand from consumers. These services may include, for example, transaction accounts, portfolios, loans and payments. Companies aim to use integrated finance to attract and retain their customers, while providing them with faster, trouble-free financial services. By 2030, this very promising sector will represent a global market of over $7 trillion. It is also, for retailers, a growth driver that offers great opportunities\u2026 and new responsibilities.<\/p><\/div>\n\n\n Our experts help you shape the best payment experience.<\/p>\n<\/div>\n\n\nMaking the purchasing process simpler in order to accelerate growth<\/h4>\r\n
New responsibilities for brands<\/h4>\r\n
Key takeaways<\/h2>\n\n
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<\/figure>Interested in Younited Pay?<\/h2>\n\n\n