Around the world, every second of every day, First Data makes payment transactions secure, fast and easy for merchants, financial institutions and their customers. Whether the choice of payment is by debit/credit card, gift card, mobile, online or at the counter, First Data takes every opportunity to go beyond the transaction.
The company's newest White Paper, 'Universal Commerce: Adapting to the Power of Smart Devices', discusses how consumers empowered by new online and mobile technology, have been a significant driving force behind dramatic recent changes in banking and retail commerce. Their enthusiasm for making online purchases, being mobile and aiming for better value with every purchase has altered the retail landscape. Consumers now routinely read product reviews and conduct price comparisons while standing in a store. They pay attention to what their friends say on social networks and actively seek offers from daily deal publishers. They manage their finances with online and mobile banking, and they regularly use alternative methods of payment. This paper delves into more detail on how PCs, smartphones, tablets, smart terminals and ATMS can be integrated in exciting ways to engage Gen Y customers.