Alternative Payment Options - Converting Hesitant Shoppers Into Confident Spenders

8/14/2019 Alternative Payment Options - Converting Hesitant Shoppers Into Confident Spenders

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1 E X E C U T I V E S U M M A R Y

2 A B O U T T H E S T U D Y

3 1 . 0 T H E H E S I T A N T S H O P P E R

3 1 . 1 Protection from Fraud: Perceptions and Liabilities

4 1 . 1 . 1 Credit Card Liability

5 1 . 1 . 2 Debit Cards and Hidden Costs

6 1 . 2 Identity Theft - A Growing Concern

6 1 . 3 Consumers are Looking for More

8 2 . 0 T H E M E R C H A N T P E R S P E C T I V E

8 2 . 1 The Merchant Opportunity

8 2 . 2 The High Cost of Fraud

9 2 . 3 Attracting the Customer

9 2 . 4 Reducing Costs

9 2 . 5 Cash-based Payment Options

1 1 3 . 0 B R I N G I N G O N L I N E B A N K I N G S E C U R I T Y T O T H E

C H E C K O U T

1 2 4 . 0 B U I L D I N G C O N F I D E N C E

1 4 C O N C L U S I O N

1 5 F U R T H E R O N L I N E R E S O U R C E S

CON T E N T S


3/17

The 2008 holiday shopping season was one of the most challenging for retailers in decades

according to MasterCards SpendingPulse1 report on national retail and service sales.

Online spending, however, showed relative strength declining only 2.3% compared with a

total retail sales decline of 5.5%-8% from 2007. This resiliency and relative health is an

indicator of the ever-growing importance of e-commerce. The financial crisis has made it

even more crucial to target online channels.

To fully take advantage of online shopping, it is important for merchants to optimize their

web experience to overcome customer barriers. Shopper hesitancy and shopping cart

abandonment remain challenges as overall conversion on merchant sites remains low,averaging 2%-3% depending on the industry. Merchants with the highest conversion rates

are those who go beyond using traditional Web analytics data to truly understand their

customers needs, perceptions and concerns.

Jupiter Research conducted a study, commissioned by eBillme in late 2007, evaluating

consumers concerns and considerations when selecting a payment method at the

checkout and identified key customer barriers. This study found that fraud protection is the

most important consideration for consumers when selecting online payment options. A

perceived lack of security when entering personal and/or financial information online

continues to pervade the customer experience. Additionally, though fraud is a primeconcern, over 60% of credit and debit card users are confused as to their maximum liability

coverage and could be caught unawares. As consumers become more experienced, they

are likely to align with options that do more to protect them.

Merchants have an opportunity to provide the security and confidence that online

consumers seek by embracing options that promote transparency and trust. According to

the survey, more than three quarters of consumers have stated that they would be willing

to adapt to changes in the online payment process if it resulted in enhanced security.

Alternative cash-based online payments that offer security and protection are growing in

popularity in response to evolving buyer preferences and are attracting new shopperdemographics.

We present a payment method that protects both merchants and shoppers, addressing the

consumer concerns and barriers in a way that converts hesitant shoppers into confident

spenders with immediate results in new customer acquisition and increased order values.

E X E C U T I V E S U M M A R Y

1

This study found tha

fraud protection is

the most important

consideration for

consumers whenselecting online

payment options.

1 MasterCard Advisors SpendingPulse 2008 Holiday Wrap-up Report

http://www.marketwire.com/press-release/Mastercard-Advisrs-933516.html
http://www.marketwire.com/press-release/Mastercard-Advisrs-933516.htmlhttp://www.marketwire.com/press-release/Mastercard-Advisrs-933516.html


4/17

In November 2007, JupiterResearch designed and fielded a survey to online consumers

selected randomly from the Ipsos US online consumer panel. A total of 2,706 individuals

responded to the survey and were asked approximately 40 closed-ended questions. These

questions addressed their behaviors, attitudes and preferences as they relate to customer

service and support, search behavior, use of ISP portals, politics, and wireless research.

Respondents received an email invitation to participate in the survey with an attached URL

linked to the web-based survey form. The samples were carefully balanced by a series of

demographic and behavioral characteristics to ensure that they were representative of the

online population. Demographic weighting variables included age, gender, household

income, household education, household type, region, market size, race and Hispanicethnicity. Additionally, JupiterResearch weighed the data by AOL usage, online tenure, and

connection speed (broadband versus dial-up), three key determinants of online behavior.

Balancing quotas are derived from JupiterResearch's Internet Population Model which

relies on US Census Bureau data and a rich foundation of primary consumer survey research

to determine the size, demographics and ethnographics of the US online population. The

survey data are fully applicable to the US online population within a confidence interval of

plus or minus 3%.

In this survey effort, JupiterResearch worked with its research partner, Ipsos-Insight, on the

technical tasks of survey fielding, sample building, balancing, and data processing.Ipsos-Insight is one of the largest market research companies in the US and maintains a

general research panel of 400,000 households. Ipsos-Insight also has access to the Ipsos US

Online Panel, which comprises two million Internet users, offering JupiterResearch an easy

way to target and survey current online users. Panel-based market research enables

researchers to have baseline knowledge of each survey respondent, increase survey

participation rates, and permit careful rationing of survey fielding to reduce survey burnout.

A B O U T T H E S T U D Y

2

Alternative Payment Options: Converting Hesitant Shoppers into Confident Spenders


5/17


6/17

4


0 20% 40% 60% 80% 100%

11%

14%

9%

Percentage of Online Shoppers Who Have Paid Online With Credit Card,Debit Card, or Cash-based Alt Pmt solution in Past 12 Months

Figure 2: I Feel as Though the Online Purchases I Make are

Sufficiently Protected from Fraud

Credit cards remain the method of choice when it comes to online payment options, with

61% of online shoppers choosing to checkout with a credit card. Although credit cards are

used frequently, it should be highlighted that their online use has declined significantly

over the years and is expected to continue to decline as mentioned by Forrester Research.

The decline is not surprising. 77% of online shoppers who use credit cards state that they

would gladly adapt to changes in the online checkout/payment process if the goal is to

enhance security.

There is no question that as a payment method, credit cards offer convenience and

adequate fraud protection for the user. Consumers who use their credit cards for online

purchases are relatively well protected from fraudulent use of their card. However, even

though The Federal Truth in Lending Act limits any liability for fraudulent charges to $50, an

overwhelming number of shoppers had no idea what they were liable for. The studyshowed that 68% of credit card users simply do not know what their maximum liability is.

Based on the distribution of other responses from the survey on this topic, it is clear that

there is a high level of confusion as to the definition of maximum liability coverage, even

among those who think they know what their level of maximum liability coverage might be.

This proves that the vast majority of credit card users are unclear about their coverage.

1.1.1 Credit Card Liability

25%

23%

31% 61%

63%

63%

Disagree Neutral Agree

Credit Card Users

Debit Card Users

AlternativeCash-based

Payment Users

Over 68% of credit

card users simply do

not know what their

maximum liability is.

Source: JupiterResearch/IpsosInsight Consumer Survey(11/07), n = 1,641 (Onlineshoppers who paid with a creditcard online); n=1,046 (Onlineshoppers who paid with a debitcard online); n=134 (Onlineshoppers who paid with a

cash-based alternative paymentsolution online), US only


7/17

5


Under federal law, liability for fraudulent charges on a debit card can be greater than it isfor a credit card. With a credit card, the card holder is only responsible for up to $50 in

unauthorized purchases. With a debit card, the loss can be up to $500 if the theft or loss of

the card or PIN is not reported within two business days of discovering the problem. If the

cardholder fails to report the unauthorized charges within 60 days of the date of the

statement that lists them, they could be held liable for any unauthorized withdrawals after

that date. Those include the full value of credit lines and funds in savings linked to their

checking account for overdraft protection.

Similar to credit card users, 65% of those who use a debit card reported that they do not

know what their fraud liability is. Given that debit card liability is more complicated thanthat of credit cards, it is understandable that the remaining respondents were confused

regarding the definition of maximum liability coverage. Once again, the majority of survey

respondents had no idea what they were liable for if their debit card was compromised.

Of those surveyed, the majority were confused regarding the definition of maximum

liability coverage under different payment methods, and with 80% of online shoppers

concerned about fraud, uncertainty and hesitation play a key role in cart abandonment.

1.1.2 Debit Cards and Hidden Costs

Under federal law,

liability for fraudulen

charges on a debit

card can be greater

than it is for a credit

card.

0 20% 40% 60% 80% 100%

11%

1%

1%

1%

Percentage of Online Credit Card Users

Figure 3: Asking Credit Card Users About their Maximum Liability

2%

8%

3%

68%

5%

I dont know

More than $500

$400

$500

$300

$200

$100

$50

$0

Source: JupiterResearch/IpsosInsight Consumer Survey (11/07), n= 1,641 (Online shoppers who paidwith a credit card online), US only


8/17

6


Debit cards actually end up costing the user more than credit cards once all the costs are

tallied up, and they offer much less protection against fraud.

At first glance, it would appear that debit cards are an easy non-credit choice for online

shoppers. However, their convenience can come at a hidden cost for the user who does not

keep a close eye on their bank account. At one time, banks would refuse any debit card

transaction that would overdraw a depositors account, but this is not the case anymore.

Most financial institutions automatically enroll their depositors in a program that loans

them the amount of the overdraft at a steep price, rather than notifying them when their

accounts are close to being overdrawn. The Center for Responsible Lending estimates that

banks who offer these lending programs can expect a sharp increase in overdraft revenues

- as much as 200 to 400 percent!

The Federal Reserve reports that debit card transactions have been growing more than 20%

annually. At the majority of online checkouts, debit cards are the only option for the

consumer who is looking to maintain control of their finances and pay merchants

immediately and directly from available funds. However, the unsettling reality is that 65% of

debit card users reported that they do not know what their fraud liability is, and online

debit cards are far more likely to be compromised than credit cards.

Debit cards actually

end up costing the

user more than credi

cards once all the

costs are tallied up,

and they offer much

less protectionagainst fraud.

0 20% 40% 60% 80% 100%

9%

0%

6%

Percentage of Online Debit Card Users

Figure 4: Asking Debit Card Users About their Maximum Liability

2%

7%

3%

3%

65%

5%

I dont know

More than $500

$400

$500

$300

$200

$100

$50

$0

Source: JupiterResearch/Ipsos InsightConsumer Survey (11/07), n=1,046(Online shoppers who paid with a debitcard online), US only


9/17

7


In addition to protection from payment fraud, online users are increasingly worried about

identity theft. Headline news reporting the theft of millions of credit and debit-card

numbers stolen from large online retailers highlights the vulnerability of consumers'

financial data. As consumers lose confidence in a merchants ability to protect sensitive

information, they become much less likely to share personal and financial information

online.

1.2 Identity Theft - A Growing Concern

In order for online merchants to convert hesitant shoppers into confident buyers, they need

to offer their customers peace of mind. According to the study, peace of mind does not stop

at offering additional security and fraud protection. Satisfaction, price and shipping

guarantees are also important issues. Consumers are looking for an entire package that

protects both them and their purchases. A merchant who offers their customers a lowest

price and satisfaction guarantee, in transit protection against damages, and payment

protection against unauthorized transactions has the opportunity to capture a shopper

who might have simply abandoned their shopping cart at the checkout.

The individual elements of a comprehensive buyer protection plan resonate more strongly

with consumers than any of the points or loyalty programs offered by some credit and debit

cards. Almost 5 times as many people ranked protection from fraud as having much greater

importance over incentive plans. 60% of credit card users and 56% of debit card users prefer

a satisfaction guarantee; ranking it over 3 times more important than rewards for their

purchases. 45% of credit card users and 50% of debit card users value price protection and

being offered the lowest available price. This proves that customers are not looking for

intangible rewards. They want the guarantee that their purchases and their money are

protected.

1.3 Consumers are Looking for More

For online merchant

to convert hesitant

shoppers into

confident buyers,

they need to offer

their customers

peace of mind.


10/17

Merchants are now provided with the opportunity to convert browsers into buyers by

providing them with a sense of security and peace of mind. The vast majority of online

shoppers (77%) have stated that they would be willing to adapt to changes in the online

payment process if it resulted in enhanced security.

Preventing fraud is of paramount importance to merchants. The total dollar loss from online

payment fraud is growing at the rate of about 20% a year. According to CyberSource Corp.s

2008 Online Fraud Report, it is estimated at $3.6 billion in 2007, up from $3.1 billion in 2006.

This clearly signals the need for online payment options that incorporate reliable customer

authentication for each transaction.

Although direct fraud loss represents only 1% of orders, costs associated with risk

management procedures, tighter screening, and manual order review are significant.

Tighter detection tools lead to a rejection of up to 4% of orders, some of which are valid.

Manual reviews of transactions, established to prevent fraud, are both labor and cost

intensive. Up to 23% of orders are manually reviewed - an overwhelming task for

large-volume sites.

2 . 0 T H E M E R C H A N T P E R S P E C T I V E

8


2.1 The Merchant Opportunity

0 20% 40% 60% 80% 100%

3%

4%

3%

Percentage of Online Shoppers by Payment Type

Figure 6: I Would Gladly Adapt to Changes in the Online

Checkout/Payment Process if the Goal is Enhanced Security

12%

20%

20%

77%

77%

84%

Disagree Neutral Agree

Credit Card Users

Debit Card Users

AlternativeCash-based

Payment Users

2.2 The High Cost of Fraud

The total dollar loss

from online paymen

fraud is growing at

the rate of about 20%a year.

77% of online

shoppers would

gladly adapt to

changes in the onlin

checkout/payment

process if the goal isenhanced security.

Source: JupiterResearch/Ipsos InsightConsumer Survey (11/07), n = 1,641(Online shoppers who paid with acredit card online); n=1,046 (Onlineshoppers who paid with a debit cardonline); n=134 (Online shoppers whopaid with a cash-based alternativepayment solution online), US only


11/17

9


Drawing consumers to their websites often comes at a cost and merchants spend a lot of

money in an attempt to lure prospective shoppers. On average, an outlay of $40 per

customer is spent on advertising, adwords, site development, usability research, etc. In order

to offset this cost, merchants must convert browsers to shoppers by reducing

abandonment at the checkout and by increasing AOV.

Another factor in increasing sales is generating repeat orders and instilling customer

loyalty. Repeat orders stem from customer satisfaction with the purchasing experience. This

experience not only relates to the product itself and competitive pricing, but also the

degree to which the consumers expectations are met. A satisfied customer is likely to

become a repeat customer.

2.3 Attracting the Customer

Transaction fees for online payments represent one of a merchants biggest expenses. On

average, processing credit and debit card transactions can cost merchants 3% to 5% of total

revenue on a fully loaded basis. Even worse, merchants pay higher interchange fees for

debit card over credit card transactions. By offering their consumers a cash-based payment

option as an alternative to using their debit card, merchants can significantly decrease their

transaction fees.

2.4 Reducing Costs

Merchants are anxious to find alternative payment options that provide access to more

consumers while reducing total costs, particularly those costs related to fraud, risk

management and exception processing. They are looking for a payment option that

delivers low transaction fees, guaranteed payments with no fraud, no NSFs, no chargebacks,

and that delivers a higher average order value.

eBillme is the cash-based payment option that allows merchants to leverage the existing

banking infrastructure by enabling consumers to pay for Internet purchases at any bank,

credit union, or bill pay portal that supports online banking. Through online banking,

merchants can harness an existing, established consumer behavior (that of paying bills

online) to pay for Internet purchases.

2.5 Cash-based Payment Options

By offering their

consumers a

cash-based paymen

option as an

alternative to using

their debit card,

merchants cansignificantly decreas

their transaction fee


12/17

1 0


Of particular interest to merchants looking to boost their average order value is the finding

that when asked on average how much money they had spent online in the past threemonths, the online shopper who checked out using cash-based alternative payment

options had spent more than those consumers who used credit or debit cards.

With the significant decline in the US market, the number of jobs shrinking, housing prices

falling and debt levels swelling, more Americans are most at ease with living within their

means. This has had an impact on the online shopper who previously might have reached

for their credit card and potentially ran up more debt than they could handle.

The result is a shift to a consumer who uses cash for their purchases. As Americans begin to

pay as they go, they feel more comfortable spending by paying cash as opposed to putting

the same amount on credit and racking up interest fees and debt.

The study also found that online shoppers over the age of 25 were more likely to embrace

a cash-based payment solution when compared to their younger counterparts. This age

group represents a population segment that is classified as being in key family formation,

and they are at a strong earnings growth life stage. They are starting careers, buying homes,

raising children, and have less leisure time. What this means for retailers is that these

consumers are comfortable spending cash for their purchases. This age group also

reiterated that fraud protection was 5 times more important to them than incentive

programs or rewards, and product satisfaction was one of their primary concerns when

shopping online.

Merchants can capture this lucrative and knowledgeable consumer segment by offering

payment solutions that allow online shoppers to pay cash for their purchases safely and

securely, without disclosing financial information.

On average, shopper

who use cash-based

alternatives spend

more than either

credit card or debit

card users.

Credit Cards: $354Debit Cards: $273Cash-Based Alternatives: $401

Figure 7: Approximately How Much Money Did You Spend in

the Past 3 Months Shopping Online?

Source: JupiterResearch/IpsosInsight Consumer Survey (11/07), n= 1,641 (Online shoppers who paidwith a credit card online); n=1,046(Online shoppers who paid with adebit card online); n=134 (Onlineshoppers who paid with acash-based alternative paymentsolution online), US only


13/17

110 million Americans currently bank online, placing their confidence in the convenience

and security of their own bank. This trust is well founded, since banks have spent billions of

dollars building secure and reliable online banking systems that include services such as bill

payment. Security features such as a minimum standard of 128 bit encryption, user

identification, authentication, authorization, system lockout, automatic timeouts and

double passwords are just some of the elements that offer protection and enhanced peace

of mind to users.

Unlike credit card companies who are free to create their own terms and conditions,

American banks are governed by Regulation E, of the Electronic Fund Transfer Act. This actestablishes the basic rights, liabilities, and responsibilities of consumers who use electronic

fund transfer services and of financial institutions that offer these services. The primary

objective of the act is the protection of individual consumers engaging in electronic fund

transfers.

3 . 0 B R I N G I N G O N L I N E B A N K I N G S E C U R I T Y T O T H E C H E C K O U T

1 1


Leveraging the impressive growth of online banking and online bill payment is a critical

step for a merchant looking to capture this lucrative market segment. The ability to take

advantage of the online bill payment infrastructure stems from the reliability, robustness,

scalability, and the critical mass of consumers who use it.

eBillme provides the bridge between consumers, merchants and online banking. It enables

consumers to shop on the web or through call centers, and pay conveniently through their

trusted banking portals. To consumers, the functionality is familiar, since they already pay

bills online, and they do not need to setup a new account or fill out any application forms.

eBillme works at any bank, credit union, or online bill pay portal that offers online bill

payment, making eBillme available at over 17,000 financial institutions.

The Alternative to Debit Cards

eBillme works at any

bank, credit union, o

online bill pay portathat offers online bil

payments, making

eBillme available at

over 17,000 financia

institutions


14/17

By 2009, the number of Americans using online banking is forecast to grow to over 110

million. Offering these individuals a safe, secure and easy-to-use online payment option is

of critical importance to the online merchant looking to increase conversion and boost

sales.

Brought to you by MODASolutions, eBillme is the only online payment solution that

extends the convenience of online banking to the merchants checkout, reducing the

security risks of shopping online for both consumers and retailers. No financial data is

exposed over the Internet to the retailer, and the payment transaction is securely

transferred from the customers bank to the retailers bank. Consumers can shop online, bycatalog or through call centers, and pay for their purchases at their bank, credit union, or bill

pay portal, with the security and convenience of online banking. eBillme allows retailers to

access the millions of Americans who currently use online banking.

4 . 0 B U I L D I N G C O N F I D E N C E

1 2


Shoppers who pay with eBillme benefit from the eBillme Buyer Protection program, which

gives consumers who pay cash for their online purchases the enhanced security and

assurance services typically associated with premium credit cards. A lowest price guarantee,

100 percent purchase satisfaction, in transit protection and payment protection ensure that

a consumer can shop with complete confidence. This program is managed by eBillme at no

cost to the merchant.

When an online shopper pays with eBillme, they automatically qualify for the eBillme Buyer

Protection program, at no extra charge. eBillme purchases are protected by the following

features:

Giving customers peace of mind every time they checkout with the eBillme Buyer

Protection program.

Peace of Mind

eBillme is the only

online payment

solution that extend

the convenience of

online banking to th

merchants checkou

reducing security

risks of shopping

online for both

consumers and

retailers.

Best Prices Guarantee: eBillme ensures that your customers get the best

possible prices and refunds the difference if they find the same item at a lower

price.

Fraud Protection: eBillme safeguards your customers from unauthorized

transactions by providing zero fraud liability.

Satisfaction Guarantee: eBillme provides your customers with a money-back

guarantee if they are dissatisfied with their purchase.

Shipping Protection: eBillme protects your customers from loss, theft, or

damages that occur during shipping.
http://www.ebillme.com/https://www.ebillme.com/index.php/community2/merchants/buyer_protection_merchants/https://www.ebillme.com/index.php/community2/merchants/price_protectionhttps://www.ebillme.com/index.php/community2/merchants/price_protectionhttps://www.ebillme.com/index.php/community2/merchants/fraud_protectionhttps://www.ebillme.com/index.php/community2/merchants/fraud_protectionhttps://www.ebillme.com/index.php/community2/merchants/return_guaranteehttps://www.ebillme.com/index.php/community2/merchants/return_guaranteehttps://www.ebillme.com/index.php/community2/merchants/in_transit_protectionhttps://www.ebillme.com/index.php/community2/merchants/in_transit_protectionhttps://www.ebillme.com/index.php/community2/merchants/return_guaranteehttps://www.ebillme.com/index.php/community2/merchants/in_transit_protectionhttps://www.ebillme.com/index.php/community2/merchants/fraud_protectionhttps://www.ebillme.com/index.php/community2/merchants/price_protectionhttps://www.ebillme.com/index.php/community2/merchants/buyer_protection_merchants/http://www.ebillme.com/


15/17

1 3


At checkout, shoppers simply select eBillme as their payment option and an electronic bill

(eBill) is presented to them to confirm their purchase. By following the instructions in the

eBill, consumers login directly to their online bank account and pay the invoice using

available funds in their checking or savings account. No financial data is exposed over the

Internet to the retailer, and the payment transaction is securely transferred from the

customers bank to the retailers bank.

For more information on eBillme, please contact [email protected] and visit

www.eBillme.com.

Ease of Use

eBillme is fast, easy, and best of all - there is no signup therefore users never have toshare their financial information.
mailto:[email protected]://www.ebillme.com/http://www.ebillme.com/mailto:[email protected]


16/17

As consumers online shopping and payment habits evolve, the number of online shoppers

looking for alternative payment solutions will continue to grow. By 2010, it is expected that

15% of consumers will choose not to use their credit and debit cards online, opting instead

for payment options that offer security from fraud and enhanced buyer protection. Online

shoppers are looking for options that give them a sense of choice and control. Merchants

that address consumers concerns and perceptions will attract the highest conversion rates

on their e-commerce sites.

By offering an alternative cash-based payment option such as eBillme, online merchants

have a significant opportunity to tap into a consumer segment that values security, privacy,control, and enhanced buyer protection when shopping online. Existing payment options

have not addressed the fraud and privacy concerns of the average consumer. Online

banking brings the merchant 110 million consumers who value security and who trust their

banks when making payments. Using eBillme, consumers can safely shop online with

security and peace of mind not provided by credit and debit cards.

The eBillme Buyer Protection program is the only alternative payment option that provides

premium credit card protection to consumers who prefer to use cash. Customers can shop

with complete confidence knowing that every eBillme transaction is guaranteed and

protected. By offering price protection and a satisfaction guarantee, online merchants willincrease sales and attract new customers. eBillme ensures that consumers always have

secure and successful online checkout experiences, converting hesitant shoppers into

confident spenders.

CONC L U S I ON

1 4


By 2010, it is

expected that 15% o

consumers will not

be using their credit

and debit cardsonline, opting instea

for payment options

that offer security

from fraud and

enhanced buyer

protection.
https://www.ebillme.com/index.php/community2/merchants/buyer_protection_merchants/https://www.ebillme.com/index.php/community2/merchants/buyer_protection_merchants/


17/17

E-payment fraud reaches $3.6 billion for 2007, or 1.4% of sales, study says

http://www.internetretailer.com/dailyNews.asp?id=25394

The dark secrets of debt

http://www.consumerreports.org/cro/money/credit-loan/debit-cards/the-dark-secrets-of-

debit-9-07/overview/the-dark-secrets-of-debit-ov.htm?loginMethod=auto

Why you should never own a debit card

http://www.americanchronicle.com/articles/49784

Economy fitful, Americans start to pay as they go

http://www.nytimes.com/2008/02/05/business/05spend.html?_r=1&th&emc=th&oref=slo

gin

F U R T H E R O N L I N E S O U R C E S

1 5

http://www.internetretailer.com/dailyNews.asp?id=25394http://www.consumerreports.org/cro/money/credit-loan/debit-cards/the-dark-secrets-ofdebit-http://www.consumerreports.org/cro/money/credit-loan/debit-cards/the-dark-secrets-ofdebit-http://www.americanchronicle.com/articles/49784http://www.nytimes.com/2008/02/05/business/05spend.html?_r=1&th&emc=th&oref=slohttp://www.nytimes.com/2008/02/05/business/05spend.html?_r=1&th&emc=th&oref=slohttp://www.nytimes.com/2008/02/05/business/05spend.html?_r=1&th&emc=th&oref=slohttp://www.americanchronicle.com/articles/49784http://www.consumerreports.org/cro/money/credit-loan/debit-cards/the-dark-secrets-ofdebit-http://www.internetretailer.com/dailyNews.asp?id=25394

Alternative Payment Options - Converting Hesitant Shoppers Into Confident Spenders

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Transcript of Alternative Payment Options - Converting Hesitant Shoppers Into Confident Spenders