Consumer Goods

Captain/Trader Kirk is on the bridge making multiple trades in multiple asset classes with his Klingon counterparty. Spock is in the middle office, reviewing trades, and determining that they’re entirely logical, Captain. Meanwhile, with both normal and extended settlement, initial and variation margins flow in and out of the bank as if the cash was […]

Readers of a certain age will remember when Maverick, played by Tom Cruise, in Top Gun told Goose that it was time to“Buzz the Tower,” which meant the fighter pilots had to execute a low fly-by passing very close to the control tower at high speeds. The officer spilled his coffee over himself because of […]

Customer experience (CX) is vital to the success of any business, and Perficient’s Lead Commerce Strategist Justin Racine joined CX expert Nichole Devolites on CMSWire’s CX Decoded podcast to share real-life examples of customer experience, from having to buy a gold velvet jacket twice to cancelling cable via AI chatbot. What You’ll Learn from the […]

Omnichannel is critical, but it can only help so much  Presenting the customer with a sleek and functional experience for online shopping is a top priority for leading retailers, making omnichannel retailing a key strategy in the industry. Omnichannel retail ensures a brand presents consistently across all customer-facing channels. However, omnichannel retailing alone has not […]

Throughout history and across cultures, women have been forbidden from opening bank accounts, owning property, and taking out loans. Fortunately, most societies today don’t legally bar women from partaking in these tasks, but the ancient history of shutting doors on women seeking greater financial control has left an undeniable gender gap in the world of […]

Despite surviving both the Great Depression and the Great Recession, not even enduring luxury retail giant Nieman Marcus could escape COVID-19’s interruption of indoor shopping. When Neiman Marcus emerged from bankruptcy after a tumultuous 2020, the company smartly pivoted towards a new plan for targeting consumers. The 115-year-old luxury retailer would laser-focus on their most […]

In our last blog, How Embedded Finance is Changing Purchasing & Borrowing Behaviors, we looked at embedded payments and loans and why companies would want to offer (increased sales, lower inventory, processing costs, data gathering) these bank-like services. In this blog, we’re going to stay in the world of finance, but pivot to embedded insurance.  […]

Life is full of intersecting points. The payments industry is no different, and we’re quickly approaching a new intersection point due to the Real-time Payments’ movement into the US. These days, as the US prepares to embrace real-time payments in 2023, the intersection of real-time payments and automation has become a key point of discussion. […]

In “Behind the Golden Arches” by John Love, the author shares an anecdote of how in the early days of McDonald’s, the company was having cashflow problems despite its being a significant source of revenue for many farmers. In a meeting with a particularly large farmer who had made significant money from selling tomatoes, lettuce, […]

Retailers are constantly seeking new ways to meet the ever-growing demands of their customers. In today’s digital age, customers expect a seamless and convenient shopping experience, whether they purchase online or in the store. With this in mind, it is crucial for retailers to consider the benefits of investing in technology that allows customers to […]

Across industries, consumers are communicating the same demands; they see the thing, they want the thing, and they want it in their hands within hours, if possible. And if it’s not possible, they wonder why not since it usually is through Amazon. Because money is what makes the world go-’round, the payments industry has responded […]

In the first blog in this series, Getting Started On Embedded Finance,  we defined embedded finance and took a high-level look at the goals and strategy a firm should take at the outset of its modern embedded finance journey.  In this blog, we will look at how a non-banking company can offer bank-like perks to […]