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A pesar del calor, viene con ganas la actualidad del ecommerce puesto que no para incluso en estas fechas. Empezamos hablando de que Clearpay cesa sus operaciones desde ya en España y en otros dos países en Europa y de que Google es protagonista por dos noticias: la primera porque ha lanzado un probador de ropa virtual en Google Shopping en USA y por otro lado que la Comisión Europea ve indicios de posición dominante. Por otro lado, no dejamos el tema de la IA de lado porque Checkout.com como Havas Media Network han anunciado esta semana dos herramientas nuevas que permiten mejorar la conversión y aumentar la cesta de la compra con diferentes aplicaciones. Entre otras noticias, destacamos que Tik Tok Now abandona sus funcionalidades en la plataforma social china debido a la poca aceptación que ha tenido desde que decidió adoptarla tras el auge de BeReal. Newsletter: https://ecosistemaecommerce.com/newsletter/ Web: https://ecosistemaecommerce.com/ Linkedin: https://www.linkedin.com/in/javierlopezrod/ Facebook: https://www.facebook.com/ecosistemaecommerce Twitter: https://twitter.com/ecosistemaecomm Youtube: https://www.youtube.com/channel/UCE2zroaDzTVZRwNOh5Ma9cg

La semana 26 del año ha estado carga de noticias. Comenzamos con una noticia de última hora sobre el cese de operaciones de Clearpay y continuamos hablando de los cambios de dirección dentro de Alibaba, la nueva sección de compra de TikTok y la demanda a Amazon por las suscripciones Prime. Aunque no han sido los únicos temas tratados en esta edición.

On our previous episode, we spoke about the Buy Now Pay Later industry and the players that rode the pandemic to all time highs! But what we didn't talk about was the chaos that ensued post covid!..Affirm's stock price dropped over 90% since November 2021, AfterPay fell more than 80%, and Klarna saw a decline of over 70%.So what's behind this turbulence? Rising interest rates, inflation concerns, and worries about consumer debt have left investors scratching their heads. But don't worry, we're here to make sense of it all!In this episode, we'll explore the challenges facing the BNPL industry and how it's adapting to the economic storm. We'll also discuss the importance of responsible spending and share some tips to ensure you're making informed decisions when using BNPL services.Regulatory Scrutiny. BNPL is a relatively new product, and there is no clear regulatory framework for it. This has led to concerns about consumer protection and financial stability. Some BNPL companies have been fined for violating regulations. For example, in 2022, the Financial Conduct Authority (FCA) in the United Kingdom fined Klarna £39 million for failing to adequately assess the affordability of its products to consumers. The FCA also fined Clearpay £20 million for similar reasons.Helpful LinksSupport the show

In this episode we speak with our Gen Z guest, Fatima Diallo, about her brutally honest views regarding Gen Z and their finances. We discuss what Fatima describes as a distrust in traditional banks, what saving methods Gen Z are using and how brands should approach talking to this demographic about their expenditures. We explore why Fatima feels Klarna and ClearPay methods are so popular with younger generations, and how there seems to be a lack of financial education in schools. About Imagen Insights: Our mission is to help Gen Z to shape their future. We know this is best done with brands, as brands shape countries and culture like many only wished they could. We enable brands to crowdsource feedback, ideas and insights from our global Gen Z community within 72 hours via our platform. Website: ⁠⁠www.imageninsights.com⁠⁠ Your host: ⁠⁠Sinead Lambe⁠⁠ Guest: Fatima Diallo

In our second episode recorded live at the World Retail Congress in Barcelona, our special guest is author and customer-centricity thought leader Martin Newman.While being customer-centric is a stated priority of most brands, many have a hard time delivering on the promise. Martin helps us understand the challenges and the essential building blocks of putting customers first, while laying out how to find your brand's North Star and assemble a truly holistic approach.First up, however, are our hot-takes on the week in retail news, including another trip to the Wobbly Unicorn Corner as "retail disruptors" like Allbirds and Wayfair continue to set alarms off with disappointing earnings results. Better news comes from Walmart with the naming of a new top merchant, while Amazon offers Prime customers an incentive to play fetch.About MartinMartin is one of the world's leading authorities on customer centricity, and a force for positive change for consumers and brands.As well as fighting for consumer rights Martin is an advocate for diversity, social responsibility and employee engagement for all consumer facing sectors. These issues top the agenda in his media appearances across national press and television.He appears regularly on BBC TV and Radio, on Sky, ITV, Channel 5 and a host of other media channels such as LBC, The Times and FT to discuss consumer issues relating to the retail, travel, casual dining, automotive and financial services sectors.Martin has worked for 40 years leading the multichannel operations for some of the world's most recognisable retail brands. These include Burberry, Intersport, Pentland Brands (Speedo, Berghaus), Harrods and Ted Baker. His bestselling book 100 Practical Ways to Improve Customer Experience, is seen as definitive within the sector and was shortlisted for the Business Book of the Year Award 2019.Following his career in the consumer sector, Martin founded global ecommerce and digital consultancy Practicology, which was sold in 2018 after having scaled up to a global staff of 100 in offices across the UK, EU, Middle East and Asia. Martin has since set up The Customer First Group and new consumer facing website Customer Service Action.Martin delivers keynote presentations and chairs many leading industry events around the World. He has shared stages with innovators and entrepreneurs alike, including Sir Tim Berners-Lee, inventor of the World Wide Web, to discuss the future of the internet and its implications for retailers.Amongst Martin's many accolades, he has featured in various industry leader lists including Retail Week's top 50 eTail Power List five years in a row. He has also been named consecutively in the Retail Insiders top 100 Retail Movers & Shakers list, as well as the British Vogue Online Fashion 100.Martin judges numerous industry awards such as the World Retail Awards, the Customer Experience Awards, the Retail Insider Awards, the PayPal eTail Awards, the Online Retail Awards of Australia and the Great British Entrepreneur awards.Martin's counsel also encompasses roles as Non-Executive Chairman of Scout Store, and Board Advisor working with the Boards of consumer-facing businesses on their key strategic questions and challenges. He is also a board advisor to Clearpay, the Mayborn Group and is a Trustee of In Kind Direct and a member of the prestigious KPMG IPSOS Retail Think Tank. About UsSteve Dennis is an advisor, keynote speaker and author on strategic growth and business innovation. You can learn more about Steve on his       website.    The expanded and revised edition of his bestselling book  Remarkable Retail: How To Win & Keep Customers in the Age of Disruption is now available at  Amazon or just about anywhere else books are sold. Steve regularly shares his insights in his role as a      Forbes senior contributor and on       Twitter and       LinkedIn. You can also check out his speaker "sizzle" reel      here.Michael LeBlanc  is the Founder & President of M.E. LeBlanc & Company Inc and a Senior Advisor to Retail Council of Canada as part of his advisory and consulting practice.   He brings 25+ years of brand/retail/marketing & eCommerce leadership experience, and has been on the front lines of retail industry change for his entire career.  Michael is the producer and host of a network of leading podcasts including Canada's top retail industry podcast,       The Voice of Retail, plus  Global eCommerce Leaders podcast, and The Food Professor  with Dr. Sylvain Charlebois.    You can learn more about Michael   here  or on     LinkedIn. Be sure and check out Michael's latest venture for fun and influencer riches - Last Request Barbecue,  his YouTube BBQ cooking channel!

In this week's episode I speak to Anthony Purkiss, Co-Founder and Director of Make, a digital and creative agency, based in Farringdon.Join us whilst we talk about using EDISC to understand the team and the power of being an early adopter and how that enables success.Anthony also shares his thoughts about whether naivety is a form of bravery and courage and the frustration of wanting to speak up, but not doing so.Key takeaways include:Having a fixed mindset versus a growth mindsetLeveraging the different personality traits of your teamThe value of freedom in the business worldIn the nine years that Make has been in operation, Anthony and his team have attracted major clients such as IBM, Accor, Asana, Mollie's by Soho House, ClearPay, and De Beers.Anthony believes in a flat company structure and fosters a culture where all creative ideas are valued.Useful links:website: https://www.thechangecreators.com  linkedin: https://www.linkedin.com/in/joannahowes/For Leadership and team coaching and training, you can message me at joanna.howes@thechangecreators.com and we can book a call. website: https://www.thechangecreators.com linkedin: https://www.linkedin.com/in/joannahowes/youtube: https://www.youtube.com/channel/UC2kZ-x8fDHKEVb222qpQ_NQ

Zum Start in eine neue Woche gibt es News zur Krypto Exchange Binance und dem 500 Millionen US Dollar Hilfspaket.Ihr erfahrt von dem Ausgang einer wilden Crypto.com Story und was hinter dem neuartigen NFT Projekt von GotFrenchie steckt.Und neben unserem täglichen Blick auf den Krypto Chart und den Floorpreisen auf Opensea, gibt es alle bekannten Infos über die beeple Factory und dem Metaverse Einstieg von Clearpay.Also viel Spaß mit der heutigen Folge von ALL IN NFT.** weitere freiwillige Unterstützung:https://www.patreon.com/user?u=86396667Newsletter Barista Insights by Mic_Sebhttps://tab728b31.emailsys1a.net/247/735/e3ee874dc3/subscribe/form.html?_g=1695576545ALL IN NFT Homepage:https://www.allinnft.de/ALL IN NFT Merchandising Shop:https://all-in-nft.myshopify.com/Opensea Kollektion ALL IN NFT:https://opensea.io/assets/ETHEREUM/0x71608b3551895385637d59c3713e7369ecac2e97/0Linktree :https://linktr.ee/mic_sebDiscord: https://discord.gg/4js6Pg7FJkTwitter: @MicSeb91https://twitter.com/MicSeb91Twitch: https://twitch.tv/mic_sebYouTube: All in NFThttps://www.youtube.com/@Mic_Seb**Blockpit Code für deine einfache Steuererklärung mit Krypto und NFT Wallets:https://blockpit.cello.so/v7peWE3ssIIKontakt:Sebastian@allinnft.deGM Coffee Handy:+491733544148Bei den oben genannten Themen handelt es sich um keine Anlageberatungen. Der Podcast dient lediglich der Unterhaltung.Die mit ** gekennzeichneten Links sind sogenannte Affiliate-/ oder Unterstützungs-Links. Kommt über einen solchen Link ein Einkauf zustande, werde ich mit einer Provision beteiligt. Für Dich entstehen dabei keine Mehrkosten. Wo, wann und wie Du ein Produkt kaufst, bleibt natürlich Dir überlassen. --- Send in a voice message: https://podcasters.spotify.com/pod/show/sebastian-michels7/message

Apple will launch a new ‘buy now pay later service' (BNPL) scheme in the US to spread the cost of purchases over four to six weeks. The BBC reported last December that over 15 million people in the UK are already using BNPL services run by the likes of Klarna, Clearpay, Laybuy and PayPal. Challenge to traditional; banks. Citizens Advice reported concerns that 12 million adults are using BNPL services to pay for essentials such as food a toiletries. Deferring payment will be made even easier with millions of iPhone users tapping their way into easy debt. The BNPL market is expected to be worth £30 billion by the end of the decade. Apple's move comes as the cost of living has reached new highs with the cost of unleaded petrol hitting £2 per litre! One haulage firm said the cost of fuelling a truck has risen by £20,000 a year, which will be passed on to customers. The pound fell this week after Boris Johnson survived a vote of no confidence. Although the Queen's Jubilee celebrations gave a welcome boost to spending on hospitality, consumer spending was down in May as the cost of living continued to rise, according to the British Retail Consortium. Food prices continue to soar as India bans wheat exports and shortages are starting in some countries. There is nothing new about consumer debt, but the speed and ease of obtaining credit almost instantaneously has changed in the last few years. Consumer debt is “dumb” according to Warren Buffett, one of the world's richest and most successful investors. There has never been a more pressing time to learn how to manage your money – you can watch my free training video by clicking here - https://bit.ly/3H2WcbA Good debt, used for instance to purchase assets, such as property, or start businesses, is smart borrowing, as I explain in my book, Borrow and Grow Rich. The rich and wealthy have been using smart borrowing or ‘other people's money (OPM) for centuries to finance business ventures and build huge property portfolios. You can learn the secrets of property investing using OPM and build your own portfolio. With inflation running at near double figures the real purchasing power of your cash is being eaten away and will halve every 8 years if consumer prices continue to rise by 9%pa. However, you can use inflation to your advantage using the right assets and good debt. FREE TRAINING – PROPERTY INVESTING SECRETS This Property Investing Secrets free training webinar is designed by the industry's top investing trainers to bring you 120 minutes of valuable content; providing you with the tools to successfully invest in buy-to-let properties, raise finance and build a mighty portfolio from the ground up. Live training Wednesday 8 June 2022 at 7pm UK time. CLICK TO JOIN THE LIVE ONLINE EVENT  https://bit.ly/3DlSlCL See omnystudio.com/listener for privacy information.

Apple will launch a new ‘buy now pay later service' (BNPL) scheme in the US to spread the cost of purchases over four to six weeks. The BBC reported last December that over 15 million people in the UK are already using BNPL services run by the likes of Klarna, Clearpay, Laybuy and PayPal. Challenge to traditional; banks. Citizens Advice reported concerns that 12 million adults are using BNPL services to pay for essentials such as food a toiletries. Deferring payment will be made even easier with millions of iPhone users tapping their way into easy debt. The BNPL market is expected to be worth £30 billion by the end of the decade. Apple's move comes as the cost of living has reached new highs with the cost of unleaded petrol hitting £2 per litre! One haulage firm said the cost of fuelling a truck has risen by £20,000 a year, which will be passed on to customers. The pound fell this week after Boris Johnson survived a vote of no confidence. Although the Queen's Jubilee celebrations gave a welcome boost to spending on hospitality, consumer spending was down in May as the cost of living continued to rise, according to the British Retail Consortium. Food prices continue to soar as India bans wheat exports and shortages are starting in some countries. There is nothing new about consumer debt, but the speed and ease of obtaining credit almost instantaneously has changed in the last few years. Consumer debt is “dumb” according to Warren Buffett, one of the world's richest and most successful investors. There has never been a more pressing time to learn how to manage your money – you can watch my free training video by clicking here - https://bit.ly/3H2WcbA Good debt, used for instance to purchase assets, such as property, or start businesses, is smart borrowing, as I explain in my book, Borrow and Grow Rich. The rich and wealthy have been using smart borrowing or ‘other people's money (OPM) for centuries to finance business ventures and build huge property portfolios. You can learn the secrets of property investing using OPM and build your own portfolio. With inflation running at near double figures the real purchasing power of your cash is being eaten away and will halve every 8 years if consumer prices continue to rise by 9%pa. However, you can use inflation to your advantage using the right assets and good debt. FREE TRAINING – PROPERTY INVESTING SECRETS This Property Investing Secrets free training webinar is designed by the industry's top investing trainers to bring you 120 minutes of valuable content; providing you with the tools to successfully invest in buy-to-let properties, raise finance and build a mighty portfolio from the ground up. Live training Wednesday 8 June 2022 at 7pm UK time. CLICK TO JOIN THE LIVE ONLINE EVENT https://bit.ly/3DlSlCL

On this episode of the RETHINK Retail Podcast, Marni Schapiro, the Head of Global Advertising & Affiliate Partnerships at Afterpay, shares some interesting financial insights on Gen Z consumers and reveals why it's critical for retailers to seek new platforms to market and advertise themselves on. Prior to joining Afterpay, Marni built her career with editorial companies like Marie Claire and Cosmo and tech giants like Google and Snap. Afterpay is an alternative payments platform that allows consumers across Australia, New Zealand, Canada and the United States to shop and purchase products in 4 installments over 6 weeks. Afterpay is also available in France, Italy, Spain, and the UK where they're known as Clearpay. If you enjoyed this episode, please let us know by subscribing to our channel and giving us a 5 star rating us on Spotify and Apple Podcasts. - - - - - - Hosted by Julia Hare Produced by Gabriella Bock Edited by Chase Atherton

Our expert host, Benjamin Ensor, is joined by some great guests to break down how fintech currently operates in Singapore. In the decades after gaining independence in 1965, Singapore rapidly developed from a low-income country to a high-income country. With this, came a push for better financial services and the island nation has established itself as one of Asia and the world's key financial hubs. So today we're talking about how things look in 2022, what challenges there are still to overcome, and what's next for Singapore's ecosystem? This week's guests include: Jonas Thürig, Head, F10 Singapore Dayana Yermolayeva, CEO & Co-Founder, JiPay This episode is sponsored by Austrade Everyone wants to stay ahead of the fintech curve, and a great way to start is by powering your investment portfolio with Australia's best and brightest fintechs. From buy-now-pay-later, to open banking, from embedded finance, to global payments - it won't be long before the next Clearpay, Cover Genius or Airwallex hits the international stage. Learn more today, visit www.shinewithaustralia.com.au/fintech Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It's hosted by a rotation of 11:FS experts including David M. Brear, Simon Taylor, Jason Bates and Gwera Kiwana, as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking. If you enjoyed this episode, don't forget to subscribe and please leave a review Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com! Special Guests: Dayana Yermolayeva and Jonas Thürig.

Our expert hosts, David M. Brear and Sim Rai, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. This week's guests include: Alan Ainsworth, Head of Policy, OBIE Axel Bruzelius, Founder and COO, ArK Kapital With soundclips from: Shaun Port, Managing Director of Savings and Investments, Chase UK We cover the following stories from the fintech and financial services space: CMA to create regulatory body to oversee open banking industry - 4:00 Stockholm-based ArK Kapital raises €165 million to help startups grow faster and smarter - 15:45 JP Morgan's Chase launches UK saver with "market-leading" interest rate - 25:16 Kadmos snaps €8.3 million to transform salary payments for migrant workers - 33:50 Bank of England joins MIT CBDC roster - 42:00 Chip raises £6.5m crowdfund on path to becoming saving and investing super app - 43:20 Mobile wallets to be adopted by over one-third of global population by 2024 - 44:40 The CEO of Goldman Sachs is set to DJ at Lollapalooza 2022 - 45:40 This episode is sponsored by Austrade Everyone wants to stay ahead of the fintech curve, and a great way to start is by powering your investment portfolio with Australia's best and brightest fintechs. From buy-now-pay-later, to open banking, from embedded finance, to global payments - it won't be long before the next Clearpay, Cover Genius or Airwallex hits the international stage. Learn more today, visit shinewithaustralia.com.au/fintech (www.shinewithaustralia.com.au/fintech) Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It's hosted by a rotation of 11:FS experts including David M. Brear, Simon Taylor, Jason Bates and Gwera Kiwana, as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking. If you enjoyed this episode, don't forget to subscribe and please leave a review Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com! Special Guests: Alan Ainsworth, Axel Bruzelius, and Shaun Port.

In this episode - in association with Callsign - our expert host, David M. Brear, is joined by some great guests to talk about the best approach to tackling financial fraudsters! The idea that organisations can leverage data to gain an understanding of their customers is better understood than it once was – but what this actually looks like in practice and how does it come to life? From reducing fraudulent transactions, to improved UX, to compliance with regulators – data leverage and enrichment opens up so many avenues for financial organisations. This week's guests include: Christopher Stephens, Head of Solution Engineering (UK, Europe & South Africa), Callsign PJ Rohall, Fraud Subject Matter Expert, Featurespace Livia Benisty, Global Head of Business AML, Banking Circle This episode is sponsored by Callsign Callsign makes digital life smoother and safer by helping organizations establish and preserve digital trust so people can get on with their digital lives. The first true representation of identity online, Callsign positively identifies users by their unique characteristics, replicating real-life recognition signals with AI models. The only solution to identify people across every journey, channel, and brand, Callsign makes digital identification seamless and secure, helping drive business growth. Find out more at callsign.com (www.callsign.com). This episode is sponsored by Austrade Everyone wants to stay ahead of the fintech curve, and a great way to start is by powering your investment portfolio with Australia's best and brightest fintechs. From buy-now-pay-later, to open banking, from embedded finance, to global payments - it won't be long before the next Clearpay, Cover Genius or Airwallex hits the international stage. Learn more today, visit shinewithaustralia.com.au/fintech (www.shinewithaustralia.com.au/fintech) Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It's hosted by a rotation of 11:FS experts including David M. Brear, Simon Taylor, Jason Bates and Gwera Kiwana, as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking. If you enjoyed this episode, don't forget to subscribe and please leave a review Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com! Special Guests: Christopher Stephens, Livia Benisty, and PJ Rohall.

Our expert hosts, David M. Brear and Deepa Anikhindi, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. This week's guests include: Charles McManus, CEO, Clearbank Eric Glyman, Co-founder & CEO, Ramp With soundclips from: Eslam Darwish, General Partner, Nclude We cover the following stories from the fintech and financial services space: Ramp confirms new $8.1bn valuation - 4:28 ClearBank raises $230m to expand into Europe and the US - 18:15 Apple buys UK fintech start-up Credit Kudos - 34:15 Egypt state banks setting up $85m fintech innovation fund - 43:45 "Very, very unlikely" big banks will have high-street branches, says Anne Boden - 52:30 EPI abandons plan for Visa and Mastercard rival as member banks quit - 53:30 NatWest to pilot carbon tracking app with SMEs - 54:55 Bristol pound notes to be transformed into giant shoal of fish - 56:05 This episode is sponsored by Austrade Everyone wants to stay ahead of the fintech curve, and a great way to start is by powering your investment portfolio with Australia's best and brightest fintechs. From buy-now-pay-later, to open banking, from embedded finance, to global payments - it won't be long before the next Clearpay, Cover Genius or Airwallex hits the international stage. Learn more today, visit shinewithaustralia.com.au/fintech. Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It's hosted by a rotation of 11:FS experts including David M. Brear, Simon Taylor, Jason Bates and Gwera Kiwana, as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking. If you enjoyed this episode, don't forget to subscribe and please leave a review Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com! Special Guests: Charles McManus, Eric Glyman, and Eslam Darwish.

Reed Taussig, Chief Executive Officer, OutseerMore than 17 million UK customers have used BNPL products, and many banks are moving into the field to compete with the likes of Klarna and Clearpay. Growth in fraud is inevitable, including the creation of fake accounts to purchase high-value items and the hijacking of existing customer accounts. So, what can be done to protect both merchants and consumers, as well as banks themselves? As Reed Taussig, CEO of Outseer, tells Robin Amlôt of IBS Intelligence, machine learning tools may be used to determine the likelihood of a transaction being fraudulent. Firms may also opt for biometric facial detection capabilities to enrol new account holders.

Debt expert Tommy is back for another conversation and we reflect on the January blues and the stress that can follow the Christmas period... We discuss Buy Now Pay Later schemes such as Klarna and ClearPay and how people can fall into that trap... And we talk about how people have gone from sleepless nights and miserable days, to enjoying life again after taking even the smallest steps to address their money and debt worries. www.dontfretaboutdebt.net/blethered/ Contact: seanmcdonald.podcast@gmail.com Twitter: https://twitter.com/seanmcdonald01

Bonjour et bienvenue dans la revue de presse hebdo et audio du secteur retail / e-commerce en France proposée par Les Digital Doers. Nous sommes le 12 novembre 2021 et au sommaire cette semaine, 6 articles : 1) Pourquoi la confiance s'érode entre les marques et leurs clients ? (Emarketing.fr) 2) Chine: Alibaba fait profil bas malgré des records de ventes lors des soldes (BFMTV) 3) Maisons du Monde prend des engagements sur son offre en produits responsables (Les Echos) 4) La stratégie de Carrefour pour accélérer dans l'e-commerce (FrenchWeb) 5) Amazon étend ses livraisons zéro émission en dehors de Paris (Le Siècle Digital) 6) Sur les sites Fnac et Darty, un vendeur en visio peut vous conseiller sur vos achats depuis un magasin (Business Insider) Je vous le rappelle, sur le site lesdigitaldoers.com, vous avez accès à une revue de presse qui rassemble les articles publiés dans la semaine sur les sites de news de notre écosystème. Vous pouvez vous y abonner pour recevoir chaque vendredi un digest de l'actualité dans votre boîte email. De cette revue de presse, je vous lis, sans interprétation, une sélection de quelques articles qui m'ont semblé pertinents à partager. Cette semaine je vous invite à écouter l'interview d'Aïda Faivre, DG France de Clearpay, leader mondial du paiement fractionné ! Une conversation qui vous permettra d'approfondir vos connaissances sur un secteur en pleine mutation : Bonne écoute, évidemment toujours sans coupure !  

Aujourd'hui, je vous invite à poursuivre notre connaissance du paiement en ligne, secteur en pleine mutation, avec la découverte d'un nouvel acteur sur le marché français mais qui est déjà le leader mondial du paiement fractionné. J'ai nommé Clearpay dont la maison mère Afterpay et ses plus de 16 millions de clients actifs, est depuis l'été dernier sous le coup d'une acquisition par Square pour 29 milliards de $. Clearpay est une plate-forme conçue pour faciliter les paiements de la nouvelle génération d'acheteurs, je veux parler ici des Millenials et de la Génération Z, en proposant le paiement en 4 fois, sans frais et omnicanal. Le parti pris de Clearpay est de proposer une expérience de shopping globale qui commence dans l'application de shopping et se termine par un paiement simplifié. Pour en parler, j'ai le plaisir de recevoir Aida Faivre, la directrice France de Clearpay. Avec elle, nous revenons sur les nouvelles habitudes d'achats et de paiement de ces jeunes consommateurs. Quelles sont les conséquences pour les marchands, les marques et les distributeurs ? Nous faisons ensuite un focus sur la proposition de valeur de Clearpay et vous comprendrez rapidement pourquoi cette approche du paiement diffère de ce que vous connaissez déjà, que vous soyez consommateur ou marchand. Nous terminons notre échange avec quelques business cases pour illustrer nos propos. Bonne écoute, toujours sans coupure !  

This week on the podcast, I am joined with Laura, founder of Financielle to help me discuss the pros and cons of buy now, pay later schemes such as Afterpay, Klarna, Laybuy and Clearpay. Click here to take advantage of the new Financielle app that is designed to help you start your financial wellness journey! For more All Things Money, make sure you give us a follow on Instagram, Twitter and Facebook! Fancy supporting the podcast? You can do so here.

Epic React has been on my radar ever since you started teasing it on Twitter. To me it feels like a "must have" that I "can't have". Obviously, it has a pretty hefty price tag, which I'm sure it more than warrants. But because of that price tag, it becomes unaffordable to me personally, and with my workplace being quite small, they're not always as forthcoming as I'd hope when it comes to paying for something like this either. I was wondering if you've ever considered adding payment options to your courses to make them more affordable in the short term, allowing people like me to pay over several months, potentially via a service similar to ClearPay or Klarna, or whatever else is out there! I'm sure there are more intricacies to something like this, but would love to hear your thoughts! Thanks! EpicReact.dev Credits

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Imagine going to buy your first property and realising that £50 spent at ASOS is the reason you can't buy your dream home. This is happening to thousands of people right now. In this episode, we explain how you can avoid this trap! Buy RapiFresh: https://buyrapifresh.com/products/rapifresh-garment-disinfectant-100ml SIGN UP FOR THE THREE CIRCLES OF WEALTH https://bit.ly/3oYG5C2 JOIN OUR PATREON https://www.patreon.com/Blackmillennialmoney DOWNLOADS Budgeting Tool: https://blackmillennialmoney.com/products/amaka-uches-budgeting-tool Buying a car tool: https://blackmillennialmoney.com/products/true-cost-of-car-ownership-calculator Diamond Buying Guide: https://blackmillennialmoney.com/products/diamond-engagement-ring-top-tips FOLLOW US Instagram https://www.instagram.com/bmmglobal/ Twitter: https://twitter.com/bmmglobalpod Website: https://www.blackmillennialmoney.com WHAT IS BLACK MILLENNIAL MONEY? This is Black Millenial Money, where we talk about how you can MAKE more money, KEEP more money, INVEST your money and SPEND your money on the finer things in life from a black millennial perspective. Every week your host and plug Joseph Nwosu sits down with finance experts, entrepreneurs and hustlers to find out how you can MAKE, KEEP, INVEST and SPEND your money! ***DISCLAIMER*** The information contained in this recording is not intended to be personal financial advice. You should always seek the advice of a professional before making any financial decisions and always do your own research. #BlackMillennialMoney

A group of charities has sounded warning bells over the growing use of buy-now-pay-later to buy goods. Citizens Advice, a network of legal, money and consumer groups, said many users were getting into debt and struggling to pay for food and bills. Buy-now-pay-later (BNPL) is increasingly popular among young people buying online, and at some High Street outlets. Citizens Advice said many consumers regretted using it and is calling for tougher regulation. It found that an alarming 45% of 18-to-34 year olds have used the payment option in the last year. The repayment option is advertised at online checkouts as an easy way of splitting or delaying payments on items such as clothing or electronics, with incentives such as it being "interest-free". In my experience, “Interest free” is a "slippery slope into debt". More worrying is that CA discovered that almost two-in-five (5.7 million) who have used BNPL in the last year didn't think it was "proper borrowing" and six million didn't fully understand what they were signing up for. It found a quarter of consumers regretted paying using these platforms, with consumers frequently saying they cannot afford repayments or are spending more than they expected. Citizens Advice said firms must overhaul their checkout processes and improve affordability checks. Both the Financial Ombudsman Service and Financial Conduct Authority had a greater role to play in the protection of consumers and regulation of the industry, it said. Alistair Cromwell, acting chief executive of Citizens Advice, said: "Buy Now Pay Later borrowing can be like quicksand - easy to unwittingly slip into and much more difficult to get out of. "It shouldn't be possible for people to sign up for credit without realising, and the fact this is happening so often signals that a drastic overhaul is needed. "This industry more than trebled in 2020, and while these products work for many shoppers, the regulator has rightly recognised the potential for harm. It must ensure robust consumer protection keeps pace with changes in how we shop," Mr Cromwell said. Several big - and smaller - names now operate in the fast-growing BNPL market, including Klarna, Clearpay, and Laybuy. PayPal launched a BNPL service last year. The charity warned that four-in-10 of those who've used BNPL in the last 12 months are struggling to repay. Source: BBC and Citizens Advice. If you are struggling with debt repayments in the UK, you can talk to the charity Citizens Advice. Other Money News City of London Plans To Convert Thousands Of Office Into Residential Units As Workers Staty At Home Over 50’s Hardest Hit By Unemployment The Office for National Statistics (ONS) has found older workers are amongst the hardest hit by unemployment over the last year. The decline in the employment rate for the over-50s has double the rate for those aged between 25 and 49. The Resolution Foundation added that after losing work, older workers take the longest to return. The effects of last year’s recession have not fully hit most people. The job furlough scheme, rent and mortgage payment holidays, tenant eviction ban, Stamp Duty Holiday and other government financial stimulus packages have cushioned people from the full blow of the economic downturn.  Similar packages are running in the US and many are coming to an end or about to expire. Whilst the government needs people to go out and spend to boost the economy, this is not the time to spend £600 of money you don’t have to buy clothes you cannot afford on credit!  There is good debt and bad debt.  An example of good debt is borrowing to buy assets, such as a business or property which put money in your pocket. An example of bad debt is the lady mentioned above or someone buying an expensive car they cannot really afford on credit.  Another example of bad or even crazy debt is borrowing to buy more risky investments such as Bitcoin or shares. See also: 95% Mortgages are back in the UK Property buyers overpaying to beat the Stamp Duty Holiday Get your business online today free  Free…FREE LIFETIME ACCESS. NO credit card needed to start building your website yourself. https://groovepages.groovesell.com/a/uy9VcdqIvopT #investment#money#taxreturns#makemoneyonline#groovefunnels#FREE See omnystudio.com/listener for privacy information.

Graham Johnston  welcomes the consumer champion, Martin Newman & payments expert Carl Scheible to the second episode of the podcast to discuss how to achieve true Customer Centricity across Omnichannel touch points. We delve into the careers and of both our guests,  explore what the word 'Omnichannel' means to both of them, and reflect on how brands are driving customer-centric transformation in a range of industries.   We get an exclusive 'blinkist-style' version of Martin's recent white paper on Customer Centricity and get expert insight from Carl about how disruptive payment options are helping brands to deliver seamless experiences. We also explore top tips from both Martin and Carl on what brands can do now to deliver customer centric transformation in these challenging times and un-box the clearpay service to deliver new payment options for customers. To find out more about the services and products discussed, please check out: Customer Service Action: http://www.customerserviceaction.com/ Clearpay: https://www.clearpay.co.uk/en-GB/index To get in touch with the host, Graham Johnston: graham@thinkomnichannel.com  or follow @TheOmniGuy

What exactly is ClearPay?  The CEO stops by to talk about what ClearPay does for the insurance sector and how it's solution provides back office efficiency for insurance brokers and insurers.  John also provides great insight into the concept of disruption within the insurance sector and how believe it or not, cheque fraud is still a big issue! Please rate, review and follow the podcast! See omnystudio.com/listener for privacy information. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.