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ITB Berlin 2025: Insights and Learnings of the Hotel Payments Landscape

Discover key takeaways from ITB Berlin 2025 on hotel payments, AI-driven guest experiences, staff-less hotels, and payment innovations.

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Fintech on the Move: Unravelling Chinese Domestic and Global M&A Strategies

Fintech on the Move: Unravelling Chinese Domestic and Global M&A Strategies

In the dynamic landscape of Chinese fintech, a seismic shift is reshaping strategies as firms grapple with economic headwinds and increased regulatory scrutiny at home. Seeking avenues for sustained growth, Chinese fintech players are expanding their horizons beyond mainland China. Euan Jones, Associate Consultant at Edgar, Dunn & Company, explores the history of Ant Group and the implications for Chinese fintech.

Fintech
Strategy Consulting
by EDC Team | Mar 01, 2024
13 min listen
13 min read
Growth
M&A
Returns: How optimising the customer checkout journey can turn a financial void into a cash cow

Returns: How optimising the customer checkout journey can turn a financial void into a cash cow

In 2022 the EDC retail payments practice asked the question “Can retailers ban a customer who returns too much?” and in another article described the “5 best practices to improve the returns process that will increase sales”. Justine Morvan (Business Analyst, London) has returned (no pun intended) to the persistent challenge of merchant returns to see how optimising the customer checkout journey can help.

Retail
Payment Optimisation
by Justine Morvan | Mar 01, 2024
13 min listen
13 min read
e-commerce
Omnichannel
Digital payments
The Merchant’s Guide to the Payment Acceptance Maze: Avoiding Hidden Fees and Maximizing Profits

The Merchant’s Guide to the Payment Acceptance Maze: Avoiding Hidden Fees and Maximizing Profits

Accepting and managing payments has evolved into a complex affair for many retailers across North America, with more payment methods, new customer journeys, blurring of physical and digital sales channels, and increasing fraud. These factors are all contributing to increasing inefficiencies in how retailers accept and manage payments, with the Cost of Payment Acceptance (CoPA) slowly rising. In this article, Mark Beresford (Head of the Retail Practice, London) and Davide Villa (Senior Consultant, San Francisco) jointly looked at some of these factors, and how EDC’s proprietary 360° Payment Diagnostic Methodology can support retailers in reducing and future-proofing the cost of accepting payments.

Retail
Payment Optimisation
by Mark Beresford | Mar 01, 2024
11 min listen
11 min read
Acquiring
e-commerce
Retail
Get Ready, Retailers: The Digital Markets Act Changes Everything - Here's What You Need to Know

Get Ready, Retailers: The Digital Markets Act Changes Everything - Here's What You Need to Know

Are gatekeepers the new “resistance to access” where online platforms act as powerful intermediaries controlling the entry to a sizable segment of consumers and businesses within the digital market? The term "gatekeeper" can have different meanings depending on the context. In this article, Mark Beresford (Director, London), has looked at the implications of the EU's Digital Markets Act (DMA) for in-store retailer contactless payments as this wide-sweeping legislation comes into force on 6th March 2024.

Retail
Payment Optimisation
by Mark Beresford | Mar 01, 2024
7 min listen
7 min read
Digital payments
Unified commerce
How to mitigate the environmental cost of payment cards?

How to mitigate the environmental cost of payment cards?

In 2022, 26 billion plastic cards were in circulation, totalling 130,000 tons of plastic, 10 times the weight of the Eiffel Tower. In addition to PVC, payment cards are made of toxic materials that are hard to recycle and harmful when incinerated or left to decompose in landfills. The environmental impact of this continuous production of ephemeral items is substantial. Justine Morvan (Business Analyst, London) has looked at the various initiatives the payments industry can take to reduce the environmental impact. This article also describes the EDC Environmental Card Framework, a set of guidelines designed to limit the environmental impact of payment cards.

Issuers & Account Providers
Product Innovation
by Justine Morvan | Feb 01, 2024
7 min listen
7 min read
B2C
Italy's Digital Divide: Cash versus Cards in a Land of Tradition

Italy's Digital Divide: Cash versus Cards in a Land of Tradition

In Italy, the usage of payment cards has historically been lower than in other European countries, with cash continuing to be the preferred payment method among consumers, influenced by several cultural factors. However, payment card usage has increased- from 13% of the total consumer transaction volumes in 2019 to 26% in 2022. Elisabetta Nadal (Business Analyst, London) reviews the dynamic changes in payment acceptance trends in Italy within the broader context of the evolving payment landscape in Europe.

Retail
Product Innovation
by Elisabetta Nadal | Feb 01, 2024
5 min listen
5 min read
Digital payments
Alternative
Mobile Payments

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