Consumer habits seem to have shifted permanently towards the Internet. Admittedly, growth in e-commerce has slowed slightly, after years of strong growth accentuated by the particular context of the health crisis and successive lock-ins. But the advent of new technologies and ever-higher expectations in terms of customer experience promise a bright future for online purchases, driven in particular by the use of smartphones. As a result, the need for a smooth shopping experience is becoming ever more important, and the conversion rate is more than ever at the heart of the challenge.

Collecting data, securing user journeys, making shopping experiences more fluid... These aspects of e-commerce are more crucial than ever, in response to the many challenges facing e-tailers. The need to ensure that payments are as secure and compliant as possible, innovation and development to enhance the attractiveness of platforms, and the importance of being able to concentrate with complete peace of mind on their core business are all decisive factors. 

Payment service providers (PSPs) are at the heart of the process of striking the right balance between the need for protection and the quality of the user experience. But merchants still need to be given the support they need to meet the challenges they face, so that they can be effective without overburdening their processes.

A personalized, end-to-end support approach is the key to success when it comes to payment management. This enables us to provide online merchants with in-depth analyses to establish profile typologies based on customer data and their context. 

In 2021, the e-commerce sector in France recorded a 15.1% increase in turnover¹. This strong growth is not without consequences for e-merchants: at the same time, on a global scale, payment fraud has generated more than 6% loss of revenue for 38% of merchants². This is a real loss of revenue that the PSD2 intends to remedy via strong authentication.