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Articles by Svetlio Todorov
Cross-border payments: turning global complexity into competitive advantage
International commerce has become easier; however, getting paid across borders remains one of the biggest operational challenges many organisations face. Cross-border payments sit at the centre of international trade, enabling businesses to pay suppliers, receive customer funds and move capital between markets. However, despite significant advances in payment technology, international transactions continue to be slower and considerably more complex than domestic payments.
The rise of A2A payments in Latin America
Account-to-account (A2A) payments are gaining ground globally, but the pace of change in Latin America is particularly striking. The region is experiencing a structural shift in how people pay, supported by collaboration between regulators and the private sector, new real-time infrastructure and a dynamic fintech ecosystem. A2A already represents 24% of eCommerce payments in the region and is forecast to reach 36% by 2030.
Consumer Shopping Trends: How Will Payments Influence the Future of Retail?
It has never been more important for businesses to align themselves with the needs and preferences of their consumers. We are emerging from the pandemic with different retail payments and shopping expectations. They have been shaped by ongoing digitization in the previous two years. Alongside this, consumers are more worried than ever about parting with their money. The cost-of-living crisis and unpredictable market forces in the UK have spooked many into delaying large purchases.
The cost of free returns and why retailers might not need to abandon much loved perk
By Svetlio Todorov, MD emerchantpay “Returns” is starting to become a controversial topic in the world of online retail. Not only do returns make stock management and cash flow tricky, they contribute a major cost to merchants. With the cost-of-living crisis starting to take hold, retailers are seeing consumers become more frugal and considered with their purchases. It is no surprise then that we are seeing high street brands such as Zara starting to for returns.
How payments can help Ecommerce businesses safeguard revenue as inflation surges - Ecommerce Age
Strategy Taming the wild west of retail media: The good, the bad and what’s next Whilst ecommerce giant Amazon is the dominant retail media player – currently accounting for 77.7% of US digital retail media spend – many retailers have now entered the media space motivated by the ability to capitalise on their consumer data and unique inventory to create an additional revenue stream. Read More ->
6 PAYMENT GATEWAY FUNCTIONALITY MUST-HAVES FOR ECOMMERCE COMPANIES
Welcome to Finextra. We use cookies to help us to deliver our services. We'll assume you're ok with this, but you may change your preferences at our Cookie Centre. Please read our Privacy Policy. News in your inbox For Finextra's free daily newsletter, breaking news and flashes and weekly job board. Sign Up Channels External | what does this mean? This content is provided by an external author without editing by Finextra. It expresses the views and opinions of the author.
Cross-Border Payments: What They Are, And Where They're Headed
Welcome to Finextra. We use cookies to help us to deliver our services. We'll assume you're ok with this, but you may change your preferences at our Cookie Centre. Please read our Privacy Policy. News in your inbox For Finextra's free daily newsletter, breaking news and flashes and weekly job board. Sign Up Channels Group External | what does this mean? This content is provided by an external author without editing by Finextra. It expresses the views and opinions of the author.
Recent Acquisitions Show Path Forward in Chargeback Mitigation
Welcome to Finextra. We use cookies to help us to deliver our services. We'll assume you're ok with this, but you may change your preferences at our Cookie Centre. Please read our Privacy Policy. News in your inbox For Finextra's free daily newsletter, breaking news and flashes and weekly job board. Sign Up Channels Group External | what does this mean? This content is provided by an external author without editing by Finextra. It expresses the views and opinions of the author.
Eliminating month-end reporting headaches with AP automation
Welcome to Finextra. We use cookies to help us to deliver our services. We'll assume you're ok with this, but you may change your preferences at our Cookie Centre. Please read our Privacy Policy. News in your inbox For Finextra's free daily newsletter, breaking news and flashes and weekly job board. Sign Up Channels Group External | what does this mean? This content is provided by an external author without editing by Finextra. It expresses the views and opinions of the author.
The importance of payment optimisation: Why every merchant needs a trusted payment partner
Welcome to Finextra. We use cookies to help us to deliver our services. We'll assume you're ok with this, but you may change your preferences at our Cookie Centre. Please read our Privacy Policy. News in your inbox For Finextra's free daily newsletter, breaking news and flashes and weekly job board. Sign Up Channels Group External | what does this mean? This content is provided by an external author without editing by Finextra. It expresses the views and opinions of the author.
Entering the Mainstream: The Growth of BNPL
The rise of eCommerce has had a huge impact on the payments industry and the expectations of consumers around convenience. Convenience in the way they shop has also led to consumers looking at new, convenient payment models that allow for more flexibility, such as paying in increments over a set period of time.
Neobanks: Everything You Need to Know
Neobanks are what Slack is for physical offices Keeping the idea of digitisation and financial inclusiveness at the core, the traditional banks have moved from brick and mortar to adapting the digital versions of their services. Neobanks take it a step further with a digital-only approach. Neobanks are a fully functional digital-only bank with advanced features. 1. Minimum overheads attract more users.
The post-pandemic payments opportunity
The rise of eCommerce over the last year has presented an excellent opportunity for online merchants. Still, it has also made the space much more saturated as new vendors move online to get a slice of the action. With fierce competition, eCommerce businesses need to optimise every customer touchpoint to attract consumers and retain customer loyalty.
The rise of the 'finfluencer' – should traditional banks engage?
With the advent of new video social platforms including TikTok and Snapchat, we have seen hundreds of novice financial advisors, otherwise known as ‘finfluencers’, emerge. These influencers offer Gen Zers money advice in a short, lighthearted video format and are becoming an increasingly popular source of financial information. Even Imogen Tew, money reporter at The Times tweeted about trying her hand at “going viral in the FinTok corner of TikTok”.
Digitalisation in lending - Realising potential in ABF
COVID-19 has catalysed the transition towards digitalization across many sectors, driving the digital agenda to increase efficiency, improve data quality and deliver improved customer experiences. At the same time, the pandemic has spurred an increase in borrowing from SMEs. UK firms borrowed more than £100bn last year throughout the pandemic and while this was predominantly driven by government guaranteed term lending, demand is likely to remain strong in the months to come.
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