Experts, retailers and consumers agree that adding a PIN is the best way to prevent credit card fraud. This week, banks have failed to meet their own deadline for converting to chip cards. Retailers say that customers will have to continue swiping their cards until retailers can use the chip-reading terminals when they become certified by the card companies for EMV. Many retailers are going further to protect consumers’ financial data. In addition to installing chip-reading terminals, many are voluntarily implementing data encryption and other means to safeguard the payment authorization process. (

Mobile devises outnumbered the world’s population in 2014 and smartphone usage grew 45% the same year. One of the most popular uses of mobile devices is for shopping. Online shopping was the most disruptive innovation ever to affect the retail industry. A great infographic created by Snap Parcel shows how mobile commerce (m-commerce) is starting to add to that disruption and changing consumer shopping trends. (RetailNext)

Even with e-commerce and m-commerce disrupting the retail industry, 94% of all retail purchases in the U.S. were made in brick-and-mortar last year, and over the next four to five years, brick-and-mortar will maintain a 90+% share of all sales, according to the U.S. Census Bureau. Gary Lee, CEO of InReality, explains why it’s important for retailers to reinvest in the in-store experience. Retailers need to focus on immersive brand experiences in-store as well as the shopper’s entire path to purchase, both online and offline. (

How do you know if your business needs custom software? Aaron Continelli, president of Cre8tive Technology and Design, lists some important questions to ask when evaluating your current software to determine if there is a need for a more customized approach. It is important for business owners to consider their company’s needs, goals, and tasks in choosing a system. A custom platform can create a more streamlined process for a business and ensure compatibility with other programs that may not be in off-the-shelf software. Custom software can also allow a business to serve customers more completely and quickly, which can allow for more company growth. (

Feature Photo Source: Rite