Categories
Industry Insights

Navigating Data Security With Your Online Transactions

Five years ago, did you ever think that payment gateways would become such an integral part of daily life? Fast forward to today and chances are, you’ll encounter one whenever you make an online purchase. Whether it’s buying groceries or the latest smartphone, have you ever wondered what exactly happens to your data security?

The crucial role PCI-DSS compliance

Let’s start with a crucial point: a payment gateway shouldn’t retain your data in its original form. And to know whether it can or not is through its PCI-DSS (Payment Card Industry Data Security Standard) compliance. The PCI Security Standards Council is a worldwide body responsible for establishing regulatory guidelines regarding the protection of cardholder data in all online payment systems. It has emerged as a global benchmark for online security and you’d be glad to know that the Curlec Payment Gateway adheres to that standard of data security.

Importance of https://

Data security begins the moment you visit a website. A payment gateway should employ the most secure SSL certificate – ensuring encryption for your data. It might sound technical, but in other words, you can check your browser’s address bar. If you see “https://” at the start of a URL, it means it’s secure. 

Most e-commerce sites prioritise working with secure payment gateways to safeguard their customers’ data. One of them being Curlec, where the best encryption practices with the highest assurance through SSL and EV SSL (Extended Validity SSL) certificates are used. But to delve deeper into how we enhance data security, let’s explore a concept called tokenization.

Preventing exposure of data with tokenization

When you key in your 16-digit card number into a payment gateway, it takes those digits and substitutes them with a single, unique token. This “token” is a distinct set of characters that replace your original card number – ensuring your payment is processed securely without revealing any sensitive information. These tokens are generated randomly, adding an extra layer of protection, making it improbable to reverse-engineer. 

To sum it up, payment gateways now offer a high level of data security. You can confidently engage in digital transactions with a peace of mind, especially with Curlec. And as a bonus, you’d offer not just security but brand trust too through our customisations that allow you to change colours and add your logo on the checkout page.

However, for both customers and businesses, it’s still essential to remain vigilant and be cautious to avoid potential pitfalls. Your awareness and responsible online practices are key to maintaining a secure and enjoyable online payment experience for all.

Categories
Industry Insights

From Tradition to Tech: Malaysia’s FinTech Surge

Malaysia’s financial landscape is rapidly evolving, transitioning from conventional payment methods to dynamic digital payments. We’re sure you have witnessed several remarkable FinTech innovations thus far. Ranging from eWallet capabilities, cross-border QR payments, to seamless payment gateways (Curlec being one of them!). And the momentum is going strong with more than 7.2 billion digital payment transactions in 2022. Fortunately, it’s not stopping there due to several drivers which we’ll delve deeper into. 

 

Tech-savvy Population

Malaysia boasts a tech-savvy population that has readily embraced digital innovations. With an internet penetration rate at 89.6% in 2022, it’s no wonder we’re opting for digital payment methods. Ask yourself this: How often do you transact online? Whether it’s paying through FPX, credit, debit cards, or eWallets, the convenience of paying with a swipe, tap, or click have gained widespread popularity. The swift consumer adoption has not only made daily transactions more efficient but it surely has driven the FinTech surge. 

 

Government Initiatives

Recognising the immense potential, the government has taken proactive steps with the 2023 Malaysian Budget. Stated in it, the Malaysia Co-Investment Fund (MYCIF) will receive a total of RM300 million to provide better financing for startups and SMEs including FinTechs. It’s a pivotal bump to create an environment that’s conducive to financial innovations. More importantly, attracting FinTech players and fueling the industry’s expansion; addressing the diverse financial needs in Malaysia. 

 

Cross-border Partnerships

Nestled conveniently in Southeast Asia means Malaysia has many friendly neighbours, leading to regional financial integration. A prime example is DuitNow expanding its footprint into Singapore, Thailand, and Indonesia. This cross-border innovation marks the adaptability of Malaysian FinTech solutions. Killing two birds with one stone, this advancement will encourage future opportunities in FinTech and also contribute to the broader economic growth within the region. 

 

Startup Ecosystem

Supportive infrastructure such as co-working spaces, incubators, and accelerators offer an advantage for FinTech startups to flourish. Today, there are numerous collaborations between FinTech entrepreneurs, industry experts, and investors – all fostering a creative environment. And reinforces the nation’s position as a rising hub for both startups and Fintechs.

It’s no surprise why and how the FinTech surge has grown exponentially in Malaysia. So if you’re thinking of kick-starting a venture, now is the time. And you can tick payment management off your list with the Curlec Payment Gateway. As it offers a seamless payment experience while handling complexities such as subscription management, invoicing, and more. Plus, it’s an all-in-one payments provider including a versatile Dashboard, equipped with sales tools such as Payment Links, Buttons, and Pages to diversify your payment tools. What’s not to love?

Categories
Industry Insights

Benefits and Challenges of Online Marketplace Selling

These days, more and more retailers are jumping on the bandwagon of selling on online marketplaces such as Carousell, Lelong, and Shopee. If you’re wondering why and guessed the pandemic as the main reason – you’re right, however, not entirely. Though the Covid-19 crisis did create a surge in online trading, e-commerce in general brings a whole lot of convenience and choices. So, if you’re thinking of selling on an online marketplace, you’ll need to navigate its upsides AND downsides.

Pros

Cons

Wider audience reach

Online stores like Lazada and Shopee are hotspots for easy and convenient shopping. Selling here is a golden ticket to reach a massive audience, making it possible to scale up.

Increased competition

With multiple sellers offering similar products, you may find it difficult to establish a presence. Thus, the need to provide discounts and freebies to gain traction and revenue in such a crowded space.

Technical support

Online marketplaces, more often than not, are equipped with effective technical support to handle large capacity of transactions and traffic. That way, you can save time and money by selling on these platforms. 

Product focus over branding

On Lazada, Shopee, or Carousel especially, customers tend to focus on the product itself rather than the brand. If you’re aiming to establish a strong brand image, selling on these platforms may not be the most ideal approach.

Enhanced credibility

Though there are benefits of having your own website, it’s easier to foster credibility and trust on, say, Shopee. As it’s already an established platform, customers are more willing to shop there. 

Payment delays

Selling on online marketplaces introduces a delay in receiving payments. Typically, it’s a payment cycle of 7-14 days, during which service fees and deductions are processed before transferring the final amount to you.

Customer service assistance

When it comes to customer satisfaction, these selling platforms can handle it more efficiently. Returns, exchanges, payments, and more – they can take it over, lifting that burden from you.

Seller fees

Additionally, there are seller fees which can sometimes be significantly high. These substantial commissions may pose a challenge to maintain your profitability, as they eat into your earnings. 

On the bright side, if you’re leaning towards launching your online business with your own website, you can turn to The Curlec Payment Gateway for a seamless payment solution.  That way, you’ll have one less thing to worry about so you can focus on your products, brand, and customer experience.

Categories
Industry Insights

Get To Know Razorpay India

Having been acquired by Razorpay India last year, we have come far and wide with the Curlec Payment Gateway that was launched earlier this month. This industry-leading development is a testament to the pioneering spirit of both Curlec and Razorpay. However, how much do you know about the latter?

Who is Razorpay?

Razorpay is an Indian FinTech unicorn company, a prominent digital payments player that has contributed tremendously to the FinTech landscape. Embracing cutting-edge technology and backed by a team of experts, Razorpay has rapidly emerged as one of India’s leading FinTech giants.

Having served 10 million businesses with a year on year growth of 300% over the last two years, Razorpay has proven to thrive in the dynamic world of e-commerce. Which ushered the acquisition of Curlec, aka us, and Razorpay’s first expansion into Southeast Asia.  

Joining forces

We shared a vision; to simplify payments and empower Malaysian businesses of all sizes. Thus, we saw the opportunity to leverage each other’s strengths to address evolving customer needs. Finally, leading to the launch of the Curlec Payment Gateway which bridges the gap between local and international payment gateways. 

This Payment Gateway offers the best of both worlds. Firstly, superior technology from Razorpay. Second, Curlec’s deep understanding of the local market – offering on-ground support and a comprehensive range of local payment methods.

 

What to look forward to

Now, we’re ready to help accelerate growth for Malaysian businesses. And we hope you understand how extensive Razorpay’s prowess is. The Curlec Payment Gateway, powered by Razorpay is just the beginning. Together, we envision expanding our offerings to cater to diverse business needs, providing uncompromised payments for entrepreneurs and enterprises alike. We look forward to unlocking new opportunities and creating unmatched value so you won’t have to compromise on all things payments anymore. Sign up here to kick-start your journey with our new Payment Gateway and other payment tools!

Categories
Industry Insights

Top 3 Reasons Why Online Payments Fail

When it comes to making online payments, there are various factors involved that ensure a smooth transaction. However, a tiny hiccup can result in payment failures. So let’s find out the three major reasons why online payments fail.  

 

Bank’s service downtime

Every bank has its own scheduled downtime periods, for example, HSBC. As such, when you attempt to initiate an online payment that is affected during a specific period, your transaction will fail as it would not be processed. 

Occasionally, banks may also experience unscheduled service downtime due to server errors. In such cases, if the payment gateway is unable to establish a connection with your bank for authentication, it will result in a payment failure. 

 

Inaccurate data

Sometimes, a payment failure can be due to entering incorrect data, often as a result of being in a rush or not paying attention. Here are a few examples of payment failures and how to go about it:-

  1. Ever entered the wrong OTP? You may see an error message stating that your transaction couldn’t be authorised. Fret not, just click “resend OTP” and give it another go.  
  2. What if this time, it’s not you? The OTP doesn’t show up in your inbox and the transaction time expires. In this case, it’s ideal to try again by clicking on “resend OTP”.
  3. If your card doesn’t have sufficient funds or if you have mistakenly entered an incorrect CVV number or expiry date, you’ll simply receive a message to notify that the transaction did not go through. All you have to do is input the right data in your retry. 

Remember, it’s worth taking a moment to double-check the information you enter. It’ll not only ensure successful transactions but avoid simple mishaps that’ll take up time. 

 

Security concerns

But wait, there’s another reason why your transactions could lead to payment failure – security concerns. Different banks have varying parameters for flagging suspicious behaviours. Some being more strict and others more lenient. Even something as simple as your bank noticing a transaction that doesn’t align with your typical spending patterns can result in the payment being put on hold or outright declined. 

Other reasons vary from exceeding your transaction limit to poor connection and two-factor authentication failing. In such cases, you’ll need to start from the payment page again. 

 

For online businesses – what can you do?

As an online business owner, it can be worrisome when payment failures occur. All the more reason it’s important to understand the reasons behind these failures to better navigate it. Having said that, it’s also crucial to recognise that online payment failures are sometimes inevitable.

However, in situations where payment failure occurs, it’s reassuring to know that Curlec is available to provide support. We offer assistance and expertise to help resolve payment issues, ensuring a seamless and hassle-free payment experience. With us by your side, you can overcome payment hurdles so your customers can enjoy a more streamlined payment journey!

Categories
Guides Industry Insights

6 Best Practices to Minimise Customer Chargebacks

So what are chargebacks? Chargebacks serve as a safeguard for customers, allowing them to seek refunds for fraudulent transactions or unsatisfactory purchases. And with an increasing emergence of online stores in Southeast Asia, customer chargebacks have become a pressing concern. Though they are designed to protect consumers, they pose a cash flow risk for merchants, particularly small businesses. Nonetheless, you can practise these six simple measures to help stay clear of chargebacks:-

 

1. Use a familiar payment name

Many customer chargebacks happen because they can’t connect the dots between the name on their statement and your business. When confusion arises, customers may initiate a dispute with the bank. To avoid this, use a name that can be easily identified and associated with your brand. 

 

2. Provide clear product and service descriptions

Another reason chargeback may occur is when genuine customers are unsatisfied with the product received due to discrepancies. As such, your products and services should be clearly described on your website. For example, adding product photos, features, and dimensions. 

 

3. Send purchase confirmation emails

Consequently, once customers have made their purchase, it’s crucial to send them prompt emails confirming the details of their order, including delivery dates and transaction details. This will keep your consumers informed and unlikely to request for a dispute as they are aware of the purchase made. 

 

4. Honour delivery deadlines

Timely delivery is key to preventing disputes. That’s because late deliveries can result in an unsatisfactory customer experience. To mitigate this risk, offering delivery tracking is essential. By updating customers about their shipment progress, you can minimise the likelihood of chargebacks.

 

5. Provide prompt customer support 

This goes without saying, efficient and reliable customer support is a crucial aspect of any business operation. Genuine customers trust the brand and are normally willing to wait for merchants to address any concerns. Which means, you should offer multiple communication channels such as emails, phone, or chat to assist your customers..

 

6. Leverage an effective chargeback dispute assistance

Lastly, to prevent chargebacks arising from credit card fraud, you’ll need a robust mechanism in place – that’s how Curlec can help. In the event of a dispute, Curlec helps streamline the process and support your case to challenge the dispute. You can navigate dispute resolution more efficiently, gain confidence in protecting your revenue, and maintaining a secure payment ecosystem by exploring our services. 

Contact us here to discern how Curlec can enhance your payment process. We look forward to hearing from you soon!

Categories
Guides Industry Insights

5 Must-Have Pages for Your Company Website

There’s no doubt that Malaysia’s e-commerce industry is booming – hitting the RM1 trillion mark in 2021. Today, it’s proving to be both an opportunity and challenge for online businesses to stand out. That’s why you’ll need a company website. It stands as the face of your brand – where you must skillfully balance customer satisfaction, seamless website navigation, and captivating content. So if you’re starting your website from scratch or planning to enhance an existing site, keep on reading.

 

Where do you begin? 

Before you find a website builder or a developer – figure out the pages you need. Here are the five crucial web pages to start off with:-


1. Home Page

The homepage has a simple function – it’s the virtual storefront where you’ll need to capture the attention and interest of potential customers. It determines whether visitors stay or move on. 

Tip: Include a search box or appropriate categories where customers can quickly find relevant products. Additionally, showcase customer reviews to stand out from competitors and build trust.


2. About Us Page

Surprisingly, many websites tend to overlook the importance of the “About Us” page. Instead, they often settle for a brief description in the footer. However, for new online businesses, this page is an opportunity to connect with your customers to establish your brand identity and build credibility. 

Tip: Highlight the five Ws: who you are as a brand, what you do, when your journey began, where it is located, and why you stand out from the competition.


3. Product Pages

Product pages are the focal point of your website as its role is to influence a customer’s purchasing decision. Have an overview of products for customers to explore. Furthermore, provide a dedicated page for each product where customers can view its descriptions and information.

Tip: Use a variety of filters such as price, size, colour, and more, so customers can easily find the specific product they need. Plus, ensure high-quality product images to captivate customers. You can also highlight discounts and communicate clear delivery and return policies to instil confidence.


4. Shopping Cart Page

Moving on, the shopping cart page is where customers should be able to conveniently review the products they have added. This access allows them to evaluate their selected items before proceeding to payment.

Tip: Add a call-to-action button such as “Buy Now” to direct your customers – you’ll want them to quickly assess and confirm their cart.


5. Checkout Page

Lastly, this page is the final stage of the online shopping process. This page encompasses a crucial element: choosing the payment method. Your aim is to smoothen the checkout process and minimise the hurdles that could lead to cart abandonment. 

Now this is where Curlec can assist – by ensuring that the checkout process is seamless. Curlec can boost your business potential with multiple payment options and convenient user experience. Collectively, with these essential pages on your website paired with Curlec, you can improve your brand presence, revenue, and customer satisfaction.

Categories
Guides Industry Insights

Part 2: 5 Steps to Market Your E-Commerce Startup

Welcome to Part 2 of our guide to kickstarting your e-commerce startup! If you haven’t read Part 1, we highly recommend you do. In this instalment, we’ll dive into the critical elements to market your e-commerce startup. So, whether you’re a budding entrepreneur or a seasoned business owner, this guide will equip you with the knowledge to thrive in the competitive e-commerce landscape.

 

Step 1: Create a compelling brand identity

As mentioned in Part 1, once you have defined your brand’s mission, values, and unique selling points you will need to develop a consistent brand voice and messaging. Firstly, you can start with designing a memorable logo – choose colours and typography that align with your brand’s personality. Followed by creating a brand guideline to ensure consistency across all touchpoints such as social media, and marketing collaterals. That way, you can effectively market and communicate your brand’s identity, standing out among your competitors. More importantly, evoking familiarity with your target audience.

 

Step 2: Build a website

You’ll need a website next. A professional website is essential to serve as the online storefront where potential customers can browse your products and services. Plus, a well-designed and functional website will establish credibility and expand your reach. Consider using easy site builders such as WordPress, WIX, Shopify, or Squarespace. These platforms offer easy-to-use interfaces, customisable templates, and features that simplify website creation. Accordingly, you’ll  need to showcase your catalogue, detailed product information, and display reviews – instilling trust in your potential buyers.

 

Step 3: Implement marketing campaigns

Now, this is where you’ll need to leverage marketing channels to drive traffic and reach your target audience:-

Content Marketing: Create high quality, informative, and engaging content that aligns with your target audience’s interests. Leverage search engine optimisation and marketing techniques to drive organic traffic to your e-commerce website. Moreover, use relevant keywords to improve search engine rankings. Doing so can help maximise your online presence and attract qualified leads, and boost conversions. 

Social Media Marketing: Develop a content strategy on popular platforms such as Facebook, Instagram, and TikTok. Employ promotional posts, educational content, testimonials, and behind-the-scenes glimpses. Additionally, you’ll need to track engagement through analytical tools so you can adjust your strategy.  

Email Marketing: Begin with building a contact list through sign-ups. Once you have a significant index, segment it based on customer preferences to send relevant messages. For example, abandoned cart reminders, product recommendations, and seasonal promotions. Consequently, you can monitor open, click-through, and conversion rates to optimise your marketing efforts.

 

Step 4: Provide exceptional customer service

Moving on, you’ll need to maintain customer loyalty and strengthen your reputation. Highlighted in the Customer Experience Excellence report researched by KPMG Malaysia in 2022, customers appreciate three components when interacting with a brand. Firstly, it’s integrity – in today’s digital age, customers are more likely to provide personal data which means you will need to utilise these particulars in the most responsible way. Which leads to personalisation as customers expect an improved buying experience such as product curation and suggestions. Lastly, the third component is time and effort, whereby customers prefer quick and efficient services so it is beneficial to offer self-service options or a streamlined payment process.

 

Step 5: Using a seamless payment gateway

That said, a payment gateway is a vital component of any e-commerce platform. Not only should it ensure a smooth checkout experience, it should also offer security and convenience such as multiple payment methods through trusted card and bank networks. As such, it will help drive revenue and build a positive reputation – encouraging repeat purchases and brand loyalty. So look no further than Curlec’s payment solutions. Where you can employ a robust and seamless payment system for your e-commerce startup. By choosing Curlec, you can effectively market your venture by providing hassle-free and secure payment solutions. Plus, we support startups and SMEs with zero set-up and annual fees!

Boost your e-commerce startup today!

In conclusion

Implementing the right strategies is important for success. By following these key steps in both Part 1 and Part 2, you’ll be equipped to attract, engage, and retain customers, setting your business apart in the marketplace. We hope this 2-part series has helped with providing guidance to kickstart and market your e-commerce startup. Keep a lookout for more!

Categories
Industry Insights

Can You Pay With DuitNow’s QR Abroad?

In today’s evolving digital landscape, the financial services industry is undergoing a significant transformation. Accelerated by the Covid-19 pandemic, we will be seeing a 42% increase in global volume for cashless payments from 2025 onwards. As such, we’re witnessing traditional modes of payment being replaced by innovative solutions. One such development is cross-border QR payments by DuitNow and it’s reforming the way Malaysians make transactions abroad in Southeast Asia.

 

Back in the day…

Travelling required exchanging currencies or using a credit card that incurred additional fees. Today? Travelling comes with absolute ease. For Malaysians, we can now utilise DuitNow’s QR payment in Indonesia, Singapore, and Thailand. On the flipside, travellers from aforementioned countries can also transact via QR payment in Malaysia. Accordingly, it’ll be with their own versions of DuitNow which is QRIS, NETS, and PromptPay respectively. Now, we can eliminate the need for cash, and travel with convenience, simplicity, and peace of mind. 

Furthermore, this payment revolution not only enables seamless transactions but it’s creating a network of interconnected payment ecosystems. That is to cater to the growing needs of a better payment experience. This collaborative nature amongst the countries marks a key milestone for us all!

 

How does it exactly work? 

If you’re a digital native, you would have already known how to utilise QR payments. However, for those who are not familiar, this is a quick breakdown on how it functions:-

Step 1: Use your device that is connected to a mobile banking service or e-wallet to scan the QR code displayed at the merchant’s location. 

Step 2: The payment amount is then deducted from your bank account or e-wallet balance.

Step 3: Transactions made from the QR payment will be converted into your home country’s currency (i.e. Ringgit Malaysia, MYR, if you’re Malaysian). Amount will be at the exchange rate set by PayNet based on the transaction date.

It’s truly that easy! 

 

How does this affect businesses? 

Additionally, one of the remarkable aspects of cross-border QR payments is the compatibility and connectivity between the countries. Prior to the pandemic, the annual traffic between Malaysia and Singapore was averaging at 12 million visitors. Between Malaysia and Indonesia? We were looking at an average of 5.6 million arrivals annually. Payment linkages will further increase the number of visitors as their travelling experiences are enhanced due to seamless and convenient payments. Moreover, cross-border payment highlights not only an established partnership but also the power to drive economic growth. Since there is reduction in cash handling and improved efficiency, it will help open up opportunities for businesses. It’s foreseeable that it will increase sales and reach into a new customer base.

 

What about consumers? 

In a nutshell, cross-border payments would mean a faster and better transaction journey. No longer do customers need to worry about carrying large sums of cash, exchanging currencies, and having leftover foreign currency unused. Just a simple scan abroad can effortlessly settle your purchase. 

As we venture into a more interconnected world, it is crucial for travellers to embrace the convenience of cross-border QR payments. By adopting this transaction method, Malaysians can truly experience hassle-free payments. So, the next time you plan your trip to Indonesia, Singapore, or Thailand – remember to explore the possibilities of QR payments! 

Safe travels and happy scanning!

Categories
Guides Industry Insights

3 Factors Affecting Your Transaction Success Rates

In this exciting era of digital payments, it’s evident how much has changed over the years. We’ve seen payment methods evolve tremendously and with that, there is a term you should know: transaction success rate. This term is a huge deal and rightly so. “Why?” you might ask. Because it affects how your business gets paid and how happy your customers are with their shopping experience.

As 70% of Southeast Asian consumers have gone fully cashless, a business’s transaction success rate signifies a few things. That is: low transaction success rate means loss of revenue and in turn, leads to loss of brand image and significant value. Well, we definitely don’t want that.

 
What defines transaction success rates? 

Transaction success rates measure the percentage of successful payments out of all the attempts made on a website or app. Essentially, it’s a scorecard of how many payments successfully make their way to your business out of every 100 payment attempts. Let’s say out of the 100 attempts made, only 75 went through – that means your transaction success rate would be a cool 75%. (Though it’s important to note that this includes customers trying again after a failed transaction). But here’s the kicker: 33% of failed payments are never reattempted and this is largely due to the change in the digital payments landscape.

 
Three primary reasons that affects transaction success rates

As such, we need to understand the underlying causes of payment failures. There are various factors ranging from simple mistakes like entering the wrong OTP to technical glitches. So let’s break it down further:-

 

  1. Customers take too long to complete the payment process.
  2. Customers cancelling their payment.
  3. Payment processing failures at the bank or payment provider.

 

Accordingly, while some cancellations are intentional, there are also avoidable situations such as insufficient funds in the payment method. In some cases, suspicious behaviour is detected, for example, attempting to use a blocked or stolen credit card. 

As for the banks or payment providers, failures can occur due to transaction errors involving intermediaries within the payments ecosystem. This includes card networks (example: VISA, Mastercard, American Express), payment enablers (example: e-wallets, payment apps), and banks. Understanding the intricacies of payment failures is crucial for businesses to tackle these issues effectively. After all, the goal is to provide a seamless payment for customers.

 
Importance of transaction success rates

Therefore, it’s crystal clear that for many savvy consumers these days, the online realm, including payments, has become the go-to method for purchasing goods and services. In the Asia-Pacific region itself, cashless transactions are predicted to have an annual growth rate of 16% from 2020 to 2025. The clincher? There are higher expectations when it comes to the online shopping experience. Any hiccup in the payment process can result in customer churn for a brand. If all the failed attempts were instead successful, your business could witness a significant revenue boost. Prioritising seamless and successful payment experience can have a profound impact on your business’s bottom line. 

 
So, what can your business do?

The good news is that business owners have the power to improve their transaction success rates. This is where Curlec comes in – to ensure the checkout process can be as smooth as possible to reduce the chances of payment cancellations and cart abandonment. Curlec can maximise your business potential with multiple payment methods and a seamless user experience that would delight your customers. That way, you can enhance your transaction rates, resulting in increased revenue, improved customer satisfaction, and sustained growth.