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<br /> PAYMENT & FRAUD<br /> May 2013 an internet retailing special report<br /> sponsored by:<br /> 2 INTRODUCTION<br /> Editors' comment<br /> Welcome to the latest in our regular series of Internet<br /> Retailing supplements. In this edition, we're going back to<br /> basics and putting payments and fraud under the<br /> microscope. It's a salutary reminder of an area of<br /> ecommerce that can easily be overlooked in the rush to<br /> focus on weightier issues, such as ecommerce platforms, or<br /> on whizz-bang areas such as flash websites and marketing<br /> campaigns. But, as we argue throughout this supplement, to<br /> do so would be a mistake, for payment and fraud are crucial<br /> to the well-functioning online retail business. No<br /> transaction can be complete without the ability to pay, and<br /> no business is safe without strong yet flexible fraud<br /> screening in place.<br /> But although we talk<a title="Internet Retailing &ndash; Payment &amp; Fraud page 1" href="http://viewer.zmags.co.uk/publication/236cb32d?page=1"> PAYMENT & FRAUD May 2013 </a> <a title="Internet Retailing &ndash; Payment &amp; Fraud page 2" href="http://viewer.zmags.co.uk/publication/236cb32d?page=2"> 2 INTRODUCTION Editors' comment Welcome t</a> <a title="Internet Retailing &ndash; Payment &amp; Fraud page 3" href="http://viewer.zmags.co.uk/publication/236cb32d?page=3"> CONTENTS 3 CO 8 12 20 28 NTENTS 04 </a> <a title="Internet Retailing &ndash; Payment &amp; Fraud page 4" href="http://viewer.zmags.co.uk/publication/236cb32d?page=4"> 4 EXPERT OPINION THE ADVENT OF TRUE CR</a> <a title="Internet Retailing &ndash; Payment &amp; Fraud page 5" href="http://viewer.zmags.co.uk/publication/236cb32d?page=5"> EXPERT OPINION 5 T he growth of online </a> <a title="Internet Retailing &ndash; Payment &amp; Fraud page 6" href="http://viewer.zmags.co.uk/publication/236cb32d?page=6"> 6 CASE STUDY BEATING FRAUD WHILE BOOSTING SA</a> <a title="Internet Retailing &ndash; Payment &amp; Fraud page 7" href="http://viewer.zmags.co.uk/publication/236cb32d?page=7"> CASE STUDY 7 THE SITUATION For more th</a> <a title="Internet Retailing &ndash; Payment &amp; Fraud page 8" href="http://viewer.zmags.co.uk/publication/236cb32d?page=8"> 8 INTERFACE & DESIGN NEW WAYS TO GET BACK TO</a> <a title="Internet Retailing &ndash; Payment &amp; Fraud page 9" href="http://viewer.zmags.co.uk/publication/236cb32d?page=9"> INTERFACE & DESIGN 9 I f there's just</a> <a title="Internet Retailing &ndash; Payment &amp; Fraud page 10" href="http://viewer.zmags.co.uk/publication/236cb32d?page=10"> </a> <a title="Internet Retailing &ndash; Payment &amp; Fraud page 11" href="http://viewer.zmags.co.uk/publication/236cb32d?page=11"> INTERFACE & DESIGN 11 introduce thes</a> <a title="Internet Retailing &ndash; Payment &amp; Fraud page 12" href="http://viewer.zmags.co.uk/publication/236cb32d?page=12"> 12 MERCHANDISING CLEAR AND PRESEN</a> <a title="Internet Retailing &ndash; Payment &amp; Fraud page 13" href="http://viewer.zmags.co.uk/publication/236cb32d?page=13"> MERCHANDISING 13 R etailers sell produc</a> <a title="Internet Retailing &ndash; Payment &amp; Fraud page 14" href="http://viewer.zmags.co.uk/publication/236cb32d?page=14"> </a> <a title="Internet Retailing &ndash; Payment &amp; Fraud page 15" href="http://viewer.zmags.co.uk/publication/236cb32d?page=15"> MERCHANDISING 15 different if you're </a> <a title="Internet Retailing &ndash; Payment &amp; Fraud page 16" href="http://viewer.zmags.co.uk/publication/236cb32d?page=16"> 16 CROSS-CHANNEL EXPERIENCE ANY WHICH WAY TO</a> <a title="Internet Retailing &ndash; Payment &amp; Fraud page 17" href="http://viewer.zmags.co.uk/publication/236cb32d?page=17"> CROSS-CHANNEL EXPERIENCE 17 But on a</a> <a title="Internet Retailing &ndash; Payment &amp; Fraud page 18" href="http://viewer.zmags.co.uk/publication/236cb32d?page=18"> </a> <a title="Internet Retailing &ndash; Payment &amp; Fraud page 19" href="http://viewer.zmags.co.uk/publication/236cb32d?page=19"> CROSS-CHANNEL EXPERIENCE 19 exampl</a> <a title="Internet Retailing &ndash; Payment &amp; Fraud page 20" href="http://viewer.zmags.co.uk/publication/236cb32d?page=20"> 20 LOGISTICS RISK AND REWARDS </a> <a title="Internet Retailing &ndash; Payment &amp; Fraud page 21" href="http://viewer.zmags.co.uk/publication/236cb32d?page=21"> LOGISTICS 21 profitability – the two </a> <a title="Internet Retailing &ndash; Payment &amp; Fraud page 22" href="http://viewer.zmags.co.uk/publication/236cb32d?page=22"> </a> <a title="Internet Retailing &ndash; Payment &amp; Fraud page 23" href="http://viewer.zmags.co.uk/publication/236cb32d?page=23"> LOGISTICS 23 WHAT'S NEW Fraudsters have</a> <a title="Internet Retailing &ndash; Payment &amp; Fraud page 24" href="http://viewer.zmags.co.uk/publication/236cb32d?page=24"> </a> <a title="Internet Retailing &ndash; Payment &amp; Fraud page 25" href="http://viewer.zmags.co.uk/publication/236cb32d?page=25"> STRATEGY 25 PLANNING FOR TOMORROW </a> <a title="Internet Retailing &ndash; Payment &amp; Fraud page 26" href="http://viewer.zmags.co.uk/publication/236cb32d?page=26"> 26 STRATEGY A Ask many vendors and ana</a> <a title="Internet Retailing &ndash; Payment &amp; Fraud page 27" href="http://viewer.zmags.co.uk/publication/236cb32d?page=27"> STRATEGY 27 SPEAKING LOCAL OPTIONS Althoug</a> <a title="Internet Retailing &ndash; Payment &amp; Fraud page 28" href="http://viewer.zmags.co.uk/publication/236cb32d?page=28"> 28 CUSTOMER ENGAGEMENT A MATTER OF BALANCE </a> <a title="Internet Retailing &ndash; Payment &amp; Fraud page 29" href="http://viewer.zmags.co.uk/publication/236cb32d?page=29"> CUSTOMER ENGAGEMENT 29 cumbersome ve</a> <a title="Internet Retailing &ndash; Payment &amp; Fraud page 30" href="http://viewer.zmags.co.uk/publication/236cb32d?page=30"> 30 CUSTOMER ENGAGEMENT MOBILE FUN: ENGA</a> <a title="Internet Retailing &ndash; Payment &amp; Fraud page 31" href="http://viewer.zmags.co.uk/publication/236cb32d?page=31"> CONCLUSION 31 A midst all the froth a</a> <a title="Internet Retailing &ndash; Payment &amp; Fraud page 32" href="http://viewer.zmags.co.uk/publication/236cb32d?page=32"> </a>