Brendan Miller

Principal Analyst

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NRF Big Show 2019: It's Time To Rethink Brick-And-Mortar Experiences

Brendan Miller 2 hours ago
At this year’s NRF Big Show, I focused my time on discovering and searching out new tech and experiences that will be incorporated in the stores of tomorrow. During my time, here are three quick observations that I made: Computer vision AI is taking the first steps to transforming brick and mortar. Computer vision AI […]
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Outlook For 2019: The State Of Retail Payments Report

Brendan Miller November 29, 2018
“The State Of Retail Payments — Outlook For 2019” is a biennial study by the National Retail Federation (NRF) and Forrester that profiles US enterprise retailers’ views and decisions about payments. It outlines key priorities and challenges for digital business professionals and payment decision makers. The role of emerging digital payments and how merchants are investing […]
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Today Is Cyber Monday; It’s A Great Time To Book Your Next Vacation

Brendan Miller November 26, 2018
During the Black Friday and Cyber Monday week, travel specials tend to get lost in the flurry of deals on smart speakers, tablets, and HD TVs. Over the past few years, the travel industry has quietly stolen a share of consumers’ spending between Black Friday, Cyber Monday, and what the industry is now calling “Travel […]
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Key Takeaways From The Forrester Wave™: Global Merchant Payment Providers, Q4 2018

Brendan Miller November 1, 2018
We recently published the “The Forrester Wave™: Global Merchant Payment Providers, Q4 2018” report, which identifies the 11 most significant global payment vendors that can help enterprise merchants with their omnichannel efforts. The report includes assessments of ACI Worldwide, Adyen, Chase Merchant Services, CyberSource, Elavon, First Data, Ingenico Group, Paysafe Group, Wirecard, Worldine, and Worldpay […]
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Who Will Win The Future Of Payments?

Brendan Miller September 19, 2018
Autonomous payments is the future state of payments — and banks, merchants, and payment vendors need to prepare now. Venture funding in this arena already exceeds $28 billion. Coupled with intensifying economic and political forces, consumers globally will see this new but nonlinear evolution of payments emerge, where payments will melt into the wider commerce experience […]
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Stripe Moving Into Point-Of-Sale Transaction Processing

Brendan Miller September 17, 2018
Stripe, one of the leading payment providers for online and platform businesses, today announced “Stripe Terminal” to tackle the merchant challenges around in-person payments. Stripe’s solution combines several of the technology components that go into in-person payments and works to abstract the complexity away for merchants and developers. In-person payments are operationally challenging for merchants. […]
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Just Released: The State Of The US Retail Shopper In 2018

Brendan Miller August 1, 2018
Many retailers today face a stacked deck. Consumers are spending their income at the highest rate in decades but not on the retail staples that have traditionally filled retailers’ coffers. “The State Of The US Retail Shopper In 2018” report examines the key personal economic factors responsible for turbulence in the US retail industry while […]
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Retailers: You’re In a Tech Hiring Race; Follow Home Depot’s Lead

Brendan Miller April 19, 2018
This week, The Home Depot  announced that it is pressing the gas further on its digital initiatives by augmenting its existing 2,800-person tech team with another 1,000 IT, product, and CX tech workers. What’s behind this? Not one to rest on its laurels, The Home Depot knows that it needs to grow its digital expertise […]
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Merchant Risk Council 2018 Vegas Recap: The Business Model For Fraud Prevention Technology Is Shifting

Brendan Miller April 5, 2018
Not surprisingly, machine learning technology was on full display this year at MRC Vegas. Using new self-directing machine-learning models, merchants are increasingly outsourcing significant but noncore operational tasks like writing fraud rules, case management, and even the financial risk itself. Why? In many cases, retailers are simply not equipped with the rigorous data intelligence, rules, machine […]
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NRF Recap: Facial Recognition Will Change The In-Store Experience (If We Let It)

Brendan Miller January 23, 2018
Not surprisingly, artificial intelligence in all forms was on full display this year at the NRF Big Show. One AI application that caught my attention was facial recognition technology. Last year, 23% of business technology decision-makers said their firm is using or likely to use facial recognition technology, just 3.5% less than machine learning platforms. […]
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The New W3C Payments Request API Standard Means Better Web Checkout Experiences

Brendan Miller November 15, 2017
All major browser makers are implementing a new World Wide Web Consortium (W3C) Payment Request API standard, which means faster, more secure web checkouts are right around the corner as early as mid-2018. When implemented, the Payment Request API standard is particularly important for mobile web, where retailers see average conversion rates at one-third of […]
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Forrester Releases First Of Its Kind Industry Wave Focused On Retailers’ Mobile Websites

Brendan Miller October 27, 2017
Home Depot and Wayfair take leading spots You already know Forrester for its iconic Wave graphic that ranks technology vendors on their strategy and capabilities to serve industry clients. Starting today Forrester is introducing new kind of research document called a Forrester Industry Wave that evaluates digital experiences of firms that serve end customers. The […]
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A Customer-Led Approach Is Fundamental To The Integration Of Worldpay And Vantiv

Brendan Miller August 15, 2017
Vantiv has the largest payments industry acquisition of 2017 ($10.4B) under its belt — now what? Integration is the trickiest part of any acquisition and comes after the dust settles and the deal is done. This crucial phase begins in earnest this week for Vantiv and Worldpay. To accelerate its business and achieve the full […]
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Mobile Self-Checkout Success Depends On Bridging The Loss Prevention Gap

Brendan Miller August 4, 2017
Mobile self-checkout technology promises to not only streamline the physical checkout experience, but more importantly, to bring an augmented digital shopping experience to the physical store. When mobile self-checkout shoppers scan items to put in their physical baskets, digital business leaders will have real-time digital basket data to drive more relevant up-sell, cross-sell, and contextual […]
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Amazon Buys Whole Foods To Expand Its Digital Prowess In Retail

Brendan Miller June 16, 2017
Written by Principal Analyst Brendan Miller and Principal Analyst Brendan Witcher. Whole Foods’ brick-and-mortar expertise combined with Amazon’s digital prowess is a one-two punch that will give retail executives more sleepless nights. Our initial take on what Amazon’s $13.7 billion acquisition of Whole Foods means for the broader retail market: To thrive in grocery, Amazon […]
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Fixing the Mobile Shopping to NFC Payment Adoption Gap

Brendan Miller March 3, 2016
NFC is Ready For Prime Time, but Merchants and Consumers are Standing By Mobile in-store shopping hasn't translated into mobile in-store paying. Seventy-two percent of smartphone-owning US online adults have used their phone in-store as a "trusted advisor," to check prices, find product information, or locate an item, but meanwhile adoption rates of Apple Pay […]
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Global Payments Acquisition of Heartland Payments a Sign of Things to Come

Brendan Miller December 16, 2015
Global Payments Announced on Tuesday that is planning to buy Heartland Payment Systems, a rival payment processor for $4.3 billion in cash and stock.  The two companies’ combined will be the 6th largest U.S. payment acquirer based on card purchase volume and the largest U.S acquirer based on active merchant locations (using March 2015 Nilson […]
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Verifone Puts New Stake in The Ground With Developer Platform

Brendan Miller October 23, 2015
  Yesterday Verifone announced a next generation family of payment devices, called Verifone Engage.  Verifone promises to wrap more value around the merchant-consumer interaction at the point-of-purchase with new personalized marketing features, pay-with-points and rewards.  In addition, they introduced an expanded Verifone Commerce Platform giving developers the tools to publish POS apps to a new […]
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Netflix Claims Earnings Are Down As Many Subscribers Cards on File Do Not Get Updated

Brendan Miller October 16, 2015
On Thursday Netflix blamed card processing issues for disappointing subscriber growth. Netflix said the move by U.S. banks to replace hundreds of millions of credit and debit cards with new EMV chip-enabled cards this year has led to involuntary service cancellations as subscibers cards did not automatically renew when the new cards were issued.   It […]
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The Transition to EMV Presents New Opportunities for Mobile Payments

Brendan Miller October 12, 2015
Merchant EMV hardware and software upgrades at the POS pave the road for additional contactless mobile payment transactions. Most new EMV POS hardware equipment also comes Near Field Communications (NFC) ready.  In timely fashion many new mobile payments types are hitting the market (Apple Pay, Android Pay, Samsung Pay, PayPal) to take advantage of the […]
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