A shift towards modern computing infrastructures and architectures, particularly those deployed on the cloud, and which use microservices, has shaped and continues to shape the modern understanding of cybersecurity. In this context, cyber threats/risks and mitigation thereof mean adopting layered approaches to ensuring the safety of increasingly complex and multifaceted structures.
Passwords have long been known to be insecure, with malicious actors frequently bypassing password-based security protocols. However, security concerns are not the only drawback of password-based authentication. They can be costly and burdensome to manage, with users frequently forgetting and thus having to reset passwords, which consequently creates a poor UX.
Customer Data Platforms, or CDPs, remove assumptions from marketing campaigns and customer interactions by bringing together data from a wealth of touchpoints; in this context, touchpoints can be social media interactions, applications, online advertising, and product placement within a corporate or visually conspicuous event. These are used to gain a global view of the route taken by the customer to arrive at their point of purchase, or expression of interest.
In recent years, the most significant driving factor for a change in global consumer behaviour has been seen as a result of the COVID-19 pandemic. Contactless payments were heavily encouraged by most governments during the height of the pandemic, which was furthered by businesses that only accepted forms of cashless payments.
The mobile market has always been prone to digital disruption. However, this has become more pronounced in the last two decades, with fixed-line telephone services falling into widespread decline at the same time as new mobile voice services and superior connectivity modes (including 4G LTE and 5G) enter widespread usage.
Driven by brands such as Apple Pay and Google Pay, and supported by smartphone and mobile device penetration, digital wallets are becoming go-to payment methods; offering convenience, speed, and security over traditional cash and contactless as well as the ability to store identity documents and serve as a primary interface for cryptocurrencies.
Over the past few years, the concept of regtech has taken on much importance within the financial services ecosystem and beyond. During the COVID-19 pandemic, regulatory compliance has become more complicated and essential, meaning regtech is a highly dynamic and rapidly evolving area.
Historically, carrier billing was effectively the default payment method for digital services such as mobile device personalisation. However, the rise of app stores and increases in smartphone penetration in developed markets has been instrumental in driving the migration to carrier billing.
Juniper Research interviewed Karine Dussert-Sarthe, EVP Orange Innovation Marketing & Design, Orange Group, in March 2022
Online marketplaces offer a way for shoppers to browse a wide range of items on a single site at competitive prices. They have been a major driver in the growth of cross-border eCommerce in recent years.