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Pay invoices quickly and simply. Reduce hassles and improve your cash flow with Melio's online payment solution.
Onbe makes it easy to deliver custom-branded, engaging payment experiences with the choices businesses and consumers expect.
This guide showcases Onbe's array of solutions, presenting a spectrum of payment choices to cater to diverse needs and preferences. From traditional payment methods to innovative digital options, the guide illuminates the breadth and versatility of Onbe's payment solutions.
Onbe is excited to introduce our new Client Portal, which provides an array of features to help you manage your disbursement program, report
Onbe is excited to introduce our new Client Portal, which provides an array of features to help you manage your disbursement program, report feedback, and access reports. Check out this fact sheet to discover what you can do in the Client Portal.
Influencing Millennials And Gen Zers—And Winning Their Loyalty—Calls For A Personal Approach
Connecting with the under-40 consumer calls for a strategy that feels more personal, specific, and attuned to how these digital-first generations learn about and engage with brands.
The oldest Gen Zers are already hitting the job market, and millennials are gaining more purchasing power by the minute as they overtake Baby Boomers in population size. So, how do brands adapt their approaches to reach these similar yet distinct generations, gain their loyalty, and influence their purchase decisions? That’s what Onbe set out to learn in our 2021 Brand Loyalty and Influencer Survey. What we discovered was that connecting with the under-40 consumer calls for a strategy that feels more personal, specific, and attuned to how these digital-first generations learn about and engage with brands.
79% of Gen Z and 70% of millennials have made a purchase based on an influencer’s recommendation and ~50% of both groups said they’ve switched brands after an influencer’s recommendation
Our survey results supported one long-term trend, in particular: the growing popularity of influencer marketing. Influencers are trusted online personalities who integrate brand content, such as product test-runs and reviews, with their own original content for an approach to marketing that feels more like recommendations from a friend than traditional advertising. Given the popularity of this tactic, it’s no surprise that the global influencer economy more than doubled between 2019 and 2021, reaching USD 13.8 billion.
In many ways, millennials and Zers are similar in how they respond to influencers via social channels. The majority of our survey takers in each generation said they’ve made a purchase decision based on an influencer’s recommendation, though 79% of Zers made this claim compared to 70% of millennials. In both groups, about 50% said they’ve even switched brands—say, from Nike to Adidas—because of an influencer. And for both generations, Instagram was the most popular platform for making influencer-inspired purchases.
91% of both groups said they are likely or very likely to spend a reward payment with the same brand that gave the incentive
We also found that the drive for more targeted content was not just limited to the influencer sphere. 80% of respondents from both generations said that receiving special offers from a brand would make them more loyal, suggesting that companies need to do more to get tailored promotions in the hands of young consumers. A key time to do that is when delivering a rebate or reward. Both groups—48% of millennials and 45% of Zers—said they’d most like to receive coupons for future purchases along with their reward payment. Digital payments, in particular, make it easy to include special offers and customize the experience for recipients, helping to drive spendback. In fact, about 91% of respondents from both generations said they are likely or very likely to spend a reward payment with the same brand that gave the incentive.
Where millennials and Gen Zers differ slightly is when it comes to their values when vetting brands and buys. For both groups, price was the top consideration during a purchase, but 7% more millennials said price was most important. Gen Z was also more likely to say that ethical production, such as sustainability and fair labor practices, was the key factor when deciding on a purchase. This tracks with findings from the Pew Research Center that suggest Gen Zers are slightly more politically engaged with issues such as climate change—although millennials also stand out for their activism.
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The long-awaited “new normal” is under construction, and digital payments are helping us get there.
How Digital Payments Will Help Us Build The New Normal
The long-awaited “new normal” is under construction, and digital payments are helping us get there.
The long-awaited “new normal” is under construction, and digital payments are helping us get there. As consumer confidence grows along with the percentage of the population that has been vaccinated, many are making a cautious return to in-person activities. At the same time, comfort levels vary, and not everyone’s ready to resume indoor dining or shop in store just yet. Add to that the fact that many consumers have learned new behaviors and discovered convenient options that likely aren’t going anywhere—such as online grocery ordering and a shift away from cash to digital payments.
All this means that to enable a return to commerce, businesses must accommodate a wider range of payment choices than ever before. Consumers are increasingly conscious of how they shop and pay, and their preferences for engaging with brands on site, remotely, or with distancing measures in place may change depending on the day, mood, or situation. So, the form factors in play must be flexible enough to serve consumers wherever they are—and however they’re feeling.
Even before the pandemic, we saw payment preferences rapidly diversifying, with consumers increasingly using virtual cards, digital wallets, payment apps, and even cryptocurrency along with cash and checks. Yet, the need to socially distance ended up popularizing slower-growing form factors such as contactless payments. In our 2021 study of consumer payment preferences in the UK, contactless payments dominated, with more than half of consumers reporting that 75% or more of their in-person payments are now contactless. And while the US has been slower to embrace this technology, the pandemic nonetheless accelerated adoption. In a Visa study, 70% of cardholders new to contactless payments said they’d continue using this method after the pandemic. Even more significantly, 54% of respondents said they would switch stores to one that supports contactless.
How consumers choose to pay is only half the picture. Meeting diverse consumer preferences calls for flexible solutions when handling the disbursement of funds such as incentive payments and refunds, too. The popularity of receiving rewards virtually gained ground over the last year, and our UK study found that 40% of consumers prefer an instantly delivered, virtual prepaid card over direct deposit. In fact, we found that virtual cards are now among the top ten most popular payment methods, though many consumers were unfamiliar with this option just several years ago. Beyond minimizing in-person contact, digital disbursements offer speed, convenience, and the flexibility to spend funds via any channel. Customers who evolved to prefer digital payments during the pandemic will keep realizing these myriad benefits even when social distancing becomes less of a priority.
And for businesses looking ahead to a post-pandemic reality, digital disbursements are a more cost-effective way to make payouts in a variety of use cases, offering innovative ways for brands to connect with consumers, push special offers, and learn about their customers through spend data. Having flexible payment options in place is critical to both re-engaging with customers on their terms and finding out exactly what those terms are by tracking consumer preferences.
I mentioned that our “new normal” is under construction, but that doesn’t mean I envision a time when the rebuilding stops—though I’m optimistic that we’ll soon begin to resume activities and regain confidence on multiple fronts. The need to keep innovating, adapting, and accommodating consumer preferences in flux is ongoing, and in order to thrive, organizations must always be at work on creating and supporting the next new normal—through digital payments and countless other means. Ultimately, it’s the drive to create commerce experiences that are even more adaptive and inclusive of diverse choices that will help the business community move forward and most importantly, do an even better job of serving their customers.
Original Source: https://www.onbe.com/post/how-digital-payments-will-help-us-build-the-new-normal
Our Workforce Is Changing. Faster Freelancer And Gig Worker Payments Are Key
Improving freelance, contractor, and gig worker payments—specifically, by offering speed, choice, and convenience—is essential to building the workplace of the future.
Why? For many U.S. companies, our continuing economic recovery goes hand in hand with a new challenge: attracting and retaining talent. The conditions of the current worker shortage may not be permanent, but some of the drivers behind this shakeup—including workers’ demand for remote, flexible, and freelance opportunities—are likely here to stay. Nontraditional avenues for finding talent, such as freelancer platforms, play a key role in this changing labor market. To meet both temporary and long-term staffing needs, more companies are turning to third-party sites like Freelancer, Upwork, and the growing number of platforms for freelancers in professional fields, including InCloudCounsel and Toptal. For these platforms to compete in today’s booming global market, building a better worker experience is crucial. And that starts with payday.
Yes, attracting and retaining freelancers and gig workers calls for a multipronged approach, and a lot needs to change to build more attractive and equitable experiences for nontraditional workers. But the payment experience is one major factor many freelancer platforms overlook. Currently, it’s far from perfect, since workers may need to wait ten days or more to withdraw the funds they’ve earned in a given pay cycle. Companies offering same-day gig worker payments, such as Uber and Amazon, have built worker experiences that other platforms should emulate.
Learn more: https://www.onbe.com/post/our-workforce-is-changing-faster-freelancer-and-gig-worker-payments-are-key
Faster payments are on the rise worldwide and are finally taking hold in the United States, with both companies and consumers embracing more immediate ways to make and receive payments.
Faster payments are on the rise worldwide and are finally taking hold in the United States, with both companies and consumers embracing more immediate ways to make and receive payments. The business benefits of faster payments include increased efficiency and cost-effectiveness along with the ability to meet consumer expectations for payments that match the speed of life.
But when it comes to disbursing funds, many companies still use slower legacy payment methods. To modernize the disbursement experience, they need to offer payment choice, including faster options, and build more engaging brand experiences. Fortunately, options abound to augment or overhaul your current payment offerings. Let’s take a look at some of the faster payment modalities available to businesses that are ready to make a change:
Same-Day ACH Payments
Same-Day ACH transfers have grown in popularity since NACHA, the governing body for the ACH network, launched the option in 2016. NACHA reported 603.8 million Same-Day ACH payments worth $943.7 billion in the first half of 2021—an increase of 73.9% and 105.1%, respectively, from the first half of 2020. Options such as Onbe’s Express ACH product, which utilizes Same-Day ACH, enable payees to transfer funds to a personal or business checking account as quickly as the same business day.
Push Payments
Push payments, such as Onbe’s Push-to-Debit product, enable recipients to instantly receive funds to a personal or business checking account using a linked debit card for an immediate and seamless experience. Push payments add an additional layer of security, since customers do not have to submit banking information in order to transfer funds. With over 950 million debit cards in circulation in the U.S. and 30 million in Canada, push payments have wide reach across North America and are a popular option among consumers who want instant gratification.
Virtual Cards
Virtual prepaid cards are unique among faster payment options because they don’t require recipients to have a bank account in order to access funds and use them immediately. Anyone with access to email can receive and use funds. Recipients also enjoy spend channel flexibility, with the option to use the card online, on a mobile app, or in person using a digital wallet, such as Apple Pay, Google Pay, or Samsung Pay. Juniper Research predicts that virtual cards will grow by over 360% over the next five years, reaching $6.8 trillion worldwide.
Dive in and Learn more: https://www.onbe.com/post/faster-payments-are-here-to-stay-heres-how-to-get-on-board-2
