1. DIDTHE
‘QUICK
CHIP’
ARRIVE
TOO LATE?
ANNUAL TECHNOLOGY ISSUE
September/October 2016
Merchants and consumers
have the same frustrations
with EMV — it takes too long
to complete a payment.
Can the industry’s fix work fast
enough to solve the problem?
ISO091016_Cover_Final.indd 1 8/25/16 11:17 AM

2. 52 ISO&AGENT September/October 2016 isoan
P
ayments technology is rap-
idly changing, but so is the
broader environment for re-
tailers, creating a need for
flexible and diverse payment
acceptance options.
“Smart cities are going to change
customer behavior and how businesses
market and engage consumers,” said
Zavida Mangaru, head of product at
Total Merchant Services (TMS), which
this week released Groovv POS, which
incorporates payments, inventory, mar-
keting and reporting to serve both in-
store and mobile engagement.
‘Smart cities’ refers to a collection of
urban design strategies that incorporate
Integrated WiFi networks, Internet of
Things deployments, geolocation and
other technology to connect stores,
schools, libraries, hospitals, security
services and other facilities. In New
York, this includes projects ranging
from bike sharing to free WiFi to a mas-
sive two-decade project to use digital
communications to manage the city’s
subway traffic.
“There are new opportunities to
sell and grow outside of the traditional
location, and merchants who are flex-
ible and mobile can take advantage of
them,” said Rick Oglesby, president of
AZ Payments. “At the same time, tablet
POS software has become a competitive
alternative for in-store POS, especially
for smaller merchants. “
‘Smart Cities’ Inspire TNS Tech
TECHNOLOGY POINT OF SALE
The trends that are changing consumer behavior in the broader world are also prompting
changes at the point of sale. BY JOHN ADAMS
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052_ISO091016 52 8/25/2016 1:36:09 PM

3. isoandagent.com
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ting
AMS
For businesses, operating in a smart city means being
able to take advantage of new retail strategies such as “pop
up stores,” or temporary businesses that set up shop for
a few days at most, often to take advantage of a holiday
or some other one-off event, Mangaru said.
TMS is combining EMV and NFC enabled payments,
inventory management and marketing into its product
lineup.
It offers are two hardware models with pricing dependent
upon the specific order—a countertop payment system
with a 13 inch touch screen, cash drawer, bar code scanner,
receipt printer and contactless acceptance; and a second
“Flex” product with a detachable Samsung Galaxy Tab
9.6-inch tablet and a stand that can be carried to any of
the store’s other locations.
“You can be at a counter or go out and do a pop up
restaurant or business outside of your regular store,”
Mangaru said.
Inventory management has become a staple of mobile
point of sale products over the past couple of years, but in
a temporary mobile store environment based on pedes-
trian spikes or other fluid consumer information, quick
decisions on product mix are essential to the success of
the business, Mangaru said.
Pop up stores often target a specific type of consumer
or a limited product, so TMS has added customizable
categories to its inventory management feature, including
controls for item management and alerts. The system’s
reporting tools include financials, sales history and
transactions trends—and incorporates those tools into
marketing.
“If you have 100 sweaters to get rid of, you can make
an instant decision on where and how to sell them if you
have access to market and sales information at your
fingertips,” Mangaru said.
Payment technology designed for pop up stores is also
advancing in Europe, where Ingenico and Bleep collabo-
rated on a payment system for this summer’s European
football championships.
“Retailers are talking about ‘endless aisle’ and omni-
channel, and that’s clearly where things are headed,” said
Thad Peterson, a senior analyst at Aite Group, adding
as the retail space adapts to the changing behavior of
consumers, stores will need to accept payments, deliver
offers and loyalty and manage information wherever and
whenever their customers engage with the store. “It’s
not just about mobile point of sale, it’s more about a pay-
ments platform that adapts to the merchant’s ecosystem,
whatever that may be, and however the customer interacts
with them.”
T H E F L A G S H I P F O R D E E P E R C O N N E C T I O N S
T H E O N LY P A Y M E N T S E V E N T D E S I G N E D T O B E
Immerse in the Future at C-Level.
ETA Strategic Leadership Forum.
Curated for the top level of payments
executive, SLF is the optimal intimate setting
for networking with and learning from the
visionaries making waves in the industry.
A pivotal keynote, a poolside discussion,
an invaluable introduction overlooking the
waves... chart your future here by registering
today at electran.org/slf16.
Powerful Figures. Exponential Results.
OCTOBER 19–21, 2016
THE BREAKERS | PALM BEACH, FL
053_ISO091016 53 8/25/2016 1:36:10 PM