Is UX The Key To Mobile Wallet Breakout?
OMNICOMMERCE TRACKERTMCMYCMpowered byMYCYCMYKOCTOBER 2016A MONTHLY RECAP OF THE DEVELOPMENTS WITHIN THE OMNICHANNEL ECOSYSTEMIs UX The Key To MobileWallet Breakout?Report shows 77 percent of merchantssurveyed use mobile devices to enhanceshoppers’ in-store experienceWalmart acquires online marketplace Jet.comfor more than 3 billionStudy reveals 89 percent of consumerssurveyed bought at least one physical gift cardin 201551 percent of respondents say they would stopdoing business with a retailer for late arrivingholiday purchases, study shows
AcknowledgmentAcknowledgmentSponsorship for the PYMNTS Omnicommerce Tracker was provided by Vantiv.Vantiv has no editorial influence over the Tracker’s content. In addition, the methodologyfor Tracker supplier rankings was developed exclusively by the PYMNTS.com research andanalytics team. The methodology, scoring and rankings are done exclusively by this teamand without input or influence from the sponsoring organization. 2016 PYMNTS.com all rights reserved2
Omnicommerce TrackerTMTable of Contents04What’s Inside05Cover Story08Methodology09Top Rankings11News & Trends20Scorecard35About 2016 PYMNTS.com all rights reserved3
What’s InsideWhen it comes to the omnicommerce world, some of the biggest names from around the space have recentlybeen busy implementing innovative strategies to both broaden their customer base and strengthen theirpayment offerings.From augmented reality shopping to social media payment platform rollouts, companies are finding interestingways to attract, engage and serve their consumers.In addition to news stories from across the omni landscape, the October Tracker cover story features aninterview with Leo Castro, vice president of product marketing and brand for BigCommerce, an eCommerceplatform, about the opportunities and challenges of trying to eliminate virtual checkout cart abandonment andconverting tech-savvy shoppers into buyers.Additionally, the Tracker now has 45 players from around the omni space, including eight additions to theprovider directory, including Barnes & Noble, Five Below, H&M, Lumber Liquidators, Restoration Hardware, RossStores, Safeway and Wet Seal, as well as a score update for Ikea.The Tracker also keeps an eye on the recent news highlights from around the omnicommerce industry.Here’s a look at some of this past month’s omnichannel headlines:Retail behemoth Walmart made a splash in the acquisition pool, acquiring online marketplace Jet.com formore than 3 billion. By bringing Jet.com into the fold, Walmart now has an opportunity to reach a segment oftech-savvy consumers while bolstering the company’s eCommerce base. As part of the deal, America’s largestretailer also agreed to pay 300 million in company shares to Jet.com, which is attempting to compete witheCommerce giant Amazon.Meanwhile, HSN introduced augmented reality (AR) shopping via its new app to grow the company’s mobile userbase. By providing customers with more than 1,000 images of different types of furnishings, they can visualizewhat products would look like inside their own homes. Consumers can scan a room using their smartphonecamera, causing a 3D image of the item to be overlaid in the interior setting.While HSN looked to grow its mobile shopper base, both Chase and Best Buy sought to do the same afterreaching an agreement to allow the credit card company to offer its digital wallet, Chase Pay, via the retailer’smobile app. The wallet, which enables consumers to purchase products and earn rewards, is also available foronline users as well as at all of Best Buy’s 1,400 stores. 2016 PYMNTS.com all rights reserved4
Cover Story“The answer, as it turns out, may actually liewithin merchant eCommerce experiencesrather than the wallets themselves.”Is UX The Key To Mobile Wallet Breakout?Given the shift from traditional payment methods to alternative payments, such as digital wallets, not tomention the growing number of customers paying for goods and services using their mobile devices, thereis clearly room for steadier, sizeable growth in mobile wallet adoption. But what will it take for widespreadadoption to take place? The answer, as it turns out, may actually lie within merchant eCommerce experiencesrather than the wallets themselves.With nearly one in four consumers trying Apple Pay this year, according to the PYMNTS Apple Pay AdoptionTracker, there’s been a steady increase in use of and interest in using the mobile wallet since late 2014, whenonly 9 percent of those surveyed used it to make a purchase.The 23 percent of users trying Apple Pay in June 2016 represents an upward trend instead of the decreasingpercentage revealed in the two previous PYMNTS Apple Pay studies. With nearly 26 percent of shoppersunfamiliar with how the mobile wallet works, the 2016 survey shows that there is still a long way to go ineducating consumers about Apple Pay and other digital wallets in general.With this in mind, PYMNTS recently spoke with Leo Castro, vice president of product marketing and brand forBigCommerce, an eCommerce platform, about the opportunities and challenges of trying to eliminate virtualcheckout cart abandonment and converting tech-savvy shoppers into buyers. 2016 PYMNTS.com all rights reserved5
Cover StoryCheckout conversion conundrumBigCommerce, which primarily works with companies in the 1 million to 50 million annual revenue range, hasseen a significant shift to mobile usage by consumers. According to a recent survey by Interactive AdvertisingBureau, 75 percent of mobile device users from 19 countries said they had made an online purchase via asmartphone or tablet in the past six months.Castro said this mobile shift has posed a challenge for the company when it comes to developing websitesolutions for merchants to enhance the checkout experience for consumers.The consumer-first focus is essential to tackling the challenge, he explained. “How do we make that experiencefantastic for our customers and their customers? Really, the name of the game there is thinking through all theways to optimize and reduce friction throughout the [checkout] process.”Shopping cart abandonment happens at all stages of the checkout process, even before an item finds its wayinto the cart, Castro said. Some of the factors that play a role in the abandonment include having a poorlydesigned website, failing to keep customers engaged, having security concerns and the “cumbersome”process of entering card numbers and billing and shipping addresses on mobile devices, he added.Reducing checkout friction while at the same time suggesting complementary products to what they’re buyingis a balancing act retailers go through every day, Castro said. By failing to address both areas, merchants missout on potential revenue.One approach retailers can take to cut down on checkout disengagement is through the use of mobile wallets.Another potential way retailers can help circumvent checkout abandonment is in driving consumers to buildstore accounts, Castro said, which allows the same information that is typically collected at some other pointin the checkout phase to be stored in the store account.According to Castro, a trend the company has identified is an increase in mobile wallets to help speed throughthe conversion process. With that, BigCommerce has partnered with mobile wallet providers such as PayPaland, most recently, Apple Pay. The company also has plans to integrate several other digital wallets in the nearfuture, he said.Does mobile, in fact, unlock the sky’s limit?BigCommerce has seen a three-fold increase in mobile usage overthe past four years, according to Castro, and with that boost inmobile activity, he believes digital wallets will follow along that sametrajectory.“I think they’re going to go hand in hand,” he said. “Just that sheerconvenience play of not having to enter in the 16-digit number, nothaving to put in your full name and being able to check out justby logging in” makes it easier for consumers, he said, adding that 2016 PYMNTS.com all rights reserved“7 5 percent of mobiledevice users from19 countries saidthey had made anonline purchase via asmartphone or tablet inthe past six months.”6
Cover Storyhardware vendors layering in biometrics makes the shopping experienceeven faster by eliminating login friction.When it comes to the mobile device effect on how customers interact withshopping carts and digital wallets, Castro said he’s been “amazed” by howmuch browsing now occurs on mobile devices considering how everyoneis seemingly on the move. Smartphone ubiquity, he said, has driven thebehavior.A smartphone user typically begins the shopping process by logginginto an eCommerce account, Castro said, followed by browsing productsat one location, putting them into a virtual shopping cart and then laterfinalizing the purchase at another location.“A smartphone usertypically begins theshopping processby logging intoan eCommerceaccount.”“So then you can go and if [for example] you’re on the bus and you see something that you like and you put itinto a wish list or a shopping cart, you can go home and then complete the transaction,” he added. “It plays akey role in terms of engaging customers.”Importance of nailing UXMobile will continue to drive adoption and shape the conversation around the future of digital wallets andeCommerce, Castro said, adding that the trend ties directly to online design.A merchant’s digital experience needs to be appealing across the board — a responsive design that can bebeautiful even if you look at it on a mobile device, he said.The appeal of design and positive user experience goes on to influence a consumer’s likelihood to complete atransaction. And this experience extends all the way into the shopping cart, he said. “I would say the shoppingcart is a key part of that experience in terms of engaging and converting customers, but it’s part of the biggerpackage that our retailers have to face.”Castro said it’s important for companies with brick-and-mortar locations to not only have a great storefront, butalso to have a sleek online presence that also offers personalization and convenience to shoppers — whether itmeans providing the next level of in-store customer service or a range of payment options online.“As consumers we’ve become accustomed to looking at design and having that be a part of the considerationabout whether we want to engage with a particular retailer,” he said. “Just look at the key consumer brandsthat are out there now, whether it’s Apple or Tesla or even a lot of the fashion brands. They’ve put a lot ofpremium on design, and I think that means it’s going to put a lot of pressure on retailers to think about how welldesigned their sites are.”As this thinking goes, could the innovative Tesla consumer experience, as a high-profile example, influence theeventual mass adoption of mobile wallets? Stay tuned: It may be a bit of a drive. 2016 PYMNTS.com all rights reserved7
MethodologyOmnicommerce Scoring MethodologyIn a retail environment where traditional consumer shopping norms and habits are being disrupted bythe rapid adoption of new technologies, retailers are now, more than ever, looking for alternative strategiesto ensure the future viability of their businesses.Many merchants are progressively adopting omnichannel solutions that create a seamless shoppingexperience for their customers, allowing them to shop for all products and services whenever andwherever they want.This Tracker, on a monthly basis, documents the moves these progressive retailers are making. The retailersare scored on their omni-readiness through three critical lenses:Customer Engagement – 50% of weightStrategies merchants are employing to drive customer engagement in-store and online. These include loyaltyprograms, contextually relevant offers, and leveraging data to make relevant product recommendations.Features measured include the possibility to sign up online to receive marketing messages, ability to setpreferences, “like” or share products, see product details and reviews on the website, enter coupons or signup for rewards, and customer engagement through beacons.Customer Enablement – 10% of weightTools merchants are deploying to arm customers with the ability to shop and buy whenever and whereverthey want including apps, enabling payment within the app, location-based services, and the ability to shopand fulfill purchases regardless of channel.Features measured include iOS and Android apps.Customer Service – 40% of weightWays in which merchants are stepping out from behind-the-counter to deliver enhanced shopping experiencessuch as, among others, mobile-point-of-sale and ability to check inventory in real-time.Features measured include the possibility of receiving online purchases delivered for free, buying online withpick up in store (BOPIS), seeing stock online, get live help online, and if store associates have any mobiledevice to help customers (i.e. inventory or making a purchase with an mpos). 2016 PYMNTS.com all rights reserved8
Top RankingsOmnicommerce TrackerTM Top 10RankCompanyScore9712Tie2Tie2Tie5TieChico’sFAS is an omnichannel specialty retailer of women’s clothing and accessories that connects toits customers on eight different mediums, including print, web, television, mobile and brick and mortarstore locations. The company currently operates over 1,500 stores in the U.S. and Canada and suppliesmerchandise in Mexico through franchises.92Home Depot is a home improvement supply chain that clocked 4.7 billon in sales in fiscal year 2016 markinga 25 percent year-over-year growth. The company credited its efforts to interconnect its digital platform withbrick-and-mortar stores as a major factor fueling its growth.92Nordstrom, which has been operational for more than 100 years, runs 329 stores between the U.S.and Canada. The fashion specialty retailer offers products through its physical locations, online andvia its mobile app.92Office Depot, which first opened in Florida in 1986, runs about 1,800 stores globally. The office products andservices retailer has nearly 50,000 employees and generates revenue in-store, online and via the mobile app.89Footlocker is a footwear and sportswear retailer that has leveraged its sturdy supply chain infrastructure topower its omnicommerce strategy, which lays special emphasis on providing its customers complete visibilityinto its product inventory and releases. 2016 PYMNTS.com all rights reserved9
Top Rankings5Tie7Tie7Tie89Walgreens Boots is an American drugstore chain that operates more than 7,500 stores nationwide. Thecompany sells products online, in-store and through its mobile app.87The Cincinnati, Ohio based department store chain operates in 850 department stores in the U.S. and itssurrounding territories, and reported over 27 billion in sales in fiscal year 2015. The retail chain’s succeedingCEO Jeff Gennette, who will take up the position in first quarter of 2017, has said, the company’s new focuswould be on driving its omnichannel customer engagement.87The retail giant is currently focusing on making several of its exclusive in-store shopping experiences availableonline. As part of its omnicommerce strategy, the company is working on connecting its merchants withonline stylists that handpick merchandise for customers over live-chat and emails.869Bass Pro Shops is an outdoor gear supplier that sells camping, fishing, hunting, nature gifts and otherproducts through retail stores, a mobile app, website and mail-order catalogue.8410The clothing retailer is increasingly focusing on its omnicommerce strategy to revive its overall sales. Lastyear, the company hired Mike Amend as its new executive VP of omnichannel to enable its brick and mortarstores and eCommerce offerings into providing one seamless shopping experience. 2016 PYMNTS.com all rights reserved10
Engage the CustomerEngageA new report by Kibo, a cloud-based omnichannel commerce platform, examined the gap that exists betweenonline and in-store shopping experiences for consumers. Kibo, with assistance from Worldwide BusinessResearch, surveyed more than 80 in-store retailers from different business segments such as digitalcommerce, marketing and operations. About half of those surveyed in the In-Store Meets Online: Unifying theRetail Customer Experience report said their tech doesn’t support omnichannel features, including in-storepickup and shipping from the store. Being able to fully integrate business tech is a significant indicator as towhether a company will be successful with their omnichannel plan, according to the report.Other highlights from the report include: 77 percent of merchants are using mobile devices to improve the in-store shopping experience. In the next year, 42 percent of retailers intend to offer in-store pickup. About one in four retailers said they don’t have a specific marketing plan.Source: In-Store Meets Online: Unifying the Retail Customer Experience, Kibo Software, 2016 2016 PYMNTS.com all rights reserved11
Engage the CustomerSource: In-Store Meets Online: Unifying the Retail Customer Experience, Kibo Software, 2016 2016 PYMNTS.com all rights reserved12
Engage the CustomerGoing socialA recent study by Rational Interaction found that nearly 93 percent of companies surveyed were not successfulat meeting consumers’ expectations on social media. The study revealed that 58 percent of Twitter userswho contacted a brand directly didn’t receive a reply addressing their concerns. The study also proposes thatbrands have a separate customer-focused Twitter handle to deal with consumer problems. Of the companiesthat have this type of handle, only 4 percent of messages directly sent to it didn’t receive a response.To kick off the fall season, UGG released a 24-hour Snapchat lens in the U.S. featuring Rosie HuntingtonWhiteley. The actress and model appeared in a video entitled “Rosie’s Everyday Survival,” which is the second offive videos of the digital initiative. In the video, Huntington-Whiteley incorporates UGG products into her autumnwardrobe. Fans of the company who participated in the campaign were encouraged to post images of theirfavorite looks, memes and comments made on Snapchat to their Twitter accounts.LoyaltyRetail chain Target is bolstering its newest rewards program, dubbed Cartwheel Perks, which was released infour cities and will eventually be launched throughout the U.S. The loyalty program is built into the Cartwheelapp and offers members an array of free prizes, ranging from coloring books to laundry detergents. Consumersget 10 points for each dollar spent, and there are also limited-time deals where bonus points will be addedto their accounts if they purchase a participating product. No date has yet been announced for a nationwiderelease.Prepaid gift card provider Blackhawk Network conducted a study focusing on consumers’ thoughts and useof egifts. More than 1,000 people participated in the June 2016 study, which found that 89 percent of thosesurveyed bought at least one gift card last year and 71 percent of that same group also purchased a minimumof one egift during the same timeframe. The study also revealed that 91 percent of respondents purchasedegifts because they were deemed to be fast and easy to buy. 2016 PYMNTS.com all rights reserved13
Engage the CustomerPersonalizationCustomer science company dunnhumby and retail chain Office Depot announced that they are continuing theirpartnership. In the past year, the companies worked together to improve the way Office Depot uses consumerdata. According to a press release, dunnhumby’s assistance has enhanced the omnichannel shoppingexperience for the office supplies retailer while also increasing customer loyalty.Crate and Barrel recently picked Moxie Software to use the company’s software-as-a-service (SaaS) solution toincrease consumer engagement and shopping experiences. SaaS also provides Crate and Barrel with ways toreach out to smartphone and other mobile device users. After experiencing a 30 percent spike in mobile trafficover the past year, Crate and Barrel determined Moxie Concierge could help improve checkout conversions andboost sales. 2016 PYMNTS.com all rights reserved14
Enable the CustomerEnableA semi-annual report by Criteo examined mobile commerce trends that can be used by marketers trying to puttogether effective business strategies. In the first half of this year, large U.S. retailers increased their mobilesales to 52 percent from 40 percent in the same time frame in 2015. Meanwhile, all retailers saw their mobileshare of online transactions increase by 17 percent year over year.Here are some other key highlights from the report: The average mobile share of retail eCommerce transactions for all U.S. merchants increased to 35 percentin the first half of 2016 from 30 percent in the second quarter of 2015. Japan and the U.K. are the only global communities where mobile transactions have surpassed the numberof sales completed via a desktop computer. Fashion and Luxury merchants led all other retailers in various industries for the U.S.’ mobile share of retaileCommerce sales, while Home finished at the bottom of the pack.Source: State of Mobile Commerce: United States H1, Criteo, 2016 2016 PYMNTS.com all rights reserved15
Enable the CustomerMobile paymentWalmart recently finalized a deal to acquire online marketplace Jet.com for 3 billion in cash. The retailbehemoth also included 300 million in company shares in the deal. The acquisition, which was announced onWalmart’s Instagram account, expands the company’s significant eCommerce base. Jet was trying to provideeCommerce giant Amazon with some competition.HSN recently delved into AR for its newly released mobile application. The AR app can now be accessed viatwo of HSN’s brands: Ballard Designs and Frontgate. The technology, developed by Cimagine, was developedto enable consumers to virtually see products they are considering purchasing inside their own homes usingimages. There are more than 1,000 photographs of various home décor items that can be used. Using theirmobile device’s camera, users can scan a room and the product will appear in 3D.Domino’s recently broadened its omnichannel approach by enabling U.S. customers to order via FacebookMessenger. Consumers have the option of repeating similar orders previously placed or making an Easy Order,which involves entering an order through their online account. The same type of service was introduced toconsumers in Ireland and the U.K. over the summer. To place an order, a customer can begin the process bytapping the pizza emoji or pressing the Easy Order or Recent Order buttons.Chase announced that it has reached an agreement with Best Buy that will allow the credit card companyto offer its mobile wallet for in-store, online and mobile customers. Chase Pay enables consumers tobuy products and earn rewards at the same time. The deal is intended to give customers seamless POStransactions. According to Chase, the partnership was a natural fit because 70 percent of U.S. residents livewithin 15 minutes of a store. 2016 PYMNTS.com all rights reserved16
Serve the CustomerServeA recent Ovum-TMT Intelligence report on omnichannel customer support revealed that 83 percent ofconsumers use mobile applications for assistance — up 19 percent from two years ago. During the same timeframe, customers using websites for help rose 7 percent to 64 percent. Additionally, 82 percent of consumerscut ties with a business after experiencing poor service.The report also notes how call centers offer or intend to offer mobile support solutions such as: Mobile responsive websites (69 percent) Mobile apps (58 percent) Mobile chat support (56 percent)Source: Get It Right: Deliver the Omni-Channel Support Customers Want, Ovum-TMT Intelligence, 2016 2016 PYMNTS.com all rights reserved17
Serve the CustomerManagementA recent holiday retail study, sponsored by Radial and conducted by CFI Group, found that 51 percent of thosesurveyed said holiday purchases arriving late would prevent them from shopping at that retailer in the future.The study reveals that 77 percent of the consumers surveyed said they are somewhat to very likely to sharetheir shopping experiences via a social media platform. Almost 9 out of 10 respondents said they would boosttheir overall order size to receive free shipping. More than 500 people participated in the survey.Risk analytics provider Provenir recently announced that Rent-A-Center is using the company’s solution aimedat helping process consumer applications at a faster rate. Provenir Cloud, which will serve as hub for linkingvarious data types with risk models, processes applications for lease purchase agreements tied to Rent-ACenter’s Acceptance Now division.Google’s parent company Alphabet announced the first phase of the drone-delivery project, dubbed ProjectWing, which focuses on drones delivering Chipotle food to Virginia Tech students. The implementation comesafter the FAA approved drones for commercial use. The drones begin at a Chipotle truck, pick up a burrito andthen fly it to a student’s address. 2016 PYMNTS.com all rights reserved18
Serve the CustomerBuy online, pick up in storeIKEA plans to generate new growth by building a stronger omnichannel program. It was recently reported thatthe furniture retailer has opened nearly 20 click-and-collect points in 2016. By adding this omni extension, thecompany hopes to better determine how to stock items at different retail locations.JCPenney’s investment in omnicommerce appears to be working after implementing tech for its buy-onlinepick-up-in-store program and mobile application. The redesigned mobile app offers customers coupons andrewards program accessibility. The retailer saw sales increase in Q2 2015 by 1.5 percent, generating 2.9billion in revenue.CheckoutShell Retail and Revel Systems partnered to offer an iPad POS system at gas pump sites. Revel’s tech systemis aimed at helping companies keep track of payments. The technology involves using a cloud platform andAPIs that provide businesses with current data.Outdoor pay terminals were recently installed at Rutter’s Farms Stores’ gas pumps. NCR Optic acceptscontactless payment forms and credit or debit cards. A 2D barcode scanner was built into the terminals, whichfeature either a 5- or 12-inch screen. Rutter’s runs several dozen food and gas sites. 2016 PYMNTS.com all rights reserved19
Scorecard – Providers are listed in alphabetical order47Engage10Enable26Serve83American Eagle OutfittersAmerican Eagle Outfitters sells clothing and other accessories. The company, which has more than 1,000 stores, sellsproducts at its brick-and-mortar locations, online and through its mobile app.27Engage5Enable2254ServeAppleApple is a multinational technology giant that has optimized its retail platform for extending omnichannel experiencein-store, on its website and mobile app.33Engage10Enable1659New!ServeBarnes & NobleBarnes & Noble, Inc., is a Fortune 500 company and retailer of content, digital media and educational products. Thecompany operates nearly 650 Barnes & Noble bookstores in 50 states and an e-commerce site. 2016 PYMNTS.com all rights reserved20
Scorecard44Engage10Enable3286ServeBass ProBass Pro Shops is an outdoor gear supplier that sells camping, fishing, hunting, nature gifts and other products throughretail stores, a mobile app, website and mail-order catalogue.38Engage10Enable2674ServeBed Bath & BeyondThe domestic merchandise retailer offers a wide variety of products including bed linens and related items, bath items,and kitchen textiles, as well as home furnishings. The company sells products online, in-store and through its mobile app.50Engage10Enable2282ServeBest Buy Co. Inc.Best Buy is a consumer electronic corporation that generates close to 40 billion in revenue annually. The companybegan its omnichannel program four years ago as it reported heavy loses in sales and revenue. Since then, the companyhas realigned its omnichannel strategy with new initiatives that provide a unified experience to its customers whetherthey are shopping online or at its brick-and-mortar locations. 2016 PYMNTS.com all rights reserved21
Scorecard46Engage10Enable4097ServeChico’s Fas Inc.Chico’sFAS is an omnichannel specialty retailer of women’s clothing and accessories that connects to its customerson eight different mediums, including print, web, television, mobile and brick and mortar store locations. The companycurrently operates over 1,500 stores in the U.S. and Canada and supplies merchandise in Mexico through franchises.36Engage106EnableServe52Costco WholesaleCostco Wholesale, a global membership retail club, operates in several countries. The company sells products online, instore and via its mobile app.37Engage106EnableServe53Dollar GeneralDollar General, a discount retailer, has nearly 13,000 locations nationwide, and sells food, snacks, health and beautyaids, cleaning supplies, basic apparel, housewares and seasonal items. The merchant sells products online, in-store andthrough its mobile app. 2016 PYMNTS.com all rights reserved22
Scorecard35Engage10Enable1257ServeDollar Tree Inc.Dollar Tree is a discount retailer that has more than 5,000 stores and 10 distribution centers in America and Canada. Thecompany sells products in-store, online and via its mobile app.35Engage10Enable2671ServeFamily DollarFamily Dollar is a discount retailer that sells products at more than 8,200 stores in America. The company sells productsin-store, online and via its mobile app.14Engage0Enable2034New!ServeFive BelowFive Below is a retailer with 440 stores in 27 states. The company, aimed at teens, pre-teens and their parents, sellsproducts in several different in-store “worlds,” including Candy, Crafts, Now, Party, Room, Sports, Style and Tech. Thecompa
reaching an agreement to allow the credit card company to offer its digital wallet, Chase Pay, via the retailer’s mobile app. The wallet, which enables consumers to purchase products and earn rewards, is also available for o
May 02, 2018 · D. Program Evaluation ͟The organization has provided a description of the framework for how each program will be evaluated. The framework should include all the elements below: ͟The evaluation methods are cost-effective for the organization ͟Quantitative and qualitative data is being collected (at Basics tier, data collection must have begun)
Silat is a combative art of self-defense and survival rooted from Matay archipelago. It was traced at thé early of Langkasuka Kingdom (2nd century CE) till thé reign of Melaka (Malaysia) Sultanate era (13th century). Silat has now evolved to become part of social culture and tradition with thé appearance of a fine physical and spiritual .
̶The leading indicator of employee engagement is based on the quality of the relationship between employee and supervisor Empower your managers! ̶Help them understand the impact on the organization ̶Share important changes, plan options, tasks, and deadlines ̶Provide key messages and talking points ̶Prepare them to answer employee questions
On an exceptional basis, Member States may request UNESCO to provide thé candidates with access to thé platform so they can complète thé form by themselves. Thèse requests must be addressed to esd rize unesco. or by 15 A ril 2021 UNESCO will provide thé nomineewith accessto thé platform via their émail address.
Dr. Sunita Bharatwal** Dr. Pawan Garga*** Abstract Customer satisfaction is derived from thè functionalities and values, a product or Service can provide. The current study aims to segregate thè dimensions of ordine Service quality and gather insights on its impact on web shopping. The trends of purchases have
Chính Văn.- Còn đức Thế tôn thì tuệ giác cực kỳ trong sạch 8: hiện hành bất nhị 9, đạt đến vô tướng 10, đứng vào chỗ đứng của các đức Thế tôn 11, thể hiện tính bình đẳng của các Ngài, đến chỗ không còn chướng ngại 12, giáo pháp không thể khuynh đảo, tâm thức không bị cản trở, cái được
Le genou de Lucy. Odile Jacob. 1999. Coppens Y. Pré-textes. L’homme préhistorique en morceaux. Eds Odile Jacob. 2011. Costentin J., Delaveau P. Café, thé, chocolat, les bons effets sur le cerveau et pour le corps. Editions Odile Jacob. 2010. Crawford M., Marsh D. The driving force : food in human evolution and the future.
Le genou de Lucy. Odile Jacob. 1999. Coppens Y. Pré-textes. L’homme préhistorique en morceaux. Eds Odile Jacob. 2011. Costentin J., Delaveau P. Café, thé, chocolat, les bons effets sur le cerveau et pour le corps. Editions Odile Jacob. 2010. 3 Crawford M., Marsh D. The driving force : food in human evolution and the future.
