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January/February 2015View OnlineKWI Debuts Apple Pay at NRFAs always, the Big Show was a big deal for KWI, providing a high-energy environment in which to greet many of our esteemed clients and meet potential newones. The KWI Cloud 9 Mobile POS platform was a major draw, now more thanever, with the addition of Apple Pay, which we debuted right on the showRead MoreSenior Apple Executive Delivers Keynote Speech at KWI DinnerKWI’s annual Executive Dinner at restaurant DANIEL during the January NRFBig Show is always a major event. But this year’s dinner was truly amazing.Sam Kliger, Founder and CEO of KWI, was delighted to present a very specialguest speaker: Jennifer Bailey of Apple. Bailey is the head of Apple Pay.Read MoreIntroducing New Mobile POS Hardware and POS Payment DevicesKWI keeps you ahead of the game while preparing you for ongoing changes in thePayment Card industry. This year, we are launching new, leading-edge products tosupport the latest changes and improvements, including Apple Pay, PIN debit andEMV. These enhancements will deliver fast and secure transaction processing whileRead MoreShortcuts: Quick Tips to Enhance Your Retail SuccessCRM Tip:Loss Prevention Tip:Merchant Services Tip:Make a CRM New Year’s Resolution:The Shift to Online Fraud:EMV and the Power of ThreeRun a More Effective ProgramAre You Protected?EMV (EuroPay, MasterCard, and Visa)As industry retailers increasingly relyIn the past decade there hasstands for the three payment brandsRead MoreRead MoreRead More
January/February 2015Back to Page OneKWI Debuts Apple Pay at NRFIt’s the latest addition to our industry-leading Omni-Channel platformAs always, the Big Show was a big deal for KWI, providing ahigh-energy environment in which to greet many of our esteemedclients and meet potential new ones. The KWI Cloud 9 MobilePOS platform was a major draw, now more than ever, with theaddition of Apple Pay, which we debuted right on the show floor.This latest achievement built on the power of our Omni-Channelretailing solution, and came just months after Apple’s ownannouncement. Based upon our prime location at the entrance tothe Expo hall and the strength of our platform KWI was the mustsee booth this year.The introduction of the much-anticipated Apple Pay, the contactless digital wallet, was announced by KWI on the first dayof the NRF Expo. According to KWI founder and CEO Sam Kliger, “this is just the first of many innovations to enhance theKWI Cloud 9 Mobile POS platform in 2015.” It comes in tandem, with the addition of the VeriFone PAYware Mobile e315and e335 sleds, to KWI’s product offering, supporting the retail industry’s Chip & Pin/EMV requirement for later this year.With 60 plus specialty retailers running the KWI Cloud 9 Mobile POS platform, KWI maintains its role as industry leader.“Our acquisition of the source code and associated patent licenses, in January, 2014 from VeriFone, enables KWI toquickly roll out new enhancements, as proven with the quick turnaround of Apple Pay. We are focused on providing ourclients with early-to-market advantages in delivering a world-class customer experience,” said Kliger.Fulfilling the promise of Omni-ChannelThe ease of Omni-Channel is imperative for today’s retailers focused on providing the optimal shopping experience.Increasingly, customers expect to engage with a brand in ways most convenient and meaningful for them.The optimal Omni-Channel experience requires the synergy of real-time retailing, real-time inventory visibility andunlimited distribution options, whether in-store pick up, ship to home or office, or same day delivery. KWI fulfills theBack to Page One
promise of Omni-Channel retailing with one unified platform that does it all.The KWI Cloud 9 Mobile POS platform is today’s most advanced and user-friendly Omni technology. It creates a seamlessintegration of multiple inventory locations. Instant customer lookup further enhances personalized sales interaction, buildsthe total purchase potential and supports an enjoyable sales transaction right through seamless payment, using anytender, on the Mobile POS device.Our complete Omni-Channel flexibility opens the door for any size retailer to run a world-class operation. As one of thefirst to integrate Apple Pay into an enterprise-class mobile solution, KWI has advanced its mission of delivering leadingedge enhancements while keeping its innovative retailers ahead of the curve.For more information, contact Gary Brill, Vice President Business Development,at [email protected] or call (516) 621-2400 ext. 325Back to Page One
January/February 2015Back to Page OneSenior Apple Executive Delivers Keynote Speech at KWI DinnerAn Insider’s View on Apple Pay!KWI’s annual Executive Dinner at restaurant DANIEL during theJanuary NRF Big Show is always a major event. But this year’sdinner was truly amazing. Sam Kliger, Founder and CEO of KWI, wasdelighted to present a very special guest speaker: Jennifer Bailey ofApple.Bailey is the head of Apple Pay. She was hand selected by Apple’sCEO to lead this strategic business initiative. Prior to her current role she ran apple.com globally for Apple.Having one of Apple’s senior executives present at the KWI dinner was a real coup on behalf of our clients, and herpresentation could not have been more timely. Just hours earlier, on the floor of the NRF Expo, Kliger had announced theavailability of Apple Pay on the KWI Cloud 9 Mobile POS platform.A Superior Retail ExperienceSenior executives from the retail industry listened attentively as Bailey discussed what Apple Pay means for retail andhow it came to market. She referred to Apple Pay as the “all around customer experience” driving product innovationat Apple. This is a strong synergy with KWI, which also puts the Customer Experience at the center of all we do for ourclients.Eight years ago, Apple introduced Mobile POS. Just 11 weeks ago, Apple Pay had its ‘coming out’, introducing a newway to pay and a great customer experience. This cutting-edge, frictionless and wallet-less payment solution is garneringexceptional retail industry buzz. Without exaggeration, it marks the dawn of a new era.Launched with the new iPhone 6 series, Apple Pay evolves the wallet. It takes the credit and gift cards that customersrely on every day, and stores them securely on their preferred device. NFC readers easily and securely transmit the retailtransactions.Back to Page One
Higher Security than Google WalletKnowing the importance of data privacy for today’s customers, Apple wanted to limit accessibility of transactionalinformation. A key point of difference with Google Wallet is that Apple Pay does not collect the customer information formarketing or analytic purposes, so there is never an issue of interception. Initial tests with American Express, Visa andMasterCard validated the success of Apple Pay, sending data for authentication and verification directly to the bankswithout creating a data trail in the store.This is customer convenience at its best and delivered with ‘one tap checkout’. Combined with Passbook, Apple Pay canhold all gift and credit card information securely, with extreme ease of use and advanced privacy.Today, Apple Pay is working with over 50 merchant partners, each with multiple credit cards enabled in Passbook.Consumers may choose a default card and easily change it in Passbook if they wish to use this alternate card. Apple Payis currently accepted at hundreds of retailers and is growing daily.For more information, contact Gary Brill, Vice President Business Development,at [email protected] or call (516) 621-2400 ext. 325Back to Page One
January/February 2015Back to Page OneIntroducing New Mobile POS Hardware and POS Payment DevicesNew Pin-Pads, Apple Pay – and More on the Way!KWI keeps you ahead of the game while preparing you for ongoing changes in the Payment Card industry. This year, we arelaunching new, leading-edge products to support the latest changes and improvements, including Apple Pay, PIN debit andEMV. These enhancements will deliver fast and secure transaction processing while providing comfort and convenience foryour customers.Following are some details regarding new hardware which will keep your operation ahead of thepayment curve.Mobile Payment DevicesVeriFone e315/e335VeriFone’s PAYware Mobile e315 accommodates the Apple iPod touch Gen 5 to createthe ultimate mobile POS solution. The e335 model pairs with the Apple iPad mini to createdynamic POS anywhere a sales associate interacts with a customer.Ergonomically designed to fit comfortably in any hand, these devices feature a built-in PIN pad and 2D laser barcodeimage. It is able to process any kind of payment including mag-stripe, contactless digital wallets like Apple Pay, EMV andPIN debit.POS Payment DevicesVeriFone Mx915/ Mx925The Mx915 (4.3” color display) and the Mx925 (7” color display) offer the latest technology available for pin-pads. Thedevices support multiple payment types including mag-stripe, EMV and PIN debit as well as contactless digital wallets likeApple Pay. These new pin-pads replace our current Ingenico series pin-pads.Be an early adopter of these game-changing technologies! To learn more about our exciting new payment devices, pleasegive KWI a call.For more information, please contact Christine Colasanto, Manager of Payment Systems,[email protected] or (516) 621-2400 ext. 376Back to Page One
January/February 2015Back to Page OneShort Cuts: Quick Tips to Enhance Your Retail SuccessMake a CRM New Year’s Resolution: Run a More Effective Programby Evan Rubin, Vice President KWI-CRMAs industry retailers increasingly rely on digital technologies, they gather more thanvital customer information. They also gain access to rich data from the performanceand efficiency of their sales associates.While it is important to track performances and efficiency with the goal of creatingprograms for improvement, retailers should, in addition, also focus on theeffectiveness of store systems technology used by their sales associates, especiallythe CRM tools provided.Providing sales associates with the right tools and skills, utilizing your CRM system, will help lead to higher programsuccesses and results. However, the challenge for many retailers is convincing their sales associates to regularly use theCRM system so as to strengthen and grow that essential “Customer Relationship”.Start the New Year by encouraging your sales associates to understand what your CRM system can do, and how it canhelp each member in succeeding as a top-performing associate. You may want to organize a review of these key CRMcapabilities: Analysis of a customer’s buying history: Once associates know the customer’s proven behavior, they can proactivelyreach out with communications regarding the most compelling new merchandise and/or services available. Insight into what the customer wants to buy from you: A more knowledgeable response may be offered during atransaction by first identifying the customer’s needs. Grow the customer database utilizing informed targeting practices: Group customers by shared behaviors for moreefficient promotional design.Back to Page One
KWI’s enterprise-class platform is designed to create a dynamic and accurate client database. For more information onutilizing this database for all its CRM value, please contact us.For more information, please contact Evan Rubin, Vice President KWI-CRM, at [email protected] or(516) 621-2400, ext. 367.The Shift to Online Fraud: Are You Protected?by Lauren Pedro, Senior Manager of Client Services, The Zellman GroupIn the past decade there has been a rumbling in thedistance, deep beneath the stockrooms of retailers’ flagshipstores. In recent years these rumblings have grownstronger, and it is not the sound of increasing foot traffic onBlack Friday. Rather, it is a full tectonic shift in the world ofretail. As foot traffic slows in brick and mortar, eCommerce/mCommerce continues to grow. This shift requires retailersto take control of their ecommerce environments and the customer service that follows.Another change on the horizon is the looming EMV mandate. Here we will see in-store credit card fraud virtuallydisappear. The bad news is, fraudsters will now gravitate to online retailers. The ability to identify good customers fromfraudsters will be imperative.Online retailers with weak or no fraud protection will be bombarded by fraudsters. The use of fraudulent credit cards willresult in chargebacks, financial loss and the loss of product to be sold to legitimate customers. On the other hand, if anonline retailer chooses fraud protection that is too severe and lacks flexibility, they run the risk of losing sales to goodcustomers due to orders being declined.If you are expecting that Acquirer, Gateway or Issuers will reduce your fraud risk, you may be disappointed to learn thelimitation of their protection. eCommerce fraud is a deep and opportunistic space, with fraudsters masking themselves byhiding behind the veil of legitimacy. Finding and reducing online fraud demands a team of experts to analyze trends andstay current on industry news, payment methods and ways to thwart unwanted traffic. This is your legitimate expectationof an eCommerce Fraud solution, and it is an area where The Zellman Group excels.Ask about our eCommerce Fraud detection and prevention tool.Back to Page One
For more information, please contact Lauren Pedro, Senior Manager of Client Services, at [email protected] (516) 625-0006, ext. 426.EMV and the Power of Threeby Christine Colasanto, Manager of Payment Systems, KWIMSEMV (EuroPay, MasterCard, and Visa) stands for the three payment brands thatfounded the smart credit card standard. Their fraud reduction technology is atriple-threat power that can help protect your business from counterfeit and lostor stolen payment cards at point of sale.All of today’s EMV cards contain embedded microprocessors. Thesemicroprocessors include chips which interact with your POS device to ensurethe validity of the card and its user. The data on the chip ensures that the card isauthentic. The PIN or signature ensures that the person presenting the card is the rightful cardholder.Be compliant, or be liable!Smart card technology adds layers of security against fraud and is virtually impossible to duplicate, making an alreadysafe payment system even more secure.First introduced in 1996, there are now over a billion EMV compliant, chip-based cards used at 15.4 million EMVacceptance terminals in over 80 countries. As acceptance of EMV cards continues to grow, it is just a matter of timebefore smart card technology becomes a widely adopted standard in the United States.MasterCard, Visa, Discover and American Express announced their schedules for EMV conversion in the U.S. market.Although they cannot pass or enforce any laws governing smart card usage and acceptance, they do have another meansof influencing the industry. By changing their liability policies for credit card fraud, effectively shifting card fraud liabilityto the least compliant party, they can encourage merchants to make the switch. Merchants are therefore not technicallyforced to upgrade to EMV standards, but they would have a strong incentive to do so. The liability shift is scheduled totake place in October 2015.For more information, please contact Christine Colasanto, Manager of Payment Systems, [email protected] or(516) 621-2400 ext. 376Back to Page One
KWI Cloud 9 Mobile POS platform in 2015.” It comes in tandem, with the addition of the VeriFone PAYware Mobile e315 and e335 sleds, to KWI’s product offering, supporting the retail indus
