1. Proprietary and Confidential
April 10, 2014
The 5 Essential Truths About Payments,
Commerce and The US Digital Consumer
PYMNTS.com Analysis of Key Facts Reported in the recently
released 2014 comScore US Digital Future in Focus Whitepaper

2. Proprietary and Confidential
1. Multiple
Devices Rule The
Consumer
Experience
What You Need To Know*
1.56 percent of consumers use multiple devices to
access the internet
2.Virtually all of the growth in internet usage has come
from smartphones and tablets
3.Smartphone use has surpassed desktop usage, but
is incremental to desktop usage.
**Source: comScore
What You Need To Do
About It**
•Omnichannel will also rule
the retail and commerce
experience
•Consumers will expect to
move seamlessly between
device environments and will
expect you to do the same
•Monetizing that experience
will require a value-add and
compelling “ask” of that
consumer – ad prices are
depressed given the
availability of inventory and
offers are too prevalent
2 |

3. Proprietary and Confidential
3. Mobile Drives
Social Content
Sharing
What You Need To Know*
1.Growth in social network traffic is being driven by
mobile devices.
2.“Camera content” was a key driver of that growth,
including the creation of mobile-only social networks
like Vine and Instagram
3.Monetization is trending towards embedded ads in
posts, newstreams and stories so that it looks more
like content and less like ads
What You Need To Do
About It
•Consumers increasingly rely
on social referrals for
decision making on a variety
of products and services –
good news travels fast but
bad news travels even faster.
•Cameras enable the easy
capture and sharing of
information that helps with
the consumer’s purchase
decision, including pricing
checking and inventory
availability
•Innovators are harnessing
the power of cameras to help
retailers convert
showroomers into customers
as well as capture important3 |

4. Proprietary and Confidential
4. Mobile
Monetization
Disappoints
What You Need To Know*
1.Native ad units drive growth in ad revenues for many
social networks, but most digital ads are not even
seen by consumers (56 percent)
2.Retail ads underperform, as a category, while
Financial services tend to neither over or
underperform.
3.The big “but” is that mobile ads tend to lift purchase
intent by 28 percent
What You Need To Do
About It
•The real-time connection
between retailers and
consumers provide a perfect
channel for retailers to serve
promotions, ads and/or
other offers during the
purchase process
•Context and relevance
become critical in order for
consumers to “welcome” the
intrusion
•Beacon technologies provide
merchants and consumers
with a valuable micro-
targeted environment with
which to further reach
consumers. Content and
relevance will become even4 |

5. Proprietary and Confidential
5. Mobile Blurs
Payments and
Commerce Lines
What You Need To Know*
1.Mobile is a small (12 percent) but growing percent of
online retail spending, growing 23 percent/year
2.Tablets drive higher per user spend, mobile drives
more overall spend
3.Mobile drives more than 10 percent of discretionary
spending, expected to grow to 15 percent by 2015.
*Source: comScore
What You Need To Do
About It
•Having a convenient way to
pay online will increase
overall spend – entering
account information online
is cumbersome
•There is a strong
relationship between existing
digital wallets/wallet
providers and top online
merchants: Amazon/One
click, eBay/PayPal,
Apple/iTunes
•The holy grail for payments
and commerce is responding
to the blurring of on and
offline commerce channels,
consumers use of multiple
devices and a single,5 |

6. Proprietary and Confidential
For More Information
Please see our exclusive PYMNTS.com commentary on the “must have”
insights on this topic
•MIRROR
, MIRROR, ON THE WALL, WHOSE DIGITAL WALLET WILL BE USED MOST OF ALL?
•APPS AND MERCHANTS AND PAYMENTS, OH MY!
•THE PAYMENTS SIXTH SENSE
•THE COMING PHYSICAL RETAIL DEATH SPIRAL
Please sign up for our daily newsletter
SIGN UP
To download the comScore U.S. Digital Future In Focus 2014, visit this link
NEED TO PUT LINK ON THE SITE 2014 U.S. Digital Future in Focus -
comScore, Inc
6 |

7. Proprietary and Confidential
For More Information
Please see our exclusive PYMNTS.com commentary on the “must have”
insights on this topic
•MIRROR
, MIRROR, ON THE WALL, WHOSE DIGITAL WALLET WILL BE USED MOST OF ALL?
•APPS AND MERCHANTS AND PAYMENTS, OH MY!
•THE PAYMENTS SIXTH SENSE
•THE COMING PHYSICAL RETAIL DEATH SPIRAL
Please sign up for our daily newsletter
SIGN UP
To download the comScore U.S. Digital Future In Focus 2014, visit this link
NEED TO PUT LINK ON THE SITE 2014 U.S. Digital Future in Focus -
comScore, Inc
6 |