2010 UK Gift Card Consumer Insights Study

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "2010 UK Gift Card Consumer Insights Study"

Transcription

1 2010 UK Gift Card Consumer Insights Study April 2011 Copyright 2011 First Data Corporation

2 Table of Contents Overview 3 Background 4 Study Objectives 5 Methodology 6 Key Insights 7 Overall Gift Card Prevalence 12 Purchase Behavior 16 Influences on Purchase 25 Gift Card Mall 31 Reloading 36 E-gift Concept 43 Incentive Effectiveness 48 Demographics 50 Copyright 2011 First Data Corporation 2

3 OVERVIEW Copyright 2011 First Data Corporation 3

4 Background First Data offers prepaid card products and services to a wide variety of merchants For the past several years First Data has conducted an annual market survey (Consumer Insights Study) among gift card purchasers and receivers of both closed and open loop cards in the US and Canada This is the first year a comparable study has been conducted in the UK and Germany This important study: Identifies market and consumer gift card trends and consumer needs and preferences Provides information that is shared with First Data clients and is used to help enhance their gift card programs Positions First Data as the major thought leader and industry expert in the gift card arena Copyright 2011 First Data Corporation 4

5 Study Objectives The primary objective of the Consumer Insights Study is to examine market and consumer trends, as well as consumers needs and preferences, as they relate to gift cards. The results of the study: Quantify the percent of the United Kingdom and Germany populations who have purchased gift cards or intend to purchase gift cards Identify specific buying behaviors associated with gift card purchasing Examine the gift card decision-making process Identify reload behaviors Determine interest in e-gift card Evaluate the influence of incentives on gift card purchase Copyright 2011 First Data Corporation 5

6 Methodology United Kingdom A 15-minute web-based survey, using the e-rewards online panel First Data was not identified as the study sponsor Fielded: October 20 November 4, 2010 To participate in the study respondents had to be: 18 years of age of older Aware of gift cards Sample size: 1,202 Additional analysis: An identical study among Germany consumers (n=1200); results presented in a separate report Copyright 2011 First Data Corporation 6

7 Key Insights Copyright 2011 First Data Corporation 7

8 Key Insights - Purchase Behavior Key Findings Many UK Consumers have purchased and/or intend to purchase gift cards in 2010 Among all UK consumers who qualified to participate in the survey: Over half (53%) indicate they have purchased a gift card in the last year. 60% indicate they intend to purchase a gift card before the end of % indicated they both purchased and intend to purchase a gift card in Among UK consumers who completed the survey: An average of 3.2 gift cards in total were purchased by consumers, most of which are associated with closed loop purchases (2.9) versus open loop purchases (1.8). Open Loop gift cards are less popular, but show future growth potential Significantly more consumers who intend to purchase before the end of 2010 indicate they will purchase an open loop card (32% compared to 24% who purchased already). Consumers purchase from gift card malls because of convenience Two-thirds of gift card mall purchasers say the main reason for purchasing from a gift card mall is convenience/time savings. Copyright 2011 First Data Corporation 8

9 Key Insights Influence on Purchase Key Findings Purchasers want to be able to get a card in the pound value they want UK consumers say the most important feature when purchasing a gift card is being able to get a card in the pound value they want. If an item is out-of-stock, a gift card purchase is somewhat likely One-third of consumers who purchased are likely to buy a gift card if an item is out of stock. Recipient desires influence UK purchasers One-quarter (24%) of purchasers say the recipient asked for a gift card; of those, 80% requested a card from a specific store. Copyright 2011 First Data Corporation 9

10 Key Insights Reloading Behavior Key Findings Consumers who reloaded mainly reloaded a closed loop card, reloaded in a store, and reloaded for a specific gift or occasion 18% of UK purchasers/receivers have reloaded a gift card. Of these, 84% reloaded a closed loop card and 83% reloaded in a store. (Reloading in the store is also the preferred place for reloading at 73%.) Three in ten (30%) reloaded for a specific gift or occasion. Reloaders indicate that visit frequency and spend amounts increase as a result of reloading One-third (34%) of reloaders say they visit the store more and 28% say they spend more per visit. Copyright 2011 First Data Corporation 10

11 Key Insights E-Gift Concept Key Findings E-gift card adoption is in its early stages 32% of consumers are likely to send an e-gift card, while 49% are interested in receiving one. Virtually all recipients of an e-gift card (98%) received it via . Ease of use affects sending an e-gift card One-third are likely to send an e-gift card because it is easier to , delivery is immediate, and it is easier to redeem. A significant percentage say they are likely to send an e-gift card 32% of consumers say they are likely to send an e-gift card. If received, e-gift cards would likely be used for online purchases 53% say they would redeem an e-gift online. 22% would do so in store and 25% aren t sure. Copyright 2011 First Data Corporation 11

12 Overall Gift Card Prevalence Copyright 2011 First Data Corporation 12

13 Purchase Behavior Two-thirds of UK consumers have purchased a gift card in the past year and threefourths are likely to purchase a gift card before the end of Copyright 2011 First Data Corporation 13

14 Purchase Intention* Six in ten UK consumers intend to purchase a gift card before the end of 2010, indicating growth in comparison to the percent of consumers who have purchased in the past year (53%). Purchased Distribution *Does not sum to 100% due to inability to classify all cases. Copyright 2011 First Data Corporation 14

15 Purchase Type Closed loop gift cards are more popular in general in the UK. However, more consumers intend to purchase open loop cards than those who have purchased in the past, indicating a possible shift in the type of gift cards purchased in the future. b a/b indicates significant difference at 95% confidence. Copyright 2011 First Data Corporation 15

16 Purchase Behavior Copyright 2011 First Data Corporation 16

17 Volume of Closed and Open Loop Purchases The majority of open loop purchasers only purchase one or two cards while closed loop cards have a more varied distribution. Open Loop Cards Purchased Average # of Gift Cards: Purchased Total 3.2 Closed Loop 2.9 Open Loop 1.8 Copyright 2011 First Data Corporation 17

18 Occasions for Purchase: Closed Loop Gift Cards UK consumers who have purchased a closed loop gift card in the past year mainly purchased for a birthday. Occasion for Purchase Copyright 2011 First Data Corporation RECOMMENDATION Provide card designs that align with peak occasions for your business. 18

19 Person for Whom Gift Card was Purchased Gift cards have been purchased most for friends and family members. % of Gift Cards per Recipient Type Copyright 2011 First Data Corporation 19

20 Closed Loop Retailers Most UK consumers purchased from a specialty retail store or a department store. % of People Purchasing at Retailer Type Copyright 2011 First Data Corporation 20

21 Share of Pounds by Retailer Type: Purchased Among UK consumers who have purchased gift cards in the past year, department stores hold the largest share of pounds at 37% followed by specialty retail stores at 29%. Average # Purchased Average Spent/Unit Share Department Store (n=369) % Specialty Store (n=374) % Grocery Store (n=66) % Entertainment (n=114) % Other (n=50) % Drug Store (n=76) % Fine Dining (n=13)* % Coffee Shop (n=33) % Discount Store (n=16)* % Fast Casual (n=12)* % Gas Station (n=4)* <1% Fast Food (n=3)* <1% CONCLUSION Competition across verticals remains strong. RECOMMENDATION Look for opportunities to differentiate your gift card offerings. Open Loop (n=242) NA * Small base size n<30. Interpret with caution. Copyright 2011 First Data Corporation 21

22 Share of Pounds by Retailer Type: Intend to Purchase Among UK consumers who intent to purchase gift cards in 2010, department stores hold the largest share of pounds at 37% followed by specialty retail stores at 33%. Average # Purchased Average Spent/Unit Share Department Store (n=288) % Specialty Store (n=308) % Entertainment (n=100) % Grocery Store (n=35) % Drug Store (n=51) % Other (n=34) % Fine Dining (n=12)* % Fast Casual (n=6)* % Discount Store (n=6)* % Coffee Shop (n=24)* % Gas Station (n=4)* <1% Fast Food (n=1)* <1% Open Loop (n=347) NA * Small base size n<30. Interpret with caution. Copyright 2011 First Data Corporation 22

23 Self-Purchasing of Gift Cards Fewer than one in ten UK consumers have ever purchased a gift card for themselves. Of those who have, one-fourth say the most important reason for doing so was to make online purchases. Copyright 2011 First Data Corporation 23

24 Primary Reason for Non-Purchase UK consumers who have not purchased and do not intend to purchase a gift card indicate the primary reason is that gift cards are not personal enough. Copyright 2011 First Data Corporation 24

25 Influences On Purchase Copyright 2011 First Data Corporation 25

26 Influences on Gift Card Purchase The main reason that consumers would purchase a gift card is so the receiver can buy what they want. Main Reasons for Purchasing a Gift Card as Opposed to a Gift (Purchased and/or Intend to Purchase) RECOMMENDATION Focus advertising on the convenience for both the purchaser and the receiver Copyright 2011 First Data Corporation 26

27 Selecting the Gift Card In the UK, consumers purchase/intend to purchase a gift card from the type of store the receiver would like or visits frequently. Being able to purchase the card in the desired amount is the most important feature. Copyright 2011 First Data Corporation 27

28 Selecting the Gift Card Most consumers who have purchased cards in the past say they purchased two weeks in advance or less. Copyright 2011 First Data Corporation 28

29 Recipient Influence One-fourth of purchasers indicate that the gift card recipient asked for the gift card. Of those, most indicate that the recipient asked for a card from a specific store. Copyright 2011 First Data Corporation 29

30 Likelihood of Purchasing Gift Card if Item is Out-of- Stock One-third of consumers who purchased a gift card indicate they would purchase a gift card if the item they want is out-of-stock. Likelihood of Purchasing Gift Card if Item is Out-of-Stock Likely: 33% RECOMMENDATION Include gift card displays with merchandise often bought as gifts Use out-of-stock tags as a way to promote gift cards: This item is currently out of stock. Consider purchasing a gift card instead. Copyright 2011 First Data Corporation 30

31 Gift Card Mall Copyright 2011 First Data Corporation 31

32 Gift Card Purchase Location Most UK purchasers buy in person at the specific store or at a gift card mall. % of Purchasers who Bought from Various Gift Card Locations Copyright 2011 First Data Corporation 32

33 Closed Loop Purchase Behavior: Gift Card Malls In the event the gift card mall is out-of-stock of a desired gift card, nearly 4 in 10 will end up not buying the desired card. Copyright 2011 First Data Corporation 33

34 Reason for Gift Card Mall Purchase Two-thirds of UK consumers who have purchased from a gift card mall say they did so because it was convenient or saved time. Copyright 2011 First Data Corporation 34

35 Location of Gift Card Mall UK consumers who purchased from a gift card mall indicate they did so at a specialty retail store or a grocery store. Location of Gift Card Mall by Card Type Copyright 2011 First Data Corporation 35

36 Reloading Copyright 2011 First Data Corporation 36

37 Reloading Behavior Almost one in five UK consumers who purchased or received a gift card in 2010 reloaded. The majority reloaded a closed loop card and reloaded in the store. Copyright 2011 First Data Corporation 37

38 Reasons for Not Reloading Gift Card Those who purchased or received a gift card but did not reload indicate lack of need/interest, that the card was given to someone else, or that they prefer to pay with a credit/debit card. RECOMMENDATIONS When a customer uses a gift card, have the cashier ask if they would like to reload the card Make it clear that the card is reloadable and explain how to reload either on the card itself or on the packaging Copyright 2011 First Data Corporation 38

39 Reloading Preferences for Current Non-Reloaders UK consumers who have not reloaded indicate if they did reload that they would prefer to reload in the store. Copyright 2011 First Data Corporation 39

40 Reasons for Reloading Gift Card In the UK, the primary reason for reloading is for a specific gift or occasion. RECOMMENDATIONS When possible, offer incentives for reloading such as rewards or discounts Emphasize the convenience of reloading and reusing gift cards Copyright 2011 First Data Corporation 40

41 Visit Frequency Most UK reloaders visit the store at least once a month. Reloading increases visit frequency for one-third of UK reloaders. Copyright 2011 First Data Corporation 41

42 Average Purchase Amount More than one-fourth of reloaders indicate that they spend more per visit. Copyright 2011 First Data Corporation 42

43 e-gift Concept Copyright 2011 First Data Corporation 43

44 E-Gift Card Exposure Most consumers have never purchased or received e-gift cards. However, almost all of those who have received one received it through . EG1. Have you purchased Copyright an e-gift card 2011 before? First (n=1202) Data Corporation EG2. Have you received an e-gift card before? (n=1202) EG3. How did you receive your e-gift card? (n=89) 44

45 Likelihood of Sending e-gift Cards Likelihood of sending an e-gift card is split equally among UK consumers as likely, indifferent, or unlikely. Those who are unlikely say they prefer to give an actual card. Those who are likely say it is easier to , delivery is faster, and it is easier to redeem. RECOMMENDATION Consider selling virtual gift cards through your website to learn about the virtual card channel and increase distribution of your card Copyright 2011 First Data Corporation 45

46 Interest in Receiving e-gift Cards Approximately half of UK consumers are interested in receiving an e-gift card. Those who are not interested indicate they want the actual card. Copyright 2011 First Data Corporation 46

47 e-gift Card Redemption More than half of UK consumers report they would redeem e-gift cards online if they were to receive one. However, one quarter are not sure where they would go. Copyright 2011 First Data Corporation 47

48 Incentive Effectiveness Copyright 2011 First Data Corporation 48

49 Incentives Received The majority of consumers report never receiving a gift card as an incentive. Of the incentive options, fewer indicate receipt of or interest in purchasing a gift card and receiving a free/discounted card from the same store. Copyright 2011 First Data Corporation 49

50 Demographics Copyright 2011 First Data Corporation 50

51 Demographics Total (n=1202) Purchased only (n=91) Intend to Purchase only (n=161) Both (n=750) Neither (n=200) Products Held (a) (b) (c) (d) Checking account 88% 89% 89% 88% 88% Savings account 93% 95% 93% 93% 91% Debit card 99% 100% 100% 99% 98% Credit card 93% 97% 91% 94% 94% Use Direct Deposit Yes 86% 80% 86% 87% 86% No 12% 16% 13% 12% 12% Unsure 2% 4% c 1% 1% 2% a/b/c/d indicates significant difference at 95% confidence. Copyright 2011 First Data Corporation 51

52 Demographics Total (n=1202) Purchased only (n=91) Intend to Purchase only (n=161) Both (n=750) Neither (n=200) Gender (a) (b) (c) (d) Male 53% 47% 55% 51% 64% ac Female 47% 53% d 45% 49% d 36% Age % 2% 7% cd 3% 2% % 24% bd 12% 17% d 11% % 19% d 15% 22% bd 10% % 21% 27% 23% 21% % 34% 39% 35% 56% abc Household Composition Self (1) 13% 17% 12% 12% 16% Self plus one other person (2) 47% 52% 48% 46% 48% Three people (3) 16% 14% 21% 16% 14% Four or more people (4+) 17% 12% 16% 19% 13% Refused 7% 5% 3% 7% 9% b a/b/c/d indicates significant difference at 95% confidence. Copyright 2011 First Data Corporation 52

53 Demographics Total (n=1202) Purchased only (n=91) Intend to Purchase only (n=161) Both (n=750) Employment (a) (b) (c) (d) Neither (n=200) Employed Full-Time 59% 55% 61% 62% d 51% Employed Part-Time 12% 20% bd 10% 13% d 5% Not employed at this time 3% 1% 3% 4% 2% Retired 23% 19% 22% 19% 38% abc Refused 3% 5% 4% 2% 4% Marital Status Single, never married 21% 25% 21% 20% 20% Married 66% 57% 63% 67% 68% Divorced or separated 8% 10% 11% 7% 6% Widowed 2% 2% 2% 2% 4% Refused 3% 6% 3% 4% 2% Education Less than high school 5% 8% 3% 6% 4% Graduated high school 24% 23% 27% 24% 23% Some college 13% 12% 12% 13% 13% Graduated college 31% 30% 30% 32% 28% Post-graduate 22% 25% 23% 21% 25% Refused 5% 2% 5% 4% 7% a/b/c/d indicates significant difference at 95% confidence. Copyright 2011 First Data Corporation 53

54 Demographics Total (n=1202) Purchased only (n=91) Intend to Purchase only (n=161) Both (n=750) Neither (n=200) Geography (a) (b) (c) (d) Rural 28% 21% 32% 27% 30% Suburban 46% 51% 42% 46% 44% Urban 24% 25% 24% 24% 25% Refused 2% 3% 2% 3% d 1% Income Under 13,000 2% 2% 2% 1% 5% c 13,000-24,999 9% 8% 9% 9% 11% 25,000-37,999 18% 29% cd 23% d 16% 14% 38,000-46,999 10% 8% 6% 11% 8% 47,000-62,999 14% 16% 11% 15% 14% 63,000-93,999 15% 12% 20% d 15% 12% 94, ,999 9% 4% 10% 9% a 11% a 189,000 or more 2% 1% 1% 2% 3% Prefer not to answer 21% 20% 18% 22% 22% a/b/c/d indicates significant difference at 95% confidence. Copyright 2011 First Data Corporation 54

Business Statistics: Chapter 2: Data Quiz A

Business Statistics: Chapter 2: Data Quiz A CHAPTER 2 Quiz A Business Statistics, 2nd ed. 2-1 Business Statistics: Chapter 2: Data Quiz A Name 1. The mission of the Pew Internet & Life Project is to explore the impact of the Internet on families,

More information

Consumer Demand for Value-added Subscription Services. February 2016

Consumer Demand for Value-added Subscription Services. February 2016 Consumer Demand for Value-added Subscription Services February 2016 X Table of Contents About the Survey 1 Executive Summary 1 Current Attitudes and Behaviors 3 Hypotheticals 9 Subscription Cancellations

More information

Market Research: 8 Sure-Fire Ways to Make Sure Your Business, Product or Service Idea is Successful from the Start!

Market Research: 8 Sure-Fire Ways to Make Sure Your Business, Product or Service Idea is Successful from the Start! Market Research: 8 Sure-Fire Ways to Make Sure Your Business, Product or Service Idea is Do you have a business, product, or service idea that you want to put to the test? Inside you ll learn how to: Figure

More information

Credit Card Rewards Consumer Insights

Credit Card Rewards Consumer Insights Credit Card Rewards Consumer Insights Key Insights 1. Credit Card Rewards Programs Most Popular with Consumers 76% of consumers indicated they were members of credit card rewards programs compared to 27%

More information

FDIC National Survey of Unbanked and Underbanked Households

FDIC National Survey of Unbanked and Underbanked Households Supplement Survey Instrument OMB. 3064-0167 Expiration Date: 12/31/2011 FDIC National Survey of Unbanked and Underbanked Households 1. Do you or does anyone in your household currently have a checking

More information

The State of Coupons and the Role of Mobile How Consumers Leverage Mobile to Save

The State of Coupons and the Role of Mobile How Consumers Leverage Mobile to Save The State of Coupons and the Role of Mobile How Consumers Leverage Mobile to Save February 2016 KEY FINDINGS This study of 10,843 consumers uncovered four key findings around how shoppers use coupons for

More information

The Ariel Mutual Funds/Charles Schwab & Co., Inc. Black Investor Survey. Saving and Investing Among High Income African-American and White Americans

The Ariel Mutual Funds/Charles Schwab & Co., Inc. Black Investor Survey. Saving and Investing Among High Income African-American and White Americans The Ariel Mutual Funds/Charles Schwab & Co., Inc. Black Investor Survey: Saving and Investing Among High Income African-American and Americans April, 2000 0 Prepared for Ariel Mutual Funds and Charles

More information

Chapter 5: Financial Wealth, Wealth in Great Britain 2010-12

Chapter 5: Financial Wealth, Wealth in Great Britain 2010-12 Chapter 5: Financial Wealth, Wealth in Great Britain 201012 Coverage: GB Date: 15 May 2014 Geographical Area: Region Theme: Economy Key points Aggregate net financial wealth for all private households

More information

Fast Food (QSR) Rewards Programs Consumer Insights

Fast Food (QSR) Rewards Programs Consumer Insights Fast Food (QSR) Rewards Programs Consumer Insights Key Insights 1. Low Consumer Membership in Fast Food Rewards Programs Only 6% of consumers belong to rewards programs for fast food restaurants. 2. Free

More information

Is the Harris MasterCard Gift Card a credit card? No, the Harris MasterCard Gift Card is a prepaid MasterCard.

Is the Harris MasterCard Gift Card a credit card? No, the Harris MasterCard Gift Card is a prepaid MasterCard. Harris MasterCard Gift Card Frequently Asked Questions About Your Harris MasterCard Gift Card What is a Harris MasterCard Gift Card? The Harris MasterCard Gift Card is a prepaid MasterCard that can be

More information

The Non-English Speaking Population in Hawaii

The Non-English Speaking Population in Hawaii Data Report 2011 The Non-English Speaking Population in Hawaii Introduction The report examines social, economic and demographic characteristics of people in Hawaii who speak language other than English

More information

Consumer Switching Research

Consumer Switching Research Consumer ing Research Research conduct by ember Key summary findings Almost half of consumers () have switch at least one product or in the last months (+ pts vs ), with the most noticeable increase in

More information

2015 Christmas Post-Campaign Tracking Research

2015 Christmas Post-Campaign Tracking Research ATTACHMENT 3 uary 2015 Christmas Post-Campaign Tracking Research Introduction Background Metro Vancouver first launched a Zero Waste Challenge Christmas campaign in 2009 to encourage residents to reduce

More information

BIBA Report on the Importance of Advice in the Small to Medium Enterprise Market

BIBA Report on the Importance of Advice in the Small to Medium Enterprise Market BIBA Report on the Importance of Advice in the Small to Medium Enterprise Market The best insurance is a BIBA broker www.biba.org.uk Member helpline: 0845 77 00 266 The FSA define advice as an opinion

More information

CHAPTER FIVE CONCLUSIONS, DISCUSSIONS AND RECOMMENDATIONS

CHAPTER FIVE CONCLUSIONS, DISCUSSIONS AND RECOMMENDATIONS CHAPTER FIVE CONCLUSIONS, DISCUSSIONS AND RECOMMENDATIONS This chapter presents (1) summary of the study, (2) summary of the findings, (3) discussions of the results, (4) conclusions, and (5) recommendations

More information

ONE-STOP SHOPPING CONSUMER PREFERENCES

ONE-STOP SHOPPING CONSUMER PREFERENCES ONE-STOP SHOPPING CONSUMER PREFERENCES TRENDED SURVEY RESEARCH AMONG RECENT AND FUTURE HOME BUYERS October 6, CONTENTS Background & Objectives 3 Methodology...4 Executive Summary.6 Conclusions...12 Detailed

More information

Nursing Education Program of Saskatchewan (NEPS) Employment Survey:

Nursing Education Program of Saskatchewan (NEPS) Employment Survey: Nursing Education Program of Saskatchewan (NEPS) Employment Survey: Graduates of the NEPS Program in the 2003 2004 Academic Year 5 Year Follow up Prepared for The College of Nursing of the University of

More information

Getting the most out of your gift card program A white paper published by National Gift Card Corp.

Getting the most out of your gift card program A white paper published by National Gift Card Corp. Getting the most out of your gift card program A white paper published by National Gift Card Corp. Introduction / Executive Summary This white paper and accompanying research is intended to help incentive

More information

WHY BANKS SHOULD STOP IGNORING THE UNDERBANKED

WHY BANKS SHOULD STOP IGNORING THE UNDERBANKED WHY BANKS SHOULD STOP IGNORING THE UNDERBANKED Summary The underbanked segment is a significant percentage of the entire U.S. population and while banks do acknowledge the underbanked live in their service

More information

Internet PIN Debit: Aligning the Needs of Merchants, FIs and Consumers for Online Payments

Internet PIN Debit: Aligning the Needs of Merchants, FIs and Consumers for Online Payments Internet PIN Debit: Aligning the Needs of Merchants, FIs and Consumers for Online Payments By Javelin Strategy & Research June 2009 2009 Javelin Strategy & Research All Rights Reserved Executive Summary

More information

Views and Experiences of Electricity and Gas Customers in Northern Ireland

Views and Experiences of Electricity and Gas Customers in Northern Ireland Views and Experiences of Electricity and Gas Customers in Northern Ireland www.socialmarketresearch.co.uk 1 EXECUTIVE SUMMARY In December 2010, the Utility Regulator (UR) commissioned Social Market Research

More information

2012 Vermont Household Health Insurance Survey: Comprehensive Report

2012 Vermont Household Health Insurance Survey: Comprehensive Report Vermont Department of Financial Regulation Insurance Division 2012 Vermont Household Health Insurance Survey: Comprehensive Report Brian Robertson, Ph.D. Jason Maurice, Ph.D. Table of Contents Page I.

More information

Digital Media Monitor 2012 Final report February 2012 11057

Digital Media Monitor 2012 Final report February 2012 11057 Digital Media Monitor 2012 Final report February 2012 11057 Contents Summary 5 Internet access 9 Internet access via mobile device 15 TfL website use 22 Journey information services 28 Taxis/PHVs 33 Next

More information

16 th Annual Transamerica Retirement Survey Influences of Educational Attainment on Retirement Readiness

16 th Annual Transamerica Retirement Survey Influences of Educational Attainment on Retirement Readiness th Annual Transamerica Retirement Survey Influences of Educational Attainment on Retirement Readiness August 0 TCRS 0--0 Transamerica Institute, 0 Welcome to the th Annual Transamerica Retirement Survey

More information

Mobile Youth Around the World

Mobile Youth Around the World Mobile Youth Around the World December 2010 Overview From texting to video to social networking, mobile phones are taking an ever-expanding role in our daily lives. And young people around the world are

More information

PayPal Money Habits Study Global

PayPal Money Habits Study Global PayPal Money Habits Study Global Research Findings September 1, 2015 Contents Introduction 3 Methodology 4 Research Findings 5 Data Sources 18 2 Introduction Between friends and family, money lending,

More information

Michigan Department of Community Health

Michigan Department of Community Health Michigan Department of Community Health January 2007 INTRODUCTION The Michigan Department of Community Health (MDCH) asked Public Sector Consultants Inc. (PSC) to conduct a survey of licensed dental hygienists

More information

Medicare Advantage National Senior Survey 600 Senior Registered Voters in the Medicare Advantage Program February 24-28, 2015

Medicare Advantage National Senior Survey 600 Senior Registered Voters in the Medicare Advantage Program February 24-28, 2015 Medicare Advantage National Senior Survey 600 Senior Registered Voters in the Medicare Advantage Program February 24-28, 2015 1. In what year were you born? 1. Before 1950 (CONTINUE TO QUESTION 2) 100

More information

Chapter 1: Data and Decisions Quiz A

Chapter 1: Data and Decisions Quiz A Chapter 1: Data and Decisions Quiz A Name 1.1.1 Identify various aspects of studies and experiments and/or classify variables. 1. Viamedia, the cable industry's leading independent cable rep firm and provider

More information

Specialty Retail Rewards Programs Consumer Insights

Specialty Retail Rewards Programs Consumer Insights Specialty Retail Rewards Programs Consumer Insights Key Insights 1. Specialty Retail Second Highest in Retail Program Membership More than half (51%) of the consumers surveyed belong to a specialty retail

More information

Genuine Xerox Rewards FAQ s

Genuine Xerox Rewards FAQ s Genuine Xerox Rewards FAQ s 1. Joining the Genuine Xerox Rewards Program Q. Why is Xerox offering this Rewards Program? A. Xerox has learned over the years that Customers who use Xerox-Branded Supplies

More information

Grocery Rewards Programs Consumer Insights

Grocery Rewards Programs Consumer Insights Grocery Rewards Programs Consumer Insights Key Insights 1. Grocery Tops Retail Rewards Membership 62% of consumers belong to at least one grocery store rewards program, with an average of two memberships

More information

2012 Traffic Safety Behaviors Survey Minnesota Department of Public Safety, Office of Traffic Safety

2012 Traffic Safety Behaviors Survey Minnesota Department of Public Safety, Office of Traffic Safety This document is made available electronically by the Minnesota Legislative Reference Library as part of an ongoing digital archiving project. http://www.leg.state.mn.us/lrl/lrl.asp 2012 Traffic Safety

More information

CivicScience Insight Report

CivicScience Insight Report CivicScience Insight Report Consumer Sentiment Toward Data Privacy Part 1 of 2: Internet-Based Data Sharing and Collection Our lives as consumers in a modern society have become characterized by digitized

More information

November 2013. Report on the Licensed Moneylending Industry

November 2013. Report on the Licensed Moneylending Industry November 2013 Report on the Licensed Moneylending Industry Contents Page 1. Overview of the licensed moneylending industry 2. 2. Objectives of the review 4. 3. Approach 4. 4. Main findings 6. 4.1 Borrowing

More information

RED HAT NORTH AMERICA PARTNER PROGRAM GUIDE Version 2.0

RED HAT NORTH AMERICA PARTNER PROGRAM GUIDE Version 2.0 RED HAT NORTH AMERICA PARTNER PROGRAM GUIDE Version 2.0 2 INTRODUCTION 2 PARTNER PROGRAM OVERVIEW 5 PARTNER PROGRAM STRUCTURE 6 Partnership levels 6 Accreditations 8 Online Partner Enablement Network (OPEN)

More information

Participant Preferences in Target Date Funds: Fresh Insights

Participant Preferences in Target Date Funds: Fresh Insights Participant Preferences in Target Date Funds: Fresh Insights Findings, Insights and Opportunities White Paper January 216 Research by Voya Investment Management Not FDIC Insured May Lose Value No Bank

More information

Appendix. Data Tables

Appendix. Data Tables Appendix Data Tables Index of Tables Part 1: In-Store Payment Preferences...167 1.1 What payment products do you have?...167 1.2 How often do you use the following payment methods for purchases in stores?...167

More information

CREATING A CONNECTED BRAND EXPERIENCE WITH VERIFONE.

CREATING A CONNECTED BRAND EXPERIENCE WITH VERIFONE. VALUE ADDS. CREATING A CONNECTED BRAND EXPERIENCE WITH VERIFONE. Retailers are continuously required to keep up with new innovations in order to retain customers and create an advantage over their competitors.

More information

Gift Card Program Description

Gift Card Program Description Program Outline: Electronic Gift Card Benefits Features Processing Statistics What is a Gift Card? A reusable, stored-value card that enables merchants to have an electronic alternative to paper gift certificates.

More information

MANAGING YOUR EMAIL LIST

MANAGING YOUR EMAIL LIST MANAGING YOUR EMAIL LIST Ensuring you reach the right people at the right time with a relevant message. 866.915.9465 www.delivra.com 2013 Delivra Professional Email Marketing Software and Consulting 2

More information

THE FUTURE OF MOBILE PAYMENTS

THE FUTURE OF MOBILE PAYMENTS THE FUTURE OF MOBILE PAYMENTS A Study of UK Consumers by Prepaid International Forum INTRODUCTION Mobile payments are an exciting new area of prepaid services that have received much hype in the media

More information

1 YOUR GUIDE TO INVESTMENT-LINKED INSURANCE PLANS. Contents. Introduction to Investment-Linked Insurance Plans (ILPs) How ILPs Work

1 YOUR GUIDE TO INVESTMENT-LINKED INSURANCE PLANS. Contents. Introduction to Investment-Linked Insurance Plans (ILPs) How ILPs Work Contents 02 Introduction to Investment-Linked Insurance Plans (ILPs) 07 How ILPs Work 11 Insurance Protection 12 Investment Returns 14 Fees and Charges 15 Key Questions to Ask & Documents to Note 18 Dispute

More information

Insurance Markets Ready or Not: Consumers Face New Health Insurance Choices. Employer-based. Insurance Premium. Contribution.

Insurance Markets Ready or Not: Consumers Face New Health Insurance Choices. Employer-based. Insurance Premium. Contribution. Insurance Markets Ready or Not: Consumers Face New Health Insurance Choices Introduction Not long ago, most working Californians, at least those working for large or midsize companies, could expect a standard

More information

Global Advertising Specialties Impressions Study

Global Advertising Specialties Impressions Study Global Advertising Specialties Impressions Study A cost analysis of promotional products versus other advertising media Released at the 2010 ASI Power Summit This report may be reproduced and used in presentations

More information

Long-Term Care Insurance:

Long-Term Care Insurance: The Prudential Insurance Company of America 2011 Long-Term Care Insurance: A Piece of the Retirement & Estate Planning Puzzle IRA Pension 401(k) Annuities Long-Term Care Insurance Life Insurance Social

More information

For the 10-year aggregate period 2003 12, domestic violence

For the 10-year aggregate period 2003 12, domestic violence U.S. Department of Justice Office of Justice Programs Bureau of Justice Statistics Special Report APRIL 2014 NCJ 244697 Nonfatal Domestic Violence, 2003 2012 Jennifer L. Truman, Ph.D., and Rachel E. Morgan,

More information

Alternative Payment and Distribution Landscape: Airline Distribution Channels

Alternative Payment and Distribution Landscape: Airline Distribution Channels Alternative Payment and Distribution Landscape: Airline Distribution Channels Contents Introduction 04 At a glance 05 Setting the scene 06 Mobile payments 08 The challenges of mobile 10 The social media

More information

EDUCATION POST 2015 Parent Attitudes Survey

EDUCATION POST 2015 Parent Attitudes Survey EDUCATION POST 2015 Parent Attitudes Survey About the Survey The following analysis contains the results of the 2015 Parent Attitudes Survey, conducted on behalf of Education Post, via an online survey

More information

Appeal of Mobile Payment Solutions Executive Summary March, 2012

Appeal of Mobile Payment Solutions Executive Summary March, 2012 Appeal of Mobile Payment Solutions Executive Summary March, 2012 Key Findings Mobile payment solutions are not likely to be seen as wholesale replacements to traditional payment methods in the near term.

More information

The AP-Viacom Survey of Youth on Education March, 2011

The AP-Viacom Survey of Youth on Education March, 2011 The AP-Viacom Survey of Youth on Education March, 2011 By Stanford University Conducted by GfK Roper Public Affairs & Corporate Communications A telephone survey of the American young adult population

More information

Online Shopping. Internet users like the convenience but worry about the security of their financial information. John B. Horrigan, Associate Director

Online Shopping. Internet users like the convenience but worry about the security of their financial information. John B. Horrigan, Associate Director Online Shopping Internet users like the convenience but worry about the security of their financial information February 13, 2008 John B. Horrigan, Associate Director PEW INTERNET & AMERICAN LIFE PROJECT

More information

Using Advertising to Engage the Price Sensitive Consumer

Using Advertising to Engage the Price Sensitive Consumer Using Advertising to Engage the Price Sensitive Consumer The level of a consumer s sensitivity to price has a significant impact on how they respond to advertising online and in traditional media. As more

More information

1 The total values reported in the tables and

1 The total values reported in the tables and 1 Recruiting is increasingly social and Adecco wants to know how it works. An international survey, that involved over 17.272 candidates and 1.502 Human Resources managers between March 18 and June 2,

More information

April 2016. Online Payday Loan Payments

April 2016. Online Payday Loan Payments April 2016 Online Payday Loan Payments Table of contents Table of contents... 1 1. Introduction... 2 2. Data... 5 3. Re-presentments... 8 3.1 Payment Request Patterns... 10 3.2 Time between Payment Requests...15

More information

Stock Investor Survey

Stock Investor Survey Stock Investor Survey Hong Kong June 2006 CONTENTS 1. Executive Summary 1 2. Retail Participation and Demographic Profile of Stock Investors 6 3. Choice of Intermediary 7 Ways to Improve Securities Trading

More information

Despite Widespread Concerns about Online Security, Three in Four Adults Access Financial Accounts Online

Despite Widespread Concerns about Online Security, Three in Four Adults Access Financial Accounts Online Despite Widespread Concerns about Online Security, Three in Four Adults Access Financial Accounts Online Nine in Ten Say Companies Should Be Doing More to Protect Personal and Financial Information Online

More information

Understanding barcodes. www.brightpearl.com. White paper

Understanding barcodes. www.brightpearl.com. White paper White paper Understanding barcodes. Barcodes turn manual product look-ups into an automated process that s efficient and virtually errorfree. In this white paper, you ll learn what they are, when to use

More information

Equality Impact Assessment Support for Mortgage Interest

Equality Impact Assessment Support for Mortgage Interest Welfare and Wellbeing Group Equality Impact Assessment Support for Mortgage Interest Planned change to the standard interest rate at which Support for Mortgage Interest is paid August 2010 Equality Impact

More information

Public Education and Outreach: Market Research Findings for the Health Insurance Exchange

Public Education and Outreach: Market Research Findings for the Health Insurance Exchange Public Education and Outreach: Market Research Findings for the Health Insurance Exchange Presentation to: Health Reform Advisory Task Force August 6, 2012 1 What we have been doing May June July Orientation

More information

Key Leadership Behaviors Necessary to Advance in Project Management

Key Leadership Behaviors Necessary to Advance in Project Management Key Leadership Behaviors Necessary to Advance in Project Management Project / Program Management Research Lynda Carter, Kristin Tull and Donna VanRooy Specific behaviors need to be developed in order to

More information

Workforce Training Results Report December 2008

Workforce Training Results Report December 2008 Report December 2008 Community and Technical Colleges (CTC) Job Preparatory Training Washington s 34 community and technical colleges offer job preparatory training that provides students with skills required

More information

STX Beacon User Guide Tickets

STX Beacon User Guide Tickets STX Beacon User Guide Tickets 3 Ticket List: Tickets 4 Ticket Detail 5 New Ticket: Create New 5 New Ticket: Services 6 New Ticket: Products 6 New Ticket: Other 7 New Ticket: Other: Selling a Package 7

More information

If you have kept your shares at the default service provider, Morgan Stanley, please refer to this document for service feature details.

If you have kept your shares at the default service provider, Morgan Stanley, please refer to this document for service feature details. Morgan Stanley Services Information provided in the summary is solely being provided as a means of educating employees about Morgan Stanley s default service provider role in administering the stock plan

More information

Compliments Card. Modern and innovative alternative to gift vouchers or cash prizes and bonuses

Compliments Card. Modern and innovative alternative to gift vouchers or cash prizes and bonuses Compliments Card Modern and innovative alternative to gift vouchers or cash prizes and bonuses International and local presence World leader in prepaid services: Activ 40 countries, on 5 continents 38

More information

Data Functionality in Marketing

Data Functionality in Marketing Data Functionality in Marketing By German Sacristan, X1 Head of Marketing and Customer Experience, UK and author of The Digital & Direct Marketing Goose Data is not a new thing. Successful businesses have

More information

2014 New Brunswick Gambling Prevalence Study. Department of Health and Department of Finance

2014 New Brunswick Gambling Prevalence Study. Department of Health and Department of Finance Department of Health and Department of Finance Report May 27, 2015 TABLE OF CONTENTS Executive Summary...5 Study Background... 5 Methodology... 6 Summary of Key Findings... 7 Conclusions... 15 1.0 Introduction...

More information

College Financing Survey

College Financing Survey CONSUMER REPORTS NATIONAL RESEARCH CENTER College Financing Survey 2016 Nationally Representative Online Survey May 10, 2016 Introduction In March-April, 2016 the Consumer Reports National Research Center

More information

Payday Lending Market Investigation Statement of Issues. Comments submitted by Debt Advice Foundation

Payday Lending Market Investigation Statement of Issues. Comments submitted by Debt Advice Foundation Payday Lending Market Investigation Statement of Issues Comments submitted by Debt Advice Foundation 1. Motivation of the payday loan borrower Consumer credit is never a standalone purchase, desired or

More information

LEGAL & GENERAL (UNIT TRUST MANAGERS) LIMITED A GUIDE TO INVESTING IN A JUNIOR ISA WITH US.

LEGAL & GENERAL (UNIT TRUST MANAGERS) LIMITED A GUIDE TO INVESTING IN A JUNIOR ISA WITH US. LEGAL & GENERAL (UNIT TRUST MANAGERS) LIMITED A GUIDE TO INVESTING IN A JUNIOR ISA WITH US. The complete picture This document gives you general information about investing in a Junior ISA with us. You

More information

Executive Summary April 2009

Executive Summary April 2009 Executive Summary April 2009 About the International Coach Federation The International Coach Federation (ICF) is the largest worldwide resource for business and personal coaches, and the source for those

More information

A 15-YEAR COMPARISON. April 2010

A 15-YEAR COMPARISON. April 2010 A 15-YEAR COMPARISON of OPTIONS INVESTORS April 2010 Our 2010 Study The Options Industry Council (OIC) is pleased to present the results of its Study of Options Users for 2010. This study was designed

More information

New York Assisted Living Facility Survey. Summary Report

New York Assisted Living Facility Survey. Summary Report New York Assisted Living Facility Survey Summary Report Data Collected by Zogby International Report Prepared by Rachelle Cummins Copyright AARP, 2001 AARP 601 E Street NW Washington DC http://research.aarp.org

More information

Visa Checkout: The Right Choice for Online Retailers. March 2015

Visa Checkout: The Right Choice for Online Retailers. March 2015 Visa : The Right Choice for Online Retailers March 2015 Highlights A new report from comscore shows clear advantages to online retailers using Visa to simplify their checkout experience. The results of

More information

VIETNAM B2C E-COMMERCE MARKET 2015

VIETNAM B2C E-COMMERCE MARKET 2015 PUBLICATION DATE: AUGUST 2015 PAGE 2 GENERAL INFORMATION I PAGE 3 KEY FINDINGS I PAGE 4-5 TABLE OF CONTENTS I PAGE 6 REPORT-SPECIFIC SAMPLE CHARTS I PAGE 7 METHODOLOGY I PAGE 8 RELATED REPORTS I PAGE 9

More information

2012 Executive Summary

2012 Executive Summary The International Food Information Council Foundation s 2012 Food & Health Survey takes an extensive look at what Americans are doing regarding their eating and health habits and food safety practices.

More information

Awareness of New Jersey s Family Leave Insurance Program Is Low, Even As Public Support Remains High and Need Persists

Awareness of New Jersey s Family Leave Insurance Program Is Low, Even As Public Support Remains High and Need Persists NEW JERSEY S FAMILY LEAVE INSURANCE PROGRAM A CENTER FOR WOMEN AND WORK ISSUE BRIEF OCTOBER 2012 Awareness of New Jersey s Family Leave Insurance Program Is Low, Even As Public Support Remains High and

More information

Missing data: the hidden problem

Missing data: the hidden problem white paper Missing data: the hidden problem Draw more valid conclusions with SPSS Missing Data Analysis white paper Missing data: the hidden problem 2 Just about everyone doing analysis has some missing

More information

Pan-European opinion poll on occupational safety and health

Pan-European opinion poll on occupational safety and health PRESS KIT Pan-European opinion poll on occupational safety and health Results across 36 European countries Press kit Conducted by Ipsos MORI Social Research Institute at the request of the European Agency

More information

Establishing a Credit History

Establishing a Credit History Establishing a Credit History When you say you want credit, you are probably asking for payment terms on a purchase. You are seeking to purchase goods or services today and forego all or a portion of the

More information

TD Cash & First Class Important Credit Card Terms and Conditions. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases

TD Cash & First Class Important Credit Card Terms and Conditions. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases TD Cash & First Class Important Credit Card Terms and Conditions Rates, fees, and other important costs of the TD Credit Cards are disclosed below. Additional fees and account terms are described in the

More information

NATIONAL SURVEY OF HOME EQUITY LOANS

NATIONAL SURVEY OF HOME EQUITY LOANS NATIONAL SURVEY OF HOME EQUITY LOANS Richard T. Curtin Director, Surveys of Consumers Survey Research Center The October 1998 WP51 The 1988, 1994, and 1997 National Surveys of Home Equity Loans were sponsored

More information

Westpac Home Ownership Report AUGUST 2013

Westpac Home Ownership Report AUGUST 2013 Westpac Home Ownership Report AUGUST 2013 Introduction 3 Sample Profile 5 KEY FINDINGS 8 Home Ownership No. 1 Priority 9 Lack of Understanding 12 ers and Overpayments 1 Australian Home Ownership Snapshot

More information

PERFORMANCE MATTERS CONSUMER INSIGHTS FROM THE UNITED KINGDOM

PERFORMANCE MATTERS CONSUMER INSIGHTS FROM THE UNITED KINGDOM PERFORMANCE MATTERS CONSUMER INSIGHTS FROM THE UNITED KINGDOM In the new hyperconnected world, we no longer go online, we are online. The ubiquity of mobile devices, the increase in WiFi availability and

More information

Joe Debtor: Marginalized By Debt

Joe Debtor: Marginalized By Debt Joe Debtor: Marginalized By Debt Prepared By: J. Douglas Hoyes, BA, CPA, CIRP, CBV, Trustee Ted Michalos, BAS, CPA, Trustee Hoyes, Michalos & Associates Inc. Trustees in Bankruptcy Principal Office: 204

More information

2014 Demographics PROFILE OF THE MILITARY COMMUNITY

2014 Demographics PROFILE OF THE MILITARY COMMUNITY Demographics PROFILE OF THE MILITARY COMMUNITY ACKNOWLEDGEMENTS This report is published by the Office of the Deputy Assistant Secretary of Defense (Military Community and Family Policy), under contract

More information

Life Insurance Buyer's Guide

Life Insurance Buyer's Guide Life Insurance Buyer's Guide This guide can help you when you shop for life insurance. It discusses how to: Find a Policy That Meets Your Needs and Fits Your Budget Decide How Much Insurance You Need Make

More information

E-MAIL MARKETING WHITEPAPER. For E-Commerce. Published by Newsletter2Go

E-MAIL MARKETING WHITEPAPER. For E-Commerce. Published by Newsletter2Go E-MAIL MARKETING WHITEPAPER For E-Commerce Published by Newsletter2Go Email Marketing for E-Commerce In our highly digitized world, email is often the only form of communication that businesses have with

More information

THE ASSOCIATED PRESS-CNBC INVESTORS SURVEY CONDUCTED BY KNOWLEDGE NETWORKS

THE ASSOCIATED PRESS-CNBC INVESTORS SURVEY CONDUCTED BY KNOWLEDGE NETWORKS 1350 Willow Rd, Suite 102 Menlo Park, CA 94025 www.knowledgenetworks.com Interview dates: August 26 September 08, 2010 Interviews: 1,035 adults who own stocks, bonds or mutual funds Sampling margin of

More information

2011 Cell Phone Consumer Attitudes Study

2011 Cell Phone Consumer Attitudes Study 2011 Cell Phone Consumer Attitudes Study Prepared for: CWTA April 29, 2011 Copyright 2009-2012 Quorus Consulting Group Ltd. Table of Contents Executive Summary 3 Research Objectives and Methodology 9 Detailed

More information

The ICBA Overdraft Payment Services Study

The ICBA Overdraft Payment Services Study The ICBA Overdraft Payment Services Study 2012 Independent Community Bankers of America Contents Preface... 3 Executive Summary... 4 ICBA Recommendations for Overdraft Regulatory Policy... 5 Consumer Survey

More information

Safeway Canada Coupon, Price Matching & Air Miles Policies

Safeway Canada Coupon, Price Matching & Air Miles Policies Safeway Canada Coupon, Price Matching & Air Miles Policies Manufacturer and Store Coupons: We will redeem coupons only for the specific items included in our customer's purchase transaction. The redemption

More information

The Health Insurance Marketplace in Iowa: The consumer perspective

The Health Insurance Marketplace in Iowa: The consumer perspective The Health Insurance in Iowa: The consumer perspective Final report to the Iowa Dept. of Public Health Peter Damiano* Suzanne Bentler* Daniel Shane* University of Iowa Public Policy Center* and College

More information

Global ecommerce Site Search Survey

Global ecommerce Site Search Survey GLOBAL SURVEY Global ecommerce Site Search Survey Top Missed Marketing Opportunities for Retailers Revealed sli-systems.com Key Findings: Site Search is Among Retailers Top Three Priorities for 2014, yet

More information

EQUIPMENT FINANCE SOLUTIONS

EQUIPMENT FINANCE SOLUTIONS 01244 525410 inbound@ldf.co.uk www.ldf.co.uk EQUIPMENT FINANCE SOLUTIONS LDF Operations Limited (reg no. 02029122) part of the LDF Group is authorised and regulated by the Financial Conduct Authority for

More information

HMRC Tax Credits Error and Fraud Additional Capacity Trial. Customer Experience Survey Report on Findings. HM Revenue and Customs Research Report 306

HMRC Tax Credits Error and Fraud Additional Capacity Trial. Customer Experience Survey Report on Findings. HM Revenue and Customs Research Report 306 HMRC Tax Credits Error and Fraud Additional Capacity Trial Customer Experience Survey Report on Findings HM Revenue and Customs Research Report 306 TNS BMRB February2014 Crown Copyright 2014 JN119315 Disclaimer

More information

- The Youth Minister and Music Minister Search Committees

- The Youth Minister and Music Minister Search Committees Dear Church Member: Thank you for taking the time to fill out the Congregational Surveys. Your input is important to us as we seek out God s man for the Minister of Music and Minister to Students positions.

More information

Profile of Households Saving for College

Profile of Households Saving for College Investment Company Institute Research Series Profile of Households Saving for College INVESTMENT COMPANY INSTITUTE Investment Company Institute Research Series Profile of Households Saving for College

More information

Mobile and the New Digital Store UNCOVERING OPPORTUNITIES IN THE IN-STORE RETAIL EXPERIENCE

Mobile and the New Digital Store UNCOVERING OPPORTUNITIES IN THE IN-STORE RETAIL EXPERIENCE Mobile and the New Digital Store UNCOVERING OPPORTUNITIES IN THE IN-STORE RETAIL EXPERIENCE APRIL 2016 1 OVERVIEW Mobile and the New Digital Store Uncovering Opportunities in the In-Store Retail Experience

More information

NJ CUPA HR The Affordable Care Act & Its Implication for Employers April 4, 2014

NJ CUPA HR The Affordable Care Act & Its Implication for Employers April 4, 2014 NJ CUPA HR The Affordable Care Act & Its Implication for Employers April 4, 2014 About NJBIA Represents 21,000 companies of all sizes and types, which employ over 1 million workers in the State. Advocate

More information