‘Twas The Night Before Christmas…And I Needed To Shop

‘Twas the night before Christmas and all through the mallThere were shoppers with gift lists both lengthy and small. They all had their smartphones with apps all a-glow, Swiping through coupons and points on the go.

The registers chimed and the code-scanners rang,
The shopping carts jingled and loudspeakers sang.
I stood in a line on the mall’s second floor,
My credit card ready for spending some more.

But the crowd kept on growing while outside was snowy.
The line for the check-out was moving too slowly!
Away to my smartphone I looked like a flash,
Clicked open my store app and flipped up the dash.

A message from Macy’s about a new deal A huge cut in price for a bracelet–a steal. Knowing my wife would love such a gift I dropped what I held and ran on feet swift.

I ran down the stairs like a sleigh on a slope,
Ran past the kiosks with a heart filled with hope.
I took out my smartphone and checked out the map,
then corrected my course with a flick and a tap.

The inside of Macy’s was a scene from a zoo.
The shelves seemed as if a tornado came through.
But there in the counter, the bracelet shined bright–
Diamond encrusted with a price that’s just right!

The cashier scanned my phone and gave me my prize.
I slipped out the exit to the garage outside.
So happy I was that I let out a cheer:
“Merry Christmas to all, and a Happy New Year!”

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Our data and analytics team has developed a number of creative methodologies and frameworks that measure and benchmark the innovation that’s reshaping the payments and commerce ecosystem. The July 2019 Pay Advances: The Gig Economy’s New Normal, a PYMNTS and Mastercard collaboration, examines pay advances – full or partial payments received before an ad hoc job is completed – including how gig workers currently use them and their potential for future adoption.

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