Ecommerce Digest: August 2015

As we near the end of summer and rapidly transition into the holiday season, enjoy our choice cuts of ecommerce goodness from the month of August.

  • There’s a lot of talk about the “store of the future” – omnichannel Nirvana, where technology meets the in-store experience. But how is this technically achieved? Our own Matt Dion shares the secret with Total Retail.
  • Digital marketers moving from campaign driven approach to a more customer-centric one recognize their need for a single customer view, which requires integrating data and eliminating silos. Econsultancy outlines 6 things you need to know about achieving SCV.
  • Emarketer reports 64% of ecommerce buyers begin their online shopping journey in a marketplace such as eBay, Amazon or Etsy vs 48% that begin with their favorite retailer. This holiday, consider the impact of not leveraging at least one marketplace to attract new customers.
  • Over half of your site elements aren’t working. Which half? ConversionXL suggests a solution through existence testing.
  • How can you take advantage of dynamic content for site personalization without affecting your SEO? Econsultancy serves up some best practices for brands using dynamic content.
  • Not all responsive design is about scaling down. How about scaling up for larger screens including IPTV? Baymard Institute has some great ideas for how to do upscale responsive ecommerce.
  • KISSmetrics explains the 5 elements of adaptive content that you can use to deliver a personalized experience in the context of his or her device.

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Inside the Cross-Device Purchase Journey [Infographic]

Earlier this week we examined mobile context and mobile apps vs. websites. Today’s infographic looks at the cross-device purchase journey, courtesy of Signal.

cross-device-purchase-journey

tweet infographic

Tweetables

  • 67% of consumers move between devices when they’re shopping online. 98% switch devices within a single day Tweet this
  • 65% of consumers begin their online purchase path on smartphone. 61% continue on PC, 4% on tablet Tweet this
  • 2/3 smartphone users say they’re more likely to buy from a company with a mobile friendly site Tweet this
  • 74% of smartphone users say they’re more likely to return to a mobile-friendly site Tweet this
  • The average attention span of a goldfish is 9s. Today’s typical consumer can only pay attention for 8s! Tweet this
  • Amazon found a 100ms increase in speed = 1% revenue increase Tweet this
  • 8/10 smartphone purchases are spontaneous vs 6/10 purchases made on a laptop Tweet this
  • 60% of smartphone purchases are made at home, 85% of PC/laptop are made at home Tweet this
  • 61% of consumers are more likely to buy from a company that delivers customized, real-time content Tweet this
  • Real-time marketing increases conversion rates by an average of 26% Tweet this

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Do Shoppers Prefer Native Apps or Mobile Websites?

mobile-shopMobile apps are expected to drive over 40% of mobile sales for the top 500 retailers this year, not to mention mobile’s contribution to in-store sales.

But research by Forrester commissioned by RetailMeNot suggests mobile shoppers prefer mobile websites to native apps for all but using stored-value cards in-store.

app-vs-mobile-website

For those that do prefer mobile apps, convenience, speed and stored settings top the list of benefits, followed by incentives/rewards, personalized content and access to “better deals.”

consumers-prefer-mobile-apps

With mobile app development costing upwards of $2 million per platform, and 80% of that per year for maintenance, retailers need to justify the investment in mobile apps.

According to Forrester’s State of Online Retailing report, mobile is the top priority, but nearly 60% of retailers say apps are not a key component of their mobile strategy.

Do you need a mobile app?

The reality check is only 5% of time spent using mobile apps is shopping related, and 60% of consumers have 2 or fewer apps installed (21% have none). Mobile apps are only downloaded by your die-hards, and can easily be nixed in favor of more entertainment/utility apps.

There’s no indication that those that prefer mobile apps are unsatisfied with the mobile websites of retailers without apps, and with HTML5, it’s possible to make your mobile web site very app-like while accessible to all mobile visitors. When it comes to mobile investment, customers may be better served by continual improvement of your mobile web experience.

For some brands and retailers, a mobile app is essential. Consider Walgreen’s prescription refill app, Starbucks’ pre-loaded payment cards, eBay’s on-the-go auction alerts, Amazon’s showrooming features and any retailer that wants to use beacons or pair with wearable devices. But to deliver significant return-on-investment, these apps must provide a significant benefit over using the mobile web, and be matched with a passionate customer base willing to download and regularly use the app.

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Understanding Mobile Context: At Home, On the Go and In-store

mobile-contextOptimizing your mobile experience requires an understanding of mobile’s role in the purchase journey. Device detection only determines the experience format (e.g. responsive design), but it’s the context that best determines the content, offers and features you deliver, and your users’ satisfaction with your websites and apps.

A mobile user’s context involves where he or she is, and his or her purpose for the site/app visit, e.g. product discovery, research, price comparison, purchase, or customer service.

Because you can’t glean this information as easily as you can discern referral source, geolocation or device type, it’s best to design experiences that at a high level serve use cases for those at home (or work), on-the-go and in-store, and the typical tasks that accompany each context.

A recent study by Forrester Research commissioned by RetailMeNot surveyed over 500 US consumers who own smartphones, revealing some interesting insights on which shopping activities are conducted in which context.

where-and-why

How might a marketer apply this data to a contextual mobile commerce strategy?

Store locators

Store location is the most frequently used mobile feature, with this task performed almost equally at home and on the go, but only half as often in-store.

If you’re an omnichannel shop, store locators matter, and should be accessible from main navigation – not hidden behind menus.

hide-menu

store-locator

While store locator icons may be popular, with mobile menus it’s always safer to use a label than icon for clarity.

walmart-store-locator

Interaction with a store locator is also an important piece of behavioral context — a signal to convert offline. You may choose to tailor your content and offers differently to visitors and repeat visitors based on this insight, or segment them out of your A/B tests as they are less likely to arrive at your checkout process, for example.

Review content

Engaging with customer reviews is a signal of intent to buy (though not necessarily to buy from your site). The review-reading customer may be in-store (yours or a competitor’s), but is more likely at home, seated or “leaning back,” with more time to spend online. This customer is likely in the research/evaluation phase and not quite ready to buy, and is a good candidate for mobile remarketing campaigns and mobile live chat.

Coupon codes

Coupon codes are a signal of intent to buy from you, a good sign! However the intent may be to purchase by mobile or to use the coupon in-store (55% in-store vs. 30-some-percent digital). Smart marketers employ tracking to trace mobile coupons honored in-store to their referring sources / campaigns and even customer profiles where possible to give you a better understanding of *real* conversion rates and mobile’s role in-store.

Price comparison

Price-checking is another universal habit across contexts. Mobile search plays a key role in this behavior. It’s not enough to optimize your website, consider including prices in your title tags and mobile ad copy, and connecting your inventory with Google’s Local Inventory Ads program to expose pricing, proximity and product availability to Googler’s with local intent.

Price-comparing customers are further down the funnel than review-readers, and time may truly be of the essence once a shopper is in this stage. Google reports that 73% of mobile searches lead to some form of “touch” conversion (calling the business or visiting the store), and half of these actions occur within one hour. 50% of smartphone product searchers with local intent visit a store within 24 hours (vs 34% of desktop and tablet users).

It’s tough to detect when a customer is merely price-checking your website or mobile site, or intend to poke around. Single-page “bounces” may be a clue. Assume a visitor is not merely price-checking after viewing multiple product pages, visiting category pages or otherwise browsing your content. Again, you can use this context for remarketing, or for personalizing return visits.

Endless-aisle

When products are not available in-store, “endless-aisle” access to inventory online and across stores allows the customer to either buy through mobile, ship to store or reserve-and-collect. This integrated data is highly valuable to prevent losing the sale to a competitor via mobile-local search.

Checkout

According to this data, mobile users are most likely to complete checkout when they’re at home. However, they may have engaged with your mobile site or app several times in a single purchase journey on-the-go, in-store, clicking through retail email on their device, following a link on social media, etc. Ensure you’re using persistent cookies to retain cart contents for an appropriate length. It’s also an excellent feature to display recently viewed items upon return visits, as mobile search and menus can be unwieldy – you want to help customers pick up where they left off.

The future of advanced mobile contextual targeting

When it comes to mobile context, it’s not all about “snackable” content for short attention spans. It depends on whether the customer is in-store, at home or on-the-go. At a minimum, your mobile experience strategy should support every task mobile visitors make, from store location to information gathering to checkout.

Above and beyond, marketers can experiment with “responsive experience” where signals of intent gathered through on-site or in-app behavior drive the delivery of content and offers. For example, a first-time, mobile search visitor that exhibits price-checking behavior may be served a time-limited coupon (which would not be shown to other visitors that may be more inclined to buy at a later time, full price).

To achieve this degree of targeting, however, is beyond the capabilities of traditional ecommerce platform-driven experience. The traditional ecommerce platform was developed to serve the “digital” channel (online storefront), before we could even conceive of the digital experiences that are possible today. Complete contextual mobile (and omnichannel) commerce requires integration between data sources and systems, with the flexibility to serve the right content in the right format at the right time.

Today’s typical method of integration involves individually wiring websites, apps, and other front-end experiences directly to systems such as CRM, ecommerce, and content management platforms. It’s slow and expensive enough to not be a realistic option for most enterprises.

Integration can be simplified with a commerce integration platform, which aggregates data from all business systems into a universal API that connects commerce capabilities like the product catalog, pricing, promotions and order management with content management systems or marketing cloud solutions.

Want to go beyond the typical mobile commerce experience? Talk to us.

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Making Email Social [Infographic]

What wins, email or social media? Why not have both working together? Today’s infographic looks at email+social integration, from ReachMail

email-social-media

tweet infographic

Tweetables

  • Only 56% of marketers integrate social with their email marketing program Tweet this
  • Email reaches its intended recipient 90% of the time vs. only 2% of Facebook Shares Tweet this
  • Facebook drives $1.10 in revenue for each social share, Twitter .97 and Pinterest .87 Tweet this
  • 78% of the avg brand’s Facebook fans are existing customers Tweet this
  • 42% of Facebookers like a brand’s page to receive discounts and coupons Tweet this

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Unconversion: Optimizing Email Unsubscribe

No marketer wants email subscribers to defect, but if and when a subscriber wants to opt-out, it’s best not to resist. Not only will your engagement metrics rise by letting the no-longer-interested go, it keeps up your list hygiene and reduces the risk of subscribers marking unwanted messages as spam, which can hurt your sender reputation and deliverability across the board.

To conclude our 3-part series on retail email, today’s post covers how to optimize the unsubscribe process.

In-email calls to action

Make the unsubscribe link easy to find. Conventional placement is at the bottom of each email message as an Unsubscribe link — that’s where most subscribers will look for it, scanning for the trigger word “Unsubscribe.”

Though it’s tempting to bury the link by either making it not look clickable, or placing it within a paragraph of text, this plan can backfire. You don’t want subscribers marking your messages as spam.

figleaves-unsub

Some clients, like Gmail, offer “Unsubscribe” links in the pre-header. But when a subscriber uses the email client’s unsubscribe option, you lose control over the experience and the ability to take advantage of the tips that follow in this article.

landsend-unsub

Avoid using any other labels than “Unsubscribe.” Don’t assume non-marketers will understand that behind “Manage Preferences” lies a way to unsubscribe!

manage-sub

Better practice is to put both “Manage Preferences” and “Unsubscribe” adjacent to each other.

manage-email-preferences-vs-unsub

Even better, use the label “Get Better Emails” it’s more easily understood. Styling this CTA as bolder than Unsubscribe may also be more persuasive, and may win some unsubscribers that simply want to reduce frequency or improve relevance.

unsub-get-better-emails

Unsubscribe landing page

Many “Unsubscribe” links lead directly to a preference center landing page. Again, subscribers may not understand preference centers, and may be confused or off-put by landing on a complex landing page when they simply want to be removed from your list. Landing pages should always match a user’s expectation.

What not to do

Western Web users scan a page starting at the top left. In this example, the user is asked if he or she wishes to update the email address. This is a highly unlikely scenario, the user clicked an unsubscribe link.

pacsun-packs-email

Likewise, asking this user to subscribe to more publications, or provide more personal information is irrelevant and inappropriate for this task. This landing page is simply asking for too much, and burying the goal. The Unsubscribe CTA is difficult to spot.

The following example doesn’t provide clear instructions, and suggests the user can choose from multiple “publications” when only one is presented, adding to the confusion. (If you require instructions, your unsubscribe process is too complicated).

confusing

Another caveat with Preference Center landing pages is they push calls to action below the fold. (Remember, Web users typically don’t read your carefully crafted explainer text, they look for colorful button-looking things to click).

farfetch-email

At a glance, it’s unclear Farfetch’s Email Preferences page includes an unsubscribe option.

Land’s End’s headline “Wait, Please Don’t Go!” is more effective. It implies that the user has successfully reached an unsubscribe process, and provides an option to control frequency.

cta-fold

However, above the typical laptop fold, the CTA is “Save Changes” without an opt-out-of-everything option. The user may not intuit to scroll below to find the Unsubscribe button. Ideally, all options would appear above the fold (especially on mobile devices).

What to do instead

Wayfair achieves all content above the fold.

wayfair-unsub

While the Preferences Center approach is very popular and provides the opportunity to “save” the subscriber, an alternative approach is the “are you sure” interstitial, where you can use a bit of persuasion, repeating the value prop of remaining a subscriber.

ulta

Post-unsubscribe

The alternative to sending the user to a preference or are-you-sure landing page is simply executing list removal as requested, and providing a clear confirmation to the subscriber.

If your list removal takes a few days to process, or you send a final confirmation email, ensure this is explained.

dollskill-confirm

Including an undo option is helpful in case the subscriber has second thoughts. Ideally this re-subscribe call-to-action is paired with a blurb that reinforces what they’re missing out on.

However, simply confirming unsubscription misses opportunities for other types of engagment, much like a dead-end post-purchase thank you page.

update-right-away

Consider asking for feedback that can help you improve your mailing strategies (only after unsubscribing).

bellroy-options

open-end-feedback

You may also suggest following your social profiles as an alternative to email.

social-follow-bluenile

A little humor doesn’t hurt, either…

ron-jer

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15 Tips for Welcome Email

Our last post, The Art of Email Sign Up: 18 Dos and Don’ts continues today with welcome email tips.

Optimize for the open

Send promptly

The welcome message is a type of triggered email, and as such, should fire when the context is hot. Ideally your welcome email arrives immediately, when the subscriber is in the mindset of receiving your email.

Of the 50 email lists I tested, 35 arrived the same day, 4 the next day (all within 24 hours). 6 e-tailers sent no welcome message, and an additional 2 have sent no message since sign-up (30 days since).

Use the word “Welcome”

Using Welcome in the subject line distinguishes the welcome message from other promotions. Ideally, this trigger word appears first.

welcome-email-list

A/B test your subject lines

The above advice can be challenged through A/B testing. Your conversion goal is a successful open (clicks and sales are related to message content), so experiment with persuasive subject lines, which may include offers, numbers or even colorful emoticons to stand out.

Ask for further engagement

Add to Safe List

Once the email has been opened, one action you certainly want subscribers to take is add you to their safe list. This should be prominent in every message, especially your first. Consider persuading with your value prop, and why they should never want to risk missing a message.

Ask for more information

Once you get the subscriber, you may ask for additional info you can use to personalize emails and the site experience. One way is to link to a preference center, like Threadless.

pref-center

Another way is to encourage account creation. Target emphasizes the benefits of personalized shopping and faster checkout.
target

Ask for the social follow

Most retail emails use discreet social icons at the top or bottom of messages. The welcome email is an opportunity to ask for further engagement. Artistbe not only asks but incentivizes the social follow with an even better welcome offer than email subscribers:

fb-incentive

Ask for app download

None of my test retailers used a prominent call-to-action to download the app. Considering more than half of email is opened on mobile, this is a huge missed opportunity.

Branding

Elicit warm fuzzies

Images have a powerful emotional effect, which is why they are so integral to branding. You may choose to use your welcome message as a glossy, magazine-style “ad” for your business, or use another type of hero shot (like the Target puppy above).

Reinforce your value proposition

Ideally your email sign up included reasons why subscribers should salivate every time you send a message, but the welcome email is also a great time to share.

barneys-value-prop

Site-tour / tutorial

Though most ecommerce sites are straightforward, take time in the welcome email to explain how to make the most of your site, or highlight useful content sections and tools like product finders.

threadless-tour

kiddicare-site-features

Promote your content marketing

Not all email has to be a sales pitch. Blogs, YouTube channels, eBooks, lookbooks – let ’em know!

This doesn’t need to be your primary call to action — Sherry’s Berries’ blog callout is a secondary CTA.

sherries-bloggy

Tell a story

Site visitors that opt-in to email have an interest in your brand, and those that open your welcome email are especially interested – so tell them a story!

None of the emails I tested for this series had a strong welcome-email story, but one retailer Betabrand did have an incredible follow-up email that epitomizes email storytelling.

betabrand-storytelling

(This is not even the entire email content. See the rest here)

Merchandising

Offers

One of the most popular welcome tactics is the first purchase discount (or free gift).

baremin

It’s a great idea to time-limit the offer, as Chairish does below.

New arrivals

Chairish dovetails its first purchase offer with a call-to-action to the latest arrivals.

chairish

Selecting a single call to action (or limiting links to just a few) may have higher click through than mass-merchandising every category on your site in the welcome email. You may choose the home page section that gets the highest portion of clicks, whether for your site that’s New Arrivals, Best Sellers, Sale or Top Rated.

Put it all together

You don’t have to limit your welcome email to a single tactic. REI simply and cleanly lays out a number of calls to action, including customer service feedback.

REI-mltiple

Now that you’ve got ’em, they’re your subscriber to keep. But sometimes unsubscribes are inevitable. The concluding post in this series will cover how to maximize unsubscribe usability and opportunity. (Stay tuned)

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How Mobile Influences Shopping Behavior [Infographic]

This week’s infographic comes from Invesp Consulting, breaking down the current state of mobile and commerce.

mobile-shopping-infographic

tweet infographic

Tweetables

  • Mobile devices now account for 15.4% share of worldwide digital commerce Tweet this
  • Mobile now drives 50% of US online retail traffic Tweet this
  • 55% of in-store shoppers have used mobile devices to search for info Tweet this
  • 32% of retail shoppers aged 60+ use mobile devices in-store Tweet this
  • Smartphone AOV=$92.37 vs tablet AOV=$98.56 Tweet this
  • 62% of mobile shoppers perceive info accessed through mobile more useful than in-store displays/content Tweet this
  • 60% of electronics shoppers use mobile in-store vs 55% grocery, 47% apparel Tweet this

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The Art of the Email Sign-up: 18 Dos and Don’ts

email-subscribeDespite the shiny glory of Pinterest, Instagram, Twitter and the Facebook, email is not dead.

According to Marketing Sherpa, email is consumers’ preferred method of communication with business, eclipsing social media. Research by Econsultancy cites 20% of sales can be attributed to the email channel, and McKinsey found email is once, twice, forty-times as effective as Facebook or Twitter.

Building an email opt-in list and optimizing your call-to-action and capture process is just as important as ever. But how are today’s top online retailers doing?

DON’T: Make email sign-up calls-to-action inconspicuous

Many, many ecommerce sites minimize their email calls-to-action. Bellroy’s uber-low contrast “ghost” field is buried in its black footer.

low-contrast-email-box

H&M’s newsletter is jumbled with text links for social networks — again in the footer.

not-prominent-trend

Kiddicare’s social buttons drown out the email sign-up field…in the footer…

kiddicare

And FarFetch’s “Sign up for our Newsletter” link…doesn’t look clickable.

don't-look-like-links

DO: Test an overlay

Love them or hate them, in-your-face overlays tend to increase opt-ins.

Both Betabrand and Artbeads use the “no thanks” persuasive tactic to make you feel mashugana to decline.

Betabrand’s includes an instant, time-limited offer, eliminating some friction of time-lag between the on-site opt-in and inbox-checking.

betabrand-offer

betabrand-overlay

If you use this tactic, be sure to test both with/without and different styling/copy of your call-to-action. Testing with visitor segments is also useful (repeat visitors who opt-out in their first visit should not be harassed).

DO: Include your value prop

Why should a visitor give you permissive access to their sacred inbox? What will you do to deserve this access?

Artbeads’ (above) value prop is notification of sales events.

Lowe’s goes into detail (with bullet points!) combined with an offer of $10 off $50+, and provides clickable previews of typical newsletter content.

detailed-center

Your value prop doesn’t have to be long…SkinnyTies communicates its newsletters are brief and “suited” to the guy that values his time.

skinny-ties

DO: Offer social sign-up

Social log-in pulls the customer’s email address, and may be a more appealing choice.

curediva

Bonus points: the social-connected customer will often be auto-logged in by the browser on subsequent visits which you can use to personalize the customer journey.

DON’T: Open opt-in in new tab

I spotted this usability snafu on several sites where sign-up opens up in a new tab/page. This is especially bogus on mobile devices.

DO: Allow self-segmentation

There are several ways to get a jumpstart on your email segmentation. Ript Apparel offers the options of receiving email on every new design daily, promotions, or both.

frequency-segmentation

Poppin asks users to identify if they are B2B or B2C customers.

simple-seg-myself-bus

Sur La Table asks for zipcode, a classic demographic segmentation tactic. This can be especially helpful for merchandisers of ecommerce sites with local shops or products that are more suitable to one geography than another (fashion, sporting goods, etc) and helps all marketers get time zone right.

zipcode

PacSun asks for gender segmentation.

male-femail-seg

Wasserstrom segments by industry, but be careful with the use of drop-downs.

select-business-type

Fanatics has the most fanatical segmentation options, but it suits its business.

fanatics-team

DON’T: Ask for too personal/sensitive information

Blue Nile boldly requests marital or engagement status, which is a risky approach to segmenting their customer. Engagement status, like pregnancy, can change suddenly without a marketer’s knowledge, for which continuing to target on as if they are still engaged or pregnant can be insensitive-to-offensive.

marital-email

DO: Offer preferences after sign-up

You may choose to get the email address quickly and painlessly first, then direct your subscriber to a preferences page or light-box, like Land’s End.

landsend-sign-up
welcome-landsend

Sending to a new page may encourage abandonment, so make sure there’s a clear “exit to keep shopping” option.

Make sure your preferences section isn’t too overwhelming and detailed, however. The “don’t make me think” rule still applies universally to web usability (e.g. light-on-dark text and ALLCAPS can be hard to read).

post-sign-up-preferences

DO: Explain the value prop for sharing more information

Threadless’ “we’ll send you stuff we think you’ll like” is a bit of encouragement to share more…

tell-us

DO: Indicate required fields

If you’re going to use a form in email sign-up, indicate which fields are optional (Threadless didn’t).

Keep in mind, however, that showing more fields than just “enter email” visually adds to the perceived difficulty of the form – even with asterisks. (This is a borderline “don’t” – worth testing).

optional-fields

Ideally, when asking for additional information, a one-liner explaining how this information will be used to send more relevant emails and content is more persuasive.

DO: Cover the legals

Harry and David observes Canada’s anti-spam legislation by gleaning express consent from Canadian subscribers.

canspam

DON’T: Ask for too much information

As with all online forms connected to a conversion goal, the more you ask for, the more you risk abandonment. What you ask for may also be a factor. This form excludes “Mrs.” and “Miss” as a salutation. Salutation itself is questionably required.

mr-ms

DO: Check field usability

If you are going to ask for segmentation input like birth date, ensure fields don’t wipe context once the user starts typing. In this case, date format disappears and doesn’t return, which can lead to errors.

required-fields-and-formats

Test your fields with deliberate mistakes. Like with checkout, your error handling should be very clear and conspicuous. This example is not.

schuhmail

DON’T: Neglect CTA rules

Call-to-action design rules apply to all forms and conversion goals:

1. Avoid “cancel” buttons, and if you use them, style them less prominently than “submit.”
2. Avoid the word “submit” where possible, it’s just as simple to use more descriptive and fun “Sign Me Up” or “Subscribe.”
3. Test CTAs in various browsers, and ensure they align properly

cta-styling

DO: Provide visual feedback

Harry and David leverage a thank-you page to reinforce the value prop of subscribing, while reducing multiple submissions and customer unsure-ness.

visual-feedback

DO: Link to a preference center after capturing the email address

If you want to simplify your sign-up while still capturing valuable segmentation information, consider getting the email first, then link to a preference center (or take the subscriber directly to it with an easy exit).

further-modify

DO: offer a mobile opt-in

You can’t build a mobile marketing list if you don’t ask. Ulta takes advantage of the customer in the sign-up mindset.

sms-sign-up

DO: Ask for social sharing

Likewise, Chairish incentivizes email-a-friend at the very moment the subscriber is thinking about email.

chairish-share

This is the first of a 3-part series on retail email marketing. Next post, we’ll explore the wild world of welcome emails…

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Choice Ecommerce Links: July 2015

This month Walmart and Amazon duelled over low-low pricing, and Jet.com officially entered the battle. To compete, online marketers need to be strategic, nimble and on top of their game. We hope our choice cuts for the month help you to do just that.

  • MasterCard’s latest fraud-busting idea (and clear sign of the apocalypse): verify in-store and online purchases with a selfie.
  • We’re on the verge of the Internet of things disrupting marketing and digital commerce, creating new and uncharted touchpoints and a flood of context and data. What’s in store for the personalization and optimization of IoT?

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