Digital connectivity has created expectations of seamless multi-channel experiences in which payments are embedded in the path to purchase. Merchants that can accept any payment method, through any channel and in any currency are well positioned to benefit from the growth of global e-commerce. In a 2019 Forbes and J.P. Morgan survey of more than 300 executives worldwide, just half said their company can deliver well on the overall customer experience. However, a vast majority agreed that payments are an integral part of the customer experience. As the e-commerce payment engine for both emerging growth and Fortune 500 businesses, processing about $1.5 trillion in annual payments on behalf of its clients, J.P. Morgan has insight into the strategic value of consumer payments. Based on this experience, the J.P. Morgan Merchant Services team has identified five ways every business can maximize the strategic value of consumer payments.