E-Commerce Technology Platforms

Payments have evolved from paper and plastic to APIs and orchestration - giving rise to a new breed of players that simplify the complexity and connect the dots behind the scenes. Here's how we got here. 𝟭. 𝗜𝗻 𝘁𝗵𝗲 𝗽𝗿𝗲-𝟭𝟵𝟵𝟬𝘀 𝗲𝗿𝗮, banks owned the entire payments value chain -acquiring, processing, settlement. Merchant onboarding was complex, and domestic clearing systems ruled. 𝟮. 𝗧𝗵𝗲 𝗿𝗶𝘀𝗲 𝗼𝗳 𝗲-𝗰𝗼𝗺𝗺𝗲𝗿𝗰𝗲 in the late 1990s changed everything. Players like PayPal and Authorize made online payments possible, while banks began exiting the acquiring space or partnering with processors to keep up with demand. 𝟯. 𝗕𝗲𝘁𝘄𝗲𝗲𝗻 𝟮𝟬𝟬𝟬 𝗮𝗻𝗱 𝟮𝟬𝟭𝟬, specialized gateways and regional wallets began to scale, offering merchants greater flexibility and control. The launch of SEPA in Europe marked a push toward payment harmonization, while non-bank players started building infrastructure that bypassed traditional acquiring models altogether. 𝟰. 𝗧𝗵𝗲 𝘀𝗵𝗶𝗳𝘁 𝘁𝗼 𝗔𝗣𝗜-𝗱𝗿𝗶𝘃𝗲𝗻 𝗶𝗻𝗳𝗿𝗮𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲 transformed payments from siloed systems into modular, developer-friendly tools. Merchant onboarding became faster, integrations simpler, and innovation more scalable. Open Banking regulations enabled direct access to bank data, while new credit models redefined consumer behavior. Payments evolved into a flexible, programmable layer of the digital economy. 𝟱. 𝗧𝗼𝗱𝗮𝘆, we’re in the age of seamless integration. Payments are embedded in everything - from ride-hailing apps to SuperApps. Real-time rails like SEPA Instant, UPI and PIX are live. CBDCs are in pilot. However, as payment ecosystems grow more fragmented - with new methods, regional schemes, compliance layers, and fraud risks -complexity has become a major bottleneck for merchants, fintechs, and even banks. Integrating multiple providers, maintaining uptime across systems, and ensuring regulatory compliance isn't just costly - it's unsustainable without the right foundation. This is where a new breed of infrastructure players like 𝗔𝗸𝘂𝗿𝗮𝘁𝗲𝗰𝗼 fit in - offering the tools to simplify complexity and still retain control. • 𝗪𝗵𝗶𝘁𝗲-𝗹𝗮𝗯𝗲𝗹 𝗽𝗮𝘆𝗺𝗲𝗻𝘁 𝗴𝗮𝘁𝗲𝘄𝗮𝘆𝘀 let banks, PSPs, and fintechs launch their own branded platforms fast - without building from scratch. • 𝗣𝗮𝘆𝗺𝗲𝗻𝘁 𝗼𝗿𝗰𝗵𝗲𝘀𝘁𝗿𝗮𝘁𝗶𝗼𝗻 enables merchants to route transactions dynamically across multiple acquirers, reducing costs and failed payments while improving UX. • 𝗕𝗮𝗻𝗸𝘀 can embed API-driven acquiring services into their offerings without the burden of a full-scale tech overhaul. In a world where growth brings fragmentation, the real challenge isn’t enabling payments - it’s managing them. The advantage will lie with infrastructure that can unify complexity, adapt in real time, and scale across borders without adding friction. Opinions: my own, Graphic source: Akurateco Payment Hub Subscribe to my newsletter: https://lnkd.in/dkqhnxdg

WHAT A U.S. HYDROGEN PLATFORM MUST DO (Series Part 3: “Where the Hydrogen Industry Goes Next”) We already know exactly what that system must include. 1. A Supply & Demand Engine (Not a Directory) We need a real-time, verified map of: • suppliers • buyers • station developers • logistics pathways • infrastructure bottlenecks • regional volume needs 2. A Bankability Layer Our projects don’t fail because of hydrogen, they fail because of uncertainty. A U.S. platform must include: • partner scoring • technology readiness checks • financial reliability indicators • compliance & document review • delivery history • business stability • completeness of information 3. A Project Workflow Engine Developers need a place where projects can move from: Inception → Planning → Procurement → Post-Contract in one continuous workflow. This is the only way to stop losing months to PDF exchanges, outdated spreadsheets, and email chains. 4. A Go/No-Go Decision Layer No more $150K feasibility reports that take 6 months and are outdated before they’re finished. A real U.S. marketplace needs: • validated partner data • incentive modeling • CAPEX/OPEX inputs • carbon intensity scoring • community alignment checks • regulatory screening • clear action pathways (Proceed / Pivot / Pause) 5. A Clean-Fuel Marketplace That Actually Closes Deals Hydrogen, e-Methane, Methanol, SAF. All in one place. All verified. All comparable. All trackable. That means: ✔ set your terms ✔ send offers ✔ compare verified suppliers ✔ close deals ✔ store records 🔑 6. Real-Time Market Pulse We need a platform that tracks: • regional price changes • supply/demand shifts • capacity movements • infrastructure gaps • incentive impacts • future trend modeling 🔑 7. An Optimizer Engine for Pathway Modeling Every project needs to test scenarios: Path A, Path B, Path C The system must model: • returns • volume • price strategy • route planning • downtime • risk Without modeling, we’re guessing. With modeling, we’re competing. 8. A National Partner Network (Verified, Not Voluntary) We need one trusted ecosystem that includes: • producers • OEMs • EPCs • station developers • fleet partners • energy storage partners • national labs • financiers • community organizations • SMEs 9. A Post-Contract Execution Layer The U.S. has thousands of megawatts “announced” but very few actually operating. A real platform must support: • operational monitoring • uptime and resilience • collaboration threads • document management • change tracking • community reporting • ESG transparency The Blueprint Is Already Here The U.S. doesn’t need to guess anymore. We don’t need to reinvent the wheel. We don’t need to wait for perfect federal alignment. We just need to build the platform that connects the entire ecosystem and we already know exactly what it must do.

Breaking Through E-commerce Search Efficiency: NEAR2 Achieves 12x Performance Boost E-commerce search engines face a critical challenge: how do you accurately match user intent with millions of products while maintaining lightning-fast response times? A groundbreaking research collaboration between University of Surrey, eBay, and Birmingham City University has developed an innovative solution that's reshaping how we think about product retrieval. >> The Technical Innovation Behind NEAR2 NEAR2 (Nested Embedding Approach to product Retrieval and Ranking) leverages Matryoshka Representation Learning to create nested embeddings of different sizes within the same high-dimensional vector. Here's how it works under the hood: > Core Architecture - Nested Embedding Structure: The system explicitly optimizes sets of lower-dimensional vectors in a nested manner, where the initial m-dimensions form a compact, information-dense representation - Progressive Information Encoding: As dimensionality increases, the representation progressively incorporates more detailed information, providing a coarse-to-fine representation hierarchy - Multi-Task Learning Integration: NEAR2 combines User-intent Centrality Optimization with Matryoshka Representation Learning to handle multiple downstream tasks simultaneously > Technical Implementation The approach utilizes Multiple Negative Ranking Loss (MNRL) to measure differences between relevant and irrelevant examples, ensuring clear separation by reducing query-positive distances while increasing query-negative distances. The system processes challenging query types including: - Alphanumeric queries (like "S2716DG") where slight variations signify different product features - Implicit queries with ambiguous user intent - Short queries that lack contextual information > Performance Breakthrough Testing on four challenging datasets revealed remarkable results: - 12x efficiency in embedding size reduction (from 768 to 64 dimensions) - 100x smaller memory usage during inference - No additional training costs compared to traditional approaches - Improved accuracy across all evaluation metrics including precision, recall, NDCG, and MRR >> Real-World Impact The qualitative analysis demonstrates that NEAR2's similarity scores are significantly more reliable than baseline models. For instance, when searching for "plants," NEAR2 retrieved relevant titles like "Philodendron Micans Rooted Cutting" and "Tillandsia Mix 5 Plants," while traditional models returned irrelevant results like "coins" and "drinks cabinet".

When Marketplaces Evolve from “Global Hubs” to “Local Ecosystems,” You’ve Entered 2025’s Real Game-Changer Yes, marketplaces are old news. But what is NEW is their morph into hyper-local, category-driven, end-to-end ecosystems — and that’s something most global frameworks don’t cover. 1. UNIQLO’s “Touchpoint” Store: Precision O2O in Action - Novena concept store boosts same-day pick-up to ~50% of daily transactions by blending condensed footprint with courier-ready integration ⁠ — not global volume, but local experience design. - It’s not just click-and-collect, it’s store layout reengineered for omnichannel efficiency. 2. Decathlon ’s Quiet Omnichannel Surge - In-aisle kiosks with live inventory + AI recommendations cut “no results” rates from 5% to 1.8% — while conversions jumped 50%. - Partnerships with micro-influencers now drive 7% of total sales, while content-rich mobile search before store visits accounts for 20–25% of high-ticket buys. 3. AI + Zero-Code Build: Micro-Marketplaces on Steroids - Imagine launching a farm‑to‑table grocer or niche skincare bazaar in DAYS — powered by AI product sorting, zero-code integrations, micro-fulfilment and local influencer flywheels. - These don’t seek scale in global reach — they win by category trust, local nuance, and experiential depth. What This Means for the Full Consumer Journey - Search ➝ Social ➝ Store is now seamless: product found via mobile, touch‑and‑feel in-store, bought with post‑purchase care. - Trust isn’t global — it’s hyper-local. Consumers skip big platforms when local credibility is up (staff, advice, community). - The new battlefront is who owns the scan-to-pickup-to-care pathway — AI recommendations, in-store kiosks, live chat with experts, pick-up logistics, influencer validation, follow-up CRM. Here’s the real test: - Will you build mini retail ecosystems (think micronodes, smart fulfillment, category curated by AI)? - Or stay a tenant on global platforms — letting them own your consumer's trust path? Your move: - Have you tested a small-format, O2O-optimized store that boosts conversion in busy precincts? - Built micro-marketplace integration on social + AI, then tied it into CRM for post-purchase journeys? - Seen category-specific micro-marketplaces leap ahead of big players by owning the offline pipeline? Disclaimer: Based on publicly available data (SimilarWeb, Google Path to Purchase, UNIQLO/Decathlon case studies, DataReportal). For thought leadership only. All brand names are trademarks of their owners. Ready to discuss? 👉 Comment: 1️ What tiny-marketplace or small-format store has silently outperformed global giants in your city? 2️ What category can you dominate by owning the full scan-to-care loop? #Omnichannel #MarketplaceEvolution #MicroRetail #AIinCommerce #LocalEcosystems   https://lnkd.in/e4vKji3c

In this deep dive edition of Fintech Wrap Up, I explored how AWS is enabling businesses to build modern credit card payment processing platforms and payment gateways with its powerful cloud infrastructure. As payments become increasingly digital, AWS provides a secure, scalable, and resilient solution to handle credit card transactions efficiently and in real-time. By using services like API Gateway, DynamoDB, Elastic Kubernetes Service (EKS), and Amazon Managed Streaming for Apache Kafka, businesses can meet high availability and low latency requirements while adhering to compliance standards like PCI DSS. The article delves into the lifecycle of credit card transactions, from authorization to clearing and settlement, offering detailed reference architectures for both the acquiring and issuing processes. It highlights AWS’s capabilities to support global expansion, manage compliance in different regions, and protect sensitive data through tools like AWS Payment Cryptography and ElastiCache. Key features include the ability to scale operations during seasonal spikes, maintain stringent security protocols, and automate monitoring for real-time issue detection. Whether businesses are enhancing their fraud prevention mechanisms, optimizing tokenization processes, or ensuring compliance with industry regulations, AWS’s cloud infrastructure provides the flexibility and reliability needed to succeed in today’s fast-evolving payments ecosystem. If you’re looking to future-proof your payment systems, this deep dive is packed with essential insights! #fintech #payments #aws #cardprocessing Prasanna Thomas Richard Panagiotis Tony Nicolas Arjun Dr Ritesh Sandra

𝐖𝐡𝐲 𝐒𝐨𝐦𝐞 𝐌𝐚𝐫𝐤𝐞𝐭𝐩𝐥𝐚𝐜𝐞𝐬 𝐓𝐡𝐫𝐢𝐯𝐞—𝐚𝐧𝐝 𝐎𝐭𝐡𝐞𝐫𝐬 𝐃𝐨𝐧’𝐭 Amazon. Airbnb. YouTube. Booking.com. Mercado Libre. These companies aren’t just platforms — they’re powerhouses of network effects. The more buyers join, the more valuable they become for sellers… and vice versa. But here’s the hard truth: not every marketplace is defensible. Many startups claim “strong network effects” without explaining why or how they’ll actually emerge. After two decades studying and investing in marketplaces, we’ve learned that defensibility comes down to a few key questions 👇 1️⃣ How strong are the network effects—really? Don’t just ask “What’s the total addressable market?” Ask “How much new revenue can this marketplace create for its sellers?” The bigger the upside for sellers, the stronger the flywheel. 2️⃣ How fragmented are buyers and sellers? Network effects grow when there are many small players rather than a few large ones. Fragmentation strengthens discovery and trust mechanisms like ratings and reviews. 3️⃣ How differentiated are the sellers? Homogeneity kills defensibility. Marketplaces like Etsy, YouTube, and Airbnb win because they enable unique offerings—not commoditized ones. 4️⃣ How much value does the platform add? Marketplaces that improve both discovery and transactions (think search, payments, insurance, analytics) build stickiness. Those that don’t risk “leakage”—buyers and sellers taking deals off-platform. 5️⃣ Are network effects local or global? Local marketplaces (like TaskRabbit) reset network effects city by city. Global ones (like Airbnb or Upwork) compound their strength with every new market. 6️⃣ How hard is it to switch platforms? If users can “multihome” easily, profits evaporate. Ratings, integrations, and creator-specific content can raise switching costs without costly incentives. The takeaway: Winning marketplaces don’t just connect buyers and sellers — they engineer defensibility through design, differentiation, and value creation. As generative AI transforms entire categories, new marketplaces will rise — and old ones may fall. The winners will be those that build network effects that last. Question for you: What emerging marketplace do you think has the strongest network effects potential right now? #Marketplaces #NetworkEffects #Strategy #VC #Startups #PlatformEconomy #GenerativeAI

Ever wonder what actually happens when you click "Pay Now"? Online payments may feel instant, but behind the scenes, there’s a complex web of handshakes, approvals, and verifications. Here’s what happens—step by step: 1. Checkout You enter your card or choose a payment method (like PayPal, Klarna, or Apple Pay). → This data is captured and encrypted. 2. Payment Gateway Think Stripe, Adyen, or PayFirmly. → The gateway securely routes the transaction data to the payment processor. 3. Payment Processor The processor (like FIS, Worldpay, or Checkout.com) contacts: 🔹Card networks (Visa, Mastercard, etc.) 🔹Your issuing bank (the bank that gave you the card) 4. Authorization Your bank checks: 🔹Is the card real? 🔹Is there enough balance? 🔹Is the transaction suspicious? If approved → a temporary hold is placed. If declined → you’re shown an error. 5. Response Sent Back The approval or decline flows back through the processor → gateway → merchant website. → You see “Payment Successful.” 6. Settlement At the end of the day, funds are moved between banks via batch clearing. → This is when the money actually starts moving. Bonus: Orchestration Platforms like PayFirmly offer smart routing, fallback logic, and local optimization across 500+ methods, so your payment doesn’t fail just because one processor is down. In short: What looks like one click is actually a high-speed relay race between 5+ players. Next time your payment fails… it’s probably not your fault. #Fintech #Payments #eCommerce #DigitalPayments #PaymentProcessing #PayFirmly #HowItWorks #Stripe #Adyen #Visa #PayPal #Klarna #Mastercard #SmartRouting

𝐇𝐨𝐰 𝐎𝐧𝐥𝐢𝐧𝐞 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐖𝐨𝐫𝐤 — A Look Inside the Digital Payment Journey by Solidgate 👇 Every time a customer pays online, a multi-step chain of real-time interactions kicks off — linking merchants, orchestrators, acquirers, card networks, and issuers to complete a transaction in seconds. — 🧩 𝐖𝐡𝐨 𝐀𝐫𝐞 𝐓𝐡𝐞 𝐌𝐚𝐢𝐧 𝐏𝐥𝐚𝐲𝐞𝐫𝐬? ► 𝐂𝐮𝐬𝐭𝐨𝐦𝐞𝐫 → Anyone initiating a payment — via web, mobile, or app ► 𝐌𝐞𝐫𝐜𝐡𝐚𝐧𝐭 (Booking.com, Alibaba Group, Glovo) → Offers goods or services and accepts online payments ► 𝐎𝐫𝐜𝐡𝐞𝐬𝐭𝐫𝐚𝐭𝐨𝐫 / 𝐏𝐚𝐲𝐦𝐞𝐧𝐭 𝐆𝐚𝐭𝐞𝐰𝐚𝐲 (Solidgate, DEUNA, CellPoint Digital) → Tokenizes sensitive data (either the orchestrator, PSP or 3rd Party vault (i.e.VGS), performs pre-checks, applies fraud scoring, and routes transactions to optimal acquirers ► 𝐀𝐜𝐪𝐮𝐢𝐫𝐞𝐫 (Adyen, Checkout.com, Getnet) → Manages the merchant account and submits the payment request to card networks ► 𝐂𝐚𝐫𝐝 𝐍𝐞𝐭𝐰𝐨𝐫𝐤 (Visa, Mastercard, American Express, GIE Cartes Bancaires) → Connects the acquirer and issuer, governing the messaging, standards, and authorization flows ► 𝐈𝐬𝐬𝐮𝐞𝐫 (Chase, Barclays, Santander, Ramp, American Express, Marqeta) → Verifies and authorizes the transaction by checking account balance, card status, and customer validation — 𝐓𝐡𝐞 𝐎𝐧𝐥𝐢𝐧𝐞 𝐏𝐚𝐲𝐦𝐞𝐧𝐭 𝐅𝐥𝐨𝐰 — 𝐒𝐭𝐞𝐩 𝐛𝐲 𝐒𝐭𝐞𝐩 1️⃣ 𝐂𝐡𝐞𝐜𝐤𝐨𝐮𝐭 Customer submits card info on the merchant’s frontend (website or app) 2️⃣ 𝐎𝐫𝐜𝐡𝐞𝐬𝐭𝐫𝐚𝐭𝐢𝐨𝐧 𝐁𝐞𝐠𝐢𝐧𝐬 Solidgate validates and tokenizes the card details, then applies fraud filters 3️⃣ 𝐓𝐫𝐚𝐧𝐬𝐚𝐜𝐭𝐢𝐨𝐧 𝐑𝐨𝐮𝐭𝐢𝐧𝐠 Based on geography, past performance, or cost, the request is routed to the most suitable acquirer (e.g. Payplug) 4️⃣ 𝐅𝐨𝐫𝐰𝐚𝐫𝐝 𝐭𝐨 𝐂𝐚𝐫𝐝 𝐍𝐞𝐭𝐰𝐨𝐫𝐤 The acquirer forwards the transaction to a card network (Visa, Mastercard) 5️⃣ 𝐈𝐬𝐬𝐮𝐞𝐫 𝐑𝐞𝐬𝐩𝐨𝐧𝐬𝐞 The issuer (Santander) verifies the request and responds with an approval or decline 6️⃣ 𝐅𝐢𝐧𝐚𝐥 𝐑𝐞𝐬𝐩𝐨𝐧𝐬𝐞 𝐭𝐨 𝐌𝐞𝐫𝐜𝐡𝐚𝐧𝐭 The result is passed back to the merchant — via the orchestrator, acquirer, and card network 7️⃣ 𝐒𝐞𝐭𝐭𝐥𝐞𝐦𝐞𝐧𝐭 If approved, funds are captured and settled into the merchant’s account — 𝐊𝐞𝐲 𝐂𝐫𝐢𝐭𝐞𝐫𝐢𝐚 𝐰𝐡𝐞𝐧 𝐬𝐞𝐥𝐞𝐜𝐭𝐢𝐧𝐠 𝐚 𝐏𝐚𝐲𝐦𝐞𝐧𝐭 𝐈𝐧𝐟𝐫𝐚𝐬𝐭𝐫𝐮𝐜𝐭𝐮𝐫𝐞: → Real-time fraud scoring & validation → Intelligent acquirer selection to optimize conversion → Seamless integration with Visa, Mastercard, and leading issuers → One API across global markets for scale and control As the payment stack becomes more modular and distributed, understanding each player’s role is key to building resilient, scalable online commerce. — Source: Solidgate ► Subscribe to 𝐓𝐡𝐞 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐁𝐫𝐞𝐰𝐬 ☕: https://lnkd.in/g5cDhnjC ► Connecting the dots in payments... | Marcel van Oost

🔍 Payment Gateway vs. Payment Switch Key Differences 💳 A clear breakdown for fintech, banking, and payments professionals ⛔ 1. What They Are Payment Gateway (PG) A merchant-facing software solution (typically built by fintechs). Acts like a digital cashier that: Collects customer payment details (card, UPI, wallets, net banking, etc.) Performs authentication (OTP, CVV, PIN, 3DS, etc.) Initiates the payment request Handles settlement and reconciliation Sits between the merchant and the issuing bank Payment Switch A backend transaction-routing engine inside payment processors, banks, or gateways. Not visible to merchants or customers. It: Routes transactions intelligently Formats and translates payment messages Connects gateways to PSPs, acquirers, and issuers Operates in the payments core infrastructure ⛔ 2. Primary Function Payment Gateway ✔ Collects & validates payment info ✔ Initiates payment transactions ✔ Sends requests securely ✔ Provides dashboards, refunds, reconciliation ✔ Settles funds to merchants Payment Switch ✔ Routes transactions to the appropriate PSP/acquirer ✔ Applies merchant/acquirer rules ✔ Uses BIN/time/amount/smart routing ✔ Transforms formats (ISO 8583, JSON, XML) ✔ Acts as a high-speed transaction relay ⛔ 3. Who Uses Them Payment Gateway Merchants (e-commerce, apps, POS) Customers Fintechs offering merchant payment solutions Payment Switch Payment gateways Banks and processors PSPs and large payment infrastructure vendors ⛔ 4. Where They Sit in the Payment Flow Payment Gateway → At the edge, facing the user. Payment Switch → Inside the processing core, connecting systems. ⛔ 5. Typical Features Payment Gateway Features Supports multiple payment methods Fraud detection and authentication tools Checkout pages, APIs, SDKs Tokenization Settlement & reconciliation Reporting, analytics, refunds, chargebacks Payment Switch Features Dynamic smart routing (BIN/time/amount-based) Failover routes for uptime High-speed message transformation (ISO 8583, JSON, XML) Load balancing Real-time OTP processing Integration with multiple acquirers/issuers/PSPs ⛔ 6. Purpose in the Ecosystem Payment Gateway 🎯 Purpose: Help merchants easily accept digital payments 🔎 Analogy: “Cashier + POS machine + accounting system” for online payments Payment Switch 🎯 Purpose: Efficiently move transactions between financial institutions 🔎 Analogy: “Traffic controller / routing engine” for payment flows PayPro JazzCash easypaisa digital bank State Bank of Pakistan (SBP) Bank Alfalah Limited HBL 1LINK (Pvt) LimitedNiFT Google OPay Visa Mastercard UBL - United Bank Limited TPS Worldwide Safepay HQ American Express Paysys Labs Raast Solutions Paytm Paytm Money Meezan Bank Limited #POS #Payments #Gateway #PSP #NBFI #BANKS #Online #Flow #OTP

Wait... Passing Core Web Vitals isn't fast enough??? For years I've helped brands "get to green", and passing Google's site speed target has become the default web performance goal for most websites. This week I was shocked to learn that at this speed, most brands are still leaving SIGNIFICANT money on the table. Site speed directly influences business outcomes. A faster site results in: - Lower bounce rates - Higher conversion rates - And therefore higher revenues, healthier business, happier customers. New real-world eCommerce performance data from across 700+ brands and 500M+ shopper sessions shows that continuing to optimize beyond Google's recommended targets, continues to boost conversion, and drop bounce rates. For LCP ("Looks fast") - Passing CWV (2.5s): average 1.49% conversion rate and 60.51% bounce rate - Conversion rates across all sessions, brands, device types, and platforms peak at 1.3s - Sessions at 1.3s average 2.21% conversion, and 44.64% bounce rate! Shaving 1.2 seconds off LCP, above and beyond Google's recommendation, shows a 26% lower bounce rate, and 48% higher conversion rate! The data also shows that optimizing LCP beyond 1.3s LCP shows diminishing returns, and becomes exceptionally expensive. And for INP ("Feels fast") - Conversion rate continues to improve all the way to 0ms INP.  - Driving INP to 0ms from Google's recommended 200ms results in 16.3% higher conversion rate - Bounce rate at 100ms INP is 10.3% lower than at Google's 200ms threshold. This is shocking to me, honestly. We have a lot of work to do! Explore for yourself at the link in the comments. #sitespeed #webperf #ecommerce #conversion #analytics #pagespeed #corewebvitals