The study is published annually as part of the Digital Commerce Alliance’s charter to advance data-driven commerce by enabling innovative, measurable, and mutually beneficial consumer experiences through standards, collaboration, and technologies. This is the 6th year of publication. Participants include members from small to mid-sized organizations (59%) to large enterprises (41%) as varied as Microsoft, Samsung, Rakuten, Mastercard, Discover, UBS, FIS, Hilton, and Harvey Nichols, from the strongest and fastest-growing economies in the world, including Australia, Canada, China, France, Germany, India, Japan, South Korea, the UK, and the US.