However, Universal Commerce is not a “one size fits all” approach. As each scenario demonstrates, its expression varies depending upon the specific use case. Merchants, issuers, and service providers must look to skilled partners with the breadth of experience and technical capabilities to deploy their own Universal Commerce solutions. First Data offers the flexibility, scale, and capabilities range needed to meet these Universal Commerce needs. Because of the emergence of Universal Commerce, industry observers including Mercator Advisory Group agree that the payments industry and, indeed, the purchase experience itself will undergo more change in the next five years than it has during the last twenty. Universal Commerce is an expanding concept and evolving set of capabilities—the impact of which is only just beginning to be felt by merchants, consumers, and financial institutions. Now is the time to prepare.