The war of the mobile payment 'Enrique Dans Blog
To my column Friday in expansion, saks off fifth titled "War of mobile payment" (pdf), I picked up a topic on which he had already written, the war between the payment system by Apple smartphone and some retail chains largest in the United States to launch its own system, and I gave way to mini-case, trying to lead the reader to launch their own hypotheses. I think one of those interesting situations that may arise analysis and conclusions saks off fifth of some value not only for those interested in the evolution of the technology industry, but also in other services saks off fifth such as banking or distribution.
A war whose battles are viviéndose virtually exclusively on American soil, but they are leaving saks off fifth an exciting panorama - besides determining many of our future habits.
On the one hand, Apple, gathering saks off fifth card issuers, banks and chain stores around a smartphone that in the United States carry over almost half of the users. Integrates all stakeholders without sacrificing any, charges banks, but above all, offers a magnificent, very comfortable usability, following the tradition of the brand of apple.
Furthermore, an alliance of large retailers (WalMart, saks off fifth Rite-Aid, CVS, 7eleven and many more), saks off fifth developing a system that dispenses credit card: connects directly to the current user's account, avoiding commissions and allows the operation of loyalty programs and schemes coupons. The system seems more uncomfortable (scan a QR code, enter the password, the screen show the person saks off fifth Store, etc.), but works on any smartphone and generates savings in stores, saks off fifth further control the payment terminals.
First assault? Apple manages more than one million active saks off fifth users within the first 72 hours of operation and becomes the most popular scheme of history. But stores that alliance block its operation disabling NFC readers.
Those stores will suffer the wrath of loyal users of Apple iPhones waving their shouting saks off fifth "I want to pay well"? Will they go away to other stores, convenience breaking schemes or proximity to unite them to a lifetime? Or on the contrary, will accept restrictions and paid differently? The result, saks off fifth in a few months.
Disabling the NFC readers in some stores, and the subsequent threat saks off fifth to boycott these stores some users of iPhone 6, get many headlines, but does not reflect reality. In USA, the vast majority of the shops just do not have NFC reader. Even in Spain, where the proportion of NFC readers saks off fifth is much higher, remain minority stores that have them.
There is an app for Android (and I suppose for iPhone) called PayPass Locator, indicating where local (retail, hospitality, etc.) where you can use the contactless card Mastercard (you can find anywhere in the world) there. Use it in serious and see reality.
QR codes, but can be used at any store. That is precisely one of 2 reasons why CurrentC starts using that (are also adding support for Bluetooth and other forms of TPV-mobile saks off fifth communication).
The other reason is that the vast majority of mobile NFC not have (or can not use courtesy of the operator). Not to mention Apple Pay (Google Wallet has never been used, even on mobile where yes you can use NFC), which can only be used in the iPhone 6 and 6 Plus. CurrentC, by contrast, is compatible with almost any mobile, precisely because QR codes (his few compatibility limitations come by the operating system).
The real battle is not CurrentC vs. Apple Pay, even if it is there that are holders. The real battle is CurrentC vs. cards. Will she CurrentC consumers leave the plastic when it is released?
Another issue is whether to end the paper money or currency, I think not, it is easier to handle saks off fifth black money with them, but allow bitcoin transactions black smoothly.
I think if stores do not require the user but will transfer part of the cost savings, no doubt that the system succeeds. I believe that behind this "war" there is a technological problem, nor ease of use and nor is there a big difference. saks off fifth The problem really is keeping a fee for the use of payment cards and the great influence of VISA and American Express you can see how they lose part of their business and the alliance with Apple's comes in handy.
To my knowledge the only motive Apple has NFC is the iPhone 6 and Plus. I am much mistaken, or half of the North American country n
To my column Friday in expansion, saks off fifth titled "War of mobile payment" (pdf), I picked up a topic on which he had already written, the war between the payment system by Apple smartphone and some retail chains largest in the United States to launch its own system, and I gave way to mini-case, trying to lead the reader to launch their own hypotheses. I think one of those interesting situations that may arise analysis and conclusions saks off fifth of some value not only for those interested in the evolution of the technology industry, but also in other services saks off fifth such as banking or distribution.
A war whose battles are viviéndose virtually exclusively on American soil, but they are leaving saks off fifth an exciting panorama - besides determining many of our future habits.
On the one hand, Apple, gathering saks off fifth card issuers, banks and chain stores around a smartphone that in the United States carry over almost half of the users. Integrates all stakeholders without sacrificing any, charges banks, but above all, offers a magnificent, very comfortable usability, following the tradition of the brand of apple.
Furthermore, an alliance of large retailers (WalMart, saks off fifth Rite-Aid, CVS, 7eleven and many more), saks off fifth developing a system that dispenses credit card: connects directly to the current user's account, avoiding commissions and allows the operation of loyalty programs and schemes coupons. The system seems more uncomfortable (scan a QR code, enter the password, the screen show the person saks off fifth Store, etc.), but works on any smartphone and generates savings in stores, saks off fifth further control the payment terminals.
First assault? Apple manages more than one million active saks off fifth users within the first 72 hours of operation and becomes the most popular scheme of history. But stores that alliance block its operation disabling NFC readers.
Those stores will suffer the wrath of loyal users of Apple iPhones waving their shouting saks off fifth "I want to pay well"? Will they go away to other stores, convenience breaking schemes or proximity to unite them to a lifetime? Or on the contrary, will accept restrictions and paid differently? The result, saks off fifth in a few months.
Disabling the NFC readers in some stores, and the subsequent threat saks off fifth to boycott these stores some users of iPhone 6, get many headlines, but does not reflect reality. In USA, the vast majority of the shops just do not have NFC reader. Even in Spain, where the proportion of NFC readers saks off fifth is much higher, remain minority stores that have them.
There is an app for Android (and I suppose for iPhone) called PayPass Locator, indicating where local (retail, hospitality, etc.) where you can use the contactless card Mastercard (you can find anywhere in the world) there. Use it in serious and see reality.
QR codes, but can be used at any store. That is precisely one of 2 reasons why CurrentC starts using that (are also adding support for Bluetooth and other forms of TPV-mobile saks off fifth communication).
The other reason is that the vast majority of mobile NFC not have (or can not use courtesy of the operator). Not to mention Apple Pay (Google Wallet has never been used, even on mobile where yes you can use NFC), which can only be used in the iPhone 6 and 6 Plus. CurrentC, by contrast, is compatible with almost any mobile, precisely because QR codes (his few compatibility limitations come by the operating system).
The real battle is not CurrentC vs. Apple Pay, even if it is there that are holders. The real battle is CurrentC vs. cards. Will she CurrentC consumers leave the plastic when it is released?
Another issue is whether to end the paper money or currency, I think not, it is easier to handle saks off fifth black money with them, but allow bitcoin transactions black smoothly.
I think if stores do not require the user but will transfer part of the cost savings, no doubt that the system succeeds. I believe that behind this "war" there is a technological problem, nor ease of use and nor is there a big difference. saks off fifth The problem really is keeping a fee for the use of payment cards and the great influence of VISA and American Express you can see how they lose part of their business and the alliance with Apple's comes in handy.
To my knowledge the only motive Apple has NFC is the iPhone 6 and Plus. I am much mistaken, or half of the North American country n
No comments:
Post a Comment