2016年高级支付方式报告.pdfContents Edgar, Dunn Company Adva

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详细说明：2016年高级支付方式报告.pdfContents Edgar, Dunn Company Advanced Payments Report 2016 Edgar, dunn company OVERVIEW SECURITY-AUTHENTICATION Management Consultants TOWARDS INVISIBLE PAYMENTS THE PRICE OF CONVENIENCE Contacts Samee Zafar Director, EDC London WHERE DIGITAL MEETS PHYSICAL CORPORATE PAYMENTS samee.zafaredgardunn cor BLURRING BOUNDARIES FACILITATING TRADE +44(0)207283114 Jane Cloninger Director, EDC San Francisco 08 janecloningerqedgardunn.com MOBILE WALLETS FINANCIAL INCLUSION +14154420545 HALF EMPTY, HALF FULL THE WORK IS FAR FROM OVER Gregoire Toussaint Manager, EDC Paris gregoire.toussaintedgardunn.com +33670269925 PERSONAL PAYMENTS VIRTUAL CURRENCIES MAKING MONEY FLOW BLOCKCHAIN DIGITISING VALUE Edgar, Dunn Company tedgardunn www.edgardunn.com 33 REAL-TIME PAYMENTS THE INTERNET OF THINGS IN THE BLINK OF AN EYE TOWARDS CONNECTED COMMERCE Published april 2016 Copyright o 2016 Edgar, Dunn Company All rights reserved. Reproduction by any method or unauthorised SPONSORED BY circulation is strictly prohibited wirecard and is a violation of international Copyright law www.wirecard.com Advanced Payments Report 2016 Edgar, Dunn company Management Consultants Overview Towards invisible payments This year the report is sponsored by an affordable alternative to hotels, banking industry Wirecard, the global financial services stalwarts have so far proven more difficult to displace and technology company, Which holds a One reason for this resilience is that banks as custodians of customer deposits and lenders of funds have highly banking license. Wirecard is a key player developed risk management systems that ensure they do and innovator in the digital payments not fall foul of rules and regulations designed to protect world and helps a number of companies, consumers, the institutions themselves and the economy in general. As such many start-ups tend to partner with ranging from FinTech start-ups to large financial institutions to comply with licensing laws entities, retailers and airlines meet their They also do so to take advantage of the widespread digital payments needs distribution networks of banks and their access to cheaper sources ot funding such as deposits In payments, however, not only start-ups but also large The Advanced Payments Report(APR) combines views technology companies are investing in innovations and and perspectives obtained from industry executives new technologies. Mobile wallets continue to cause a the results of an online survey, and continuous research stir in the payments industry. The wallets are designed and monitoring of events in the payment industry to offer convenience to consumers by allowing them to It highlights key advanced payment trends. While its tore their payment cards, loyalty vouchers and even focus is on payments, payments cannot be detached travel documents such as boarding cards for easy access from the broader fabric of integrated financial services in and use. But wallets have long been the subject of much today's digitally connected world debate, discussion and controversy. Wallets developed A question that arises continuously in this interconnected and rolled out by mobile network operators(MNOs) world is whether the banking industry is ripe for truggled to attract consumers, and some had to be disruption? The answer to the question from many start losed down with industry momentum now shifting to ups would be a resounding""as they discover and fill mobile device manufacturers such as Apple and Samsung the gaps in products and services offered by traditional Apple Pay, introduced in late October 2014 in the United financial institutions. "We actually are trying to change States, significantly revived the sagging interest in mobile banking entirely. We are trying to displace what we think payments and was quickly followed by Samsung Pay(US is a fundamentally broken system, " said Mike Cagney, CEO and South Korea) and Android Pay (US only)in 2015. Apple of Social Financial or SoFi, a financial services start-up, in a Pay has expanded in February 2016 in China and is set to recent interview with CNBC roll out in additional countries in 2016. It is still early days But despite the billion dollar valuations, innovative for these wallets, and transaction volumes are not entirely business models and promises to unlock an alternative representative of their future potential. Digital wallets financial universe, the impact of new players on the have come a long way when it comes to ease of use and banking industry has been relatively less disruptive simplicity of set-up. For example, it takes minutes-not Unlike the travel industry where online booking engines days- to ' provision'or register a customer to start using and mobile travel apps disrupted the agent assisted one of these wallets and for some of these wallets. there model and where new players continue to innovate, is no need to open the app in advance- your fingerprint or the seismic shift caused by Uber, Lyft, or Didi in the does that taxi industry, or the popularity of Airbnb which offers SPONSORED BY 11Edgar,Dunn&Companywww.edgardunn.com wirecard Edgar, dunn Advanced Payments Report 2016 66 While these wallets are designed Or, perhaps, they may not? While for in-store point of-sale(POS The lot will create bank transfer systems and credit card environments, they will also services are continually improving be used for all types of digital a complex demand in speed and security and adapting funds (and not payment cards) have for payments across currencies are designed specifically prospered in markets like India and individuals businesses for the Internet and these may China where use of payment card in time, become more and more is still not mainstream. Prominent relevant for digital micropayments as examples include Alipay and new loT services are rolled out We Chat Payment in China and Paytm in India Innovations that validate transactions and confirm Making money flow better across the globe is still a contracts to support systems of value exchange will be focus for a number of start-ups. This has been the equally important in the future. Blockchain, a technology historic preserve of banks and money transfer operators inherent to the concept of Bitcoin, for example, may find (MTOS but companies such as Worldremit, TransferWise, use cases that go beyond digital payments to provide TransferGo, and Remitly have leveraged innovative universal open standards for validating all types of business models to play in an industry which carries finan cial transactions risk and where traditionally it has been difficult to Wherever the future may lead us, one thing for certain differentiate other than on price. is that in order for innovations and new services to be On the cutting edge of digital commerce are advances successful, regardless of how sophisticated or technical related to the Internet of Things(IOT). The loT is a term their development or delivery may be, they will need to be coined by an MIT researcher to explain the next evolution intuitively simple for consumers to understand and use. of the Internet, the super-connected Internet in which Daniel Kahneman, the behavioural psychologist famous not only computers, mobile phones, or tablets will be for his work on how people think and make decisions, and connected but all types ofthings; home appliances and winner of the noble prize for economics in 2002, describes achines that we use every day, such as cars and even in his best seller, Thinking Fast and Slow, the key to planes; things for sports, such as tennis rackets, cricket how consumers think. Most consumers are lazy -or in bats or golf clubs; and billions of other things, including Kahnemann's polite scientific jargon -consumers tend to wearables such as clothes, watches and shoes be"cognitive misers"who make decisions and judgement The loT will create a complex demand calls based on quick and instinctive impressions for payments across individuals and (intuitive or "fast"thinking), not wasting businesses because of the sheer their cognitive resources on analytical number of things connected deductions and logical thinking and the complexity of services (deliberate or "slow"thinking) that will become available Future successful systems of value Global commerce will expand exchange will be entirely digital Commercial payments will range and in order to be successful from large transactions between they will need to be designed businesses down to micro for the ultimate cognitive misers, transactions between multiple operating quietly in the background individuals located anywhere where, says Christian von Hammel- in the world Bonten, EVP Global Product Strategy at Banks and payment intermediaries Wirecard, the key challenge for payment will always have a role to play in payments providers will be "to make themselves invisible facilitating payments via bank accounts or credit cards but not redundant. The key to success for all forms because consumers trust these mechanisms and they of commerce will be a seamless, efficient and secure provide recourse should something go wrong payment experience. SPONSORED BY wirecard ww.edgardunn.comEdgarDunn&coMpany2 Advanced Payments Report 2016 Edgar, dunn company Where Digital Meets Physical Blurring boundaries Advances in the development of mobile Omni-channel devices have created the phenomenon Omni-channel, a multichannel approach to sales, used where consumers can easily research to be a buzzword but now has become an expectation products and shop at their convenience that merchants cannot ignore. An in-store transaction will replicate the same customer experience as an anytime, anywhere. New technologies e-commerce transaction: browsing for goods with a have blurred the boundaries of physical smartphone, a tablet or an in-store kiosk, adding items and online commerce, enabling new ways to the physical shopping cart or the virtual basket and then checking out by paying with the smartphone. The for merchants to communicate with their customer will not distinguish between online and Pos customers experiences as they will be completely blurred, says Susanne Steidl, Executive Vice President Issuing Services Leading retailers, technology companies and social at Wirecard Ag media platforms are continuing to explore opportunities to promote deeper engagement between businesses Omni-channel capabilities bring a unique set of bringing businesses onto its Messenger app, Wlch? and consumers, For example, Facebook is working on opportunities for merchants, allowing them to provide consumers a frictionless shopping experience regardless allows consumers to interact with a business through of whether the customer is shopping in a store or online conversation threads. Consumers can ask questions, make using a desktop or a mobile device. Through these reservations or purchase products or services by text- channels, merchants can also increase brand awareness messaging a merchant. and loyalty. However, there are challenges. Providing detailed product information and embedded payment Once the consumer opens a thread to communicate with functionality over a number of distinct channels can be a business, that thread will stay there forever. This allows difficult and that business to know its consumers better as well as keep in touch with them. While David Marcus, a former All three key stages of the purchase transaction in which president of Pay Pal and current VP of Messaging Product merchants engage with consumers- pre-purchase t Facebook suggests that Facebook is merely taking purchase and Post-purchase -are being impacted by the first baby steps" toward transforming interactions the changing focus of retailers on providing a seamless with businesses, the Chinese messaging app, WeChat shopping experience across all channels has already allowed its users to order taxis, check in for flights, pay utility bills, make doctors' appointments all without leaving the app. Amazon, on the other hand, allows its users to communicate with buyers in 64% of survey respondents the Amazon marketplace via email with its Buyer-Seller Messaging Service. While businesses on messenger is believe that mobile popular in China, the concept is still fairly new elsewhere. Nonetheless, the potential impact of messaging on self-checkout apps will help commerce is great. It might blur the boundaries between create a seamless shopping different sales channels even further experience SPONSORED BY 13Edgar,Dunn&Companywww.edgardunn.com wirecard Edgar, dunn Advanced Payments Report 2016 The future of payments for physical retail stores Large retailers will continue to move away from traditional PoS terminals 76% to mobile ones and will include value added services Mobile self-checkout apps will help create a seamless shopping experience 64% it will win adoption from big-box retailers in the next 2-3 years More payments will be embedded in the commerce transaction and the 62% merchant will own the payment experience 0%10%20%30%40%50%60%70%80%90%100% Pre-purchase Purchase Consumers may use the Internet to ' channel-surf, i.e urchasing is now being made easier through initiatives research an item through one channel and purchase it via like the'suspended basket. Merchants such as Burberry another. 'Showrooming' is a well-established practice would like to introduce a facility through which in which consumers purchase items online, having consumers could order products via any channel (even researched and tested them out in a physical retail outlet. store), the products would be retained in the consumer's Interestingly, only 60% of webroomers have showroomed account basket for a pre-established period of time, but 90% of showroomers have webroomed according to and the consumer could amend the basket and initiate Merchant warehouse. The evidence therefore indicates payment via any other applicable sales channel that consumers-whether they are 'channel Payment at PoS is no longer simply a matter of inserting surfers'or not- like to purchase in or swiping a card at a fixed checkout location in a store. a physical retail environment. Use of Mobile PoS(mPOS) terminals in-store is Both trends are frowned upon becoming more widespread. This years survey by retailers, although some results indicate that a high percentage(76%) such as John Lewis in the UK of industry executives believe that retailers have embraced them b will replace traditional PoS terminals for encouraging shoppers mobile devices that include additional value to check product details added services(vAS)such as data analytics using the retailers app and inventory management applications. while in-store New models have emerged where Another useful purchasing in a physical environment crossover between requires limited interaction the physical and online with sales staff, either at retail environments is the a contactless kiosk or end-less aisle approach now in-app in-store, such being adopted by some retailers. as using the pay Pal Consumers are provided with in-store application to pay for goods kiosks that have access to the retailers on a mobile handset while in full product offering and stock levels so a physical retail outlet. 64% of that most out- of-stock scenarios are avoided survey respondents believe that mobile Staples and a number of other large omni-channel self-checkout apps will help create a seamless retailers use this approach to great effect. shopping experience, especially from the largest retailers in the next 2-3 years SPONSORED BY wirecard ww.edgardunn.comEdgarDunn&coMpany4 Advanced Payments Report 2016 Edgar, Dunn company The future of payments for online commerce 2% Fraud will remain a top concern for online commerce The use of social media by businesses will continue to 88% increase for marketing and communication purposes More people will shop using apps as well as make 88% payments inside the apps Security concerns may further drive consumer adoption of 67% digital wallets Social media platforms will capture a larger share of the 51% online commerce spending 0%10%20%30%40%50%60%70%80%90%100% Post-purchase ensuring that the pricing is competitive against physical Many pre-omni-channel retailers did not have centralised book store competitors as well as online retailers payment management systems; i. e. they had separate Amazon recently filed for a patent for a physical retail ordering platforms, sales reconciliation systems and store in which consumers could purchase items(books payment service providers for each channel. Processing a or potentially an extended range of products that are refund in-store of goods purchased online was therefore available) simply by lifting them from the shelf and exiting a challenge if both channels had different merchant the store. Although it is not yet known how the consumer acquirers and sales reconciliation platforms were located making the purchase would be identified, once they have in different countries been identified in-store and made their way through the However, omni-channel retailers are now benefitting from transition zone'(check-out) with their selected item, a consolidation of service providers and are selecting the item would be identified through an RFiD tag and those that provide integrated back-office solutions registered as sold. The consumer would then receive an combining the ordering, payment and reconciliation mail notification from ar that the purchase ha functions into a single platform been logged in their Amazon account, and that payment has been processed using their preferred payment method The Amazon book store The patent for this approach is still pending but it would Amazon opened its first physical retail store in Seattle, be an interesting development for a retailer to introduce USA, at the end of 2015 and has introduced some exiting a retail location with a product as a payment innovative policies there that place it firmly within the authorisation from the consumer blurred boundary of where physical retail meets the online environment Proliferation of digital payments options The amazon book store is stocked with books that have been selected using Amazon's recommendations According to eMarketer, retail e-commerce sales are algorithms, so that post-purchase feedback from other expected to reach $1.9 trillion in 2016 and consumers are expecting an ever-smoother payment process. while consumers is put to good use. Consumers can scan book barcodes at a kiosk or use their amazon apps to payment cards are commonly used for digital payments in some markets, there are hundreds of payment methods price check potential purchases or to read customer reviews. Webrooming is therefore actively encouraged worldwide, and many seek to bypass the card rails using and consumers can get dynamic pricing based upon alternative forms such as online bank transfers, mobile the current price of the book in Amazons online store, carrier billing and virtual currencies. SPONSORED BY 15Edgar,Dunn&Companyiwww.edgardunn.com wirecard Edgar, dunn Advanced Payments Report 2016 Social commerce and buy buttons on social media and 5% on shopping. The integration Any business without a social media presence in 2016 of these two activities by the tech giants would enable is certainly lagging and 89% of our respondents believe them to share a portion of the trillions of dollars to be that the use of social media platforms by businesses will spent online in the coming years, as well as increasing the continue to increase for marketing and communication. inherent value of their ads However, only 51% think that these same platforms will capture a larger share of the online commerce spending In-app payments Facebook, the leading social network is looking to do just that by transforming its 'pages'for businesses from a 88% of our respondents believe that more people will place to grab business information and interact, to a place shop using apps in the future as well as make payments to buy. If successful, Facebook could become a social inside the apps. According to a 2014 consumer behaviour network filled with mini shopping websites or ' pages survey by Forrester, consumers spend 85% of their time on smartphones in apps so the opportunity for in-app Buy buttons"look set to be the key facilitators for thi payments is significant. integration, Developed only a few years ago, they already have made significant inroads in 2015. Buy buttons Uber is gaining popularity with its streamlined ordering enable consumers to buy directly within a webpage or and seamless payment process in which the payment card app without having to leave the site. Google, Twitter and is registered initially, sometimes with a simple photo, and Facebook are running trials with them and Pay Pals first then automatically charged after delivery of the service. acquisition as an independent company was Modest, a Apps like Uber have revolutionised the way we order and start-up that develops them. pay for taxis, and the model continues to gain traction in other on-demand industries. Apps such as Delivery Hero interest is a visual dis covery app, where consumers (Germany)and Deliveroo (UK) are reshaping the takeaway can explore anything from clothes to furniture. It business, while Washio(US)and Laundrapp (UK)target launched buy buttons or "buyable pins"in mid-2015 and the laundry business. The rising success of these apps is considered the perfect social network for proves the value consumers place on convenience, social commerce. Shopify's 2015 survey of which in-app payment is a core feature. highlighted that 96% of users go to that site to research a product before buying. While the Digital wallets idea may be great, there are growing mobile are difficulties with 67% of respondents believe At implementation, that online security concerns such as merchants ill drive adoption of digital having to provide wallets. The convenience real-time inventory and recognised security updates. Also a large of these wallets have number ot pins may helped drive their growth, be unobtainable due especially the familiar to no longer stocked brands such as Master Pass, items, which may lead to Visa Checkout(which has ustomer confusion FEODET moved away from the "wallet Google, Twitter, amongst connotation), Pay Pal and Alipay. other social platforms are all Pay Pal parted ways with e Bay, and looking for a way to get a piece the renewed independent focus is of the e-commerce pie and it is not working for the company as total payment surprising to see why. According to Forrester volume grew 27% to $282 billion in 2015. Research, consumers spend 14% of their smartphone time Alipay, set up by Alibaba in 2004 before being spun off SPONSORED BY wirecard www.edgardunn.comiEdgar,Dunn&Company6i Advanced Payments Report 2016 Edgar, dunn company under Ant Financial, processed an estimated $778 billion BD secure continues to be one of the key defences for in 2014. This reported figure, already dwarfing Pay Pals online card payments but the mechanism is dated and 2015 number, is likely to be significantly larger in 2015 as it provides a poor shopping experience, reducing conversion boasts a 65% market share of the Chinese online payments rates and negatively impacting merchant revenues. The market user experience becomes even worse on mobile devices Interestingly, both wallets have seen significant growth with many merchants simply refusing to install it on in mobile with 28% and 65% of transactions initiated via their apps, which could be problematic, as 21% of total mobile device for PayPal and Alipay respectively in 2015. e-commerce in the US in 2016 is expected to be via mobile New ways for securing card payments online are being piloted across the world. Getin Bank in Poland and BPCe in Battling on against fraud France have both launched pilots for cards with dynamic 92% of our survey respondents believe fraud will remain card verification codes(DCvo). The DCvc replaces the a top concern in the future of online commerce. This static three-digit security code on the back of the card concern is well noted when you consider that large with a changeable code that is altered electronically every e-commerce and m-commerce merchants lose 1. 4% and hour. Other methods to tackle fraud involving device 1-7% of revenues respectively to fraud according to the fingerprinting, biometrics, geo locating and behavioural 2015 True Cost of Fraud Study. analytics continue to be developed SPONSORED BY 17Edgar,Dunn&Companyiwww.edgardunn.com wirecard

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