Il y a peu de temps encore, le monde du paiement était centré autours des banques et des majeurs des cartes de crédits.
L’arrivée des smartphones a depuis fortement modifié ce paysage en offrant des places pour de nouveaux acteurs, comme par exemple les fournisseurs de téléphonie mobile ou d’autres comme Square, Google Wallet.
Les paiements bénéficient également de nouvelles évolutions technologiques spécifiques et dont la plus évidente aujourd’hui est celle permettant de payer sans-contact. Associée directement à une carte de crédit ou couplée à un téléphone mobile, le sans-contact sera certainement très bientôt incontournable dans ce monde.
Pour mieux comprendre ces changements, le cabinet KPMG a récemment publié une étude qui analyse l’opportunité du mobile dans la chaîne de valeur du paiement et dont vous trouvez les références utiles directement ci-dessous.
Significant Challenges Ahead
In the report, Monetizing Mobile: How Banks are Preserving their Place in the Payment Value Chain, respondents highlighted a number of significant and evolving challenges that are hampering the adoption of mobile payments. More than 70 percent of banking and FS executives cited security concerns as their biggest challenge, an issue that has only been accentuated by a spate of recent high-profile online security breaches.
â€œThe security of transactions on mobile devices is certainly an important consideration, and banks will need to take security very seriously.â€ said Mitch Siegel, a partner with KPMG in the US and co-author of the study. â€œBut adoption will also be driven by demand as consumers increasingly look to use their mobile devices to accomplish everyday tasks such as buying their lunch or paying for a taxi.â€
The survey also revealed that that a lack of technology standards and infrastructure are also posing major barriers to the wide-spread roll-out of mobile payments. And while very few respondents to the survey were willing to categorically endorse any single payment technology, most pointed to the emergence of Near Field Communication (NFC) as the technology with the most promise and ease-of-use for customers.
New Competitors Vie for Market Share
The report also found that many banking executives were becoming acutely aware of the growing risk of competition in the mobile payment arena. Some cited the potential of mobile network operators (MNOs) working with device manufacturers to develop a system independent of the traditional payment infrastructure. Others, however, foretold of an even more serious threat in the form of new market entrants, such as specialist online payment players and online service provider giants.
â€œThere's been a flurry of activity in this space, not only from banks, but also from mobile network operators and other non-traditional and alternative payment providers like Google, Apple and PayPal.â€ said Fred Schneidereit, a partner with KPMG in Germany and a co-author of the study. â€œFor retail banks in particular, a lot is riding on the direction that mobile payments take in the future.â€
Nevertheless, banks are still expected to play a strong role as the mobile payments value chain evolves, according to a large majority of respondents from the technology, telecommunications and retail sectors.