Fem ting, vi kunne lide ved betalinger i 2023 – FinTech stiger

Much of my knowledge of payments comes from my daily experience. Like many consumers, I want things that work without me thinking about them. This year, I’m very much down with the increasing prevalence of contactless cards and anything that integrates digital wallets (cards on my phone) with POS and web payments. My list includes payment systems that reduced friction in the process, plus a wild ride into the dark side of the payments business.

1 Kontaktløse betalinger. I never especially adopted mobile payments, for instance, because I found using my phone was harder than cash or a card. I wait impatiently for people to scan their mobiles when a tap of the card is so much faster. Contactless payments aren’t new, but I noticed a lot more POS devices supported them this year. I imagine card transactions have increased as a result, especially given the card advertising I’ve seen.

2 Penge Mænd. Dette er en bog, ikke en betalingsmekanisme, men den ligger til grund for det primære problem med betalinger: svindel. Penge Mænd is Financial Times reporter Dan McCrumbs kronik af hans efterforskningsrapportering om Wirecard-svindel, en historie, der fortsætter. Det er et fantastisk garn om kompleksiteten af ​​betalinger, og hvordan det dækkede over økonomisk bedrag og international spionage. "Kompleksiteten var en del af snyden," sagde han. "De gemte sig bag det." McCumb holdt keynoten på Midwest Acquirers Association-konferencen i 2023. Se Netflix-dramaet, "Skandal! Bringing Down Wirecard," for en smag af det.

3 Uniqlo Check Out. Jeg har brugt deres betalingssystem flere gange i løbet af de sidste par år, hvilket stadig overrasker mig. Du smider dine varer i en skraldespand og ser totalen på POS-enheden, alt gennem individuelle RF-tags på hver ting, du køber. Wall Street Journal kaldte det "Selv-Checkout-begivenhedshaderne vil elske."

4 Mobile POS/Scan to Pay. These are not new technologies, either. I first experienced them on a trip to Europe maybe a decade ago. One of the farmers at the market I frequent started using mobile POS several years ago. This year I increasingly saw both mobile POS and QR-based scan to pay at the table in restaurants, including a large device that the Chili’s server put on the table and left. All very convenient, especially the Chicago parking lot where you an scan the code and walk to your car to enter the license plate on the page.

5 FedNow-lancering. It was a major milestone for the United States Federal Reserve to launch a new payment system following the rollout of ACH in 1976. FedNow reports more than 300 finansielle institutioner signed on at year-end. Many of the same dynamics of a public institution competing with private banks remain, and the shift to instant payment settlement could make it less expensive for consumers to pay. Our overview on faster payments, including U.S. options for instant payments, is available in our executive technology brief, Hurtigere betalinger for hurtigere tider.

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• Kilde: https://fintechrising.co/five-things-i-liked-about-payments-in-2023/