Kontaktløs bekvemmelighed: Et kig på tendenserne, der former betalingsindustrien i 2024

As digital innovations reshape customer expectations around transactions, the payments ecosystem is set for a profound transformation in 2024. Speed, transparency, and integrated mobility characterise the next era of payment experiences – underpinned by ground-breaking developments in contactless technology. Based on emerging advancements within the fintech landscape and shifts in consumer demand and expectation, Traderoot’s Jan Ludik looks at some key trends that will impact the payments industry in 2024.

Kontaktløse betalinger Level Up

Kontaktløse "tap-and-go"-kortbetalinger vandt indpas under pandemien, men ridser stadig overfladen, når vi overvejer antallet af køb globalt, der stadig sker personligt.

The proliferation of near field communication (NFC), radio frequency identification (RFID) and innovative near proximity visibility (NPV) sensors in payment devices, retail terminals and vending machines will drive exponential growth in contactless adoption by consumers and merchants through the year.

Friktionsfri og alligevel sikker: Autentificering af kontaktløse betalinger

Efterhånden som kontaktløse tap-and-go-brugssager spreder sig, bliver det endnu mere afgørende at sikre transaktionernes sikkerhed. Men tilføjelse af autentificeringstrin ødelægger brugeroplevelsen og forbrugernes efterspørgsel efter hastighed og bekvemmelighed.

The solution? Built-in biometrics. Fingerprint, face and iris scanning sensors are already becoming ubiquitous in mobile devices and, as a result, mobile payments and banking platforms. Looking forward, this technology is likely to begin being utilised in payment cards and POS devices, enabling seamless verified user authentication at the point of sale.

"Dette vil bevare bekvemmeligheden ved friktionsfri vandhaner uden at gå på kompromis med sikkerheden," siger Traderoot CEO, Jan Ludik.

Mobile Wallet Renaissance

Siden Apple Pay og Google Pay blev lanceret for næsten et årti siden, er vedtagelsen af ​​mobile wallet-betalinger gået i stå, og det lykkedes ikke at nå den forudsagte allestedsnærværelse. Men i 2024 passer fundamentals perfekt til masseanvendelse af mobil tegnebog.

"Vores data viser, at flere daglige transaktioner skifter til kontaktløse," siger Ludik, "hvilket tyder på, at kunderne begynder at vænne sig til tap-til-betal fra telefoner."

 I mellemtiden begynder tegnebogsudbydere, handlende, PSPS, banker og andre interessenter i industrien at samarbejde på et dybere strategisk niveau for at forbedre integrationen og give attraktive belønninger for brug.

"Tilgangen til åbne banker påvirker filosofier i betalingssektoren," siger Ludik, "og vi ser flere af vores kunder, der tager API-baserede løsninger til at muliggøre integration."

Wearables og tilbehør som betalingskatalysatorer

Et andet aspekt, der driver adoptionen af ​​brug af kontaktløs mobilpung, er fremkomsten og vedtagelsen af ​​betalingsaktiverede wearables og modetilbehør.

“These devices have already had a profound impact in bypassing many adoption hurdles,” explains Ludik. “Smartwatches, rings, bracelets and other devices seamlessly sync to bank accounts and integrate with digital wallets and virtual cards, enabling contactless transactions to happen effortlessly and often unexpectedly by simply passing applicable terminals or sensors. Think about the impact this can have on public transport, retail and other sectors where we no longer have to queue at a bottleneck till-point.”

Gennem 2024 og frem vil normaliseringen af ​​konceptet "passive" betalinger opbygge vaner, der gavner bredere brug af mobilpung og kontaktløse betalinger, og levere større indtægter for PSP'er og forhandlere, der omfavner denne mulighed.

Crypto- og CBDC-kontaktløse fremtid

Blockchain delivers the backend rails for scalable, secure digital transactions, while contactless devices offer a seamless physical interface. The combination of these two technologies is likely to bridge the gap between crypto or Central Bank Digital Coins (CBDCs) and real world usage. Spurring mainstream traction, integrated biometric sensors are likely to erase security concerns around direct P2P crypto transfers via QR codes. Meanwhile, contactless national ID systems synced to government CBDCs could introduce new embedded or automated payment event triggers based on credentials or past transactions.

"Gennem 2024 forventer vi at se en større indførelse af kryptobetaling på- og frakørselspladser," siger Ludik, "såvel som fremkomsten af ​​flere stablecoins, CBDC'er og blockchain-drevne betalingsskinner."

Essentially “invisible” contactless experiences represent the ultimate convenience prizes for payments. Collaboration across fintech stakeholders to deploy elegant, intuitive front-end solutions with progressively advanced backend payment rails will prove imperative to maximise frictionless payments’ full disruptive potential by 2025.

Værktøjerne findes til at forme den næste æra af betalinger," siger Ludik, "men en ansvarlig implementering vil udgøre den største udfordring for både etablerede udbydere og nye disruptorer."

As we stride into this transformative era of payments, the fusion of innovation and responsibility will be the hallmark of success. Navigating the landscape with foresight, collaboration, and a commitment to security will be essential for both established players and up-and-coming disruptors. As we harness the tools at our disposal, let us remember that the ultimate goal is to enhance the lives of consumers while driving the evolution of commerce. Together, we hold the power to shape a future where seamless, secure, and inclusive payment experiences are the new norm.

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• Kilde: https://www.finextra.com/blogposting/25724/contactless-convenience-a-look-at-the-trends-shaping-the-payments-industry-in-2024?utm_medium=rssfinextra&utm_source=finextrablogs