Tout ce qui va remplacer les bons vieux billets. Billets, pièces, et chèques vont-ils bientôt trôner dans les vitrines des musées ?
Très bientôt, les puces intégrées, les nouvelles applications mobiles et un simple numéro de téléphone permettront en effet de payer ses emplettes aussi bien chez le commerçant que sur internet. En annonçant leur alliance cette semaine, les acteurs du paiement Ingenico et PayPal, le précurseur, entendent donner le tempo de cette révolution. Il faut dire que ces alternatives aux espèces sonnantes et trébuchantes pourraient rapidement rapporter gros. Le modèle de Square est-il applicable en France ? An original perspective on Mobile Payments.
TekFin: technology and financial services. Answer to Square Cash: How does Square Cash work technically. Mobile Wallets / Virtual Wallets. Video Media Archive. Copyright 2012.
Home - PaymentEye. Le paiement mobile. C'est pas mon idée ! Expérience bancaire du futur. Imaginons un instant à quoi pourrait ressembler une banque du futur.
Pas une banque irréaliste d’un lointain futur lorsque que nous vivrons dans l’espace. Plutôt une suite de services financiers qui existent actuellement et qui regroupés ensemble pourraient fournir une expérience bancaire idéale. Le monde bancaire étant globalement un monde de gestion de flux et d’algorithme, Internet semble être l’outil idéal pour l’optimiser et le transformer.
Certes il y a et il y aura toujours des services fournis autour de la finance et le métier de banquier continuera d’exister. Mais la partie immergée de l’Iceberg des services financiers (les back-office, les acteurs du flux (paiement, transfert, ordre d’achat, les fournisseurs de données….) vont fortement évoluer et impacter l’expérience bancaire des clients qu’ils soient des particuliers ou des entreprises. Je suis un particulier Les services à valeur ajoutée de mon banquier se basent sur l’analyse par des algorithmes de mes flux financiers. FriendsClear Prêt participatif pro en France (fondateur), Finthru, ActivityInbox. Which Mobile Payment Service Is Best for Your Business? Editor's note: This post has been updated since first published.
With its recently announced Starbucks partnership, mobile payments start-up Square is aiming to position itself, well, squarely in front of an increasingly long list of competitors. And it may just work: Square can't help but enjoy a higher profile now that it will be processing debit and credit card transactions at 7,000 of the coffee chain's stores.
But the race to determine which tech company will dominate the mobile payment industry is hardly over. Forrester Research predicts mobile payments are still three to five years away from becoming mainstream. In the meantime, here's a rundown of the key mobile payment players vying to get your business, and how their systems stack up. The Pros and Cons of Mobile Payment Services. Apps for accepting customer credit cards on mobile devices such as smartphones and tablets are becoming big business.
Take for instance San Francisco-based mobile payments startup Square, which recently inked a deal with Starbucks to process all of the Seattle coffee giant's credit and debit transactions. And major companies such as PayPal and accounting software provider Intuit have created their own payment apps, too. For small businesses, that means there are more options for simpler credit card processing or an inexpensive point-of-sale system. But from fee structures to device compatibility and support, there are some subtle and not-so-subtle differences between the mobile payment providers that business owners should know about before getting started.
What's Next In Payments. Technology, Trends & Insights. Merchant Account & Credit Card Processing Guide. The Future of Money and Mobile Payments. NFC pioneer Bling Nation suspends mobile payments service. By Sarah Clark • nfcworld.com • Published 13 June 2011, 12:00 • Last updated 13 June 2011, 12:00 Bling Nation, the company behind the first commercial NFC payments system in the US, has suspended service while it seeks to revamp its business model, American Banker reports.
Bling Nation’s technology was specifically designed to reduce payments processing costs for small, local banks and their merchant customers by cutting out middlemen, such as acquirers, processors and brands such as Visa and MasterCard. The company’s technology was designed to be NFC compatible and used contactless stickers and SMS text notifications to get around the then lack of commercially available NFC phones. Bling Nation gained traction quickly with a number of US community banks and consumer adoption also saw swift take up. 62% of customers at the State Bank of La Junta, for instance used their phone to make a purchase in just the first five months. BLING THING: How Bling Nation's local payment system works. MOBILE PAYMENTS: What's Taking So Long, And Who's Going To Win? Square's Starbucks vision: Magical cash-free payments - Aug. 14. Square CEO Jack Dorsey nabbed his biggest customer yet: Starbucks.
NEW YORK (CNNMoney) The entire industry was about to change, he said. Dorsey was in the middle of a major change himself. Recently ousted from Twitter, the company he cofounded, he rebounded by shifting his famously intense focus to a new pain point: the way we pay. Square's pitch -- a simple fee structure and technology that just works -- was a quick hit with small merchants like Third Rail. That was just phase one, it turns out. Square Debuts Monthly Pricing Option For Small Businesses With Zero Swiping Fees. On the heels of announcing a mega-deal with Starbucks, mobile payments processing company Square is announcing another piece of key news—specialized, lower pricing per swipe for small businesses.
Basically, Square is going to offer small businesses who make less than $250,000 per year the option of either paying the set 2.75 percent per swipe or one fixed price per month, at $275 per month, with no charge per swipe. So either small businesses can pay the fixed fee, which all merchants pay using Square, or they can pay a monthly fee for any transactions that fall under $250,000 per year. With $250,000 in transactions, paying $275 per month works out to around 1.3 percent per transaction, which is significantly lower than the current rate of 2.75 percent. If a business goes over $250,000 (and had opted into the monthly swipe fee) then the first dollar after will be charged the standard 2.75 percent rate, and so on. Le modèle de Square est-il applicable en France ? The Mobile Moment is Only Months Away - Preparing For the Biggest Number Ever - Yes That Day Is Near: When One Tech Passes Human Population In Size.
And a brief comment about why me?
Why would some Tomi T Ahonen be telling you this on his Communities Dominate blog? Not because Forbes calls me the most influential expert in mobile, no. Because someone was going to be there, to see it from the start. Someone saw this massive Trillion-dollar industry at its birth. I was not smart enough to invent this industry, and I was not clever enough to get myself into a career where this was happening. And that happened also, obviously in Finland. This is a picture of a young 37 year old Tomi T Ahonen, managing the unit for my employer, Elisa Group what was then the biggest revenue and profit engine in telecoms: International Calls. You will start to see that statistic reported by some analysts eager to grab headlines already towards the end of this year, 2012. Unprecedented, yes. C'est pas mon idée ! NFC Mobile Payment Industry News. Snavski/Mobile Payments - Abonnements...