2011年12月19日 星期一

Mobile payments: can the phone ever replace the plastic?

In the early days of the internet it took a while for consumers to become comfortable with online shopping. Partly it was the risks associated with the product not matching the description or the imagery and expectations of the consumer – especially with subjective decisions around clothing,Dimensional Mailingmagiccubes for Promotional Advertising, food and so on. Another part was the logistical process. When would it be delivered and how?

To a large extent companies like Amazon solved these issues quickly by being focused and offering product and service predictability. But an underlying concern remained for some – customers did not believe it was safe to give credit card details online.

For many this remains an issue today. According to research conducted by Javelin Strategy & Research, the reasons are broader than just the security of handing over your card details.

Over half of the respondents are concerned that the merchant or website will start sending them junk mail or will sell on their personal details to 3rd parties. There are also significant concerns about unauthorized access to personal information stored by the merchant or misuse of credit card information by merchants.

Faced with this are there acceptable alternatives that consumers would prefer?

The answer to this question is a resounding yes – and it's mobile payments. Consumers love them,A true insulator is a material that does not respond to an electric field, according to current research.

For instance, four times as many people would prefer to make a payment from a mobile operator account using their phone than their credit or debit cards online.Find everything you need to know about coldsores including causes,

Also, while the interception of personal information over the air when entered on the phone is a concern for just under a third, over half have similar concerns about the same information being intercepted online.

There might be several reasons for this.Welcome to order chinaprojectorlamp, Some will have direct experience of credit card fraud - whether online or not - and there are increasing numbers of scare stories in the media, such as malware that pretends to be an official source but phishes for financial details.

It is now also apparent that the New Yorker's fanous cartoon tagline – “on the internet no one knows you’re a dog” – might have more than an element of truth to it.

How can you tell from a website whether the company behind it is legitimate or dodgy? For this reason many feel more at home with the big suppliers, such as Play, Amazon and the like, which is certainly unfortunate for new companies attempting to get in on the action.

Since there is apparently greater consumer acceptance,Shop and save on blurayburners, Blu-Ray Burner, perhaps using mobile phones to make payments would appear to be an interesting way to go?

It could be used either as a replacement for entering details online, using the mobile device as a companion, or for paying for purely mobile originated services.

Using mobile phones to make payments is not new but there are new and interesting technologies such as near field communications (NFC) for contactless transfer of payment that aim to make it simpler.

Nonetheless all mechanisms ultimately need some form of backing for the financial transaction – an account that is in credit or can securely offer credit and a secure method of authorization. This means that the mobile phone will only work for payments when it is in the possession of its rightful owner.

沒有留言:

張貼留言