Mobile Payment: Zurückhaltung bei deutschen Händlern

von | 2018-01-04T14:06:09+00:00 13.05.2014|Allgemein, Payment|Kommentare deaktiviert für Mobile Payment: Zurückhaltung bei deutschen Händlern
Der Handel in Deutschland ist weiterhin zurückhaltend gegenüber dem mobilen kontaktlosen Bezahlen. Dies geht aus der aktuellen Studie des EHI Retail Institutes mit dem Titel „Kartengestützte Zahlungssysteme im Einzelhandel 2014“ hervor, die jüngst auf dem EHI Kartenkongress in Bonn vorgestellt wurde. Demnach hat erst ein Viertel der großen Händler eine Bezahllösung über die Near Field Communication (NFC) eingeführt. Laut den erhobenen Daten planen etwa 30 Prozent der großen Händler die Einführung eines derartigen Bezahlsystems später vorzunehmen. Überraschend ist, dass 30 Prozent der großen stationären Händler eine derartige Bezahllösung in Zukunft nicht anbieten wollen. Und fast 80 Prozent der mittelständischen Händler gaben sogar an, derzeit keine Planungen zum Einsatz von NFC als Bezahlsystem zu verfolgen. Doch worin liegen die Ursachen für die Zurückhaltung der Händler?

Market for mobile payment still very small

Retention against mobile or non-contact payments is not due to the lack of trust in companies for these payment solutions. According to the study of the EHI Institute, the dealers are open to mobile payment. Almost 80 per cent hold even NFC for the most promising technology in the trade. The current fragility of the market for mobile payment could be seen as the reason for the cautious attitude of many companies. According to data from the study of the EHI Institute, many traders would like to wait until the mobile payment market has consolidated. The main focus is on contactless payment with NFC, solutions based on QR codes or mobile wallets.

Dealers do not see themselves in an influencing position

According to the study by the EHI Institute, another reason for the restraint is that traders are not in a position to influence developments in mobile payment. About 45 percent of the traders assume that the customer will most likely have the say, as long as a corresponding trust in these payment procedures can be established. Similarly, many traders have indicated that they see banks as a pioneer in the positioning of mobile payments. Only about a fifth of the large and medium-sized retailer sees the leadership role among Internet companies such as Apple and Google or credit card companies. And only 12 percent of traders believe that trading will have a major impact on the development of mobile payments.

Payment with NFC is clearly ahead of QR codes

As far as the distribution of payment solutions in mobile payments is concerned, the contactless payment via NFC has been clear before the QR codes and other technologies. According to the EHI Institute, four-fifths of the retailers consider it to be the most promising technology. QR codes, on which PayPal puts, 50 per cent of dealers consider promising. The new Bluetooth low-energy technology (BLE) is considered by a quarter of dealers to be promising. In addition to NFC and the QR codes, it is the mobile wallets developed by credit card companies, telecommunication companies, Google or Apple, which give traders a good chance in the market of contactless payment.

von | 2018-01-04T14:06:09+00:00 13.05.2014|Allgemein, Payment|Kommentare deaktiviert für Mobile Payment: Zurückhaltung bei deutschen Händlern

Über den Autor:

Holger Bosk

Holger Bosk ist CTO der Novalnet AG. Er verfügt über langjährige Erfahrungen im Payment-Sektor.