Payment-Trends 2014: Chancen und Herausforderungen im E-Commerce

von | 2018-06-29T08:07:21+00:00 29.01.2014|uncategorized|
Der Online-Handel war und ist einem ständigen Wandel unterworfen. Aber auch künftig werden tief greifende Veränderungen im E-Commerce nicht ausbleiben. Allerdings bringen geänderte Rahmenbedingungen wie die SEPA-Umstellung, Änderungen im Kaufverhalten oder neue Payment-Lösungen nicht nur Herausforderungen mit sich, sondern können durchaus auch Chancen bieten, wenn die Trends erkannt und erfolgreich umgesetzt werden. Im Folgenden werden die Payment-Trends 2014 vorgestellt.

Payment trends: 2014 is characterized by internationalization

One of the most important payment trends in 2014 is the increasing internationalization. In Germany, in addition to stationary commerce, e-commerce has also become established. Many companies also offer their products online, of course. In European online commerce, sales in 2013 increased by 19 percent compared to the previous year, according to the results presented by „Ecommerce Europe“ in the „Europe B2C Ecommerce Report 2013“. The Eastern European countries, above all Russia, and Turkey proved to be the markets with the greatest growth potential. Online retailers should therefore consider expanding their webshop presence beyond the German borders. Internationalization, however, requires some, sometimes extensive, adjustments to the online shop. So it is not enough, To transfer the content into the respective languages ​​and to adapt logistical structures. In addition, country-specific payment methods should also be offered. It is true that in international online commerce, the credit card remains the number one payment. However, each country has its own favorite. While the Germans barely pay with checks, still 12 percent of the French still fall back on this means of payment – and also in the online trade. In Italy, on the other hand, ordered goods are still paid by cash at the post office counter. In view of the complexity of this project, it is recommended to work with a recognized payment institution that integrates the various payment methods into the online shop via an interface. In addition, country-specific payment methods should also be offered. It is true that in the international online commerce the credit card remains the number one payment number. However, each country has its own favorite. While the Germans barely pay with checks, still 12 percent of the French still fall back on this means of payment – and also in the online trade. In Italy, on the other hand, ordered goods are still paid by cash at the post office counter. In view of the complexity of this project, it is recommended to work with a recognized payment institution that integrates the various payment methods into the online shop via an interface. In addition, country-specific payment methods should also be offered. It is true that in international online commerce, the credit card remains the number one currency. However, each country has its own favorite. While the Germans barely pay with checks, still 12 percent of the French still fall back on this means of payment – and also in the online trade. In Italy, on the other hand, ordered goods are still paid by cash at the post office counter. In view of the complexity of this project, it is recommended to work with a recognized payment institution that integrates the various payment methods into the online shop via an interface. It is true that in the international online commerce the credit card remains the number one payment number. However, each country has its own favorite. While the Germans barely pay with checks, still 12 percent of the French still fall back on this means of payment – and also in the online trade. In Italy, on the other hand, ordered goods are still paid by cash at the post office counter. In view of the complexity of this project, it is recommended to work with a recognized payment institution that integrates the various payment methods into the online shop via an interface. It is true that in international online commerce, the credit card remains the number one payment. However, each country has its own favorite. While the Germans barely pay with checks, still 12 percent of the French still fall back on this means of payment – and also in the online trade. In Italy, on the other hand, ordered goods are still paid by cash at the post office counter. In view of the complexity of this project, it is recommended to work with a recognized payment institution that integrates the various payment methods into the online shop via an interface. 12 percent of the French still fall back on this means of payment – and also in the online trade. In Italy, on the other hand, ordered goods are still paid by cash at the post office counter. In view of the complexity of this project, it is recommended to work with a recognized payment institution that integrates the various payment methods into the online shop via an interface. 12 percent of the French still fall back on this means of payment – and also in the online trade. In Italy, on the other hand, ordered goods are still paid by cash at the post office counter. In view of the complexity of this project, it is recommended to work with a recognized payment institution that integrates the various payment methods into the online shop via an interface.

With marketplaces further distribution channels open up

Another payment trend for 2014 is the market model. Not only small online retailers, but increasingly also the big ones in e-commerce are putting on marketplaces and thus opening up additional sales channels. The problem so far was that the operators of such marketplaces moved from a legal point of view into a gray zone when they mediated the money of the customers, intermediately parked on a special account, and ultimately handed over to the provider. However, BaFin has now developed detailed guidelines concerning the transaction management of such platforms. Thus, the market operators must have a license under the Payment Services Supervision Act. Alternatively, transaction processing can take place via a bank. In this case, the bank

Payment trends 2014: Abo-Commerce on the advance

The payment trends 2014 also include the Abo-Commerce. Although subscriptions are for many consumers with a negative image. Currently, subscriptions are gaining in popularity, especially in the cosmetics, clothing and food industry. For online retailers, however, this concept and its efficient management presents a number of challenges. Not only is the control of the subscription required, but also the payment methods must be aligned to the Abo-Commerce. A flexible and complicated administration of subscriptions allows subscription-specific shop systems with an appropriate payment module as offered by payment service providers (PSP).

Mobile payment: High security requirements

The number of Germans who have a smartphone is growing steadily. According to the market research institute Comscore, 33.4 million Germans named their own device in February 2014. In view of this rapid development, it is only obvious to use smartphones also for the payment. Although mobile payment has not yet been able to get through, it can be assumed that the technology will make tremendous progress this year. Not only will start-ups increasingly develop appropriate apps. Payment service providers have already recognized this payment trend and have developed mobile payment solutions. However, it is important in this context that the buyer data is protected according to the PCI DSS data security standard valid worldwide.

Omni-Channel – the fifth payment trend 2014

The trade is constantly evolving towards Omni-Channel. As a result, this is also one of the 2014 payment trends. Customers want to have free choice at the information channels and distribution channels and to use different options in parallel. Some banks, payment institutions and payment service providers have already recognized this trend and linked various payment methods such as debit or credit card, prepaid, direct debit, wallet transfer and transfer so that they are available on all channels.

von | 2018-06-29T08:07:21+00:00 29.01.2014|uncategorized|

Über den Autor:

Gabriel Dixon
Gabriel Dixon ist Gründer und Vorstandsvorsitzender der Novalnet AG. Er verfügt über jahrelange Erfahrungen im Payment-Sektor.
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