http___psmmag.com_haber_apple-pay-odeme-dunyasinda-ucusa-gecti_637848_1.xml
1.1 2.1 2.2 3.1 4.1 5.1 5.2 6.1 6.2 6.3 6.4 6.5 7.1 8.1 8.2 8.3 8.4 9.1 9.2 9.3 9.4 10.1 11.1 12.1 12.2 13.1 13.2 13.3 14.1 15.1 16.1 16.2 16.3 17.1 17.2 18.1 19.1 19.2 19.3 20.1 20.2 21.1 21.2 21.3 21.4 21.5
Paying on the go: will Apple Pay pave the way for mobile payments? Lately, it seems like there’s a new mobile payment method being unveiled to the public at least once a week. From Apple Pay, to Google Wallet, to the upcoming Facebook mobile payment service, everyone is suddenly dying to handle your money…well, more than usual. So we thought we’d take a look at what each new payment service offers and what the company behind it stands to gain if it’s successful. Payments are big business Any time you spend money, someone stands to make a commission. Whether that commission is charged by your credit card company, by an online or mobile payments service or by your bank which may charge you for wire transfers or even cash withdrawals, payments are very rarely free. To the average consumer, these fees are almost invisible, because usually it is the business that accepts our payment that absorbs the cost. And when we are the ones to pay the commission, it is so negligible that we rarely pay attention. However, all these small commissions add up to BIG business. A major global credit card company like Visa processes around 60 billion transactions with a total volume of around $4.5 trillion, and in 2012 made over $10 billion in revenue. It’s no wonder that mobile payment companies are dying to get a piece of payment pie. New market, new opportunities Mobile payments is a relatively new and undeveloped market, with a lot of growth potential. In 2012 mobile payments accounted for only $163.1 billion in transaction volume, less than a 20th of transactions made through Visa alone. However, companies and investors see the growth potential, and indeed in 2013 that number went up drastically to $235.4 billion. Just look at the rise of the percentage of global transactions made through mobile payments: The main challenge in the way of mobile payments has been low consumer adoption rates. Consumers are naturally wary of changing the way they handle their money because they don’t trust new technologies to be as secure as the ones they’re used to. However, mobile payments have a lot to offer. Besides the convenience of swiping your phone instead of rummaging in your wallet for your credit card, mobile payments have the potential to be much safer than magnetic strip credit cards, which have virtually no security blocks to stop any thief from using them. And when it comes to mainstream adoption, Apple‘s brand power may just what mobile payments need. Apple breaking through You may not have any interest in mobile payments, but if you’ve purchased an iPhone 6, Apple’s new mobile payment app, Apple Pay, is already sitting snugly in your phone. And not only that, but major retailers, such as WholeFoods, McDonald’s and Toys R’ Us are getting on board the Apple Pay train, accepting Apple Pay payments at their stores. Based on wireless NFC technology, Apple Pay doesn’t transmit your credit card number. Instead it sends out a payment “token” so the retailer never actually sees your credit card details. Consumers seem to love the security and simplicity of using Apple Pay, and that coupled with Apple’s mass brand appeal is giving a boost to the entire mobile payments industry. If Apple can convert its elite user base to mobile payment users, they in turn will influence their peers to also switch to paying with their phones, which is great news for all the other mobile payment services out there. Google Wallet While Apple Pay has just emerged on the scene, Google Wallet has been around since 2011. However, the impact of Google’s digital payment service has been minimal. Despite featuring on most Android phones, and being the exclusive method for purchasing media on the Google Play store, Google never seemed to push for its mobile payment service to go mainstream, even though it has similar NFC capabilities as Apple Pay. Now that Apple has proven that consumers are willing to change their payment behavior if given a slight nudge in the right direction, Google may seize the opportunity to put the spotlight on Google Wallet. However, currently this seems unlikely, in light of Google’s recent announcement that the company will be pulling the Wallet API from third party digital retailers by March 2015. It may seem strange to see Facebook entering the mobile payments market, but if you think about it, it’s just another way that Facebook’s massive user base can be tapped into for financial reward. A recent hack into the Facebook mobile app revealed that the app already had payment transaction functionality that simply has yet to be turned on. Unlike Apple Pay or Google Wallet, Facebook will be focusing on peer to peer money transfers via its messenger service, encroaching on PayPal territory, rather than the consumer-retailer payments market. With PayPal set to split up from its parents company eBay, Facebook’s new mobile payment service may prove to be a real challenge for the company in the near future. Facebook too can stand to benefit from Apple’s influence on the popularization of mobile payments. As consumers get more familiar with mobile payments, they will also get more comfortable with transferring money to peers via the same medium. Which mobile payment service will come out on top? You decide! Note: Past performance is not an indication of future results. This post is not investment advice. CFD trading bears risk to your capital.
1.1 3.1 4.1 5.1 6.1 7.1 8.1 9.1 10.1 11.1
Apple Pay ödeme dünyasında uçuşa geçti Apple'ın mobil ödeme servisi Apple Pay'in merak edilen performansı ortaya çıktı Apple'ın ödeme sistemlerine yeni bakış açısı getirdiği Apple Pay mobil ödeme servisi, bir süredir tüketiciler tarafından kullanılıyor. MasterCard ve Visa gibi önemli işbirliklerine imza atan Apple Pay’in performansı finans ve teknoloji dünyası tarafından merak ediliyordu. Bu merak fazla uzun sürmedi ve Apple Pay'in hizmete girdiğinden beri geçen üç haftadaki karnesi ortaya çıktı. Apple Pay ile ödeme kabul eden firmalardan Whole Foods üç hafta içinde toplam 150 bin ödemenin iPhone'lar ile yapıldığını rapor etti. Bu aslında çok büyük bir rakam değil. Dolayısıyla hayal kırıklığı yaşandığı düşünülebilir. Ancak Apple Pay uyumlu telefonlar henüz yeni yeni piyasaya yayılıyor ve Whole Foods aslında çok yaygın bir şube ağına sahip değil. Daha yaygın şube ağı olan McDonald's ise restoranlarında gerçekleşen tüm mobil ödemelerin yarısının artık Apple Pay ile gerçekleşmeye başladığını bildirdi. Aslında bu oran, Apple'ın mobil ödeme piyasasının yarısını ele geçirdiğinin ispatı gibi okunabilir. Yine de Apple Pay'in uzun vadede hayal edilen ödeme devrimini gerçekleştirip gerçekleştiremeyeceği bilinemiyor ancak umutlar oldukça yüksek. Üye firmaların çoğu Apple Pay sonrasında mobil ödemelerde artış yaşandığının da altını çiziyorlar. Apple Pay ile ödeme kabul eden firmalardan Whole Foods üç hafta içinde toplam 150 bin ödemenin iPhone'lar ile yapıldığını rapor etti. Bu aslında çok büyük bir rakam değil. Dolayısıyla hayal kırıklığı yaşandığı düşünülebilir. Ancak Apple Pay uyumlu telefonlar henüz yeni yeni piyasaya yayılıyor ve Whole Foods aslında çok yaygın bir şube ağına sahip değil. Daha yaygın şube ağı olan McDonald's ise restoranlarında gerçekleşen tüm mobil ödemelerin yarısının artık Apple Pay ile gerçekleşmeye başladığını bildirdi. Aslında bu oran, Apple'ın mobil ödeme piyasasının yarısını ele geçirdiğinin ispatı gibi okunabilir. Yine de Apple Pay'in uzun vadede hayal edilen ödeme devrimini gerçekleştirip gerçekleştiremeyeceği bilinemiyor ancak umutlar oldukça yüksek. Üye firmaların çoğu Apple Pay sonrasında mobil ödemelerde artış yaşandığının da altını çiziyorlar. Yorumlar( Bu habere henüz hiç yorum yapılmamıştır, ilk yorum yapan siz olun! ) Yorum Yaz Yorumunuz editörlerimiz tarafından incelendikten sonra yayınlanacaktır.