wangmayou
@$%%^&@#%!@#$#$^^#$％……＃￥％@#$%￥％……＃￥@#$@#$%@#$%@#＃￥
- 注册
- 2016-01-10
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- 1,356
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- 323
其实就是这样，信用卡是一类的，先花后还。微信支付和bank card现金是一类的，有钱可以花无钱不可以花。
中国的真实状况之一
- 主题发起人 zhangulei
- 开始时间
zhangulei
干部。干是一种美德。
- 注册
- 2018-01-06
- 消息
- 6,841
- 荣誉分数
- 1,320
- 声望点数
- 223
还是转贴，省的有人不知所云。不是我写的，总能看明白不是。
信用卡恐龙。跟当年我夸耀加拿大的座机到处都是不需要手机一样，最后被国内同学贻笑大方。哈哈。依然还觉得可笑。
当然了，座机依然存在。只是近黄昏。信用卡，一样。
Mobile payments to replace cards and cash, but not immediately: report
AUTHOR
Chantal Tode
While the majority of Americans expect payments made via a smartphone will eventually replace credit cards and cash, a new report from Harris Interactive also suggests that the changeover to mobile payments may not be imminent.
Harris Interactive found that 66 percent of Americans believe smartphone payments will eventually replace card payments and 61 percent say the same for cash. However, the survey also found that many consumers are currently not that interested in mobile payments themselves and believe the switch to mobile payments is several years or more off.
“The biggest news for retailers is that the majority of Americans do believe this is coming,” said Regina A. Corso, senior vice president of Harris Poll and Public Relations, New York. “Granted, not overnight or this year, but it’s not the distant future either.
“Also, since the younger consumers are the ones more likely to be using their smartphones already or more likely to head in this direction, retailers may want to look at this as a potential way to market directly to them. You can shop at our store and you do not even need to bring in your wallet – just that one thing you always carry, your phone,” she said.
“What surprised us the most was that a majority do believe that cash and credit cards may be going away. While payments have changed over the years, the fact that three in five Americans believe smartphones will replace cash for a majority of transactions is staggering, especially when you look at the quarter who believe this will happen in less than five years.”
4pc make mobile payment
Key findings include that only four percent of Americans have paid for a purchase via a smartphone and eight percent have witnessed a mobile payment. Responses were stronger for smartphone owners, with seven percent having made a mobile payment and 11 percent having witnessed one.
The survey of 2,383 Americans took place between Nov. 14 and 19.
While there is strong belief that mobile payments are coming eventually, many Americans do not feel that the changeover is imminent, with two percent saying it will happen within the next year, 12 percent in one year to less than three years, 19 percent in three years to less than five years, 19 percent in five years to less than 10 years and 15 percent in ten years or more.
Additionally, few of the consumers surveyed expressed strong interest in replacing their own cash or card transactions with the tap of a smartphone, with 27 percent of Americans and 44 percent of smartphone owners reporting interest in being able to use their smartphone to process in-person payments. Additionally, only eight percent of Americans and 16 percent of smartphone owners are “very interested” in smartphone payments.
Interest stronger for Millennials
However, the survey found that some segments are more interested than others in mobile payments.
By generation, 40 percent of Echo Boomers or Millennials and 34 percent of Gen Xers are interested in mobile payments compared with just 18 percent of Baby Boomers and seven percent of mature consumers.
By gender, 32 percent of men are interested in mobile payments versus 22 percent of women.
Additionally, 38 percent of consumers in households with children are interested in mobile payments compared with 22 percent of consumers in households with none.
No reason to switch
Security is one the main factors discouraging some consumers from engaging in mobile payments.
Among those who indicate being either not very or not at all interested in smartphone payments, 51 percent say they do not want to store sensitive information on their phone. Additionally, 40 percent do not want to transmit sensitive information to a merchant’s device.
Another impediment is smartphone ownership, with 50 percent of those not interested in mobile payments saying it is because they do not use a smartphone.
The results also suggest that mobile payment providers have not given consumers a strong enough reason to use their smartphone to pay for purchases, with 52 percent saying that they do not see any reason to switch from card payments or cash.
Some of the initiatives to better integrate smartphones into consumers’ payments habits are not being met with significant interest, with 28 percent of Americans and 40 percent of smartphone owners saying that being able to take advantage of their existing credit card rewards programs would make them more interested in mobile payments. However, only 9 percent of Americans and 15 percent of smartphone owners say they would be much more interested.
Additionally, only 30 percent of Americans and 43 percent of smartphone owners would be more interested in mobile payments if they were able to use their smartphones as a digital wallet with electronic versions of their identifications, loyalty program cards and other documentation normally carried in a wallet. Far fewer – 8 percent of Americans and 12 percent of smartphone owners – would be much more interested.
The results suggest that the mobile payment industry still needs to find a strong reason for Americans to change how they will pay for purchases going forward. This means paying attention to how Americans pay now and looking for a need that they can address.
“I don’t retailers must act now, but they must be preparing to act,” Ms. Corso said.
“I don’t know what the mechanics behind this transition will need to be, but I’m guessing it’s not as easy as flipping a switch, especially for a larger retailer,” she said.
“If they aren’t already in at least the early planning stages, other retailers who are will beat them to this and, may win over shoppers who are ready to make their lives both cashless and credit cardless.”
信用卡恐龙。跟当年我夸耀加拿大的座机到处都是不需要手机一样，最后被国内同学贻笑大方。哈哈。依然还觉得可笑。
当然了，座机依然存在。只是近黄昏。信用卡，一样。
Mobile payments to replace cards and cash, but not immediately: report
AUTHOR
Chantal Tode
While the majority of Americans expect payments made via a smartphone will eventually replace credit cards and cash, a new report from Harris Interactive also suggests that the changeover to mobile payments may not be imminent.
Harris Interactive found that 66 percent of Americans believe smartphone payments will eventually replace card payments and 61 percent say the same for cash. However, the survey also found that many consumers are currently not that interested in mobile payments themselves and believe the switch to mobile payments is several years or more off.
“The biggest news for retailers is that the majority of Americans do believe this is coming,” said Regina A. Corso, senior vice president of Harris Poll and Public Relations, New York. “Granted, not overnight or this year, but it’s not the distant future either.
“Also, since the younger consumers are the ones more likely to be using their smartphones already or more likely to head in this direction, retailers may want to look at this as a potential way to market directly to them. You can shop at our store and you do not even need to bring in your wallet – just that one thing you always carry, your phone,” she said.
“What surprised us the most was that a majority do believe that cash and credit cards may be going away. While payments have changed over the years, the fact that three in five Americans believe smartphones will replace cash for a majority of transactions is staggering, especially when you look at the quarter who believe this will happen in less than five years.”
4pc make mobile payment
Key findings include that only four percent of Americans have paid for a purchase via a smartphone and eight percent have witnessed a mobile payment. Responses were stronger for smartphone owners, with seven percent having made a mobile payment and 11 percent having witnessed one.
The survey of 2,383 Americans took place between Nov. 14 and 19.
While there is strong belief that mobile payments are coming eventually, many Americans do not feel that the changeover is imminent, with two percent saying it will happen within the next year, 12 percent in one year to less than three years, 19 percent in three years to less than five years, 19 percent in five years to less than 10 years and 15 percent in ten years or more.
Additionally, few of the consumers surveyed expressed strong interest in replacing their own cash or card transactions with the tap of a smartphone, with 27 percent of Americans and 44 percent of smartphone owners reporting interest in being able to use their smartphone to process in-person payments. Additionally, only eight percent of Americans and 16 percent of smartphone owners are “very interested” in smartphone payments.
Interest stronger for Millennials
However, the survey found that some segments are more interested than others in mobile payments.
By generation, 40 percent of Echo Boomers or Millennials and 34 percent of Gen Xers are interested in mobile payments compared with just 18 percent of Baby Boomers and seven percent of mature consumers.
By gender, 32 percent of men are interested in mobile payments versus 22 percent of women.
Additionally, 38 percent of consumers in households with children are interested in mobile payments compared with 22 percent of consumers in households with none.
No reason to switch
Security is one the main factors discouraging some consumers from engaging in mobile payments.
Among those who indicate being either not very or not at all interested in smartphone payments, 51 percent say they do not want to store sensitive information on their phone. Additionally, 40 percent do not want to transmit sensitive information to a merchant’s device.
Another impediment is smartphone ownership, with 50 percent of those not interested in mobile payments saying it is because they do not use a smartphone.
The results also suggest that mobile payment providers have not given consumers a strong enough reason to use their smartphone to pay for purchases, with 52 percent saying that they do not see any reason to switch from card payments or cash.
Some of the initiatives to better integrate smartphones into consumers’ payments habits are not being met with significant interest, with 28 percent of Americans and 40 percent of smartphone owners saying that being able to take advantage of their existing credit card rewards programs would make them more interested in mobile payments. However, only 9 percent of Americans and 15 percent of smartphone owners say they would be much more interested.
Additionally, only 30 percent of Americans and 43 percent of smartphone owners would be more interested in mobile payments if they were able to use their smartphones as a digital wallet with electronic versions of their identifications, loyalty program cards and other documentation normally carried in a wallet. Far fewer – 8 percent of Americans and 12 percent of smartphone owners – would be much more interested.
The results suggest that the mobile payment industry still needs to find a strong reason for Americans to change how they will pay for purchases going forward. This means paying attention to how Americans pay now and looking for a need that they can address.
“I don’t retailers must act now, but they must be preparing to act,” Ms. Corso said.
“I don’t know what the mechanics behind this transition will need to be, but I’m guessing it’s not as easy as flipping a switch, especially for a larger retailer,” she said.
“If they aren’t already in at least the early planning stages, other retailers who are will beat them to this and, may win over shoppers who are ready to make their lives both cashless and credit cardless.”
照出个妖妖
新手上路
- 注册
- 2019-09-17
- 消息
- 594
- 荣誉分数
- 88
- 声望点数
- 38
你智力超群，西方鬼子们没有你的智慧
直到今年，美联储理事会才宣布美联储自己的快速支付系统FedNow将在2023年或2024年投入使用。看似简单，实际是件很复杂的事。只有二马能创这个速度，小扎贝索斯只能看着流口水
最后编辑:
zhangulei
干部。干是一种美德。
- 注册
- 2018-01-06
- 消息
- 6,841
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- 1,320
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- 223
你智力超群，西方鬼子们没有你的智慧
我可没说我智力超群，只是说，相信信用卡返点是赚了大便宜的，脑子不够灵光。
美国迟暮，太多的沉珂，太肥的尾巴，太懒的消费习惯，太贪婪的银行信用卡体系。
仅此而已。
没关系，既然看到移动即时支付手段对经济的3%到5%的润滑作用（节省交易成本哪怕1%，也是巨大的利好）。只希望北美不要继续抱残守缺。学习美联储，想办法逼着贪婪反科技的银行体系向前进。而不是抱着座机，对用手机的说风凉话。
美联储聪明啊。不过2024希望不是太晚。到时候，如果中国将移动支付推广亚非拉欧，美国后悔莫及了。小扎也只能照出个妖妖花谢去。
