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- E‑Commerce, Digital Media und Banking rücken (noch) enger zusammen
- Warum es Apple um mehr als “nur” den Bezahlvorgang geht
- Mobile Payments ohne Banken
- Verdrängt Apple Pay die Banken aus dem Blickfeld der Kunden?
Are we ready for a radical change in what is offered to consumers, how it is offered and who offers it from a financial services perspective? The industry is at the cusp of considering the possibility of such a change. It is radical in that it can redefine the nature of banking and payments. The ecosystem as we know it today will undergo a massive transformation. A new set of players will evolve over time and displace of many of today’s industry leaders along with many of the industry suppliers.
In summary, innovation in commerce and new accounting approaches offers the banking and payments business a new way forward in terms of new revenue opportunities for the next generation in ways that no one could have ever imaged. The industry’s experience with Bitcoin yielded a far greater diamond in the rough, Blockchain. A secure shared ledger that is constantly being replicated every time something changes is a simple idea with far reaching impacts on the banking, payments and securities businesses. The road to broad adoption of new low cost payment networks and virtual currencies is a long one. One thing is for sure and that is the traditional payments value chain is poised for substantial change.
Beim mobilen Bezahlen geht es keineswegs “nur” um die Transaktion. Der Bezahlvorgang ist Bestandteil eines neuen Medienkanals, über den noch sehr viel mehr Angebote lanciert werden können – wie Loyalty-Programme, Personal Finance Management (PFM), Entertainment usw. Das (mobile) Bezahlen ist hier in wichtiger Baustein. Apple reagiert hier wie schon zuvor als erstes Unternehmen auf diesen Medienwandel.