Mobile Payments “ganzheitlich” betrachtet

Von Ralf Keuper

Die Dinge “ganzheitlich” zu betrachten, ist seit längerem in Mode. Leider nur entzieht sich das “Ganze” unseren Blicken bzw. all unseren Versuchen, seiner habhaft zu werden. Bestenfalls läuft das auf einen Holistischen Reduktionismus hinaus. Der amerikanische Physiker P.W. Anderson prägte für dieses Dilemma den Satz: More Is Different. Daher, so der dänische Wissenschaftsjournalist Tor Norretranders, sei in Sachen Ganzheit Zurückhaltung geboten:

Ein besonnenerer Standpunkt wäre, dass sich die Welt überhaupt nicht verstehen, wohl aber beschreiben lässt. Die Beschreibung aber muss sich darauf besinnen, dass sie eine Beschreibung ist, dass also etwas fehlt und dass Information aussortiert worden ist. Sie muss sich darauf besinnen, dass sie nicht das Gelände, sondern eine Karte ist. (in: Spüre die Welt. Die Wissenschaft vom Bewusstsein).

Warum dieser Ausflug? Er scheint mir deshalb nötig, da auch im Banking immer wieder Versuche (auch von mir) unternommen werden, das Ganze zu erläutern und auf die Einzelteile herunterzubrechen, wie aktuell der alles in allem informative Beitrag Viewing mobile payments strategy holistically. Darin stellt die Autorin Zilvinas Bareisis fest:

The answer is that banks have to view their mobile payments strategy holistically. Apple Pay, good as it is, is only available for the latest iOS devices, and only for in-store and in-app payments. Android ecosystem offers more choice: Android Pay, Samsung Pay, HCE and SIM for NFC, but what about P2P and other payments?

So weit, so gut. Nur was bedeutet hier “Holistisch” bzw. “Ganzheitlich”?  Lässt sich das Thema ausschließlich auf der Ebene der Betriebssysteme abhandeln und damit auf die Frage reduzieren iOS oder Android? Siche…

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