Vatengesi Kurudzira Vashandi Kuti Vashandise Zvokutengesa Zvokutengeserana, Kuendesa Kuwedzera
Mobile inotonga zvinhu zvose mumazuva ano - iyo yekutengesa, kunyanya, ichikurumidza kugadzirisa kusvika kune imwe nzvimbo yezvinofambisa. Matanho ekutengeserana gore rino anonyatsobudisa pachena kuti vatengesi vanopa mikana yakadai sedhefoni yekufambisa uye kubhadhara kunopfurikidza kune avo vanopa tsika dzekubhadhara tsika. Kunyange zvazvo izvi zvaitarisirwa, chimwe chiitiko chinoshamisa chinosvika mberi ndicho chekutengeserana kunopa zvipo zvavo, zvinoshandiswa zvekubhadhara zvinoshandiswa pamasitadhi , sezvinopesana nekushandisa zvikwata zvepasi rose zvakadai seApple Pay, Android Pay nezvimwe zvakadaro.
Nhamba inowedzera yezvokutengesa zvekutengesa iri kupa mazita avo emasikirusi emasikirusi emashamba, ayo anopa zvikurusa zvakanyanya uye kuvimbika kune mibairo kune vatengi, kana zvichienzaniswa nezvikwata zvepasi rose. Sezvo izvi zvibvumirano zvichinyanya kutarisirwa kuti vanzwisise mufambiro wevashumiri zviri nani, vanogonawo kubatsira kushandura mafambiro evarimi nenzira yekubatsira vatengesi kutengesa kutengesa mamwe. Nyanzvi dzinofunga kuti, sezvo Apple Pay uye maitiro akafanana haagoni kupa zviyero zvakakura zvakanyanya zvevashandi, vashandisi pakupedzisira vanosarudza vatengesi vemakwenzi panzvimbo.
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Kubatsira Kwevatengesi
Izvi zvinoshandiswa nevashambadziri vanopa hupfumi hwakawanda; kunyanya kune vatengesi. Zvimwe zvezvikomborero zvikuru zvinotevera:
- Kubudirira kukuru kwevatengesi vemabhizimisi ndeyekuti mabhizimisi anogona kuashandisa kuti vanyatsoongorora maitiro evashandisi , vachipa nenzira yakakodzera yezvikurudzira kune vashandisi. Izvo zvinokonzerwa nehutano hwehutano hunoita kuti vatengesi vakurudzire vatengi kuti vashanyike kakawanda; nokudaro zvinogona kutyaira kutengesa zvimwe.
- Imwe inopindirana yevatengesi vemabhizimisi inobatsira vatengesi kuti vasvike kune vatengi , nokudaro vanzwisise chavari kutsvaga, pakupedzisira vachivabatsira kushandira vashandi-kuguma zviri nani.
- Merchant zvikwama zvemari zvinowanzovakwa pakugadzirwa kwekombiyuta. Izvi zvinoreva kuti vatengi havazodi kuti varambe vachivandudza kana kuvandudza mafaira avo kuitira kuti vashandise zvinhu zvese zviri kuitika. Zvikwata zvepasi rose, kune rumwe rutivi, hazvisi zvakakosha chaizvo kushanda nadzo.
- Distributed teknolojia inowedzerawo vatengesi kusungirirana nedzimwe nzira dzakadai seQR codes ; nokuita kuti zvive nyore nyore kuti vatengi vawane ruzhinji rwemashumiro.
- Vatengesi vemapurisa havanyanyi kukosha kuti vatengesi varambe vachivandudza pfungwa yavo-yekutengesa maitiro. Ichi chinhu chakanyanya kukanganisika munyaya ye universal wallets.
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Vatengesi Vanopa Imari Mobile Mobile
- Starbucks yakanyora basa rayo rekugadzirisa mafaira nekuita kuti vashandi vayo veseti vaise urongwa kure, vhadhare zvakafanana mushure mokunge vangotora zvigaro zvavo sezvavanosvika pane zvakachengetedzwa.
- Uber, imwe yevakakurumbira kugoverana mazano ekugoverana, inopa vashandi vayo seamless uye zvakanaka-integrated mobile payment system.
- Walmart's mobile wallet system inobatsira vashandi kuwana mutengo wakanakisisa wezvigadzirwa zvavo, uye vachirumbidza zvinyorwa zvavo kana imwe shamba ichivapa mutengo wakaderera.
- Target inofungidzirwa kuti iri kugadzira chikwama, iyo ichabatanidzwa muchitoro chayo chekubhadhara chikwereti.
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Universal Wallet vs. Merchant Wallet
Nekukwira kwechimbichimbi mukududzirwa kwevatengesi vemabhizimisi, zvikwata zvevashandi zvepasi rose zvino vava kutanga kunzwisisa kudiwa kwekupa zvakawanda zvinokurudzira kune vatengi vavo. Samsung Pay, somuenzaniso, ikozvino inopa vashandisi $ 30 yechipo kadhi mushure mekunge vapedzisa mavoka avo matatu okutanga kuburikidza nepuratifomu yavo. Aya maitiro anogona kuve akakurumbira pavanotanga kupa mamwe maitiro akadaro kumushandisi. Zvisinei, izvi zvingatora nguva yekutanga kutaridza mhinduro dzakanaka.
Munguva iyi, vatengesi vaizoita zvakanaka kupa zvikwereti zvakawanda uye mibairo kuburikidza nemazita avo emapuratifomu. Uyezve, kubatanidza nhesi iyi nemasarudzo asingakwanisi kubhadhara mafaira achawedzera mukana wavo wekubudirira.
Kuziva kudikanwa kwevamwe vashandisi kuti vadzidze kumadhaka ose evanhu, vatengesi vakawanda vanobatanidza mabasa avo nezvose zvikamu zvakadai se Android Pay, Apple Pay uye Samsung Pay. Kana vachigona kuwana nzira dzekutaura zvakananga nevashandisi nehurongwa hwavo, vanogona kubudirira kuchinja mufambiro wevatengi kuti vashandise mararamiro avo emagetsi, pane kuenda pane imwe nzvimbo.