{"id":7459,"date":"2021-02-25T10:27:38","date_gmt":"2021-02-25T09:27:38","guid":{"rendered":"https:\/\/panini.gbsweb.online\/blog\/paying-with-your-phone-2-0\/"},"modified":"2024-02-19T18:10:13","modified_gmt":"2024-02-19T17:10:13","slug":"paying-with-your-phone-2-0","status":"publish","type":"post","link":"https:\/\/www.panini.com\/com\/blog\/paying-with-your-phone-2-0\/","title":{"rendered":"Paying with your phone 2.0"},"content":{"rendered":"

Well here I am revisiting my payment habits once again, and looking back at the opinions I expressed in the recent past.<\/p>\n

In early 2017,\u00a0I reviewed an e-wallet called Satispay<\/a>\u00a0whose adoption rate was growing in Northern Italy, but whose use among the people I knew was still marginal. This was possibly due to a fairly burdensome payment process, with a resulting user experience far from convenient for the payer, compared to using a card or even cash. Apparently I was not alone: here\u2019s a\u00a02017 payments blog post<\/a>\u00a0placing Digital Wallets right in the middle of the so-called\u00a0trough of disillusionment<\/em>, described as \u201cthe toughest phase for a technology to be in, where only a small fraction of the market have adopted the technology (the early adopters), implementations don\u2019t meet the mark, and many makers tumble and fall\u201d. My post concluded by noting that only three of my phone contacts were enrolled in Satispay at the time of writing, making it virtually useless as a peer-to-peer payments (or reimbursement) method.<\/p>\n

Today I have\u00a0almost one hundred<\/em>. True that my contacts list has inflated in the meantime, but the app users list growth rate has been truly impressive. What has changed in the meantime?<\/p>\n

First of all, Satispay is now literally everywhere, where I live. It\u2019s easier to find a store where you can use it than a store where you cannot; and many of these offer promotions which give you 5, 10, even 15% cashback, which becomes attractive once you enter the habit of using the app.<\/p>\n

Second point, the efforts to make it a bit more convenient to use: on most phones you can use touch ID instead of entering your PIN, many stores display a QR code next to the cash desk, which you can zap to link the app to the store, vs. looking the store up in the app itself. You still need to enter the amount manually though, and I\u2019m not sure there will ever be a shortcut for that.<\/p>\n

Third, and most important, you can now use the app for a bunch of things. You can top-up a phone account, pay a postal bill (bollettino postale) with a lower commission than a post office and no need to stand in line, you can tackle your road tax and other taxes in no time, and, more and more, you can even use Satispay online. And as the community grows, it becomes increasingly easier to use the app instead of cash (or check) when you need to transfer small amounts of money C2C. So well beyond working as a payments app you use in stores, it has become a kind of\u00a0mini-payments hub<\/em>, more convenient than other methods when handling specific types of payments and operations. My congrats to the startup\u2019s team \u2013 guess they have proven me wrong, and it\u2019s a good thing.<\/p>\n

In a mid-2019 blog post, instead, I applauded to the convenience of the contactless card\u00a0\u2013 going as far as calling it \u201cthe end game\u201d, i.e. the most convenient method for everyday payments, period \u2013 as long as you decided to keep paying power off your mobile device \u2013 which I had labelled as a potentially critical\u00a0single point of failure<\/em>.<\/p>\n

And what if you decide to tear down that fence? Then the convenience of your \u201ctap & pay\u201d process can go straight to your phone \u2013 just load your card in ApplePay or an equivalent, and you will start tapping your phone instead of your card. With promotions and cashbacks linked to specific cards, putting the card on a payment app is a very straightforward way to virtually duplicate the card and let various family members grab those benefits.<\/p>\n

So today, eventually, I do pay with my smartphone quite often, whether the payment is linked to my bank account (as Satispay is) or to a card; and I do see people around me increasingly doing the same, although I won\u2019t go as far as predicting the disappearance of cards or cash as some commentators do, when even the \u201cold\u201d paper check is surviving well beyond expectations.<\/p>\n

I\u2019d be curious to learn about others\u2019 experience and the feelings they generate. For example, I know WeChat pay and AliPay are already universal in China, but I\u2019m sure that in other economies such as Europe or the Americas there\u2019s a competition in progress between innovation and tradition, and it\u2019s interesting not only to follow general trends, but also to capture individual user perspectives.<\/p>\n

Francesco Grasso
\nDirector of Marketing – Panini<\/p>\n","protected":false},"excerpt":{"rendered":"

Many people now use their mobile devices to make payments for goods and services. How has the practice evolved since its initial inception?<\/p>\n","protected":false},"author":1,"featured_media":9414,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[23],"tags":[],"acf":[],"yoast_head":"\nPaying with your phone 2.0 - Panini<\/title>\n<meta name=\"description\" content=\"Find out everything you need to know about "Paying with your phone 2.0" directly on Panini's website blog. 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