Meet the future of electronic payment and e-commerce
Technology has become one of the guiding principles of the current corporate scenario. This is demonstrated by the exponential growth of e-commerce and electronic means of payment.
In this context, the way we do business has changed and so too the mechanisms of interaction between companies, customers and financial institutions.
All business owners are obliged to adapt their processes to new technological trends if they want to capitalise on contextual opportunities and transcend in a highly competitive world.
As for electronic payment, there is data that predicts a more intense use of credit and debit cards as a transactional instrument. The proliferation of tools like Point of Sale (POS) and Mobile Points of Sales (mPOS, POS Phones) being examples, especially in the segment of small and medium enterprises (SMEs).
Analysts have shown particular interest in mPOS, as they are an evolved form of TPV and allow businesses to run their operations through a smartphone or tablet.
This gives them an important cost reduction, dissociation of physical space and openness to a growing market for cardholders, whose activity has increased over the past eight years. Basically transactions will be made at any time and place.
But these are not all expectations for electronic payment methods. Technology and finance specialists point out that in the short term, contactless payment systems without physical-card-reading contact and Near Field Communication (NFC, Near Field Communication) will be consolidated, with which they interact directly with a terminal NFC and a smartphone.
Electronic means of payment and electronic commerce have maintained a positive trend in recent years. In the immediate future of e-commerce, the growth was in double digits, but this continued development will depend essentially on three factors: first, that businesses and users give greater certainty about their online transactions; two, that the acceptance of debit cards in digital operations is maintained and three; that companies develop and promote friendly and efficient applications for mobile use.