El sector financiero se está convirtiendo en un firme aliado de la innovación digital, un proceso que se ha canalizado en los últimos tiempos con el auge de las ‘fintech’ y su asociación con los canales más tradicionales. De la aplicación de nuevas tecnologías han surgido herramientas como las carteras digitales, cuya adopción está al alza: sus usuarios aumentarán algo más del 73% en los próximos cinco años y llegarán casi hasta los 4.000 millones en 2024, según un informe de Juniper Research.
Las previsiones de la Organización de las Naciones Unidas estiman que para ese año habrá más de 8.109 millones de habitantes en el planeta, con lo que casi la mitad de la población mundial sería usuaria de este tipo de monederos virtuales. Vinculado al ascenso en la adopción viene un incremento del volumen de las transacciones, explica la firma Juniper en su estudio Digital Wallets: Service Provider Analysis, Market Opportunities & Forecasts 2019-2024. De este modo, calculan que crecerá en un 80% el dinero que se mueve mediante estas aplicaciones, hasta rondar los 9 billones de dólares anuales.
El crecimiento vendrá impulsado por los pagos en línea para compras remotas, analiza el informe, con transacciones realizadas a través de credenciales almacenadas. En algunas regiones, como Estados Unidos, el gasto anual por cada cartera digital casi se duplicará al pasar de los cerca de 3.350 dólares que se desembolsan actualmente a los 6.400 que se prevén en 2024.
Para la firma de análisis, otro de los factores que contribuirá a la adopción masiva de esta herramienta será la mejora en la seguridad de los pagos digitales que supondrá la introducción del estándar SRC de la entidad EMVco para comercio, que acaba de lanzar sus primeras especificaciones en Estados Unidos y que estará disponible en la segunda mitad de este año. Según Business Insider, este sistema tiene el potencial de mejorar de forma drástica el proceso de compra electrónica al estandarizar los procesos en los diversos sites o bancos, de forma similar a cómo el pago con tarjetas físicas es idéntico en distintas tiendas.
En el estudio también se advierte del desafío que supondrá para las carteras basadas en NFC, como los sistemas de pago de Apple y Samsung, el auge de las que emplean códigos QR, aunque en principio se prevé que el principal campo de desarrollo de estas sea Asia.
Fuente: https://www.ciospain.es
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