Los sistemas de cobro virtual están experimentando un importante auge en los últimos tiempos, con previsiones de que sus distintas aplicaciones vean ampliado el volumen de dinero que se mueve a través de las distintas herramientas. Los últimos datos de Juniper Research avalan esta tendencia. La firma de análisis prevé que el año se cierre con un aumento del 40% en el dinero que se gasta a través de monederos digitales, hasta un total de 790.000 millonesde dólares.
Estas estimaciones abarcan únicamente a las regiones de Europa y Norteamérica, con los pagos en la propia tienda como principal impulsor del incremento en el volumen de negocio. Tendrán un papel especial las soluciones de pago móvil sin contacto, que conseguirán más que duplicar las cifras de dinero que circula a través de ellas. Sin embargo, el pago en ‘eRetail’ a través de las carteras digitales se mantiene como el mayor contribuyente al gasto de los consumidores.
En este escenario, Juniper destaca la relevancia de las asociaciones de los proveedores de billeteras digitales con bancos líderes para maximizar el alcance entre los consumidores, un terreno en el que Apple lleva la delantera. En 7 de los 10 mercados nacionales evaluados, la desarrolladora de la herramienta Apple Pay se ha situado como la que tiene la mayor proporción de consumidores bancarios.
La solución de la marca de Cupertino es también una de las tres que han registrado una ampliación significativa de su disponibilidad en sitios web, junto con Amazon Pay y Visa Checkout. Quedan lejos, eso sí, del despliegue con el que cuenta PayPal.
La investigación de Juniper no muestra, sin embargo, el mismo optimismo sobre las perspectivas de los monederos basados en wearables, que aún dependen del smartphone y, por tanto, tendrán un papel reducido.
El estudio refuerza las previsiones de la firma de análisis de un incremento significativo de los pagos sociales a través de billeteras, que experimentarán un importante desarrollo este año. Las transacciones entre usuarios de dentro de un mismo país supondrán el 80% de todas las transferencias nacionales dentro de cinco años, cuando se estima que el volumen de dinero que se mueve por esta vía sea de 203.000 millones en 2024.
Fuente: https://www.ciospain.es
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