Det bliver mobile betalinger, der stormer frem i de kommende år, viser en analyse fra Deutsche Bank. Om fem år vil de udgøre 30-40 pct. af alle betalinger. Betalinger med plastikkort bliver uændrede, mens kontante betalinger falder dramatisk.
Uddrag fra Deutsche Bank:
Fintech companies and smartphones have facilitated banking innovations that could inaugurate a new integrated and dematerialised ecosystem for payments. On the business-to-consumer side, smartphones are making plastic cards obsolete (see our previous piece The end of cash plastic cards). People in advanced countries are gradually adopting smartphone-based payments in the context of each country’s infrastructure.
Eager adoption by millennials and increased digitisation of country infrastructures could diminish the use of plastic cards over the next decade—even as people continue to use humble notes and coins.
Most people we surveyed are not ready to abandon their beautiful leather wallets, but most of them also believe that digital wallets are more than a fad. Most plan to use a smartphone wallet more in the next six months, and most believe that digital wallets will replace traditional wallets within the next five years.
This trend opens outstanding opportunities for brands, retailers, and, on a broader scale, any business selling directly to consumers. Digital wallets can allow businesses to better know, interact with, and personalise products for their customers. Personalisation enables companies to stand out in the field and gain market share. This is particularly the case with millennials who surveys show see smaller, custom brands as offering better quality products. Looking forward to 2025, we expect e-Wallets to be the secondmost preferred method of payments after cards and the most preferred method among millennials.
