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For many years, people have successfully used credit cards both to pay for purchases in physical stores and to trade online. Recently, however, shoppers have been looking for an opportunity to pay for their purchases in one click, by registering on the site or by pressing a button on their mobile phone. In these cases, customers use e-wallets that are linked to the user's bank account (including a credit, debit or prepaid card), quickly identify the payer and allow them to quickly make purchases from any mobile device. What properties should an electronic wallet have in order to attract a large number of users? Five main characteristics were presented by one of the leading international payment systems MasterCard.
1. Safety and reliability.
Of course, every person first of all cares about the safety of their funds when performing any transactions, especially on the Internet. The most reliable e-wallets have several levels of protection at every step of the payment process, such as questions for user identification, one-time passwords received in SMS messages, etc.
2. Mobility and the ability to use anywhere.
The use of an e-wallet cannot be limited by place or method. The user should be able to work with a digital payment service on a phone, desktop computer, tablet, both at home and while in the subway, for example.
3. Advanced functionality, in addition to payment options.
Consumers want their e-wallet to do more than withdraw money from their card for a purchase they make. The ideal e-wallet should do the day-to-day tasks - paying bills, recharging your mobile, purchasing discount coupons, or transferring money to a friend.
4. Support for a variety of bonus programs.
When using credit cards to pay for purchases, users often receive various bonuses, such as points in hotels or miles from airlines. Users want to see a similar option in an electronic wallet, but today not all digital payment providers can offer such an opportunity.
5. Simplicity and ease of use.
Finally, no instructions should be included with the e-wallet. It should be intuitive and easy to use while providing a wide range of features.
1. Safety and reliability.
Of course, every person first of all cares about the safety of their funds when performing any transactions, especially on the Internet. The most reliable e-wallets have several levels of protection at every step of the payment process, such as questions for user identification, one-time passwords received in SMS messages, etc.
2. Mobility and the ability to use anywhere.
The use of an e-wallet cannot be limited by place or method. The user should be able to work with a digital payment service on a phone, desktop computer, tablet, both at home and while in the subway, for example.
3. Advanced functionality, in addition to payment options.
Consumers want their e-wallet to do more than withdraw money from their card for a purchase they make. The ideal e-wallet should do the day-to-day tasks - paying bills, recharging your mobile, purchasing discount coupons, or transferring money to a friend.
4. Support for a variety of bonus programs.
When using credit cards to pay for purchases, users often receive various bonuses, such as points in hotels or miles from airlines. Users want to see a similar option in an electronic wallet, but today not all digital payment providers can offer such an opportunity.
5. Simplicity and ease of use.
Finally, no instructions should be included with the e-wallet. It should be intuitive and easy to use while providing a wide range of features.