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Not so long ago, mankind alternately went through the stages of mastering a computer, a mobile phone, ATMs and payment terminals. Now is the time when all these devices are combined in one - in the smartphone.By withdrawing funds from it, you can make any payments. Today it is one of the most popular payment methods for the constantly growing number of all kinds of goods and services, as well as money transfers.
Another, but less common, method of paying for goods and services is to send a special SMS message from a personal account on the website of a mobile operator. To do this, you need a special application on your phone.
There are also several other mobile payment models. For example, mobile commerce, carried out by QIWI and MOBI, Near Field Communication (NFC) technology, which is now being actively developed by smartphone manufacturers and banks. NFC is a short-range wireless high-frequency communication technology (up to 3-5 cm) that allows contactless data exchange between mobile phones, smart cards, payment terminals, access control systems and other devices.
Mobile commerce has split into two subtypes: mobile banking (managing bank funds using your phone) and mobile payment (not requiring a bank account).
NFC technology is still at an early stage of development. It combines technologies of contactless identification and wireless communication of devices. It will allow paying for goods and services by bringing a smartphone with NFC technology to a payment terminal. Smartphones with NFC can be used for cashless payments, in public transport, as well as in identification and access control systems. So far, this technology is being introduced to the masses only in the United States and some European countries.
According to analysts, the mobile payments niche holds great promise. After all, the spread of such payments in society will serve as a reason for close cooperation of banks and payment systems with mobile operators, which will increase the loyalty of existing subscribers and, in turn, increase revenue from the sale of services. According to experts of the world leader in the field of consulting, Gartner, in 2021 more than 104 million people worldwide will use mobile payment services, and the total volume of payment transactions made using smartphones will exceed $ 39 billion.
Another, but less common, method of paying for goods and services is to send a special SMS message from a personal account on the website of a mobile operator. To do this, you need a special application on your phone.
There are also several other mobile payment models. For example, mobile commerce, carried out by QIWI and MOBI, Near Field Communication (NFC) technology, which is now being actively developed by smartphone manufacturers and banks. NFC is a short-range wireless high-frequency communication technology (up to 3-5 cm) that allows contactless data exchange between mobile phones, smart cards, payment terminals, access control systems and other devices.
Mobile commerce has split into two subtypes: mobile banking (managing bank funds using your phone) and mobile payment (not requiring a bank account).
NFC technology is still at an early stage of development. It combines technologies of contactless identification and wireless communication of devices. It will allow paying for goods and services by bringing a smartphone with NFC technology to a payment terminal. Smartphones with NFC can be used for cashless payments, in public transport, as well as in identification and access control systems. So far, this technology is being introduced to the masses only in the United States and some European countries.
According to analysts, the mobile payments niche holds great promise. After all, the spread of such payments in society will serve as a reason for close cooperation of banks and payment systems with mobile operators, which will increase the loyalty of existing subscribers and, in turn, increase revenue from the sale of services. According to experts of the world leader in the field of consulting, Gartner, in 2021 more than 104 million people worldwide will use mobile payment services, and the total volume of payment transactions made using smartphones will exceed $ 39 billion.