Application type Android Pay and Apple Pay likely, will not be competitors for banking solutions mobile. Programs offered by banks, and enjoys great trust of customers, and in addition, they offer a much wider range of functions, said in an interview with Bankier.pl Petr Helbich, Director, office of Card and Payments at PKO Bank Polski.
Wojciech Boczoń, Bankier.pl of the six banks issuing cards HCE, PKO BP gave them most. Who is the average customer that uses a card contactless? It is a modern instrument, and the villains say that PKO BP Bank elderly.
Peter Helbich, the Director of the Bureau of Cards and Payments at PKO Bank Polski: is Statistically the client PKO Bank Polski to pay zbliżeniowo phone the technology HCE this male under the age of 40 years, although this decision will benefit ku our satisfaction – people a little older (41-60 years of age, 24 percent. operation HCE) and young (18-26 years of age, 18 percent). 6% of transactions HCE performed customers under the age of 18 years. Thus, we can assume that the payment zbliżeniowo the phone has established itself among customers with very diverse needs and financial habits.
For customers who pay via HCE technology, almost ¼ non-cash foreign exchange transactions carried out in this way (the rest is transactions by card). Statistical user payment HCE is also a quarter more transactions, non-cash than the average person debit card PKO Bank Polski.
Customers, small towns also pay HCE maps?
up To 65 percent of all payments HCE clients PKO Bank implemented in Polish cities and towns beyond the top dozens. Today, the vast majority of payment terminals, which can be to pay by credit card, also accepts contactless payments. The network accepts cease to be more, so a barrier in smaller communities that reflect our statistics of HCE payment. The average amount per contactless transaction the phone is about 40% lower than the average deals regular debit card terminal.
After that the client to replace ordinary Bank card for a virtual one?
now, and went nowhere without a phone and without portfolio Yes Jogging or Cycling. Always we return home, if you forgot to take the phone, but when you forget the briefcase – it’s like, we able to do without it. We are becoming more and more active and mobile society and therefore inevitably becomes natural for us to work with virtual card in the phone, which we always carry.
the Smartphone is also suitable, if not we the portfolio, as we need cash then we can withdraw it from ATM phone using BLIK code in the program IKO. Summing up so, in my look, that client should not replace a credit card on HCE – because these solutions continue to complement each other. Proof of this are referred to earlier stats – the customers continue to use two methods of payment, depending on the situation in which they are located.
is there, in your opinion, smartphones will replace us soon, in fact, a normal credit card? Visa believes that by 2020. one in five consumers will pay using the smartphone every day, and pay with your smartphone or tablet, they have made more 50% of all Visa transactions. Do you share this view?
Undoubtedly, your smartphone becomes more like our command post and control centre of Finance, and in the next the years will not be, and in this issue on revolutionary change. We see how, under the influence of various plastic cards, swell our wallets, and if we can will be happy to give them up in favor of smartphone with different applications for example, a banking application with a payment function.
Number of active cards HCE at the end of III quarter 2016
maybe this time there will be some other technologies such as smart watches or solutions using biometrics that will revolutionize the way to do płatnościKto 5 years ago he believed in our country, appears the previously mentioned interbank payment standard BLIK and begin to rapidly conquer the market?
is there, in your opinion, systems like Android Pay and Apple Pay will be able to threaten Bank applications for payment?
I Think this question is not zagrażania banking applications but rather a friendly coexistence of one and the second, but the conscious the client’s decision what is best for him and more comfortable. As in research customers to declare trust for financial solutions for mobile devices that offered through my Bank. I believe that in the near future mainly in be the way will be the extension of contactless mobile payments in Poland. of Course, with great attention watching customers young – maybe it will need the roots of new trends.
in this context, let us also add that the application of the Bank it is not only the option to pay in store, online, or do payments from the ATM, but, above all, a powerful processor, allowing daily “time Bank” – check the status of accounts, conduct money transfers (including translation on your phone), opening of deposits and other operations. Such full functionality applications provided by the Bank, is in the us its competitive advantage in terms of solutions, limited only to the function płatnościowej.
Technology simcentryczna relegated to the past. Only 4 years ago, when for the first time has been published for commercial purposes, many people enthusiastically predicted that this the future of mobile payments. Later came BLIK, HCE and a few other solutions. From the confidence that in 4 years these technologies will not share the fate of SIM cards NFC?
It is natural that a better decision at this point in time replacing these worse. Global players from different industries, fintechy whether the banks are constantly working on new, revolutionary solutions that want to earn market. Still a big mystery as an opportunity and a threat adjustment PSDII and potential changes that it can bring in the next years in the European payment market. We see great opportunities for our the market is at BLIK, in particular in the field of Internet payments, but also in the terminals of shops and interbank fast money transfer phone.
Who knows what for several years the market will not force are the development of subsequent applications in the world mobile “banks”? This is what we learn in the near future. In all probability the field of payment solutions threatens us with boredom and stagnation – as we like and our customers must follow a rapidly changing world.
Thank you for the conversation.
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Wojciech Boczoń
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