Chifukwa chiyani muyenera kusankha android Tap kuti mulipire piritsi pabizinesi yanu?

Kukula kwa Mapiritsi a NFC Tap-to-Pay: Zochitika ndi Ubwino Kupanga Tsogolo la Malipiro 

M'dziko lomwe likufotokozedwa kwambiri ndi kusintha kwa digito, ukadaulo wa NFC (Near Field Communication) watuluka ngati mwala wapangodya wamakina amakono olipira. Mayankho a tap-to-pay, makamaka omwe amaphatikizidwa m'mapiritsi, akusintha momwe mabizinesi amalandirira malipiro, kupereka mwayi, chitetezo, ndi kusinthasintha. Tiyeni tifufuze momwe zinthu zikuyendera komanso maubwino omwe amapangitsa kukhazikitsidwa kwa mapiritsi a NFC tap-to-pay.

Chisinthiko ndi Zochitika Zamakono

Kukwera kwa Tap to Pay, kutha kuyambika mu 2020, chaka chofunikira kwambiri pakulipira popanda kulumikizana, mliri wapambuyo pa mliri, ogula ndi mabizinesi omwe amatsogozedwa ndi kulumikizana kosagwira ntchito, zida zothandizidwa ndi NFC, kuphatikiza mafoni ndi mapiritsi, zakhala zodziwika bwino pamabizinesi onse ogulitsa komanso mabizinesi.

Lipoti la US Federal Reserve limapereka umboni wokwanira: Mu 2018, 700 miliyoni zolipira makadi opanda kulumikizana zidakwana $20 biliyoni. Izi zidakwera mpaka 1.6 biliyoni, zomwe zidakwana $ 50 biliyoni mu 2019, pofika 2020, kuperekedwa kwa makhadi osalumikizana ndi banki kudakula kwambiri, ndipo kuchuluka kwa zolipira zolipira makhadi kudakwera ndi 172.3% mpaka 3.7 biliyoni, ofanana ndi US $ 110 biliyoni. Kugwiritsa ntchito zikwama zam'manja kumawonjezeka ndi 29% pachaka, kulola ogula ambiri kuvomereza njira yolipirira yabwinoyi.Zowonadi, kafukufuku wa 2021 NGPF adavumbulutsa chinthu chofunikira kwambiri: opitilira theka la anthu aku America anali kugwiritsa ntchito zolipira. Mapulatifomu monga Apple's Tap to Pay ndi Google Pay apangitsanso ukadaulo uwu kukhala wamba, kulola amalonda kusintha zida zawo kukhala malo olipirira popanda zida zowonjezera. Akatswiri amalosera kuti zolipira padziko lonse lapansi zikuyembekezeka kupitilira **$1.2 thililiyoni** pofika 2026, moyendetsedwa ndi mafoni am'manja ndi piritsi ya NFC Tap to Pay.

Ubwino waukulu wa mapiritsi a NFC Tap to Pay

Cross-Industry Collaboration

Mgwirizano pakati pa opereka malipiro, akuluakulu aukadaulo, ndi mabungwe azachuma akukulitsa luso lothandizira kulipira. Kuphatikiza kwa PayPal ndi Apple's Tap to Pay, mwachitsanzo, kumalola mamiliyoni abizinesi ang'onoang'ono aku US kuvomera kulipira mwachindunji kudzera pa ma iPhones, ndikuchotsa kufunikira kwa machitidwe odzipereka a POS. Kugwirizana kotereku kumapangitsa kuti anthu azipeza zida zolipirira zapamwamba, kupatsa mphamvu mabizinesi ang'onoang'ono ndi odzipereka.

Mtengo-Mwachangu ndi Kufikika

Mosiyana ndi machitidwe achikhalidwe a POS, mapiritsi ogwiritsira ntchito-to-pay amachotsa mtengo wam'mbuyo wa hardware ndi renti pamwezi. Mabizinesi amatha kugwiritsa ntchito zida zomwe zilipo (mwachitsanzo, ma iPads kapena mapiritsi a Android) kuti azilipira, kuphweka kwake - palibe ma PIN, siginecha, kapena makhadi amthupi omwe amafunikira - kumapangitsa kuti ikhale yabwino kwa ogulitsa mafoni, mashopu apopu ndi othandizira omwe akugwira ntchito popita.

Chitetezo Chowonjezera

Chitetezo chimakhalabe chofunikira kwambiri pazolipira zopanda kulumikizana. Zochita za NFC zimagwiritsa ntchito encryption ndi tokenization kuteteza deta yodziwika bwino, pomwe kutsimikizika kwa biometric (mwachitsanzo, ID ya nkhope kapena masikelo a zala) kumawonjezera chitetezo. Njirazi zimachepetsa chiopsezo cha chinyengo, kupanga chikhulupiriro pakati pa makasitomala ndi amalonda.

Zochitika Zabwino

Ndi ma wallet a digito (Apple Pay, Google Pay, Samsung Pay), ogwiritsa ntchito amatha kusiya zikwama zawo kunyumba. Tap-to-pay imapereka zochitika zapafupifupi, kuchepetsa nthawi yodikirira komanso kuwongolera njira zotuluka. Makasitomala amatha kulipira ndi makhadi, zikwama zadijito (Apple Pay Google Pay), kapena mawotchi anzeru, opereka zokonda zosiyanasiyana. Kwa mabizinesi, izi zikutanthawuza kukhutitsidwa kwapamwamba ndikubwereza kuthandizira.Ndipo ma SME amapindula ndi kuchepetsedwa kwa mtengo wapamwamba, popeza Tap to Pay imachotsa kufunikira kwa hardware yodzipereka ya POS. Ndalama zimayikidwa nthawi yomweyo, kupititsa patsogolo kayendedwe ka ndalama komanso kuyendetsa bwino ntchito.

Njira Yamtsogolo

Kukula Kuposa Kugulitsa

Mapiritsi a NFC tap-to-pay amagwirizana ndi mitundu yosiyanasiyana yamabizinesi. Kaya amagwiritsidwa ntchito pa khofi, galimoto yazakudya, kapena chisamaliro chaumoyo (ndalama zolipirira odwala) komanso zoyendera za anthu onse (malipiro kudzera pa mafoni a m'manja), zimapereka mwayi wokonza zolipirira paliponse ndi intaneti. Mwachitsanzo, mizinda padziko lonse lapansi ikuphatikiza Tap to Pay mumayendedwe apansi panthaka, kuchepetsa kudalira matikiti akuthupi.

Kufikira Padziko Lonse

Tekinoloje ya NFC ndiyokhazikika padziko lonse lapansi, ndikupangitsa kuti pakhale zochitika zodutsa malire. M'madera monga US, UK, ndi Australia, njira zolipirira-to-pay zimavomerezedwa kale, misika yomwe ikubwera ku Latin America ndi Southeast Asia ikukumbatira Tap to Pay. Mgwirizano pakati pa opereka malipiro ndi opanga ma hardware udzafulumizitsa kutulutsidwa kwake padziko lonse lapansi.

Sustainability Kankhani

Kuchepetsa kudalira ndalama ndi makhadi apulasitiki kumagwirizana ndi zolinga zokomera chilengedwe, kupangitsa Tap to Pay kukhala chisankho chobiriwira kwa ogula ndi mabizinesi chimodzimodzi.

Tsogolo la NFC Tap-to-Pay

Pamene ukadaulo wa NFC ukupitilirabe kusinthika, titha kuyembekezera kuphatikiza kozama ndi zomwe zikubwera monga AI ndi IoT. Mwachitsanzo, ma analytics olosera amatha kukhathamiritsa mayendedwe amalipiro, pomwe zida za IoT zitha kuloleza kuti mulipire m'malo osazolowereka (mwachitsanzo, makina ogulitsa anzeru).

Mapiritsi a NFC tap-to-pay akuyimira kusintha kwamalipiro-kuphatikiza zosavuta, chitetezo, ndi kusinthika kuti zikwaniritse zofuna za chuma cha digito chofulumira. Kwa mabizinesi omwe akuyang'ana kuti azikhala opikisana, kukumbatira ukadaulo uwu si njira yokhayo; ndichofunika.

Kodi mwakonzeka kutsimikizira njira yanu yolipira? Onani momwe NFC tap-to-pay ingakwezere bizinesi yanu lero.