Resultados 1 a 5 de 5
  1. #1
    WHT-BR Top Member
    Data de Ingresso
    Dec 2010
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    17,370

    Mastercard lança cartão com leitor de impressão digital



    A MasterCard anunciou nesta quinta-feira, 20, uma nova tecnologia ideal para quem não consegue decorar suas senhas: um cartão de crédito com um leitor de digitais embutidos. Disponível na África do Sul, o cartão permite que usuários façam compras sem digitar a senha, exigindo apenas um leve toque no dispositivo para comprovar a sua identidade no ato da compra.

    De acordo com a empresa, o cartão de crédito funciona em máquinas convencionais, já que possui a mesma espessura dos cartões usados atualmente — ou seja, não haverá problemas na implementação da tecnologia e nem necessidade de atualização das máquinas. Para ter o cartão nos países disponíveis, então, basta solicitar para a instituição financeira e cadastrar a biometria.

    Para realizar as compras, o procedimento é o mesmo que é feito em transações normais: o cliente insere o cartão na máquina e aguarda. No momento da validação, ao invés de inserir a senha, ele coloca o dedo no sensor biométrico. Neste momento, a máquina libera a compra como se a pessoa tivesse inserido a senha.

    “Seja desbloqueando um smartphone ou fazendo compras online, impressões digitais estão ajudando a entregar conveniência adicional e segurança”, disse o presidente da Mastercard, Ajay Bhalla, por meio de comunicado.

    A tecnologia começa a ser liberada para o público do país africano após realizar dois testes em supermercados e lojas de conveniências — ambos bem-sucedidos. Nos próximos meses, a tecnologia segue para testes na Europa e na Ásia. A empresa, no entanto, ainda não possui previsão de quando o cartão de crédito biométrico deverá ser liberado nos demais países que a MasterCard opera.

    Tentativa. Esta não é a primeira vez que a Mastercard tenta estimular os consumidores a deixar de usar senhas. Em julho de 2015, a empresa anunciou que estava desenvolvendo um sistema que aprova a compra após o dono do cartão tirar uma selfie.

    Segundo a empresa, o recurso, que ainda não foi lançado comercialmente, pede que o cliente tire uma foto de si mesmo na hora da compra. Um sistema de reconhecimento facial identificará se ele é o dono do cartão.

    A empresa não é a única a postar na biometria para garantir a segurança de transações financeiras. Além dos grandes bancos, fabricantes de smartphones também passaram a incorporar o recurso em diversos novos modelos de aparelhos, com o intuito de viabilizar compras online.

    Contudo, os sensores de digitais ainda não são à prova de fraude. Segundo especialistas em segurança, cibercriminosos podem usar impressões digitais falsas como uma espécie de “chave-mestra” para autorizar transações.

    http://link.estadao.com.br/noticias/...is,70001746119

  2. #2
    WHT-BR Top Member
    Data de Ingresso
    Dec 2010
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    17,370

    85% of the world’s transactions are still done in cash

    Emily Bary
    April 20, 2017

    It’s relatively easy to create wacky new payment technologies. The trick is convincing people to use them. Even though you can now check out with payment-enabled bracelets, Amazon dash buttons, or smartphone taps, people still prefer to buy items using traditional payment methods. In the U.S., most transactions are done via card, and worldwide, the overwhelming majority involve cash.

    Mastercard is among the payment giants trying to speed up the transition to newer forms of payment. At a lab in New York City, the company showcases all sorts of cool technology. During a recent tour, Barron’s Next played with chatbots, smart fridges, robots, and other unusual ways of ordering goods.

    Given the slow adoption of that tech, Mastercard is honing in on situations where the payment process actually drags. In particular, the company has identified issues around restaurants and public transportation.

    We recently spoke with John Sheldon, senior vice president of Mastercard Labs, about the future of digital payments and Mastercard’s role in the shift away from cash and plastic. Excerpts of our conversation follow.

    What new technologies will get people to stop using their plastic cards at terminals?

    Swiping a card or dipping in a terminal is not that complicated, so we have to deliver an experience that’s better. It has to add value to your life. That experience could be more security in a vulnerable environment, or something that saves you a lot of time. We have a product called Qkr Pay at Table [which lets you pay by phone while eating at a restaurant]. We’ve rolled it out at about 1,000 restaurants in the U.K. and are rolling it out in a number of other countries this year. The 11 minutes from the time that you want to leave to the time when you actually can leave a restaurant -- you can get that back.

    What do you see as future of mobile payments five years down the road?

    You’re going to see the actual activity of payment start to move to the background. An investment we have in a company called Bionym in Canada actually identifies me by the electrical impulses of my heart and that device tells the world around me that I am who I say I am. When I go to check out, I don’t have to swipe or tap. The whole concept of payments is going to creep to the background. We’re going to have to find some ways to make sure that we’re adding value both before and after the transaction so we don’t turn into a utility.

    What about other biometrics?

    Everyone’s walking around with a fingerprint scanner in their pocket and that’s pretty powerful in its own right. But from your cellphone you could do powerful iris scanning, and that’s much more reliable than a fingerprint. A fingerprint can be stolen, but it’s much harder to do that with an iris scan. We’ve also worked with a startup company that has a gesture-based technology allowing you to just wave your phone in the air like you’re signing your signature. That can determine whether or not you’re you.

    How about people who aren’t yet using digital payments of any kind?

    Eighty-five percent of the world’s transactions are still done in cash. For our business, we need to get those people onto safer, more secure, more transparent ways of buying and paying for things. Financial inclusion is frankly a corporate strategy for us. We think if we can raise all boats there, we’ll benefit disproportionately. Of course there’s a social good in doing this and one that I find very connecting.

    http://www.barrons.com/articles/mast...pay-1492721773

  3. #3
    WHT-BR Top Member
    Data de Ingresso
    Dec 2010
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    17,370

    Amazon unveiled a plan to accept cash from its customers

    Amazon’s latest idea could be bad for PayPal.

    Emily Bary
    April 5, 2017

    Once an ambitious upstart facing the giants of the payments industry, PayPal has found ways to work with the big guys. The company has partnerships with Visa, Mastercard, and Facebook, but it faces a tough test ahead with the world’s e-commerce leader.

    A potential arrangement between PayPal and Amazon was thought to have benefits for both companies -- PayPal would get a presence on the site that’s revolutionizing retail, and Amazon could reach people who don’t have bank accounts, a group for which PayPal offered solutions. PayPal’s CEO noted earlier this year that the two companies had discussed this possibility.

    But, turns out, Amazon may just try attracting these unbanked consumers on its own. Earlier this week, the retailer launched “Amazon Cash,” which allows people to print out a barcode, bring it to CVS or another participating store, and feed cash onto their Amazon balance.

    “Given that Amazon has its own one-click checkout solution, which has become a hallmark of frictionless/convenient checkout, we believe that the most value PayPal could potentially provide to Amazon, at least in the U.S., is to attract underbanked consumers that do not have a credit/debit account,” Morgan Stanley’s James Faucette wrote in response to Amazon’s announcement. “Ultimately, we do not view this announcement as a needle mover for Amazon, but it could somewhat diminish the value of PayPal to them.”

    He does note that roughly half of PayPal’s 200 million active accounts belong to international users, by his estimates, which could help Amazon win over more customers outside the U.S. At the same time, he points out, Alibaba’s AliPay has several times that amount overseas. “It appears to us that Alipay could be further up the potential priority list for Amazon than PayPal.”

    Big Picture: PayPal has partnered with Visa, Mastercard, and Facebook, but a recent development may decrease the likelihood of PayPal working with Amazon anytime soon.

    http://www.barrons.com/articles/amaz...pal-1491401787

  4. #4
    WHT-BR Top Member
    Data de Ingresso
    Dec 2010
    Posts
    17,370

    PayPal Talks Venmo and the Future of Payments

    Emily Bary
    April 11, 2017

    Since spinning off from eBay in July 2015, PayPal has been looking a little more like a social technology company and a little less like a financial services firm. The idea of using your PayPal app to walk into cafes and pay by face never took off, but the company is finding success around a host of other apps.

    Venmo has eased social interaction by making it easier to split rent or a dinner bill. The company has made it easier to pay for an Uber too. Its Braintree business powers the in-app payments process.

    We recently chatted with Chief Operating Officer Bill Ready about what’s in store for the company and for mobile payments in general. Excerpts of our conversation follow.

    What are big changes you’re seeing in consumer shopping habits?

    Retailers have been struggling pretty mightily to deal with the movement to online shopping. This past holiday shopping season, a bunch of retailers were saying that as much as 40% of online purchases were people buying online and then coming into the store to pick up physical goods. That’s more compelling to the consumer than switching a card swipe to a [phone] tap, which is a solution in search of a problem. People are just fine using a card. But if they make a purchase and then pick up the item because it’s already boxed up and waiting for them in the store, they get instant gratification. That really solves an issue for a user. You’re going to see over the next couple years more and more e-commerce experiences eating into physical world -- far more of that than you see of people switching card swipes to taps.

    You own Venmo, which is popular with millennials. Can the app extend beyond this generation?

    If you think about other very successful apps and social experiences, they tend to start with a very highly engaged core and then expand out from that. In the early days of Facebook, it was only for college kids. If you had said in 2006 or 2007 that Facebook would be for grandparents, it would have sounded crazy. Now grandparents are on it as much as or more than anyone else. With Venmo, it’s definitely most relevant among millennials. It’s part of the college experience, but when kids at college are talking to Mom and Dad about sending them money for tuition or books, they tell them to do it on Venmo. So we see those concentric circles starting to expand even beyond the core.

    Venmo is slowly expanding from just peer-to-peer [P2P] payments into merchant transactions. How’s that coming along?

    We’ve been testing it for approximately a year. We started with in-app purchases with a curated list of apps. The ability to split the tab and share thoughts about a transaction are just as prevalent there as they are for P2P transactions. People may not want to share [Pay with Venmo purchases] as much as they do P2P transactions, so it doesn’t default to sharing them, but it’s still really easy to do. You’ll start to see us, over the coming months and quarters, continuing to expand places where you can use Venmo, and you’ll find social aspects will be not only present, but also be what’s most attractive to our users.

    The company has talked about how people visit Venmo even when they aren’t making a transaction, to see what their friends are paying for. Do you see Venmo becoming a social network?

    Our aspiration is to be a great facilitator of commerce and as a facilitator of commerce, there are conversations that happen around transactions. In that regard, the social part of Venmo is very important, but in no way do we have aspirations to be a social network or to be an ad platform.

    http://www.barrons.com/articles/payp...nts-1491943433

  5. #5
    WHT-BR Top Member
    Data de Ingresso
    Dec 2010
    Posts
    17,370

    Why PayPal Seems Cool Again

    Emily Bary
    Feb. 15, 2017

    PayPal has a strong track record of diffusing threats within the payments industry, and that has one analyst feeling optimistic that mobile wallets like Apple Pay won’t be a problem for the company.

    Merchants can now add buttons for Apple Pay, Samsung Pay, and other digital wallets to their sites, but it’s hard to get people to change their behaviors. PayPal has been around since the late 1990s, much longer than all of the newcomers, and it has about 200 million users who already store payment information with the service.

    “There’s a difference between competition and disruption,” Jefferies analyst Jason Kupferberg tells Barron’s Next. “None of these competing solutions have brought compelling enough value propositions to get consumers to switch.”

    The company’s latest quarterly results didn’t show any indication of Apple Pay hurting its business, even as Apple itself touted strong growth for Apple Pay.

    PayPal likely doesn’t have to worry about Visa or Mastercard either, he says. In the beginning, the company tried to get users to pay in ways that bypassed the credit-card networks, but it’s since changed its tune. PayPal and the card companies went from being “frenemies with undertones of real resentment” to partners.

    That’s key, says Kupferberg, because it means Visa and Mastercard aren’t waking up every day trying to destroy PayPal. It also means less friction on the consumer end, making people more willing to use the service.

    Another thing working in PayPal’s favor: its Braintree payment-processing platform. Even when consumers do choose to use Apple Pay, their payment may go through Braintree. That doesn’t bring the company as much money as having someone pay directly with PayPal, but it’s something.

    Kupferberg called PayPal’s $800 million purchase of Braintree in 2013 “one of the best acquisitions in modern payments history.” It’s probably worth far more today, given that smaller rival Stripe is now worth $9 billion. Braintree powers payments for major startups like Uber and Airbnb.

    With 70% to 80% of global transactions still done in cash, there’s a big opportunity for digital-payments companies to gain traction. Looking ahead, as far as winners in the industry, Kupferberg told us PayPal “is at the top of the list.”

    He thinks shares can hit $52, 25% above a recent $41.70.

    Big Picture: The overwhelming majority of transactions are still made via cash, and PayPal is still poised to benefit from a shift toward more digital payments.

    http://www.barrons.com/articles/why-...ain-1487183997

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