Operating with signal-to-interference
The remote payment, particularly for micro payments, should experience strong growth under the combined impetus of solutions of network operators and independent actors, often from the Internet world. For example, the launch of PayPal Mobile on iPhone has two million downloads after three weeks of lancement 40. Although use confirms real, and this trend is largely caused by a situation in more established 190 countries, the fact remains that it is the sign of a particular appetite for this type of solutions41. Development of remote payment should experience strong growth.
The threshold required
Because the actors will mobile recharge have to or marketing and communication. Because brought recharge retailer offer res will be numerous. The customer will be prompted to test and therefore a potential conversion. Although competitors, the actors primarily an extension of common concern uses.
The organizations and associations facilitators therefore have a key role to play in this to carry the mobile recharge initiatives. This type of service should also quickly meet the membership recharge retailer offer of the customer. The amounts traded are minimal and confidence relatively strong, especially for payment services on operator bill. Their active on Payment Services Thereactiveon Payment Services (PSD) adopted by the European legislators 13/11/07 and transposed in France by order, took and1 November 2009.
This reactive gives a harmonized legal framework for payment transactions (transfers, debits, operations cards and cash) between member states and is a further step in the European Union to achieve a single market for payments. Beyond the objective of transparency and clarified cation payment process, DSP aims also to increase openness to competition. By establishing open to new entrants, the payment institutions, telecom operators, ISP, retail, money transfer or others can now apply mobile recharge for a license issuing means of payment. Since November 2009, applications for approval to access this status come in numbers increasing the Prudential Control Authority (ACP former CECEI).
Mobile recharge process
To date, five companies received approval of payment institutions. Yet we find that in the UK mobile recharge number of payment institutions is around 70 entities and the number of small payment providers Is close to 600. The revision of interchange fees for small amounts In general, operators of scheme (Visa, Master Card) face a pressure persistent regulator (in Europe but also in France) to belittle commissions interchange; high fixed costs including slowing down development of payments type means card for small baskets. As for the small transactions on a mobile recharge contactless payment means, the operators of scheme now propose to apply an interchange fee of up to 50% cheaper than a rational transaction with a classic bit card.
Banks face a workaround for the management of very expensive cash For banks, payment is an opportunity to drastically reduce the costs associated with species management. The species mobile recharge represent a significant cost item for banking players, which is not distributed in an equal manner between stakeholders. This creates a cost for European banks, more than 32 billion by and 42. In a highly equipped market, MNOs are in search of growth and of their customer base The mobile penetration rate in the world is strong.
