近年来，无现金支付逐渐成为主流支付方式。电子钱包等无现金支付载体如日中天，主要有以下几点原因：1、重视用户体验。消费者会对支付产品或设备产生较高的心理预期。为此，电子钱包产品需想用户之所想，切切实实满足用户期待，更好引领支付新常态。2、确保交易安全。信息安全是行业潜在的“导火索”，是衡量支付企业实力的重要标尺。各类电子钱包产品应把好信息安全关，继续运用密码、指纹、二步验证等技术手段，筑牢信息安全底线，避免用户信息“裸奔”。可喜的是，AI防欺诈已落地实践，与现有技术形成合力，共同守护消费者交易安全。3、缩短支付时间。现代人们生活节奏加快，消费者的幸福感很大程度上受支付速度影响。电子钱包产品只有在支付环节做足了文章，在消费者身上下足了心思，才能让购物变得更简单、更快乐，进而提升用户粘性，实现无现金支付长期稳定发展。4、规避逾期未还款风险。以传统信用卡支付为代表的超前消费模式下，一旦消费者未及时还款，往往会背上高额利息，留下信用污点。电子钱包则提倡量力而行，适度消费，为消费设置“天花板”，克制消费欲望，让消费活动更可控、更可持续。5、突出消费者主体地位。以消费者为中心是无现金支付发展的主线，也是无现金支付的生命线。一款优秀的无现金支付产品应聚焦便利化、紧贴用户需求，于细微处见真章，如提供API接口等定制服务，让消费者有更好的体验感、更实的安全感、更多的获得感。如今，市场对电子钱包产品提出了更高要求，也赋予电子钱包产品更多可能。高压之下机遇与挑战并存，未来无现金支付还将创造什么样的惊喜，我们拭目以待。

Here's the truth.&nbsp;Everyone thinks about payments when they go into a store.&nbsp;And, let's admit it.&nbsp;Things got a whole lot easier ever since cashless payments came into the limelight to beat dollar bills.&nbsp;According to&nbsp;<a href="https://www.dcrstrategies.com/15-digital-wallet-mobile-payment-statistics-you-need-to-know/">research and recent studies</a>, contactless payments have increased drastically over the years.&nbsp;It takes out the trouble of rushing to ATMs and turns the whole payment process into a wonder.&nbsp;Well, here's when you can happily say “no need for digging anymore”.&nbsp;So what is it that makes contactless payments great, and what do YOU as a consumer want out of it?&nbsp;1) USER-FRIENDLY APPLICATIONS&nbsp;First and foremost, everyone expects the best out of technology.&nbsp;Even before using it, a user trusts a device or an application to process their payments effectively.&nbsp;This happens when they have seamlessly engaged with the features of the application and feel comfortable using it.&nbsp;So, with user-friendly features in an e-wallet, it helps render out cashless payments in a straightforward fashion.&nbsp;One that never grows old!&nbsp;2) SAFE AND SECURE PAYMENT TRANSACTIONS&nbsp;It certainly feels cumbersome to continually have the nagging thought that one day, card details might get stolen or your cashless payment account might have the possibility of being hacked.&nbsp;You never want to reach here!With state-of-the-art-technology, card details can be safely stored – simply via passcode verification, fingerprint or two-factor authentication.&nbsp;On top of that,&nbsp;<a href="https://mobilepaymentconference.com/artificial-intelligence-changing-mobile-payments/">AI (Artificial Intelligence)</a>&nbsp;has gone a long way in detecting fraud platforms, making the lives of consumers all the more easier.&nbsp;There's never a better time to accept cashless payments than now due to the emergence of such technology that can meet the rising demands of the conflicting consumer.3) IT DOESN’T GET SPEEDIER THAN THIS&nbsp;What do consumers love?&nbsp;Fast checkouts and speedy payments.&nbsp;When it comes to payment transactions, consumers always anticipate getting things done in a prompt instant.&nbsp;Why so?&nbsp;They cannot wait to get a hold of their items!&nbsp;With a speedy payment transaction, they will gain a better and memorable user experience.&nbsp;With this in mind, consumers will then prefer to choose a cashless payment option to cash payments in the future.&nbsp;4) E-WALLETS CAN DO WHAT CREDIT CARDS CANNOTLet's admit it.&nbsp;E-wallets can give anyone more value for money.&nbsp;Credit cards give you a limit on how much you can spend and also if unpaid on time there are interest rates to be accounted for.&nbsp;And this feels like a bog down for any consumer.&nbsp;E-wallets can save you the trouble from accumulating interest or the risk of not paying on time.&nbsp;5) IT'S AS CONVENIENT AS IT GETSLast but not least, cashless payments exist solely because of its convenience and its ability to meet the ever-changing needs of the consumer.&nbsp;This can be fairly judged by the API (Application Programme Interface) that the e-wallet application uses.&nbsp;Some even have personalisation features that can help make the consumer feel more at ease and comfortable.&nbsp;As a merchant, you're on the safe side if consumer's needs are satisfyingly met while using the e-wallet application.&nbsp;On a concluding note, consumers expect only the best out of e-wallet applications and knowing how the digital market quickly changes; there is more to expect out of cashless payments in the years to come.&nbsp;

巩固优势满足新期待 补齐短板迎接新未来

巩固优势满足新期待补齐短板迎接新未来