How wearables will shape the future of mobile payments

上周，在Wearable World国会在旧金山，从资本之一，万事达和PayPal的高管参加了有关移动支付的未来产生热烈的讨论，并解释了为什么穿戴技术是他们公司的游戏计划的重要部分。

Speaking from a shadowy stage in the city's Palace of Fine Arts Theatre, just spitting distance from the Golden Gate Bridge and the Pacific Ocean, Stephane Wyper, MasterCard's vice president of startup engagement and acceleration, said MasterCard's is focused on leveraging the latest and greatest gadgets, including wearables, to create loyal customers.

“当我们展望未来，消费者显然与那超出塑料或在他们的口袋设备新设备一大堆的互动，” Wyper说。万事达卡的问题是，“我们如何使所有连接的设备是支付设备？”

Wearables improve, enhance mobile payment experience

在市场上可穿戴设备的数量激增，以及Capital One公司认为它可以使用它们来绘制和留住客户。安吉穆迪，新产品创新的金融公司的副总裁说，她的公司正在寻求到穿戴式设备，以“重塑消费者的钱在日常业务互动的方式。”

Capital One公司希望延长付款经验，以帮助其客户做出更明智的，负责任的决定付款，通过使用可穿戴设备，包括位置和行为信息收集的数据。可穿戴技术呈现，因为这类型的收集数据的一个独特的机会，根据穆迪。“穿戴式提供了新的方法来学习who你是，什么时候you are and哪里you are."

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PayPal的Varun的克里希纳，其消费者的钱包部门的高级主管，认为可穿戴计算作为公司最终将一个显著的机会“产生更多的连接，更个性化的体验。”

“Wearables provide connectivity at a point that mobile apps can't," Krishna says. "By nature, they're more connected to the user than a phone can be."

然而，克里希纳强调，移动支付的大规模应用可穿戴设备会视乎大小“受理网络”，或支持多种数字支付选项零售商和目的地的数量。贝宝正在积极努力地发展和壮大，接受网络，根据克里希纳。

Big data, analytics key to success of wearables for mobile payments

Advances in data analytics will also play a crucial role in the evolution of wearable-based, or wearable-assisted, mobile payments, because they'll help finance companies put consumer data to better use. "The amount of data that we have about how consumers spend money is astronomical compared to how we're actually using it," Krishna says.

“数据分析将是巨大的，” Wyper说，因为它会让支付公司“采取所有这一切收集到的信息，并把它转化为有用的见解。[手机支付]未来可能会根据上下文可以预测的，所以如果你总是使用在一个位置相同的服务，它可能是能够预测哪些时使用。”

例如，如果你经常在曼哈顿工作，而你总是用你的公司信用卡，而在纽约市，它可以自动送达的付款方式对您的SmartWatch当你到达你最喜欢的酒吧或餐饮点，根据您的位置和过去的行为。

Today, payment companies mostly request data about customers, and they then enter as much (or as little) information as they're willing to share into mobile apps or websites. In the future, wearables and other devices will automatically collect data (after users opt in) and deliver relevant, contextual information. It will be "less of a pull and more of a push," Moody says.

挑战在移动支付身打扮

Wearables can improve and extend the payment process, but there's also a balance between ease of use, or "friction removal," and the need to provide all information necessary to make informed financial decisions, Moody says.

“你必须平衡减少的需要，使人们理解这个过程的摩擦，”穆迪说。“今天的人们花的钱没有关于它甚至思维。通过消除摩擦，你的现金有形以客户了。”

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穆迪援引尤伯杯最近决定使我们的客户证实，他们愿意支付的“潮定价”before they can request a driver. That additional confirmation was added because Uber had "removed too much friction," making it too simple for people to request a ride during peak hours and then get stuck with huge fares, according to Moody.

A balance between ease of use and providing the pertinent information protects consumers and helps build trust between service providers and their customers. "If you break that trust, it's really hard to get it back," Moody says.

穿戴式设备和移动支付的未来

小组成员一致认为，不会有一个尺寸适合所有人的方法来移动支付或手机钱包。正如今天人们随身携带多个信用，忠诚度和会员卡，他们很可能会使用一个以上的手机钱包或支付选项，在多个设备上，在未来。“这很难说会有一个解决方案，解决所有[挑战]，” Wyper说，和许多不同的应用和服务将提供内置的付款方式。

除了支付，数据采集和预测分析，可穿戴设备也将发挥在客户忠诚度和售票的未来关键的作用，根据Wyper。

应用生态系统对衣物和mobile payments is relatively immature today, and providers will learn from their early mistakes. As they do, the user experience and overall value of the offerings will skyrocket. "I get most excited about this space becoming 'sexy,' developers wanting a piece, [because that] breaks down the 'walled garden' and brings more innovation," Moody says.

Capital One is also actively trying to establish itself as a player in the mobile payment space by offering promotions and discounts in popular mobile apps,including Uber.

“We're just starting to learn," Moody says. "You don't see the gaps until they're in market."

“今天有很多不同的片...很多小片会走到一起”，在不太遥远的将来创造一些高度情境化和相关性，根据克里希纳。“

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This story, "How wearables will shape the future of mobile payments" was originally published byCIO 。