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O płatnościach mobilnych z Cristiano Betta z Braintree/ PayPal (ENG)

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16 stycznia 2015

Kategorie: Wywiady

Zbliża się konferencja Mobile Central Europe, którą zapowiadałam tutaj. Do Polski przyjedzie wielu bardzo interesujących gości, pozytywnie nakręconych na dzielenie się z nami swoimi doświadczeniami. Nie sposób z tego nie skorzystać! Dzięki uprzejmości organizatorów konferencji (Magdy i Jarka z firmy Polidea) i ułatwieniu kontaktu z zagranicznymi prelegentami, przeprowadzam właśnie rozmowy z siedmioma z nich, którzy podczas mojego skrupulatnego przeglądu agendy konferencji, zainteresowali mnie najbardziej. Wszystkie zrealizowane wywiady będę po kolei publikować na blogu.

Wczoraj udało mi się złapać na Skypie Cristiano Betta, który pełni rolę Developer Advocate w firmie Braintree (postanowiłam pozostać przy anglojęzycznym brzmieniu jego stanowiska, bo tłumaczenie na polski jakoś tak nie chce sprowadzić się do niczego innego niż… Adwokata Diabła ;).

Dla tych, którzy nie są zorientowani w temacie, Braintree to firma, rozwijająca autorskie oprogramowanie dla płatności internetowych, która półtora roku temu została kupiona przez PayPal. Niecałe pół roku temu uruchomiła usługę dla płatności mobilnych o nazwie One Touch, dzięki której finalizacja zakupów, dokonywanych w sklepach i aplikacjach mobilnych staje się szybsza niż dotychczas.

Bo jak wiecie proces check-out’u, realizowany na małym ekranie, bywa trudny. Konieczność przełączania się pomiędzy różnymi systemami, różnych dostawców usług finansowych, konieczność podawania swoich danych płatniczych w formularzach, nie zawsze zoptymalizowanych pod mobile zdecydowanie zniechęcają wielu użytkowników do zakupów na smartfonach. Pomysł Braintree jest taki, aby nie trzeba było podawać swoich danych do płatności, One Touch ma pamiętać je z poprzednich transakcji użytkownika. Byłoby nieco prościej i szybciej, prawda?

O nim i o spojrzeniu Cristiano na przyszłość płatności mobilnych przeczytacie więcej poniżej, w zapisie naszej rozmowy. Postanowiłam nie tłumaczyć jej na polski, by nie tracić nic zarówno z jego, jak i mojego uroku osobistego, gdy rozmawiamy w języku angielskim ;-)

Cristiano Betta wystąpi podczas drugiego dnia konferencji Mobile Central Europe, 05. lutego 2015, o godzinie 15, z tematem „A Credit Card Walks Into A Bar”. Na pewno zobaczycie mnie na sali wśród słuchaczy :-) Tymczasem życzę miłej lektury!

According to the topic of your talk, so what happens if a credit card walks into a bar? :)

Ha! So it’s the start of a joke, which is a bit of a sad joke. See, there is this notorious master of payments (the credit card) that likes to be kidnapped, is easy to abuse, has a habit of bringing out the worst in UX, and loves to spread his digits all over the internet. At the same time more and more people are paying online for everything, including their flights, groceries, and beer (hence the Bar). And then some times bad things happen: companies lose people’s credit card details, they ask them 5000 questions to make sure they are who they are, and so on. In other words: the world of e-commerce – and more specifically paying for things with a credit card – still has a long way to go in UX. So my talk takes a funny look at the worst examples.

I get your point. But… there is a longer way to go for mobile payments than credit cards. People do not see yet mobile payments as simply and safe solutions, don’t they?

I agree that there are some that don’t, but that doesn’t mean the technology to do so isn’t here already. The industry is always evolving and constantly trying to provide new, more secure, and more simplified ways for customers to pay. The exciting thing is that multiple players, including PayPal with One Touch, are working on making an online payment as easy as possible.

But to add to that… I don’t think mobile payments are just a technical problem. It’s just as much about trust and context. We’ve been considering for example at PayPal a way to pay for something on your mobile where you only decide what funding source you used at a later date. This way you can put trust into a customer to just pay for something without having them have to make the cognitive decision as to what card, bank account, etc is paying for it.

Our new Braintree SDK accepts these payments methods and also makes it easier to convert returning customers without requiring new credit card details every time they return.

PayPal OneTouch is actually the next big product for mobile commerce. Please tell me a little bit more about it.

One Touch is part of the Braintree V.zero SDK. V.zero is our SDK that accepts, Credit Card, PayPal, BitCoin, Apple Pay and Bank Transfers. It gives a merchant a way to charge their customers the way THEY want to pay.

An extra layer on top of this SDK we offer One Touch, which allows for seamless payments by leveraging apps on your phone that already have your payment details (like the PayPal app, and in the USA also the Venmo app for card details).

So basically with this SDK a customer can click the PayPal button in your app, it switches over to the PayPal app, the user logs in, and then returns to the merchant app with their payment details ready to go.

PayPal One Touch was launched a few month ago. Are you familiar with the actual number of its users?

We have some stats in the blog posts: One Touch Momentum, One Touch International, as well as a case study of Beautylish, which give some insight into this.

Let’s get back to retail. What’s your honest opinion on payments done there with a mobile device. Can they really compete (and win) with the debit and credit cards? Will we ever get rid of credit cards?

What makes these kind of payments exciting to me is the doors it opens. A credit card on its own is a very “dumb” device, it doesn’t do much.

Your phone is a smart and connected device, which opens up an amazing amount of possibilities for both security and usability of mobile payments.
Imagine you walk into a store and the store already knows who you are by the time you get to the counter. Imagine paying by saying “I’d like to pay” and then getting a confirmation on your smart watch. All of this is possible when you introduce mobile phones into the mix and that excites me!

Now will we get rid of CC’s? I don’t think so, not for a while. Just look at phone numbers: do we still really need those? Probably not but we still use them as a representation format. I can imagine though that at some point that we might get a credit card number from our bank, but no physical card. But I think we’re still far away from that…

Maybe in the future we will be bored with paying with watches and start paying with… what? A thumb? ;)

A thumb can’t be changed, revoked, and is therefore not very secure on its own. But it’s an interesting factor in an N-factor authentication scheme, which might include your thumb, your watch, your phone, a beacon, and your heartbeat. Your phone will be at  the core of this though combining these N-factors together to make a more seamless and secure experience.

True. My last question is where are you heading in Braintree with mobile payments? How the mobile payments will look like in 5 years according to Braintree’s vision?

Braintree is for now really focussing on web and on-mobile payments. We also support Apple Pay through our V.zero SDK, so anyone using V.zero on iOS can use it to integrate Apple Pay. As for in-store mobile payments: PayPal is looking into this through a few programs and initiatives. We have PayPal Check-In, PayPal Here, PayPal Beacon and we are part of the FIDO Alliance in our wider aim to get rid of passwords.

I think my example of walking into a shop and confirming a payment without taking your phone or a card out of your pocket would be my vision of mobile payments in 5 years, using wearables, beacons and other new and undiscovered bits of IoT…

Thank you for your time. Good luck on your ongoing projects!

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