Online payment is now commonplace and the bank card makes everyday life easier for many consumers. And tomorrow, what will the rules be? How do users see the future of online payment? This is the subject of a campaign carried out by EDF Pulse & You to which the Pulsers have agreed to respond. Review of this co-innovation campaign.
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Easy to use, the bank card seems to be the preferred means of payment of the French, even if, with a number with several digits, it is not always practical. As for its secure aspect, time is to be cautious. In 2020, Internet fraud recorded an increase of 16.4% compared to the previous year (2020 annual report – Observatory for the security of means of payment of the Banque de France). A figure due in particular to the increased enthusiasm of the French for e-commerce.
The bank card, a tool popular with the Pulseurs
Of the 174 people registered as part of the campagne EDF Pulse & You, the contribution rate is 84%, a figure which shows the interest paid to the bank card. And that’s not all ! Recorded over the phone, the CB convinces 71% of contributors who have tested this payment method. But in the face of fraud, data security is omnipresent in the responses of the Pulsers. They prefer its speed of execution, its practicality and its simplicity of use. For online purchases, the bank card, mostly used (57% of testers), supplants Paypal (37%), the famous online payment platform.
The bank card / online payments report also makes it possible to highlight light the principle of cryptomonnaies. Dedicated to the payment of purchases on the Internet, they cause some reluctance and 63% of kickers are not completely won over. The big one volatility of their worrying value for routine use.
Online payment by credit card, findings and ideas for the future
The countryside ” Tomorrow, pay by credit card online, how is it going? Was intended to understand the relationship of users with their credit card, but also to imagine the future of this method of payment. Thus, it made it possible to understand what is the “ideal” online payment process. The contributors would like, upstream of the settlement, to be warned by SMS or e-mail the invoice to pay, or even be informed of the evolution of it to adjust their budget. During the payment process, the Pulsers approve the security steps (3D Secure code via SMS) provided that they remain limited. They also appreciate being able to choose the payment date, split payment and validation of direct debits. Finally, they consider it necessary to receive an SMS validating the payment and find it appropriate to be notified of the purchase on their loyalty program.
Finally, through their comments and ideas, the Pulsers expressed a wish, that of making online payment more secure through various options. CB registration and scanning would be appreciated solutions. Likewise, sending a direct link to secure payment areas is presented as a functionality that can be established. The biometrics could also become a reliable solution to secure purchases on the Net.
Article produced in partnership with the EDF Pulse and You teams.
What you must remember
- This EDF Pulse & You campaign took place from June 28 to August 30, 2021. The aim was to demonstrate the current path of online payment by bank card, but also to put forward ideas for improving this process.
- The most active contributors were rewarded with gifts.
- Other campaigns are regularly put online.
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