對自動駕駛汽車/聯網汽車和支付的影響

自動駕駛汽車 (AV) 是一個快速發展的類別，在美國和世界各地都有試點計劃和小規模部署和部署。此外，隨著新型冠狀病毒感染（COVID-19），消費者對使用非接觸式送貨方式和自動駕駛送貨機器人和車輛的需求增加並被廣泛接受。

對於自動駕駛汽車，有人討論過全自動汽車在城市地區載人。但實際上，最先進的實驗和實施是在攜帶行李和食物而不是人（零乘客）以及在預先定義的路線而不是靈活路線上移動的領域。..自動駕駛汽車也將對支付生態系統產生重大影響。

自動駕駛汽車的優勢包括節省時間和成本、方便、對環境影響小以及減少人員需求（尤其是在勞動力稀缺的地區）。然而，自動駕駛汽車的普及也存在各種問題，例如基礎設施、法律和安全問題。公司正在多個地點測試不同的用途，並將從一種情況中獲得的經驗應用於另一種情況（從叫車到卡車運輸再到區域交付）。

本報告分析了自動駕駛汽車（AV）和聯網汽車領域的未來支付，並描述了自動駕駛汽車的預期收益、需要解決的問題、未來的傳播和利用前景等. 我們正在調查和考慮對支付行業的影響。

本報告分析

• 更快、更安全、更方便和更安全的送貨方式將導致購買量增加
• 自動駕駛移動銷售車拓展業務領域和時間
• 數字跟蹤：通過優化分類，最大限度地減少缺貨並最大限度地提高利潤
• 安裝在自動駕駛汽車中的攝像頭和傳感器：防盜和交付跟蹤的預期效果
• 商店、支付系統、送貨服務和消費者之間的利潤分享：需要解決的重要問題

New report from Mercator Advisory Group looks into the future of payments in a connected environment.

Mercator Advisory Group's most recent report, “ Autonomous Vehicles, Connected Vehicles, and Their Impact on Payments” , finds that autonomous vehicles (AVs) is a quickly evolving category with pilot programs, small scale deployments, and implementations happening across the U.S. and the globe. Covid-19 has led to new areas of focus and implementation, speeding up and expanding trial and usage of contactless purchases, payments, and deliveries. The pandemic increased consumer need for, exposure to, and acceptance of contactless delivery and the use of autonomous delivery robots and vehicles.

While much of the AV publicity is related to fully automated self-driving cars moving people in cities, the reality is that the most advanced trials and implementations are happening in the areas of moving packages and food rather than people (zero-occupant) and moving along predefined paths rather than flexible routes. Walmart has been testing self-driving truck and drone deliveries. Amazon has been making deliveries with its autonomous robot, Scout. Uber recently spun out the Postmates X robotics unit under the name Serve Robotics, which has been making deliveries in Southern California. Autonomous vehicles will have a major impact on the payments ecosystem.

AV benefits include time and cost savings, convenience, a smaller environmental impact, and reduced staffing requirements, a particular advantage in areas where there are labor shortages. However, there are also a number of challenges associated with the widespread adoption of autonomous vehicles, including those related to infrastructure, legislation, and safety concerns. Companies are testing a range of uses in multiple locations and applying the learning from one situation to the others (e.g., from ride hailing to trucking to local delivery).

"This is a highly impactful report," stated the author of the report, Don Apgar, Director of the Merchant Services and Acquiring practice at Mercator Advisory Group. "We are following this among a number of similar technology trends that are making payments a frictionless and invisible part of our everyday activities."

Highlights of this report include:

• Faster, safer, convenient, and more secure delivery options will lead to incremental purchases.

• AV stores on wheels will offer an expanded geographic footprint and hours.

• Digital tracking will help merchants minimize out of stocks and optimize the assortment they offer to maximize profits.

• The cameras and sensors added to AVs should help with minimizing theft and tracking deliveries.

• Key questions will need to be answered regarding the distribution of benefits among merchants, payment systems, delivery services, and consumers.