行動現金存取 (2017年):數位銀行和快取利用的聯合的客戶參與的確立

本報告提供行動現金存取相關金融機關的配合措施調查，實現行動現金存取的各種方法，實行技術與特徵，ID認證等級與詐騙對策，消費者意識、期待，引進步調預測，潛在的市場機會等彙整資料。

本調查的重點

• NFC、QR編碼:美國的行動現金存取的2大重要技術主要的差異、通用屬性
• 可應對詐騙的ID認證等級的擴張
• 獨家調查資料:行動現金存取的接受度高的客戶區隔、堅持卡片利用的客戶區隔的識別
• 引進步調的預測
• 行動現金存取帶來的潛在的市場機會

Ways to pay continue to evolve and diversify, but cash remains a core means to complete transactions. While financial institutions (FIs) are rapidly shifting to digital and mobile banking to increase interactions with customers, they can benefit by enabling "mobile cash access" for account holders. This method essentially lets a banking customer substitute a smartphone for an ATM, debit, or prepaid card and its associated PIN to withdraw cash at an ATM that has been modified to support transactions "pre-staged" via the mobile device. Financial institutions that view expansion of the ATM channel as an opportunity to further enrich their level of interaction with consumers will be well positioned to deliver value-added individualized customer experiences, primarily in the form of enhanced security and personal financial management, according to Mercator Advisory Group's latest research, Mobile Cash Access 2017: Engaging Customers by Linking Digital Banking to Cash.

This Mercator Advisory Group research report examines the various approaches to enabling mobile cash access, consumers' mindset and expectations about such transactions, and how the functionality goes beyond eliminating the card to deliver additional interactive opportunity and assurance.

"Day-to-day transactional banking activity is consolidating in the individual's mobile device, providing greater flexibility to the consumer and cost savings to the financial institution via intuitive self-service," commented Joseph Walent, Associate Director, Customer Interaction Advisory Service., the author of the report. "Mobile cash access is the natural progression of this directional expansion and will deliver additional touchpoints for financial institutions and consumers to engage and share information. The ability to set up cash withdrawal in advance of visiting an ATM will be just one way consumers will realize expanded engagement with financial institutions they use, conveying their intent rather than just recording the outcome."

This research note contains 19 pages and 9 exhibits.

One of the exhibits included in this report:

Highlights of the research report include:

• The marked differences and shared attributes of the two primary technologies in play enabling mobile cash access in the U.S.-NFC and QR Code
• Expanded depth of identity authentication available to combat fraud
• Proprietary survey data indicating which consumer segments are most likely to move quickly to embrace mobile cash access, and which are most likely hold onto their cards
• The expected pace of adoption
• Some of the potential opportunities mobile cash access introduces