Insight Report: The Future of Apple Pay
|出版日期||內容資訊||英文 33 Pages
|Apple Pay的未來性 Insight Report: The Future of Apple Pay|
|出版日期: 2015年02月11日||內容資訊: 英文 33 Pages||
Apple Pay是在行動付款的演進中劃時代的事件，Forbes受評價為全球最有價值的品牌。許多人預想Apple Pay今後3∼5年之間將大幅改變行動付款的世界。Apple方面目前採用與主要的卡網路和卡發行企業，加盟店業務企業合作的方法。美國國內遵照EMV規格，加盟店將POS終端轉換至NFC (單距離無線通訊) 支援型時，謀求普及。可是，加盟店的收費率設定，尤其是國際交易的情況，可能跟其他公司產生糾紛。在美國國外的普及預測和問題點，議論者意見出現分歧，既有「由於歐洲中轉費低Apple Pay不積極進入」的意見，又有「Apple方面對Apple Pay的高收益從最初就不抱期待，防止自家公司品的商品化才是最大的目的」的意見。
本報告提供Apple Pay對行動付款解決方案的技術、市場帶來的影響度相關分析，Apple Pay的引進推動因素與未來的課題，付款的安全相關影響度，對消費者方面、加盟店方面的見解，市場相關人員、競爭企業的潛在影響，變革Apple Pay行動付款/NFC市場的可能性等相關調查與考察。
Apple Pay is a major milestone in the evolution of mobile payments, partly as it bears what Forbes lists as the world's most valuable brand. Apple Pay is seen by many as an inflection point, and its development over the next three to five years has the potential to shape the payments industry for decades to come. According to Apple CEO Tim Cook, Apple only ventures into areas where it can control the primary technology, which perhaps hints at Apple's plans in the payment industry.
Apple's current business model follows a cooperative approach, with almost all major card networks, issuers and acquirers supporting the launch of Apple Pay. EMV migration in the US plays a pivotal role in Apple Pay's adoption. Merchants are in the process of upgrading their POS terminals to EMV, which in most cases will also comprise NFC hardware (NFC-capable terminals). These terminals only require a simple software upgrade to be activated (NFC-enabled terminals). POS vendors and acquirers are expected to offer bundled deals for merchants to simultaneously upgrade their terminals to EMV and NFC, resulting in an accelerated expansion of NFC acceptance.
However, Apple could face a challenge in terms of allocation of merchant service charges with other payment participants, especially as regulators across the world cap interchange fees. Timetric's primary research has identified different points of view regarding the expansion of Apple Pay beyond the US. Some industry experts argue that low interchange fees outside the US, especially in Europe, will discourage Apple from entering these markets, while others stress that Apple is not expecting substantial profits from Apple Pay; the solution is mainly intended to decrease the commoditization of Apple's products.
The report provides insights into Apple's mobile payment solution, Apple Pay: