Digital payments, particularly via digital wallets are becoming the new modern standard in payment systems. China in particular, has led the way in terms of living cashless with most urban regions normalizing not paying with physical cash or a plastic card. Taps or scans with a phone are becoming the everyday form of payment.
America has been slower to adopt things like smartphone payments, yet, apps like Venmo and the Apple Pay feature are normalizing not carrying cards or cash around with you at all times. Although, as earlier stated, cash and cards will always be something that is easily accepted.
Digital payment just opens up more avenues when it comes to being able to pay for something at a cafe, a boutique or out on a shopping spree. Let’s have a look at digital payment trends your customers are likely to follow in 2020
Many people have installed Google Home or Amazon Alexa in their homes. Furthermore, anyone with an iPhone already knows that Siri is a useful app that listens to your commands. Since voice command assistants are becoming all the more ubiquitous, companies are starting to accommodate customers making complete transactions through voice commands.
Bank of America is using Erica, their digital voice assistant to help customers in handling their accounts and making payments and transactions. Voice commands are becoming more of a tool that busy people rely on. Automated call center bots that have been previously used were clunky, inefficient and sometimes a pain to try and use. The improved voice command assistant technology will be innovative and efficient.
Fingerprint technology and facial recognition technology is something that is already well in place when it comes to device security. These features are used to streamline the payment process. Instead of manually entering seemingly endless credit card numbers and remembering passwords, face or fingerprint scanning is becoming the new norm. The technology when it comes to privacy and safety are still being improved upon as time goes by, and this is a legitimate concern for those that don’t want to participate in facial scanning or fingerprint scanning.
Social media apps are streamlining the payment process in that they will take care of the payments directly. Facebook, which also owns Instagram, allows users to make direct payments to registered vendors on their site. WeChat also has rebranded from a messaging app to a “lifestyle hub” when it comes to taking care of calendar planning, rideshare hailing, online shopping, and online payments.
These technological advances in the retail experience and the payment options available to consumers point to one end: making life easier for customers. Innovation in the retail sector makes it easier to make a payment, easier to find clothes that fit, easier to find what it is you’re looking for and easier to go about your day without having to worry.
Mike Patel is the Founder and CEO of ioVista, a leading digital commerce agency specializing in eCommerce solutions. With a strong background in business and technology, Mike Patel has been at the forefront of driving digital transformations for businesses. He has successfully navigated the ever-changing landscape of eCommerce, helping companies leverage the power of online platforms to grow their brand, increase revenues, and optimize their digital presence. Under his leadership, ioVista has become a trusted partner with major technology companies: Adobe/Magento, Google, BigCommerce, Shopify, and Yahoo. He is dedicated to staying ahead of industry trends, adopting cutting-edge technologies, and continuously improving strategies to provide clients with a competitive edge. Mike’s commitment to excellence and client satisfaction is evident in every project ioVista undertakes.
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ioVista
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Our website implements the ARIA attributes (Accessible Rich Internet Applications) technique, alongside various different behavioral changes, to ensure blind users visiting with screen-readers are able to read, comprehend, and enjoy the website’s functions. As soon as a user with a screen-reader enters your site, they immediately receive a prompt to enter the Screen-Reader Profile so they can browse and operate your site effectively. Here’s how our website covers some of the most important screen-reader requirements, alongside console screenshots of code examples:
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Despite our very best efforts to allow anybody to adjust the website to their needs, there may still be pages or sections that are not fully accessible, are in the process of becoming accessible, or are lacking an adequate technological solution to make them accessible. Still, we are continually improving our accessibility, adding, updating and improving its options and features, and developing and adopting new technologies. All this is meant to reach the optimal level of accessibility, following technological advancements. For any assistance, please reach out to
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