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Vous Avez Dit Mobile Payment Et Wallet ?

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Vous Avez Dit Mobile Payment Et Wallet ? VOUS AVEZ DIT OPUS MOBILE PAYMENT E 2 MAI 2020 ET WALLET ? État des lieux et perspectives en France et à l’étranger 03 MAI 2020 ÉDITORIAL Malgré tout, notre propos n’a pas changé : face à la montée en puissance des paie- ments digitaux, il s’agit au fil des ans, de comprendre les rouages de ces services, interpréter leur diversité et leur dyna- mique, analyser les stratégies et parcours des acteurs en lice, recenser des innova- tions ou inflexions notables, expliciter les raisons des succès ou des échecs, esquis- ser des scenarii pour demain… A l’aune du phénomène qui devrait res- ter longtemps ancré dans nos mémoires, nous pouvons aussi nous interroger si des modes de paiement alternatifs ne corres- pondraient pas à des modes de vie alter- natifs. Les contraintes subies par les consom- Au moment où nous écrivons ces lignes, mateurs et les entreprises impulsent en nous ne pouvons que songer tout d’abord effet de nouveaux réflexes et des prises à l’intensité sans précédent du choc dû à de conscience multiples qui pourraient la crise sanitaire, choc qui a généré et gé- s’avérer durables : achats plus ciblés et lo- nérera des méfaits considérables. caux ; déplacements dosés ; accélération de la digitalisation et des services à dis- Bien entendu, nous espérons profon- tance (santé, travail, éducation, loisirs…) ; dément que nous réussirons collective- appétence indiscutable pour le e-com- ment à surmonter toutes les épreuves merce et le clic & collect ; recherche de auxquelles nous sommes confrontés et praticité, sécurité et transparence ; vertus qui sait, à en tirer tous les enseignements du paiement sans contact qui n’a jamais si pour inventer un monde meilleur. bien porté son nom etc… La créativité, l’adaptabilité et la solidarité Sans présager de la nature des impacts exceptionnelles dont nous savons faire qui se révèleront encore d’ici fin 2020 et preuve, riment avec changement/ajus- bien au-delà, portons un regard sur l’an- tement de nos habitudes et comporte- née écoulée au titre des paiements digi- ments. taux et imaginons ce qui pourrait advenir dans un futur proche ou plus lointain. Il en va notamment de nos façons de tra- vailler, voyager, acheter, consommer… et Comme à l’accoutumée, il n’est nulle- de payer. ment question ici d’être exhaustif mais plutôt de révéler des faits et tendances En juin 2019, nous avions réalisé un pre- qui permettent de bien appréhender les mier Opus dédié aux wallets et aux paie- diverses facettes et déclinaisons du mar- ments mobiles (nous invitons celles et ché des wallets et des paiements mobiles. ceux qui ne l’auraient pas lu à le télé- charger sur notre site www.syrtals-cards. Nous vous souhaitons bonne lecture de com). Nous publions aujourd’hui une ce second Opus et accueillerons volon- seconde édition dans un contexte bien tiers vos remarques, critiques et sugges- singulier et différent du précédent. tions pour en améliorer les contenus. Angelo CACI 04 MAI 2020 SOMMAIRE DIVERSITÉ DES SERVICES 1 DE PAIEMENT DIGITAL ......................................... 7-9 FACTEURS FAVORABLES AU 2 DEVELOPPEMENT DES WALLETS ET DU MOBILE PAYMENT DANS LE MONDE ...... 11-21 • Une tendance de fond… ...................................12 • …Impactée par l’effet Covid 19 .......................13 Incidences sur les comportement d’achats et sur les modes de paiement digitaux DES SITUATIONS ENCORE 3 CONTRASTÉES SELON LES GÉOGRAPHIES ET LES CONTEXTES ........... 23 • Chine, Inde, Afrique Subsaharienne, Pays Scandinaves, États-Unis, Royaume-Uni, Italie, Amérique Latine 05 MAI 2020 SOMMAIRE DES ACTEURS NE JOUANT PAS 4 DANS LA MEME COUR ........................................ 37-49 • Schemes ..............................................................38 • X-PAY : Apple, Google, Samsung... .................38 • Géant du web .....................................................41 • Wallets Chinois ...................................................42 • Banques ...............................................................45 • Retailers ...............................................................48 • Opérateurs télécom ..........................................48 • Autres acteurs .....................................................49 ENJEUX ET 5 PERSPECTIVES ........................................................... 51 FOCUS SUR 6 LA FRANCE ................................................................... 57 CONCLUSION ................................................................ 60 DIVERSITÉ1 DES SERVICES DE PAIEMENT DIGITAL 08 MAI 2020 Dans notre première édition, nous avions volontairement regardé dans le rétroviseur pour évoquer la genèse des e-wallets et des services de paiement mobile ainsi que leur convergence vers l’ère des wallets digitaux. De même avions-nous abordé les raisons essentielles qui pouvaient présider à leur succès, à leur déroute ou à leur lente progression. À l’instar de la description que nous en up ; retailer ; fabricant de smartphone ; faisions alors, nous pouvons les classer card scheme…) dans plusieurs grandes catégories au gré • Couverture géographique (nationale, d’un certain nombre de critères permet- régionale, internationale) tant de les différencier : • Fonctionnalités additionnelles proposées • Types de paiement autorisés (in-store, • Vocation universelle ou privative remote ; PtoP ; PtoB ; transit) • Statut du provider (banque ; établisse- • Technologies d’interaction mobile ment de paiement/de monnaie électro- (NFC, QR Code, USSD, MST, Blue Too- nique ou leur équivalent dans les pays en th…)* question…) • Sous-jacents d’alimentation et de dé- nouement du paiement (carte, compte A titre d’illustration et sans volonté de bancaire, monnaie électronique, es- complétude aucune, voici un tableau po- pèces…) sitionnant une sélection d’acteurs dans le • Origine/parenté de la société (géant du monde eu égard à quelques-uns de ces web ; banque ; opérateur télécom ; start- facteurs. SOUS-JACENT NOM GÉOGRAPHIE ORIGINE SYSTÈME SERVICES TECHNOLOGIE DE PAIEMENT PtoP, Chine + Géant Alipay Universel proximité, en ligne, QR Code Carte, compte International du web transit... Paiement en ligne, Fabricant in-app, proximité + USA + Apple Pay de télé- Universel PtoP et transit NFC Carte International phones (dans certains pays) Paiement en ligne, in-app, proximité + NFC Google Géant du International Universel PtoP et transit (QR code Carte Pay web (dans certains en Inde) pays) France + dé- PtoP+ Lydia marche régio- Start-Up Universel QR Code Carte paiement nale en cours 09 MAI 2020 SOUS-JACENT NOM GÉOGRAPHIE ORIGINE SYSTÈME SERVICES TECHNOLOGIE DE PAIEMENT Régional Opérateur PtoP, paiements, M-Pesa Universel USSD Mobile Money (Afrique) télécom factures, crédit… Mercado Régional (Amé- Géant du Universel Proximité, en ligne QR Code Cash, carte Pago rique Latine) web Régional PtoP, proximité, en Blue Tooth et QR Virement et MobilePay Banque Universel (Scandinavie) ligne… Code carte Régional Orange (Afrique, Opérateur PtoP, paiements, Universel USSD Mobile Money Money Moyen-Orient, télécom factures,… Europe) Régional (Be- Coalition PtoP, proximité, en Virement et Payconiq Universel NFC et QR Code nelux) bancaire ligne carte National Coalition PtoP, proximité, en Carte et Instant Paylib Universel NFC (France) bancaire ligne Payment En ligne, PtoP, Paypal International PSP Universel QR code Carte, compte proximité… Proximité, en ligne Fabricant Samsung Corée + Inter- + PtoP, transit de télé- Universel NFC et MST Carte Pay national (dans certains phones pays) Starbucks USA + Régional Retailer Privatif Proximité QR Code Carte National Coalition PtoP, proximité, en Swish Universel QR Code Virement (Suède) bancaire ligne Chine + Inter- Proximité, online, UnionPay Scheme Universel QR Code et NFC Carte national transit Walmart- National (USA) Retailer Privatif Proximité QR code Carte Pay Chine + Inter- Géant du PtoP, proximité, en Wechatpay Universel QR Code Carte, compte national web ligne, transit... Coalition Zelle National (USA) Universel PtoP Virement bancaire *NFC (Near Field Communication), QR Code (Quick Response Code), USSD (Unstructured Supplementary Service Data), MST (Magnetic Secure Transmission) Dans cette arène des wallets digitaux, il y marque forte ; expérience client exem- a donc pléthore de belligérants qui natu- plaire ; volumes de transactions ; capacité rellement n’ont pas la même stature, ni les de conviction et d’attraction pour bâtir un mêmes notoriété et ambition. écosystème solide et pérenne ; perfor- mances technologiques…, quand d’autres Certains ont « raflé » la mise et se sont auront des capacités et un périmètre imposés dans leur pays ou à l’échelle in- d’action plus limités, même si leur réussite ternationale quand d’autres essaient de se peut être tout à fait enviable. faire une place au soleil dans un segment particulier ou un terrain de prédilection. Les derniers ne pourront enfin que tom- ber les armes et se résoudre à convoler Les mieux armés en effet sont ceux en avec d’autres noceurs ou à céder aux si- mesure d’aligner des atouts majeurs : rènes des plus beaux prétendants. nombre de clients ; moyens financiers ; FACTEURS FAVORABLES2 AU DEVELOPPEMENT DES WALLETS ET DU MOBILE PAYMENT DANS LE MONDE 12 MAI 2020 UNE TENDANCE DE FOND… Sans surprise aucune, les volumes de transactions e-commerce continuent leur ascension sans faille sous toutes les latitudes avec, le plus souvent, des croissances à 2 chiffres. Au plan mondial, cela a représenté en 2019 de l’ordre de 3.500 milliards $ de ventes online (+ 18 % vs 2018), soit environ 16 % des ventes retail dans
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