Evolution of the payment by mobile in France

Résumé du document

In France, checks used to be the main means of payment, in 1997 it represented 47% of the whole means of payments. However, the usage of checks decreased by approximately 2.4% each year and in 2005, it just represented 28.8% against 37.1% of the bank cards. Bank cards and takings are the two more dynamics means of payments, contrary to checks and also cash which represents less than 1%. In fact, we generally pay in cash only for small amounts that can explain this small percentage. By this evolution we can notice that there is a dematerialization of the means of payments. People want more convenient ways to pay, cash and checks are perceived to be too binding. It's interesting because people use more and more ways of paying which are not physical or tangible but fictitious. That is to say, that people trust in the technology because in fact, with bank cards and takings they don't see their money, all is inviolable. This is an important positive point concerning the development of the payment by mobile phone because it is inscribing in the continuity of the evolution of the means of payment in France.

Extraits

[...] In Japan, there are estimated at more than forty millions against less than five millions in France. In addition to, Japanese are more aware of the new technologies. The positive fact is that most of mobile phones sold actually in France are now equipped with the NFC chip so this number will rapidly grow. The equipment is obviously the main factor to the set up of the m-payment, because if not enough people can use it, it would be useless. [...]

[...] It is either a man or a woman, the parity was almost respected with fifty one percent of men and forty nine percent of women. Profile of the interviewed person: The reason why I choose to interviewed especially young people is that of course it was more practical for me but also because this slice of population is the one which use this kind of technology and are more aware about it. They are the one who will use the m-payment tomorrow more than every others part of the population so I think their opinion is really important and relevant. [...]

[...] But we saw that it's not the main challenge because the three operators believe in this project even if they don't spend the same energy to develop it. In fact, there were the motors of the tests lead in Caen and Strasbourg with others firms. The following question was: What do you use it principally for? The goal of this question is to see the evolution of the use of the mobile phone. Because, some analysts affirmed that multimedia represents bigger incomes than the function of phoning itself. [...]

[...] Concerning the government, they don't take any position on the subject yet, however we can guess that it not possible to take restrictive laws on the m-payment because it would have no real sense and it just can encourage it. The political context is quiet positive. Economical: As we have already said, economically it's an opportunity because it doesn't additional costs to use the service so almost everybody could use it without paying. That is to say, economically there are no barriers, anyone who own a mobile equipped with the chip can use the payment, the potential is big. [...]

[...] The two following questions are open one, that is to say answers are numerous. We are going to see what is relevant and what the answers the most quoted are. The question five was: What service you don't have actually, would you like to equip your mobile with? Answers were interesting, sometimes sticking sometimes amazing. The purpose of this question was to see if some people will talk about paying with the mobile without knowing about what the survey was dealing about at this stage. [...]