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Sub-Saharan Africa: A major potential revenue opportunity for digital payments | McKinsey

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Definition: Penetration defines how many users are there for a product. Customers do not mind paying a little extra because, they are only able to get that .

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U.S. Consumer Payments Outlook Through 2020

Description:Now more than ever, consumers demand the ability to pay their bills and receive credit immediately, whether to avoid a late fee, ensure uninterrupted service or keep their credit rating high. The proliferation of smartphones and tablets, in addition to PC penetration, has heightened the belief that payments, just like online shopping, can be made any day, at any time, from anywhere. Year-over-year transaction growth indicates that consumers like to use debit cards to pay for life's necessities. Direct Bill Payment, also known as PINless bill payment because the consumer doesn't use a personal identification number PIN to make the payment, has enjoyed phenomenal biller acceptance and growth since its introduction in Accepting PINless payments can dramatically reduce your bill payment processing and check and cash handling expenses while making your interchange expenses lower than credit or signature debit rates. Of course, in addition to operational efficiencies and cost savings, Direct Bill Payment provides greater payment choice and convenience for your bill-paying customers.

Views: 8107 Date: 2018-08-03 Favorited: 95 favorites

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