Samsung ya gabatar da fewan kwanakin da suka gabata Samsung Pay, tsarin biyan kuɗi na wayoyin hannu wanda yake aiki iri ɗaya da na Apple Pay, amma yana da fa'ida: dacewa da tsohuwar tashar biyan kuɗi. Duk da yake Apple Pay yana aiki ta amfani da NFC, sabili da haka ya zama dole ga tashar biyan kudi ta mallaki wannan fasahar, Samsung Pay yayi amfani da NFC da kuma MST, fasahar da zata sa ta dace da tsofaffin tashoshi, ba tare da NFC ba. Abin da fifiko yake da alama babbar fa'ida ce a aikace kawai labari ne, kuma muna gaya muku dalilin.
Turai, aljannar NFC
Gabatar da fasahar biyan kuɗi mara lamba ko mara lamba a cikin Turai yana cikin saurin da ba za a iya dakatar da shi ba. Dangane da bayanai daga VISA, akwai katunan VISA marasa lamba sama da miliyan 130 a cikin Turai, kuma a lokacin 2014 sama da ma'amaloli biliyan 1000 da suka kai Euro biliyan 12.600 (mun nace, VISA kawai muke magana). Kuma bayanan na 2015 zai fi kyau, tunda in babu bayanan shekara-shekara, kawai a cikin watan Maris na wannan shekara masu amfani da katin VISA marasa amfani sun kashe euro biliyan 1.600, tare da jimillar ayyukan da aka gudanar a wannan lokacin wanda ya ninka wanda ya yi rijista ninki uku a daidai wannan lokacin na 2014. A cewar VISA, akwai tashoshin NFC sama da miliyan 26 a duk faɗin nahiyar, kuma suna fatan kaiwa 100% na tashar zuwa 2020.
Babbar kasuwa mafi mahimmanci don irin wannan biyan ita ce Kingdomasar Ingila, tare da ma'amaloli miliyan 52,6 da aka gudanar kawai a cikin watan Maris, sannan Poland tare da miliyan 49,7. Ba daidaituwa ba ne cewa Ingila ita ce ƙasar da Apple ta zaɓa don zuwan Apple Pay zuwa Turai.
Spain, wacce take da mafi yawan tashoshin NFC da aka girka
A Spain, adadin katunan mara lamba (VISA) sun haɓaka sama da shekarar bara fiye da 87%, tare da jimlar katunan miliyan 11,5 da aka bayar (25% na duka) da kuma maki 593.000 na tashar sayarwa (50% na duka). Jajircewar manyan kamfanoni kamar El Corte Inglés, Repsol, Carrefour, Caprabo, IKEA, Rodilla, McDonald's ko Mercadona waɗanda tuni suka daidaita tashoshin su zuwa biyan kuɗi mara lamba zai ba da gudummawa don faɗaɗa irin wannan biyan har ma da sauri. A cewar bayanan VISA, an gudanar da ayyuka a cikin Spain a cikin watan Maris na jimlar Euro miliyan 447,8.
Amurka, a cikin jerin gwano amma na ɗan gajeren lokaci
Abin mamaki ya isa, abubuwa sun yi nisa a kan nahiyar Amurka. A Amurka, biyan kuɗi mara lamba har yanzu suna cikin ƙuruciya. Aiwatar da Apple Pay ya sanya manyan sarƙoƙin kasuwanci suka aiwatar da wannan tsarin, amma a cikin ƙananan kasuwancin har yanzu akwai sauran aiki a gaba. Amma wannan yana da ranar karewa, saboda a cikin Oktoba na wannan shekara duk tashoshin biyan kuɗi dole ne su dace da katunan microchip, wanda muke amfani dashi a cikin sauran duniya na dogon lokaci. Wannan yana nufin cewa duk tsoffin tashoshin biyan kudi wasu zasu dace da wannan fasahar, sannan kuma tare da wadanda basu iya tuntuba.
Wayar salula zata ƙayyade hanyar biyan, ba wata hanyar ba
Bayan karanta duk waɗannan bayanan ya bayyana a sarari cewa Fasahar MST ta makara, saboda tsalle zuwa biyan kuɗi mara lamba ya riga ya fara kuma ba za a iya dakatar da shi ba, musamman a Turai. A cikin kasuwa daya tilo da zata samu dama ita ce Amurka, wanda a ciki an riga an aiwatar da Apple Pay tare da babban nasara, kuma har zuwa ƙarshen shekara za'a sabunta tashoshin ta wasu da suka fi zamani wanda zai haɗa NFC.
Amma koda kuwa duk wannan ba haka bane, masana sun faɗi haka tsarin biyan bashin da masu amfani zasu yi amfani dashi ne zai iya tantancewa ta wayar salula da muke da ita, kuma ba wata hanyar ba. Apple Pay ko Samsung Pay ba za su yanke shawarar wacce wayar da za mu saya ba, maimakon haka za mu sayi wata waya ta zamani gwargwadon dandano ko bayanan duniya, kuma za mu yi amfani da tsarin biyan kudin da ya hada. Kuma a nan Samsung yana da wata matsala, kuma ba a kira shi Apple ba, amma Google. Saboda Google Wallet zai zo an girka shi a yawancin tashoshin Samsung, tunda masu aiki da waya zasu iya gyara tsarin aiki na Android don girka aikace-aikacen su, kuma AT&T, Verizon da T-Mobile sun riga sun tabbatar da cewa zasu saka shi a tashar su.