AbakwaSamsung bethule ezinsukwini ezimbalwa ezedlule iSamsung Pay, uhlelo lwayo lokukhokha lweselula olusebenza ngendlela efanayo ne-Apple Pay, kepha olunenzuzo: ukuhambisana kwayo netheminali yakudala yokukhokha. Ngenkathi i-Apple Pay isebenza isebenzisa i-NFC, ngakho-ke kuyadingeka ukuthi indawo yokukhokha ibe nalobu buchwepheshe, i-Samsung Pay isebenzisa i-NFC kanye ne-MST, ubuchwepheshe obuyenza ihambisane namatheminali amadala, ngaphandle kwe-NFC. Yini i-priori ebonakala iyinzuzo enkulu ekusebenziseni i-anecdote nje, futhi sikutshela ukuthi kungani.
IYurophu, ipharadesi le-NFC
Ukwethulwa kobuchwepheshe bokukhokha obungaxhunyanwa nabo noma obungaxhunyanwa nabo eYurophu kuhamba ngejubane elingenakuvinjelwa. Ngokuya ngemininingwane evela ku-VISA, kunamakhadi e-VISA angaphezu kwezigidi eziyi-130 eYurophu, kanti ngonyaka we-2014 kwenziwa ukuthengiselana okungaphezu kwezigidigidi ezi-1000 zama-euro ayizigidi eziyi-12.600 (siyaphikelela, sikhuluma ngeVISA kuphela). Futhi imininingwane yango-2015 izoba ngcono kakhulu, ngoba lapho kungekho idatha yonyaka, kuphela ngenyanga kaMashi walo nyaka abanikazi bamakhadi abangaxhunyanwa ne-VISA basebenzise ama-euro ayizigidi eziyi-1.600, kwenziwa imisebenzi ephelele phakathi nalesi sikhathi ephindwe kathathu ebhalisiwe esikhathini esifanayo sika-2014. Ngokuya nge-VISA, kunezikhungo ezingaphezu kwe-26 million ze-NFC kulo lonke izwekazi, futhi banethemba lokuthi bazofinyelela ku-100% wamatheminali ngo-2020.
Imakethe ebaluleke kakhulu yalolu hlobo lokukhokha kube yi-United Kingdom, ngokuthengiselana okuyizigidi ezingama-52,6 okwenziwe ngenyanga kaMashi kuphela, kulandelwa iPoland ngezigidi ezingama-49,7. Akumangalisi ukuthi i-United Kingdom kwakuyizwe elikhethwe yi-Apple ngokufika kwe-Apple Pay eYurophu.
ISpain, yona enamatheminali amaningi e-NFC afakiwe
ESpain, inani lamakhadi wokuxhumana (i-VISA) likhule ngaphezu konyaka odlule ngaphezu kuka-87%, nge inani lamakhadi ayizigidi eziyi-11,5 akhishiwe (ama-25% esewonke) namatheminali wamaphuzu wokuthengisa angama-593.000 (ama-50% esewonke). Ukuzibophezela kwemikhiqizo emikhulu efana ne-El Corte Inglés, Repsol, Carrefour, Caprabo, IKEA, Rodilla, McDonald's noma iMercadona asevele eguqule amatheminali abo ukuba akhokhelwe ngokungaxhunyaniseki ngokungangabazeki kuzosiza ekwenzeni ukwandiswa kwalolu hlobo lokukhokha kusheshe. Ngokuya ngemininingwane ye-VISA, ukusebenza kwengqikithi yama-euro ayizigidi ezingama-447,8 kwenziwa eSpain ngenyanga kaMashi.
I-United States, kulayini kodwa isikhashana
Ngokumangazayo, izinto zisemuva kakhulu ezwenikazi laseMelika. E-United States, izinkokhelo zokuxhumana nabantu ziseyizinsana. Ukuqaliswa kwe-Apple Pay kwenze amaketanga amakhulu ezentengiselwano asebenzise lolu hlelo, kepha kumabhizinisi amancane kusekude phambili. Kepha lokhu kunosuku lokuphelelwa yisikhathi, ngoba ngo-Okthoba walonyaka wonke amatheminali wokukhokha kumele ahambisane namakhadi wesikweletu we-microchip, esiyisebenzise emhlabeni wonke isikhathi eside. Lokhu kuzosho ukuthi wonke amatheminali amadala okukhokha azovuselelwa ngamanye ahambisana nalobu buchwepheshe, futhi nangabaxhumana nabo.
I-smartphone izonquma indlela yokukhokha, hhayi enye indlela
Ngemuva kokufunda yonke le datha kuyacaca ukuthi Ubuchwepheshe be-MST buhambile, ngoba ukweqa ekukhokheleni ngaphandle kokuxhumana sekuqalile futhi akunakunqandeka, ikakhulukazi eYurophu. Emakethe okuwukuphela kwayo engaba namathuba yi-United States, lapho i-Apple Pay isivele isetshenziswe ngempumelelo enkulu, futhi nasekupheleni konyaka ama-terminals azobuyekezwa abanye besimanje kakhulu abazofaka i-NFC.
Kepha noma ngabe konke lokhu bekungenjalo, ochwepheshe bakusho lokho uhlelo lokukhokha oluzosetshenziswa ngabasebenzisi luzonqunywa yi-smartphone esinayo, hhayi enye indlela. I-Apple Pay noma i-Samsung Pay ngeke kube yiyo enqumayo ukuthi siyathenga siphi iselula, kunalokho sizothenga i-smartphone ngokuya ngokuthanda kwethu noma imininingwane yayo yomhlaba, futhi sizosebenzisa uhlelo lokukhokha olufaka phakathi. Futhi lapha i-Samsung inenye inkinga, futhi ayibizwa nge-Apple, kodwa i-Google. Ngoba iGoogle Wallet izofakwa kuma-terminals amaningi akwa-Samsung, ngoba opharetha bezingcingo bangashintsha uhlelo lokusebenza lwe-Android ukuze bafake izicelo zabo, futhi i-AT & T, Verizon ne-T-Mobile sebevele baqinisekisile ukuthi bazoyifaka kuqala kumatheminali abo.