フリクションレス決済とは？

「The Pay Off: How Changing the Way We Pay Changes Everything」からの学び

フリクションレス決済とは、消費者が支払いを行う際に、その行為を意識することなく、スムーズかつシームレスに決済が完了する仕組みのことである。

例えば、Uber乗車後にアプリに登録済みのクレジットカード情報で自動的に決済される仕組みや、Amazon Goのレジなし店舗のように、商品を持って店を出るだけで決済が完了する仕組みなどが挙げられる。

従来の現金やクレジットカードによる決済では、財布を取り出したり、金額を確認したり、サインをしたりといった、支払いに関わる様々な動作が必要であった。フリクションレス決済は、これらの動作を不要にすることで、消費者の利便性を高め、購買意欲を高める効果がある。

一方で、支払いに対する意識が薄れることで、過剰支出や不正利用のリスクも懸念されている。

---

参照

［☆］The ultimate example is Uber, the taxi app, which makes the act of payment completely invisible: you just step out of the taxi and you’ve paid. This is made possible because Uber stores customers’ billing and payment information. As we write, there are efforts underway to apply this to many other sectors, such as bars and restaurants: no more need to catch the waiter’s attention, wait for – or even look at – the bill before handing over a card. As with the new Amazon Go shops, the mere act of walking (or crawling) out of an establishment will trigger the payment. As we move to the internet of things, we should expect more innovation around this ‘embedding’ of payments.

［☆］Combine the ease with which we can now spend with low levels of financial literacy, and you can see a problem looming. According to Standard & Poor’s global financial literacy survey, just 33 per cent of adults worldwide are classified as financially literate. On average, Europe scores more highly at 52 per cent, but huge variations exist. While countries such as Denmark, Sweden and the Netherlands sit at the top of (some of) the global league tables, Portugal and Romania are near the bottom. In the UK (which sits plumb in the middle of the European rankings), the Money Advice Service estimates that nearly 50 per cent of working-age adults have a numerical ability equivalent to that of an eleven year old.