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モバイルキャッシュアクセス (2017年):デジタルバンキングとキャッシュ利用の連携によるカスタマーエンゲージメントの確立

Mobile Cash Access 2017: Engaging Customers by Linking Digital Banking to Cash

発行 Mercator Advisory Group, Inc. 商品コード 490477
出版日 ページ情報 英文 19 Pages
納期: 即日から翌営業日
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モバイルキャッシュアクセス (2017年):デジタルバンキングとキャッシュ利用の連携によるカスタマーエンゲージメントの確立 Mobile Cash Access 2017: Engaging Customers by Linking Digital Banking to Cash
出版日: 2017年04月18日 ページ情報: 英文 19 Pages
概要

当レポートでは、モバイルキャッシュアクセスに関する金融機関の取り組みを調査し、モバイルキャッシュアクセスを可能にする各種アプローチ、実現技術とその特徴、ID認証レベルと詐欺対策、消費者の認識・期待、導入ペースの見通し、潜在的市場機会などをまとめています。

本調査のハイライト

  • NFC・QRコード:米国のモバイルキャッシュアクセスにおける2大重要技術の主な違い・共通属性
  • 詐欺に対処できるID認証レベルの拡張
  • 独自調査データ:モバイルキャッシュアクセスの受容度の高い顧客区分・カード利用を固持する顧客区分の特定
  • 導入ペースの予測
  • モバイルキャッシュアクセスがもたらす潜在的市場機会
目次

Ways to pay continue to evolve and diversify, but cash remains a core means to complete transactions. While financial institutions (FIs) are rapidly shifting to digital and mobile banking to increase interactions with customers, they can benefit by enabling "mobile cash access" for account holders. This method essentially lets a banking customer substitute a smartphone for an ATM, debit, or prepaid card and its associated PIN to withdraw cash at an ATM that has been modified to support transactions "pre-staged" via the mobile device. Financial institutions that view expansion of the ATM channel as an opportunity to further enrich their level of interaction with consumers will be well positioned to deliver value-added individualized customer experiences, primarily in the form of enhanced security and personal financial management, according to Mercator Advisory Group's latest research, Mobile Cash Access 2017: Engaging Customers by Linking Digital Banking to Cash.

This Mercator Advisory Group research report examines the various approaches to enabling mobile cash access, consumers' mindset and expectations about such transactions, and how the functionality goes beyond eliminating the card to deliver additional interactive opportunity and assurance.

"Day-to-day transactional banking activity is consolidating in the individual's mobile device, providing greater flexibility to the consumer and cost savings to the financial institution via intuitive self-service," commented Joseph Walent, Associate Director, Customer Interaction Advisory Service., the author of the report. "Mobile cash access is the natural progression of this directional expansion and will deliver additional touchpoints for financial institutions and consumers to engage and share information. The ability to set up cash withdrawal in advance of visiting an ATM will be just one way consumers will realize expanded engagement with financial institutions they use, conveying their intent rather than just recording the outcome."

This research note contains 19 pages and 9 exhibits.

One of the exhibits included in this report:

image1

Highlights of the research report include:

  • The marked differences and shared attributes of the two primary technologies in play enabling mobile cash access in the U.S.-NFC and QR Code
  • Expanded depth of identity authentication available to combat fraud
  • Proprietary survey data indicating which consumer segments are most likely to move quickly to embrace mobile cash access, and which are most likely hold onto their cards
  • The expected pace of adoption
  • Some of the potential opportunities mobile cash access introduces
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