Giants and net telephony will they become major players in the banking business?
This is essentially what suggests the latest projects implemented in the field of e-payment.
With the development of smartphones, access to major web platforms became fully mobile offering an opportunity for Net giants become key intermediaries between consumers and traders, thus relegating traditional banks actors seconds zones .
Always eager to ease the client- company giants net today trying to develop tools to facilitate the purchase paperless payment .
Apple is working on online payment
According to the website RE / Code Box Apple hundreds of millions of users of its purchase music and video applications services clients seek to develop online payment .
It is true that the firm at the apple has a considerable advantage with its 600 million iTunes accounts with a majority is connected to a bank account. It only remains for him to offer a service online payment for which it would receive fees as an intermediary.
According to Re / Code, to achieve this , Apple would try to recruit a specialist in mobile payments and is in talks with PayPal .
Another sign of its strategy towards the development of a payment service, willingness to buy Square , the company’s founder of Twitter , specializing in payment service.
Facebook and banking in Ireland
In early April , the Irish Central Bank has allowed Facebook to develop financial services in Ireland.
Facebook would be allowed to store virtual currency on its servers. This virtual wallet could be used to make online payments across Europe or to make money transfers. Of course this is not free , then Facebook receives a commission on the payment or transfer.
Google: credit line and e -wallet
In 2012 , Google was testing the United States and the United Kingdom provision for companies to monthly credit line of between 100 and 200 thousand U.S. dollars used only for the purchase of advertising space on Google Adwords . The rate applied was 8.99% while the United States and 11.90 % in the United Kingdom. To offer this service , however, Google had to develop a partnership with Barclays which provides funding .
In 2011 , Google launched its Google Wallet software that allows its users to store credit cards and loans , and other loyalty cards. The aim is to compete with Paypal.
Amazon and registers shelves.
Amazon has announced the development of tablets for use cash registers for merchants Kindle.
It would also work no less than 600 people in its payment department to avoid too many drop-outs during the act of buying by simplifying the process through a payment system with one click.
These giant net they pose a threat to traditional banks ?
It is true that the boundaries are refined increasingly among web players and banks. Dematerialisation of payment made banks less necessary in the act of trading with merchants .
Giants have a net financial strength seems limitless in order to develop all e -banking projects.
Especially they have a much larger customer portfolio that all French banks combined . Facebook with its billion users would be able to shake the entire banking sector.
However, the extremely heavy regulatory constraints imposed on banks , as well as the potentiality of its players who have no physical agency by example restricts their field of action only means of payment .
Google recently tried to launch a comparator insurance in France without success. This attempt demonstrates all the will of giant net to penetrate the retail portfolio .
It may be a matter of time before we see these web players take the place of our traditional banks or banks eventually become full-fledged online .
