{"id":18606,"date":"2020-05-18T16:39:44","date_gmt":"2020-05-18T14:39:44","guid":{"rendered":"https:\/\/trilogi.com\/blog\/el-pagament-amb-qr-una-realitat-a-la-xina-que-arriba-a-occident\/"},"modified":"2020-05-18T16:39:44","modified_gmt":"2020-05-18T14:39:44","slug":"el-pagament-amb-qr-una-realitat-a-la-xina-que-arriba-a-occident","status":"publish","type":"post","link":"https:\/\/trilogi.com\/blog\/ca\/el-pagament-amb-qr-una-realitat-a-la-xina-que-arriba-a-occident\/","title":{"rendered":"El pagament amb QR, una realitat a la Xina que arriba a Occident"},"content":{"rendered":"

El pagament per QR, una nova realitat<\/h2>\n

Una de les conseq\u00fc\u00e8ncies secund\u00e0ries de la COVID-19 \u00e9s la velocitat que est\u00e0 agafant el desenvolupament tecnol\u00f2gic. En aquest post parlem de com afectaria la desescalada a l\u2019eCommerce<\/a>, per\u00f2, i a les botigues f\u00edsiques? Quins canvis hi haur\u00e0? Aquesta situaci\u00f3 ha estat un accelerador per entrar de ple al m\u00f3n connectat i comen\u00e7ar a difuminar les barreres entre les botigues f\u00edsiques i les solucions digitals.<\/strong><\/p>\n

PayPal llan\u00e7a un nou m\u00e8tode de pagament per evitar el contacte f\u00edsic<\/h2>\n

Amb la desescalada i la reobertura dels comer\u00e7os han aparegut certes dificultats per mantenir el distanciament social; una d\u2019elles \u00e9s el pagament amb diners en efectiu o amb targeta.<\/p>\n

Intercanviar bitllets i monedes o introduir el PIN en un dat\u00e0fon pot ser incompatible amb mantenir 2 metres de dist\u00e0ncia entre comprador i venedor i altres mesures de protecci\u00f3. Per aix\u00f2 PayPal permetr\u00e0 els pagaments mitjan\u00e7ant codis QR. <\/strong> Com funcionar\u00e0?<\/p>\n

En el moment del pagament, el client podr\u00e0 escanejar un codi QR que el portar\u00e0 al seu compte de PayPal per finalitzar-lo. \u00c9s molt f\u00e0cil d\u2019implementar a les botigues, ja que en els petits negocis el codi QR pot ser el mateix per a totes les vendes<\/strong>. Nom\u00e9s caldr\u00e0 imprimir-lo en un paper i penjar-lo a l\u2019aparador o al taulell. Els clients hauran d\u2019obrir l\u2019app de PayPal, apuntar amb la c\u00e0mera del m\u00f2bil i finalitzar el pagament. F\u00e0cil, r\u00e0pid i sense intermediaris.<\/p>\n

\"\"<\/p>\n

WhatsApp ja va comen\u00e7ar a fer servir aquest tipus de tecnologia el 2018<\/strong>. WhatsApp Pay va ser un experiment a l\u2019\u00cdndia pensat per enviar diners entre particulars, per\u00f2 encara est\u00e0 per veure on porta. El pla de la companyia \u00e9s portar els pagaments per WhatsApp a Espanya i a altres pa\u00efsos.<\/strong><\/p>\n

Pagaments per QR a la Xina, una realitat<\/h2>\n

Al mercat xin\u00e8s, on Trilogi t\u00e9 anys d\u2019experi\u00e8ncia, els pagaments per QR fa temps que s\u00f3n una realitat. Aix\u00ed, els comer\u00e7os poden estalviar part de les comissions que cobren els bancs pels pagaments amb targeta i no necessiten cap dispositiu si el client no porta efectiu.<\/p>\n

Alipay, d\u2019Alibaba, i WeChat, de Tencent, s\u00f3n les dues plataformes que permeten aquest tipus de pagaments. S\u2019estan convertint en aplicacions ecosistema, on els usuaris fan molt\u00edssimes accions diferents dins de la mateixa aplicaci\u00f3. El 65 per cent dels m\u00e9s de 753 milions d\u2019usuaris de smartphone<\/strong> que hi ha a la Xina havien activat el pagament m\u00f2bil a finals del 2017.<\/p>\n

En aquest nou panorama, els bancs queden en segon pla.<\/strong> Alguns comer\u00e7os ja no tenen TPV per pagar amb targeta. Els taxis, el petit comer\u00e7, els restaurants, el transport p\u00fablic\u2026 molt\u00edssims negocis han vist com ha canviat la manera de fer els pagaments i com les targetes i l\u2019efectiu comencen a quedar fora de circulaci\u00f3 a la Xina.<\/strong><\/p>\n

\"\"<\/p>\n

A Occident estem acostumats a fer servir apps diferents, una per a cada acci\u00f3, per\u00f2 sembla que el mercat apunta cap a aplicacions m\u00e9s globals, amb totes les funcions integrades. Ser\u00e0 Facebook, amb WhatsApp al capdavant, qui s\u2019endur\u00e0 aquest premi?<\/p>\n","protected":false},"excerpt":{"rendered":"

El pagament per QR, una nova realitat Una de les conseq\u00fc\u00e8ncies secund\u00e0ries de la COVID-19 \u00e9s la velocitat que est\u00e0 agafant el desenvolupament tecnol\u00f2gic. En aquest post parlem de com afectaria la desescalada a l\u2019eCommerce, per\u00f2, i a les botigues f\u00edsiques? Quins canvis hi haur\u00e0? Aquesta situaci\u00f3 ha estat un accelerador per entrar de ple […]<\/p>\n","protected":false},"author":2,"featured_media":14394,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1739],"tags":[],"class_list":["post-18606","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tecnologia"],"yoast_head":"\nEl pagament amb QR, una realitat a la Xina que arriba a Occident | Blog Trilogi \u2013 The Digital Agency<\/title>\n<meta name=\"description\" content=\"El pagament amb QR \u00e9s una realitat a la Xina que comen\u00e7a a arribar a Occident. 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