#future payment

(digitehtävä 4.2)

Tutustuin Suomen pankin julkaisemaan e-kirjaan, jossa oli paljon mielenkiintoisia artikkeleita tulevaisuuden maksuliikenteestä ja –tavoista. Valitsin lähempään tarkasteluun kaksi artikkelia: ”maksaminen on paljon enemmän kuin transaktio” ja ”maksaminen 2020-luvulla”.

Maksaminen on paljon enemmän kuin transaktio (luku 5, sivu 15) korostaa sitä, että maksaminen on enemmän lisäarvoa luoma mekanismi kuin itseisarvo. Enää ei riitä se, että maksaa tietyn summan, jotta saisi esimerkiksi tietyn määrän ruokaa. Tarkastelussa on se, että miten maksaa, milloin maksaa, kuka maksaa ja kenelle maksaa. Esimerkkinä toimikoon jokin musiikkifestivaali, jossa kaljateltassa on paljon janoisia nuoria ja myyjät hikihatussa yrittävät palvella asiakkaita. Joka puolella on jonoa ja tungosta. Tällöin maksutapana toimii esimerkiksi lähimaksu, joka tunnistaa käyttäjän ja maksun saajan heti ja näin molemmat voittavat. Ostaja saa juoman nopeasti ja myyjän ei tarvitse keskittyä vaihtorahan tai maksupäätteen näpräämiseen vaan pystyy ottamaan jo pian seuraavan asiakkaan, jolloin jonotusaikakin vähenee. Ongelmana tulevaisuudessa saattaa olla eri maksutapojen ”holtiton lisääntyminen”, jolloin uusia maksutapoja syntyy ja ”kuolee” niin tiuhaan, että esimerkiksi normaali päivittäistavarakauppa ei ehdi integroida sovelluksia osaksi maksuprosessia. Kuitenkin näiden maksutapojen ympärillä pyörii paljon enemmän kuin pelkkä jäävuoren huippu, jonka asiakas näkee. Artikkeli korostaa sitä, että tarvitaan yhä enemmän nykyisen kaltaisia start upeja, jotka kehittävät toimintaa asiakaslähtöisemmäksi, jolloin automaattisesti myös maksuliikenne siirtyy yhä enemmän eri osapuolia palvelevaksi.

Maksaminen 2020-luvulla (luku 11, sivu 32) käsitteli maksamista muualta ja muualle kuin pankkitilille. Tämä sivuaa myös hieman tuota edellistä referaattiani, jossa tärkeänä oli lisäarvon luominen käyttäjille.

Perinteinen esimerkki maksuliikenteestä on se, että kun maksan omalta kortiltani kaupassa, niin raha siirtyy omalta pankkitililtäni suoraan kaupan tilille. Tulevaisuudessa yhä enemmän korostuu kuitenkin maksu eri palveluntarjoajien välillä. Esimerkkinä tästä on mm. liittymällä maksaminen. Monelle on tuttuja esimerkiksi asemalaiturilla näkyvät snäksi-kopit, joista voi ostaa välipalaa maksamalla omalla puhelinliittymällä. Tarvitsee vain lähettää tekstiviesti tiettyyn numeroon ja operaattori hoitaa lopun maksuliikenteen. Toinen esimerkki voisi esimerkiksi olla HSL:n mobiililiput, jossa kännykällä voi ostaa lipun ja se veloitetaan operaattorien puolesta. Tälläiset ”kilpailijat” haastavat myös mitä ilmeisemmin perinteistä pankkitoimintaa. Ero kuitenkin vielä tällä hetkellä on pankkitilien standardoitu aste, jolloin niihin voi luottaa. Jos maksu tulevaisuudessa hoituu useiden ”välikäsien” kautta, niin miten voi olla varma, että alku- tai loppupään käyttäjä on jokin ”oikea” henkilö ja että veloitettu summa on juurikin oikea. Myös tietoturva on haavoittuvampaa silloin, kun ketjussa on useampi ”muuttuva kohta”.  Myös pankkien ja palveluntarjoajien välillä maksuliikenteen pitäisi onnistua nopeammin mitä nyt. Asiakkaat ovat yhä kärsimättömimpiä ja odottavat että raha liikkuisi heti pankista toiseen tai eri palvelutilille.

Itselläni on tällä hetkellä käytössä hyväksi toteamani mobile pay, jossa voi yhdellä klikkauksella joko pyytää tai lähettää rahaa pelkästään vain puhelinnumeron perusteella muille käyttäjille. Tämä helpottaa ja nopeuttaa huomattavasti rahaliikenteen siirtymistä esimerkiksi silloin, kun on hieman velkaa jollekin. Esimerkiksi olette olleet kaveriporukalla piknikillä tai elokuvissa, jolloin yksi porukastanne on maksanut vaikka kaikki eväät, ja olette jääneet hänelle velkaa. Tällöin pystyy helposti ja heti avaamaan kännykässä oman mobile payn, jossa lähettää tämän summan kaverilleen pelkän osoitekirjasta löytyvien tietojen avulla, eikä enää tarvitse kysellä kavereiden tilinumeroita ja kirjautua erikseen verkkopankkiin suorittamaan uusia maksuja. Mobile pay on myös alustasta riippumaton ja toimii silloinkin, vaikka eri käyttäjillä olisi eri pankki käytössä. En näe palvelussa huonoja puolia, sillä yhteys on salattu pankkien suojauspalvelulla ja historiassa on aina tiedossa kenelle ja kuinka paljon rahaa on lähetetty. Ainut aukko, jonka tässä keksin on se, että jos joku pystyy hakkeroimaan toisen tiedot siten, että henkilön X:n puhelinnumero ohjautuisikin henkilölle Y.

Ahkerasti käytössäni on myös Nordnetin mobiilisovellus, jossa voi reaaliaikaisesti seurata oman salkun kehitystä ja tehdä siihen muutoksia helposti parilla klikkauksella. Sovelluksella myös myynnin ja ostamisen rahansiirto omalle tilille onnistuu nopeasti ja toteutus tapahtuu reaaliaikaisesti. Yhteys on myös suojattu pankkitoimintojen suojauspalvelulla, mutta tuntuu että kyberhyökkäyksien toteuttajat ovat aina askeleen edellä normaalia tasoa, joten koskaan ei voi tietää minkälaisia haavoittuvuuksia sovellukseen saattaa kohdistua.

(maksu eri palveluntarjoajien välillä, lähde Googlen kuvahaku)

Lähteet:

https://www.nordnet.fi/kampanjat/nordnetapp2015.html?cmpi=ban-472-mobileapp

http://www.mobilepay.fi/fi-fi/Pages/mobilepay.aspx

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