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Actuellement, les deux tiers des entreprises allemandes vendent leurs biens et services via Internet. Cependant, selon une analyse publiée par la Deutsche Bank, les ventes en ligne n'augmenteront les marges totales qu'à condition d'adapter les systèmes de paiement à l'activité principale de l'entreprise et aux consommateurs, tout en maintenant au minimum le paiement des chargebacks (refacturation des montants en cas de transactions frauduleuses et non conformes aux conditions générales).
To date, the payment systems established in the traditional retail trade (credit card, bank transfer, cash on delivery, debit card) have also dominated online trading. If the traditional methods – in particular the range of credit cards available worldwide – continue to be refined, they will also remain key players in digital trade. Small, innovative methods – in Germany alone there are 40 systems in operation bearing imaginative names like Crandy, CoralPay and Luup – are likely to continue eking out an existence as niche products. The PayPal system, which has been bolted onto the eBay online auction site, is the big exception. Driven by eBay, PayPal now has more than 100 million users in over 100 countries and 17 currency areas. The PayPal business model illustrates the importance of having a heavyweight partner and thus also the strong network effect with payment systems.
Source:
Deutsche Bank Research
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