Kwi-cashless kwihlabathi, i-QR code payments iye yenzelwe njengomnye yezindlela ezininzi ezininzi ezisetyenzisiweyo kunye nokufumaneka kubathengi kunye nabathengi. Ukuba unayo i-smartphone, i-QR payments yaba ngokushesha yindlela ye-mainstream ye-payment - ukuba unayo kwi-pop-up market, ukuxhaswa kwifayile ye-restaurant, okanye ukuxhaswa kwi-online. residents aged 16+ 94% UK 94% UK Nangona iindlela ezifana ne-digital wallets kunye ne-card payments ziyafumaneka ezidumileyo, i-QR codes ezisetyenziswa kwi-banking-powered iye zibonisa indlela yokukhokha okuzenzakalelayo, elawulwa kunye ne-cost-efficient. Yintoni i-QR Code Payments isebenza? I-QR codes - iimveliso ezaziwayo ze-square-shaped - zihlanganisa iinkcukacha ze-encrypted enikeza abasebenzisi kwiindawo ezithile xa i-scanned. Kwiimali, le ndawo ikakhulukazi i-safe checkout page. Iinkcukacha ezicandisiweyo kwi-QR code zihlanganisa iimali ze-transaction, iinkcukacha ze-merchant, kunye neengxaki ze-payment. Emva kokucwangciswa, abasebenzisi zithunyelwe ukhethe indlela yayo ye-payment, ukuhambisa i-transaction, kwaye zithunyelwe ukuhambisa. Kukho iintlobo ezimbini ze-QR codes kwiimali: Ukucinga Ukucinga Ukucinga I-QR Codes ye-Static: Iinkcukacha ze-QR ze-Fixed that do not change. I-Ideal for situations where transaction amounts remain constant. Imibuzo ye-QR ye-Dynamic: Iinkcukacha ezininzi ezihlaziywa ngexesha elifanelekileyo, okuvumela ukuba iimvavanyo efana ne-transaction amayunithi okanye iinkcukacha ze-merchant ziye zikhuselelwa. Ukunxibelelana ne-internet esebenzayo. Regardless of the type, businesses need a Payment Service Provider (PSP) that supports QR code payments. PSPs can range from traditional banks to digital wallets and open banking platforms like Ngathi Ukucinga I-QR Code Ukuhambisa Izindlela Nceda siqonde iindlela ezaziwayo ze-QR yentlawulo kunye nqakraza njani. Ukucinga Ukucinga I-Digital Wallet Iingxowa ze-digital ezifana ne-Apple Pay, i-Google Pay kunye ne-PayPal zihlanganisa iinkcukacha ze-card ngokhuseleko ukuze zithunyelwe ngempumelelo. Nangona zisetyenziselwa kakhulu, zinezinto ezithile: Ukucinga Ukucinga Ukucinga Ukucinga Iingxaki ze-compatibility kunye nezixhobo ezidlulileyo kunye ne-operating systems. Iingxaki ze-geographic, njengoko akukho zonke i-wallet zokusebenza kwihlabathi. ixesha lokugqibela lokugqibela ngokufanelekileyo kwi-card payments. Ukucinga Ukucinga Iimveliso ze-debit ne-credit I-QR codes inokufunda abasebenzisi ukuyifaka iinkcukacha zebhanki zabo ngamanzi. Ezinye iinkonzo, njenge-Visa, zisebenza ukucacisa le nqubo, kodwa ngexesha elandelayo, ibekwe engaphezulu kunokuba iinkcukacha. Ukucinga Ukucinga Ukucinga Ukufinyelela okuzenzakalelayo ukongeza ukuchithwa kwinkqubo yokukhokha. Iintlawulo ze-3 okanye ezininzi ziquka iintsuku ezidlulileyo. Ukucinga Ukucinga I-Open Banking I-Open Banking inikezela ukulayisha imali ngqo phakathi kwekhompyutha zebhanki, ukuchithwa kwinethiwekhi zebhanki ngokupheleleyo. Emva kokucacisa ikhowudi ye-QR, abathengi zibonisa imali ngqo nge-app yebhanki yabo. Oku kunikeza izinzuzo ezininzi: Ukucinga Ukucinga Ukucinga Ukucinga Speed: Iintlawulo zebhanki ngokuzenzekelayo, ikakhulukazi xa amabini abasebenzisi usebenzisa Faster Payments e-UK. I-Cost-Efficiency: Akukho izindleko ze-card network, ukunciphisa kakhulu izindleko ze-transaction. Ukhuseleko: Encryption kwinqanaba yebhanki kunye ne-multi-factor authentication, njenge-biometrics. Ukucinga Ukucinga "Ukunceda iinkampani ukunciphisa iinkcukacha zokusebenza kunye nokunikezela abathengi ngexabiso epheleleyo ngokufanelekileyo iyiphi na ingxaki ezininzi ezikhuselekileyo," uthetha Valerijs Sicovs, Chief Business Development Officer ku-Noda. "Nge-open banking-powered QR codes, sinikezela ukulayisha ixesha elifanelekileyo ngexabiso ngexabiso yobugcisa." "Ukunceda iinkampani ukunciphisa iinkcukacha zokusebenza kunye nokunikezela abathengi ngexabiso epheleleyo ngokufanelekileyo iyiphi na ingxaki ezininzi ezikhuselekileyo," uthetha Valerijs Sicovs, Chief Business Development Officer ku-Noda. "Nge-open banking-powered QR codes, sinikezela ukulayisha ixesha elifanelekileyo ngexabiso ngexabiso yobugcisa." Yintoni i-Open Banking yindlela yokukhokha ye-QR ephakamileyo Ukongezelela komgangatho, i-open banking inikeza izinzuzo ezininzi kubathengi kunye nabathengi: Iimpawu kubathengi Ukucinga Ukucinga Ukucinga Ukhuseleko oluphambili: Ukubhalisa, ukuguqulwa kwe-biometric, kunye ne-customer authentication enamandla, ukunciphisa ingozi ye-fraud. Ukunciphisa i-card skimming: Iinkcukacha ze-sensitive akukwazi ukuxhaswa, kwaye i-akhawunti ziquka ngqo yi-banki yabasebenzisi. Izinzuzo zebhizinisi Ukucinga Ukucinga Ukucinga Ukucinga Ukucinga Iindleko ezincinane zokusebenza: Akukho hardware ezininzi okanye i-card terminals. I-Instant Settlements: Ukulawula i-cash flow ngokukhawuleza. Ukunciphisa iintlawulo ezincinane: Iintlawulo zentlawulo zentlawulo zincinane iingxaki zentlawulo zentlawulo. Ukuphakama kwehlabathi: Ukudluliselwa okuzenzakalelayo kwi-cross-border kunye neengxaki ezincinane. Iimveliso ezininzi Ukucinga Ukucinga Ukucinga Ubunzima: I-QR codes isebenza kwiindawo zonyango, iimveliso ze-printed, iikhangiso ze-online, kunye ne-app ye-messaging. I-Scalability: I-QR Codes ye-Dynamic ibonise ngempumelelo ukuguqulwa kwama-payment kunye ne-scale operations ngempumelelo. I-Future ye-QR Payments I-Bank-Powered Nangona iindlela zokudluliselwa kwe-QR ziye zibonisa indlela, i-open banking ivumela iintengiselwano ze-QR kwinqanaba elandelayo. Iinkampani ezinikezele ukunciphisa iimfuno, ukuphucula i-cash flow, kunye nokunikezela iinkonzo ze-customer. Njengoko ukusetyenziswa kwe-QR code kwihlabathi, ukusetyenziswa kwe-open banking iya kukunceda i-strategies ze-future-proof ye-payment kunye nokugcina i-business agile kwindawo yokuphuhlisa kwimali. Ukuba iinkampani ziye zithembisa kwi-network ye-cards ezidlulileyo kwaye zithembisa iintlawulo ze-instant kunye ne-safe, i-step ezilandelayo iyathembekile: scan, pay, and grow.
