Thanks to a new application or program, smart phones are also on the role of hand-held terminals for banks, it is good news to credit card users.
The number of mobile phone payment users increased to 734,000 in 2009 - more than 70% in 2008, according to consulting firm Gartner. By 2012, the number of mobile phone payment users is expected to 190 million yuan, more than 3% of the total mobile users. Asia-Pacific region and Japan is expected to capture the largest market share is expected to command in 2012 when in use, the use of 3.8% expected in North America rose to 3 percent.
Sandy Chen Shouhong, research director, Gartner believes it will take a few years ago into the mainstream of mobile payment, she was defined as at least 20% of bank customers.
Though is very large, multi-art design is really for the arts is indeed habit of people who do online banking at a time and place - the weekend at home (or lunch time in their desks), so they do not see the value of a strong the use of mobile banking services. Therefore, banks need to provide more, not just to extend their online banking, mobile phone users.
It believes that banks and credit card issuer shall provide different products to meet the specific needs of their consumers. Some cardholders may choose to apply only for the text warning, while others can download the program on the changes to allow them to manage all their financial transactions Benjamin from their phone.
Festival should be carrier-agnostic so that all customers can use their mobile banking offerings, whether they are with the carrier.
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Thursday, April 1, 2010
Wednesday, March 31, 2010
The National Average Interest Rate on New Credit Card Offers Fell Steeper
Interest rates pulled back from record levels this week.
The national average of new credit card interest rates fell by 25 basis points, providing almost fell to14.39 percent, according to Taocredit.com weekly reports of credit card interest rates in , from the highest level since the beginning of the track in 2007. This is the second time in 2010, interest rates (APRs) decreased, and this is because the decision of the credit card market, one of secondary, eliminating the card offers compared to nearly 60%.
First, customers with poor credit goals, decided to make it the following to try the gold MasterCard. "We use it as a test, our long-term viability of the product test," said a spokesman for the First Prime Minister Amidebin. Since that card has such a high rate - 59.9 - it is only to promote the national average removal of lower interest rates credit card.
Though the rates fallen would have been even steeper, it is somewhat offset by the rate of increase in the number of other card issuers.
The national average of new credit card interest rates fell by 25 basis points, providing almost fell to14.39 percent, according to Taocredit.com weekly reports of credit card interest rates in , from the highest level since the beginning of the track in 2007. This is the second time in 2010, interest rates (APRs) decreased, and this is because the decision of the credit card market, one of secondary, eliminating the card offers compared to nearly 60%.
First, customers with poor credit goals, decided to make it the following to try the gold MasterCard. "We use it as a test, our long-term viability of the product test," said a spokesman for the First Prime Minister Amidebin. Since that card has such a high rate - 59.9 - it is only to promote the national average removal of lower interest rates credit card.
Though the rates fallen would have been even steeper, it is somewhat offset by the rate of increase in the number of other card issuers.
Monday, March 29, 2010
The Different Facts Caused the reducing credit card purchase
With10.8% users of e-commerce growth in 2009, consumer of online shopping, always avoid to the credit card payments, while debit card or other payment methods, become more and more frequently used to buy online. The results of the survey is based on February 2010, "online retail revenue and expenditure for 2010-2014," Javelin study.
According to Javelin research, there are many reasons to explain of reducing credit card purchase, and said they would continue to do so. Poor economic growth hold back of consumers to carry large amounts of Balance Transfer Cards may be the most important reason. Nearly half of consumers (48%) said they have begun to use debit cards to help control the procurement, and reduce the use of credit cards in 2009. This merchant locations, continuing diversity of payment methods to meet the needs of value added purchase online. Consumers often want to leave a credit card or debit card, or change the basis of the options - thick black checking account balance is too low or they reach an available credit limit. Online credit services to enable consumers to delay in payment, this is our advantage, letters of credit provided the terms of the credit card. 11% of consumers choose this trend in online payment "option. In order to improve the user's security information or the identity of individuals may choose to avoid the payment of a credit card purchases. Some banks and other trusted providers to choose online payment option to a number of recommendations.
Choose alternative payment method will account for 19% of the total retail payment, online credit card usage declined in online purchasing by 2014. Through on-line purchase of a major credit card is expected to decline from 2008's 54.8 percent to 39% in 2014. Debit cards will include 26% of online sales by 2014.
Javelin reports, compare the volume of online shopping and credit cards and debit cards from 2008 to the present, it is expected that through the major credit card will fall from 54.8% in 2008 in 2014, from 39% of online purchases, while only 26% of the online sales will be prepaid credit cards in 2014.
According to Javelin research, there are many reasons to explain of reducing credit card purchase, and said they would continue to do so. Poor economic growth hold back of consumers to carry large amounts of Balance Transfer Cards may be the most important reason. Nearly half of consumers (48%) said they have begun to use debit cards to help control the procurement, and reduce the use of credit cards in 2009. This merchant locations, continuing diversity of payment methods to meet the needs of value added purchase online. Consumers often want to leave a credit card or debit card, or change the basis of the options - thick black checking account balance is too low or they reach an available credit limit. Online credit services to enable consumers to delay in payment, this is our advantage, letters of credit provided the terms of the credit card. 11% of consumers choose this trend in online payment "option. In order to improve the user's security information or the identity of individuals may choose to avoid the payment of a credit card purchases. Some banks and other trusted providers to choose online payment option to a number of recommendations.
Choose alternative payment method will account for 19% of the total retail payment, online credit card usage declined in online purchasing by 2014. Through on-line purchase of a major credit card is expected to decline from 2008's 54.8 percent to 39% in 2014. Debit cards will include 26% of online sales by 2014.
Javelin reports, compare the volume of online shopping and credit cards and debit cards from 2008 to the present, it is expected that through the major credit card will fall from 54.8% in 2008 in 2014, from 39% of online purchases, while only 26% of the online sales will be prepaid credit cards in 2014.
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