unattended payment
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A recent study from Juniper Research
has found that the global value of mobile
and wearable contactless payments is
expected to reach $95 billion annually
by 2018. In the UK alone, there are more
than 6 million mobile devices capable of
making Apple Pay contactless payments.
There are many times more NFC-enabled
mobile phones. This is shaking up
even the most traditional unattended
applications. In petro installations, for
example, major fuel retailers are trialling
payment apps that allow consumers to
pay at pump using their smart phones.
Wider Commerce Enablement
Convenient payment is only part of the
story. As kiosk functionality increases,
so does their value as a way to
accommodate higher end purchases,
personalisation and more complex
service delivery. This is the area that will
open new doors for unattended. For
example, multi-lane retailers are now
thinking beyond self-service checkouts
to interactive kiosks as a means of
fulfilling new cross-channel services,
such as click-and-collect that are fast
becoming a central part of the in-store
experience.
Hospitality, entertainment and high
streets will want to use multimediaenabled kiosks to push content
that drives sales. Interaction with
mobile apps will bring new levels of
convenience to parking, ticketing and
mass transit. While location-based
services could enable one stop fulfilment
for commuters and tourists seeking
travel, entertainment, attractions and
accommodation.
Combining practical innovation
to support digital capability with a
streamlined approach will be essential
for equipment manufacturers to make
unattended payment machines move
from simple payment acceptance tools to
loyalty and service assets.
Ensuring Design Success
Self-service success depends on
superior components that are capable
of delivering new functionality. When
developing Verifone’s UX Solutions, we
worked extensively with clients to identify
their needs. Here’s a quick summary of
their key requirements:
• Energy saving features including fast
wake/sleep functions to help reduce
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operational costs and widen reach
to previously prohibitive locations
markets.
Flexible options such as LAN, multiple
USBs, MDB, RS232, RS485, PSTN, ISDN
and wireless including GPRS and Wi-Fi,
to enable reliable delivery of connected
services.
Interfaces that are ergonomically
designed and easy to use including
keypads, anti-glare displays and voice
actuation. Design will be key in winning
over reluctant users.
Cost-effective and modular
components including touch screens
and multimedia units, PIN pads,
contactless readers and more.
Components that enable contactless
and mobile payments and allow twoway dialogue with other NFC enabled
devices, including stickers, tags, mobiles
and beacons.
Easy integration that keeps investment
and upgrade costs low. This also helps
serviceability, making it easier to repair
and maintain devices in the field.
PCI and P2PE security to better protect
customers and merchants.
Current security levels vary widely in
the marketplace with some estimates
claiming more than half of the current
dispensing market is vulnerable.
Conclusion
It’s clear to us that kiosk and self-service
equipment vendors will need to align
innovation with market needs by working
closely with retailers, banks and acquirers
as well as other technology partners
and integrators. Close partnership and a
strong client-focus, will help the market
deliver the practical solutions that
address the needs of both mainstream
and vertical market customers – enabling
them to remain competitive, compliant
and relevant in an increasingly complex
market, and ensuring that kiosks go
even further to deliver value in our ever
connected, omni-channel world.
www.verifone.co.uk
KIOSK solutions 23