Making things easier rarely come out of the style. For example, consider unmanned payments.
It is usually promoted by self -service machine, kiosk, or other devices that allows customers to complete their purchases independently. These transactions occur without the need for direct human interaction at the time of sale.
It is clear that unmatched payment markets are expected to reach $ 129 billion around the world by 2030, so they are the basic parts of our commercial infrastructure.
“Explosive growth (),” Mousu mi chatterjeeGlobal Payments Solution Product Innovation Director Bank of AmericaTalking to Pymnts and adding this market indicates not only technical changes, but also how industries interact with consumers.
In the retail business, the price is led by self -check -out ciosque, vending machines, and micro markets, but new use cases have appeared in various sector.
Currently, the challenge for a company is to decide whether to implement these. Solution, However, it is a method of effectively maintaining customer trust, operation efficiency, and performance standards.
Unmanned payment use case
Unmanned payments, especially in a cashless and automated world, to change the industry by providing efficiency and convenience.
Chatterjee pointed out hospitality and meals as a major example, emphasized the evolution of “paying table, royalty program, and even customized cocktail dusiser.” She added the ghost kitchen I also use it An unmanned system that enables “non -contact pickups and distribution”.
Transportation and mobility have also experienced shifts.
“In New York City and San Francisco, more than 60 % of face -to -face payments are non -contact type (half of all domestic face -to -face transactions are tapped to pay); Chartji uses plastic with various sources. It states that there are 70 % of those made using 30 % using 30 %.
At the same time, technologies such as RFID and license plate recognition are rationalized for transportation and parking, providing a chatadie called “large line bust opportunities.”
Healthcare is another promising vertical, and unmanned kiosk promotes prescription pickup and hospital copy. In entertainment and travel, with the hotel’s unmanned minibar Amusement park vending machines are being strengthened Customer convenience.
Chatterjee has evolved in uninhabited payments to meet the needs of specialized consumers, for other sectors such as the electric vehicle, a subscription model with detailed services, and other sectors such as the gym and wellness centers. I pointed out that it was indicating.
Adoptable issues
Despite the expansion, there is room for an unmanned payment system to improve.
“Self -check -out experiences are definitely high adoption, but the overall satisfaction was low, about 15 %,” said Chatterjeee.
She believed that this was due to technical problems such as complex user interfaces, limited options, machines, and lack of real -time support.
“Thinking … Mother -Mother who worked on a day and participated in three different services at the end of the day -Food, car wash, EV charging,” she said. “If the check -out is not intuitive, if things are not staring at me where you need to click, it is when you are doing the abandoned transaction.”
According to Chatterjee, some retailers are working on human runners so that customers can navigate these systems.
“Human interaction and unmanned kiosk blends are supporting customers (overcoming the initial adaptive curves),” she said.
Privacy and security concerns are also a barrier. It will be difficult to increase the adoption unless the market participants can build trust with customers.Chatterjee I said, addition In order to improve these systems, it includes intuitive design creation, dealing with accessibility, and incorporation of functions such as voice two -tastes and multilingual support.
Unmanned payment future
As uninhabited payments become more industrial, companies are facing a double task of adopting automation while securing customer satisfaction and regulatory compliance.
New technologies such as artificial intelligence and predictive analysis promise to strengthen these systems, It will be implemented With responsibility. By focusing on trust, security, and usability, companies can maximize the possibility of unmanned payments and transform customer experiences throughout the industry.
Chatterjee emphasized the importance of piloting new technologies in a controlled environment and emphasized Bank of America’s own commitment to responsible innovation.
“Cool … it’s not just a solution,” she said. “It is to meet the place where the client is and provide opportunities to directly support customers.”
Automation controls small transactions, but Bank of America recognizes the value of human interactions in high -level involvement, such as loans and asset management. Chatterjee said that it would bring out lessons from retail stores, consumers starting online processes online, combining the highest in both worlds, and being able to complete them directly.
“The customer can start in a digital environment and end at a retail store,” she said. “… consistency is all.”
