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20 July 2011

Discounts and coupons will drive adoption of mobile payments

A survey of 1,036 US adult consumers, conducted by StrategyOne on behalf of Verifone, has found that almost twice as many are interested in using mobile payments if the service also includes a way to get discounts and coupons on their phones.

The survey found that:

- Nearly three in five adults in the US (57%) think mobile payments will become widespread over the next three years.

- More than one in five consumers (22%) said they are interested in using mobile devices to pay for goods and services.

- Just 2% of those surveyed say they already use their mobile phone to pay for goods and services.

- 31% of consumers would like to be able to take advantage of store-specific loyalty programs using just their phone.

- 68% of adults surveyed agreed that credit and debit cards will always be a dominant form of payments for goods and services, regardless of new payment options.

- More than three in five adults (63%) think their personal information is more vulnerable when using a mobile phone for purchasing goods and services compared to debit or credit cards.

- Two in five adults (41%) said they would be driven to use mobile payment technologies if they could apply discounts and coupons from their mobile devices.

- Nearly half the group (47%) said that a bigger adoption driver would be knowing that all their personal and financial information is completely secure.

- 39% of adults would feel confident their personal information is secure when using mobile payments if a regulatory organisation certifies the transaction is secure.

- Adults with higher household income ($75,000 or more) and college degrees are more likely to be persuaded to use mobile payment technologies by confidence in information security, coupon and discount offers and store-specific loyalty applications.

- Younger adults are more likely to use mobile devices for payments. Already 8% of the 25-34 age group use mobile phones as payment devices — the largest of any group.

"There's a clear consumer interest in mobile payments as well as well as a desire to connect with retailers and brands in personalised ways," says Verifone's Dave Talach.

"Providing additional benefits and gaining consumer trust through security in the retail experience will be key." "Security is the ingredient required for success," he adds. "It's not a nice-to-have flavour but a tenet that must be baked in to protect consumer transactions and trust in retailers."