What can be possible 3-step roadmap for that?
Enriched Payments Functionality
The potential of the described approach is much, much wider.
- Whatever mobile banking currently supporting the QR codes for payment of the invoices based e.g. on https://qr-faktura.cz/ can provide the functionality above if Enriched Payment Data Standard is accepted.
- The similar approach can be applied in other industries like retail or petrol distribution - see more at Idea - Enriched Payment Data Standard .
Instant Payments Opportunity
There is one interesting side effect of apps with enriched payment functionality.
- It's completely unvisible for the consumer how the payments are settled.
- The part of the payments can be executed via cards / standard payments gateways.
- The part of the payments can be done via instant payments i.e. SEPA Instant Credit Transfer. Related lowered costs can be spread between bank, merchants and consumers.
Possible players in CZ
- www.qerko.com - already have the connections to POS for hospitality providers
- Lidl Introduces Its Own Cardless Payment System (in Czech)
- How to Order and Pay the Beer at 3 Clicks at Half Time (in Czech)
- Order and Payment Kiosks at 1/10 price of these in Mc Donald's
- How to Monetize Instant Payments? For Example By...
- #ApplePay - Ovocnáři jásají, banky už myslím méně
- Idea - Enriched Payment Data Standard
Interested in this?
- Will you use this service as a customer at restarant, pub, kiosk at music or film festival, at whatever cultural or sport event?
- Will you use this service as owner of restarant, pub, kiosk ?
- Will you use this service as e.g. if you are from brewery for you franchise kiosks?
- Will you use this service as POS systems vendor?
Roman Řípa - Focused on innovation and market strategies at www.bluestrategy.cz , participated e.g. in digital posters development, tried to be a citizen at www.rozpocetobce.cz showing the budgets of all municipalities in Czech Republic. and helped the SMEs in www.profirmy.eu .