Mobile Payment as Managed Services

Outsourcing brings competitive advantages. An expert comment by Christian Renk, Managing Director of Klarna Austria.

Even though mobile commerce is still before its big breakthrough, shopping with smartphone or tablet is now firmly part of everyday life. Online shops in this country must adapt to this situation: It applies for example to set up mobile sales channels, for example an optimised website and to integrate mobile payment options.

Effects on the customer
But this is not enough: The appearance of the website, the individual sales channels and the payment options should have an effect on the customer that is harmonious as possible when shopping from the desktop as well as with mobile shopping. Experience shows that payment types, which are already known from desktop shopping Known enjoy a higher acceptance during a mobile purchase - especially for new customers. The invoice purchase thereby on the rise a popular means of payment online as well as mobile.

Advantage for online merchants
However, purchase on account is specifically associated with risks and expenses for the merchant, at least when it is offered in-house. The outsourcing of the entire payment process is therefore an ideal solution, also with mobile payments: Risk mitigation (guaranteed payouts), cost savings (less expenses), simple integration (interfaces in merchandise management systems), as well as greater convenience for buyers (e.g. extended payment terms) are tangible competitive advantage for online merchants.