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Compras sin tarjeta ni POS

A mediano plazo, una lavadora no sólo lavará la ropa de manera automática, sino que permitirá cargar el cobro del servicio de lavado a una cuenta bancaria; mientras que un refrigerador elaborará la lista del supermercado, efectuará la solicitud y también generará el pago.

Así ejemplarizó el Chief Innovation Officer de MasterCard, Garry Lyons, los resultados de estudios que prevén que hacia el año 2020 entre 60,000 y 70,000 millones de aparatos electrónicos estén interconectados y a su vez todos ellos conectados con el comercio.

Esto significará un cambio en el comercio electrónico actual, donde la forma de pago se hace vía tarjeta de crédito o débito, o mediante una terminal punto de venta. Para Lyons estas herramientas dejarán de ser necesarias para realizar una compra.

Durante su participación en el «XIII Encuentro Santander-América Latina. La Innovación al Servicio del Cliente», Lyons destacó que la tecnología y su funcionalidad en beneficio de la sociedad ya no es cosa de un futuro muy lejano. En la actualidad, un smartphone ya es un medio de pago mediante la adaptación de ciertos dispositivos, pero además también puede interactuar con otros canales de comunicación para realizar una compra. Por ejemplo, mediante un celular o un reloj inteligente podemos escanear la foto de un anuncio de cierto artículo publicado en una revista de papel, que al identificarlo lleva a la página de la tienda donde se vende dicho producto y realizar la compra de inmediato, más allá de lo que normalmente se puede adquirir en línea.

Aunque hoy en día en las economías el 85% de los pagos se realizan en efectivo y cheque y el efectivo no desaparecerá si podría dejar de ser el principal medio de pago. Inclusive se vislumbra el desarrollo de ciudades inteligentes donde la política pública, las reglas claras, el marco estándar y alianzas entre los sectores público y privado son necesarias para que no exista efectivo y se pague todo vía aparatos electrónicos. Pero esto aún no está a la vista.


 

Gabriel Pascual
Director de MasterCard para Costa Rica, Guatemala y Honduras

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