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来源:国际文传电讯社 编辑:admin 时间:2021-01-14
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Third edition of global Visa study highlights top areas of payment technology investment for small businesses in 2021

Study reveals 82% of SMBs have adopted new digital technologies as more than half of consumers used contactless payments whenever possible in the last three months

SAN FRANCISCO -- (BUSINESS WIRE) --

As the one-year mark of the Covid-19 pandemic approaches and digital payments play a larger role in daily life around the world, there will be no reverse gear on consumer behavior as we head into 2021. In the third edition of its global research study, the “Visa Back to Business Study – 2021 Outlook,” Visa (NYSE: V) found that the continued small and micro business (“SMB”) shift towards digital commerce will evolve in the New Year and bring an increased focus on areas such as security and fraud prevention, and more emerging payment tools such as ‘buy now, pay later’ and mobile payment acceptance.

According to the study, by the end of 2020, 82% of SMBs surveyed had embraced new forms of digital technology to meet changing consumer behaviors. Looking ahead to 2021, SMBs are assessing what other payment technologies are critical to meeting today’s consumer expectations, with results led by security and fraud management software (47%), contactless or mobile payment acceptance (44%), accepting payments via mobile device (41%), installments or ‘buy now, pay later’ (36%) and digital backend payment operations (31%).

“With greater hindsight into 2020, we can clearly see that the digital payment experiences that exceled the most – contactless and eCommerce – were driven out of necessity and have become more habitual in people’s daily lives at a pace not often seen,” said Kevin Phalen, global head of business solutions, Visa. “If 2020 was the year of contactless and eCommerce, results of this study tell us that 2021 will bring greater attention to security and fraud prevention, and trial of more emerging digital commerce tools that help businesses thrive.”

All markets surveyed have seen a rapid adoption of new payment technologies and changing consumer behavior related to commerce. Additional findings from the study in Brazil, Canada, Germany, Hong Kong, Ireland, Russia, Singapore, United Arab Emirates (UAE) and United States, highlight the depth of the impact in 2020 and expectations for 2021:

The Road to Recovery for SMBs in 2021

  • Contactless Payments Are Here To Stay: The global rise of contactless      payments in 2020, spurred by challenges including consumers looking for      safer ways to pay amidst the pandemic, is showing no signs of slowing down      in the New Year. In fact, in June 2020 only 20% of SMBs surveyed had      offered contactless payments for the first time — now, 39% report they      have started to accept new digital forms of payments. Nearly three in four      (74%) SMBs expect consumers to continue preferring contactless payments      even after a vaccine is widely available.

  • SMBs Meet Consumers Where They Are: SMBs have steadily increased      their efforts to meet consumers where they are now: online. Globally, 82%      of SMB owners have made updates to their operations to meet the increasing      demand for digital payments, up from 67% in summer 2020 when the first      Visa Back to Business Study was released.

  • The Fight Against Fraud: Tech-savvy business owners      (52%) are more likely than their novice counterparts (39%) to invest in      security and fraud protection. Recognizing the significance of and      responding to a potential fraud attack will continue to be a decided      advantage in 2021 as the shift to digital sales continues to increase.      Despite concern, global fraud rates remain at historic lows, at roughly      $0.007 for every $1.001.

New Year Brings a New Era for Consumer Habits

  • Consumer Preference: Almost overnight, consumers      put Covid-19 safety measures at the top of their shopping lists, igniting      a rapid shift to touchless commerce. Two-thirds (65%) of surveyed      consumers would prefer to use contactless payments as much as, or even      more than, they are currently, and only 16% say they would revert to their      old methods of payments, post-pandemic.

  • Safety-Conscious Shoppers: While the universal focus is      on mask use in stores, consumers are also eager to have payment      alternatives to handling cash, pens and keypads. 47% of consumers say they      will not shop at a store that does not offer a contactless way to pay.

  • At the Card Wash: Card cleanliness remains key      for consumers in the fight against the spread of Covid-19. More than three      in five (62%) are taking steps to keep their credit cards clean; using      disinfectant on their card is the top approach, at 31%.

Regional Insights: Making Moves to Meet Consumers

  • Pivoting to meet the new digital-first era: Nearly all UAE SMBs (97%) and      Hong Kong SMBs (96%) have adjusted the way they operate in the past three      months, compared to the global average of 82%. In June, just two in five      Hong Kong SMBs (40%) were selling products and services online. Now,      nearly three in five (57%) are selling more online, compared to the global      average of 43%.

  • Consumers are shopping digitally, and with an eye      on security and safety:      Globally, 82% of consumers have taken some additional action to protect      themselves from fraud, with UAE the most likely at 90%. Nearly all UAE      consumers (96%, compared to 62% globally) are also taking steps to keep      their credit card clean, making them the most likely of all markets      surveyed to do so.

As the trusted engine of commerce, Visa will continue to introduce new programs and resources that advance its commitment to digitally enable 50 million SMBs. On the heels of Visa Street Teams visiting more than 300,000 small businesses in 12 markets over the course of 2020 to provide new point of sale branding, a virtual version of this program—The Virtual Breakroom: Back to Business Learning Series—can now offer every small business access to tutorials on contactless payments, growing your business online and digital marketing/reputation management.

More information on the programs Visa has made available to small and micro businesses are available on the Visa Small Business Hub and the Visa Small Business COVID-19 relief site.

Methodology: Visa Back to Business Study – 2021 Outlook

The Visa Back to Business Study was conducted by Wakefield Research between November 13 and November 25, 2020, among 250 small business owners at companies with 100 employees or fewer in Brazil, Canada, Germany, Hong Kong, Ireland, Russia, Singapore, UAE and U.S. Separately, the consumer portion of the survey was conducted by Wakefield Research between November 13 and November 25, 2020, among 1,000 adults in the U.S., and 500 adults in Brazil, Canada, Germany, Hong Kong, Ireland, Russia, Singapore and UAE. The data was weighted to ensure an accurate representation of adults ages 18+ in each market.

About Visa Inc.

Visa Inc. (NYSE: V) is the world’s leader in digital payments. Our mission is to connect the world through the most innovative, reliable and secure payment network - enabling individuals, businesses and economies to thrive. Our advanced global processing network, VisaNet, provides secure and reliable payments around the world, and is capable of handling more than 65,000 transaction messages a second. The company’s relentless focus on innovation is a catalyst for the rapid growth of digital commerce on any device, for everyone, everywhere. As the world moves from analog to digital, Visa is applying our brand, products, people, network and scale to reshape the future of commerce. For more information, visit About Visa, visa.com/blog and @VisaNews.

1 Based on Visa data from Jul 1, 2019 to Jun 30, 2020


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