Description du projet
Une façon intelligente de payer dans les magasins
Les méthodes de paiement modernes ont rapidement remplacé l’argent liquide, les chèques personnels et même les cartes de crédit. Toutefois, les réseaux de cartes de crédit (Visa et MasterCard) et les outils de paiement électronique (PayPal, Apple Pay, Google Wallet) sont tous basés aux États-Unis, ce qui crée une situation défavorable pour l’industrie financière européenne. Il en résulte un danger constant de perte de revenus sur les transactions. Le projet Bluecode, financé par l’UE, propose une solution de paiement mobile avancée qui permettra aux entités européennes de gérer l’ensemble du processus de paiement scriptural. Basé sur des codes-barres (tokens), le processus garantit l’anonymat, la sécurité et se montre résilient face aux cybermenaces. Le marché des paiements scripturaux est en croissance constante en Europe, et la solution Bluecode a pour ambition de traiter 20 % des transactions d’ici 2020.
Objectif
Cash has been the most popular payment method for centuries, but it is quite cumbersome and expensive. Decades ago, the payment possibilities were broadened with cheques and debit/credit cards, and recently a new generation of alternatives brought by FinTech companies is disrupting the industry with eWallets, contactless payment, etc. However, most of these new payment tools inevitably involve resorting to USA-based card networks (Visa and MasterCard) and electronic payment tools (PayPal, Apple Pay, Google Wallet). This represents a dramatic situation for the European financial industry, threatened to lose the revenues generated by the transactions but also the ‘emotional’ link with customers and even the whole payment process (consumers migrating to USA banks).
How can we help tackling this challenge? Blue Code is an innovative mobile payment solution that will avoid the need of resorting to USA players to conduct the non-cash payments in Europe. Through our 100% European payment scheme, the entire payment process is conducted with European entities, so all the revenues and customer interface remains internally. Besides, we assure ‘security by design’ through an innovative payment method based on barcodes (Tokens) that keeps all the process anonymous, so no sensitive data like name, address or bank account is managed, and thus there are no possibilities of hacking of misuse.
In Europe, 130 billion non-cash transactions are performed each year and this number is growing 6.5% annually. The alternative payment methods like Blue Code are increasing its relevance and are estimated to process 20% of the total cashless transactions by 2020, taking one third of the total revenues generated, thus a total addressable market of €22 billion. Thanks to the technical advances and commercial milestones brought by this project, we estimate to generate €19.6 million cumulative profit by 2022 and 14 new job positions.
Champ scientifique
Programme(s)
Régime de financement
SME-2 - SME instrument phase 2Coordinateur
6020 INNSBRUCK
Autriche
L’entreprise s’est définie comme une PME (petite et moyenne entreprise) au moment de la signature de la convention de subvention.