Descrizione del progetto
Un modo intelligente per pagare nei negozi
I moderni metodi di pagamento hanno rapidamente sostituito contanti, assegni personali e persino carte di credito. Tuttavia, le reti di carte di credito (Visa e MasterCard) e gli strumenti di pagamento elettronico (PayPal, Apple Pay, Google Wallet) hanno tutti sede negli Stati Uniti, il che crea una situazione sfavorevole per il settore finanziario europeo. Il risultato è un costante pericolo di perdere entrate derivanti dalle transazioni. Il progetto Bluecode, finanziato dall’UE, propone una soluzione di pagamento mobile avanzata che consentirà alle entità europee di gestire l’intero processo di pagamenti non monetari. Basato su codici a barre (token), il processo garantisce l’anonimato, la sicurezza e la resilienza alle minacce informatiche. Il mercato dei pagamenti diversi dai contanti è in costante crescita in Europa e la soluzione di Bluecode è volta a elaborare il 20 % delle transazioni entro il 2020.
Obiettivo
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.
Campo scientifico
Programma(i)
Argomento(i)
Invito a presentare proposte
Vedi altri progetti per questo bandoBando secondario
H2020-SMEInst-2018-2020-2
Meccanismo di finanziamento
SME-2 - SME instrument phase 2Coordinatore
6020 INNSBRUCK
Austria
L’organizzazione si è definita una PMI (piccola e media impresa) al momento della firma dell’accordo di sovvenzione.