{"id":1,"date":"2023-06-14T10:48:32","date_gmt":"2023-06-14T10:48:32","guid":{"rendered":"https:\/\/dev-www.glocurrency.com\/?p=1"},"modified":"2024-04-06T16:44:10","modified_gmt":"2024-04-06T16:44:10","slug":"5-benefits-of-digital-payments","status":"publish","type":"post","link":"https:\/\/glocurrency.com\/fr\/5-benefits-of-digital-payments\/","title":{"rendered":"5 avantages des paiements num\u00e9riques"},"content":{"rendered":"
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Qu\u2019est-ce que les paiements num\u00e9riques ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Les paiements num\u00e9riques sont une activit\u00e9 de paiement effectu\u00e9e enti\u00e8rement en ligne, via un site Web ou une application mobile. Il permet aux clients d'effectuer des op\u00e9rations de paiement et d'acc\u00e9der aux services de paiement \u00e0 distance, sans avoir \u00e0 se rendre dans une agence physique.<\/span><\/p>\n

Le paiement num\u00e9rique est devenu de plus en plus populaire ces derni\u00e8res ann\u00e9es en raison de sa commodit\u00e9 et de son utilit\u00e9. Les clients peuvent acc\u00e9der \u00e0 leurs comptes \u00e0 tout moment, depuis n'importe quel endroit, et effectuer un large \u00e9ventail de transactions, telles que v\u00e9rifier le solde de leurs comptes, transf\u00e9rer des fonds, payer des factures et demander des pr\u00eats.<\/span><\/p>\n

Avantages des paiements num\u00e9riques<\/span><\/p>\n

Que vous soyez d\u00e9j\u00e0 adepte du paiement num\u00e9rique ou que vous n'ayez pas encore t\u00e9l\u00e9charg\u00e9 l'application mobile de votre banque ou coop\u00e9rative de cr\u00e9dit, il est important de savoir quoi rechercher lors de la gestion des paiements en ligne. Voici quelques-uns des principaux avantages offerts par le paiement num\u00e9rique.<\/span><\/p>\n

Commodit\u00e9<\/span><\/p>\n

La possibilit\u00e9 d\u2019effectuer des paiements o\u00f9 et quand vous le souhaitez est l\u2019un des principaux avantages des solutions de paiement mobile et en ligne.<\/span><\/p>\n

De nombreuses applications de paiement mobile, par exemple, vous permettent d\u2019effectuer des paiements \u00e0 distance. En m\u00eame temps, vous pouvez v\u00e9rifier votre solde, transf\u00e9rer des fonds et configurer des notifications pour vous alerter de toute transaction, le tout sans avoir besoin de vous rendre en succursale. C'est un vrai gain de temps.<\/span><\/p>\n

Le paiement num\u00e9rique offre \u00e9galement des commodit\u00e9s suppl\u00e9mentaires, telles que la possibilit\u00e9 de payer sans esp\u00e8ces.<\/span><\/p>\n

Payer en esp\u00e8ces n'est pas aussi pratique qu'une transaction \u00e9lectronique. Les transactions \u00e9lectroniques sont plus s\u00e9curis\u00e9es (vous ne transportez pas d'argent liquide), elles sont plus hygi\u00e9niques (vous ne touchez pas d'argent liquide) et vous pouvez suivre vos transactions \u00e9lectroniquement.<\/span><\/p>\n

\u00ab Une soci\u00e9t\u00e9 sans num\u00e9raire avec des transactions num\u00e9riques est beaucoup plus efficace et permet une bien meilleure gestion de vos ressources financi\u00e8res \u00bb, explique Cohee.<\/span><\/p>\n

Caract\u00e9ristiques<\/span><\/p>\n

Les exp\u00e9riences en ligne de nombreuses applications de paiement offrent autant de fonctionnalit\u00e9s que le paiement en personne, sinon plus.<\/span><\/p>\n

\u00ab Les applications de paiement peuvent offrir des conseils financiers personnalis\u00e9s, des outils d'\u00e9pargne, des calculateurs de gros achats ou m\u00eame des assistants virtuels, le tout dans le confort d'une application \u00bb, explique Matthew Williamson, vice-pr\u00e9sident mondial des services financiers du cabinet de conseil num\u00e9rique Mobiquity.<\/span><\/p>\n

Les applications de paiement vous permettent g\u00e9n\u00e9ralement d'effectuer des t\u00e2ches de paiement quotidiennes, comme consulter les relev\u00e9s et les soldes des comptes, transf\u00e9rer des fonds et payer des factures. Le d\u00e9p\u00f4t de ch\u00e8ques mobile, qui permet aux utilisateurs de d\u00e9poser des ch\u00e8ques depuis leur t\u00e9l\u00e9phone, est \u00e9galement courant.<\/span><\/p>\n

Des fonctionnalit\u00e9s telles que les paiements peer-to-peer ne sont peut-\u00eatre pas une priorit\u00e9, mais la possibilit\u00e9 d'envoyer de l'argent en quelques minutes via votre application de paiement mobile peut \u00eatre pratique, et de nombreuses applications de paiement proposent d\u00e9sormais cette fonctionnalit\u00e9. La localisation des distributeurs automatiques \u00e0 proximit\u00e9, les retraits sans carte aux distributeurs automatiques et les outils de budg\u00e9tisation et de suivi sont d'autres avantages que votre application de paiement mobile peut offrir.<\/span><\/p>\n

Certaines applications de paiement offrent m\u00eame la possibilit\u00e9 de discuter en direct avec un repr\u00e9sentant via leurs applications, ce qui, selon Williamson, peut combler le foss\u00e9 entre les paiements en personne et num\u00e9riques.<\/span><\/p>\n

\u00ab Les consommateurs devraient rechercher des applications de paiement qui donnent la priorit\u00e9 \u00e0 une touche humaine, m\u00eame dans leurs canaux num\u00e9riques, en trouvant le juste \u00e9quilibre entre l'\u00e9l\u00e9ment humain et l'automatisation num\u00e9rique \u00bb, explique Williamson.<\/span><\/p>\n

S\u00e9curit\u00e9<\/span><\/p>\n

\u00ab La s\u00e9curit\u00e9 est une priorit\u00e9 n\u00b01 pour les institutions financi\u00e8res \u00bb, d\u00e9clare Cohee. Et cela s'\u00e9tend aux paiements mobiles et en ligne.<\/span><\/p>\n

Les menaces existent partout, y compris au sein des agences bancaires. Heureusement, de nombreuses banques facilitent la prise de mesures de s\u00e9curit\u00e9 suppl\u00e9mentaires. Par exemple, votre application de paiement peut vous permettre d'ajouter une authentification multifacteur \u00e0 votre application mobile et \u00e0 votre compte en ligne.<\/span><\/p>\n

De nombreuses applications de paiement mobile vous permettent \u00e9galement d'utiliser l'authentification biom\u00e9trique pour vous connecter. Votre application de paiement peut \u00e9galement rechercher automatiquement certains risques. S'il d\u00e9tecte une activit\u00e9 suspecte, il peut demander une v\u00e9rification suppl\u00e9mentaire.<\/span><\/p>\n

Dans l\u2019ensemble, vous \u00eates peut-\u00eatre plus en s\u00e9curit\u00e9 que vous ne le pensez lorsque vous utilisez les paiements num\u00e9riques.<\/span><\/p>\n

"Il a \u00e9t\u00e9 rapport\u00e9 que les paiements num\u00e9riques et les portefeuilles \u00e9lectroniques offrent dans certains cas plus de s\u00e9curit\u00e9 que les transactions physiques, ce qui donne \u00e0 certains utilisateurs encore plus de raisons d'utiliser les outils de paiement num\u00e9riques", explique Williamson.<\/span><\/p>\n

De plus, votre argent est garanti par des banques assur\u00e9es par la Federal Deposit Insurance Corporation. Les comptes assur\u00e9s par la FDIC sont couverts jusqu'\u00e0 $250 000 par d\u00e9posant, par banque, pour chaque cat\u00e9gorie de propri\u00e9t\u00e9 de compte, en cas de faillite bancaire. Les coop\u00e9ratives de cr\u00e9dit f\u00e9d\u00e9rales et la majorit\u00e9 des coop\u00e9ratives de cr\u00e9dit agr\u00e9\u00e9es par l'\u00c9tat offrent les m\u00eames niveaux de protection via la National Credit Union Administration.<\/span><\/p>\n

Cohee affirme qu\u2019une grande partie du risque est souvent entre les mains des institutions financi\u00e8res et non entre celles des consommateurs.<\/span><\/p>\n

Contr\u00f4le<\/span><\/p>\n

Avoir le contr\u00f4le de vos finances avec la possibilit\u00e9 de vous servir en libre-service est un autre avantage important des paiements num\u00e9riques, tout comme l'acc\u00e8s en temps r\u00e9el \u00e0 la gestion et au transfert d'argent comme bon vous semble, explique Williamson.<\/span><\/p>\n

Contrairement au paiement en personne, les applications et sites Web de paiement mobile n'imposent g\u00e9n\u00e9ralement aucune restriction quant au moment o\u00f9 vous pouvez effectuer des t\u00e2ches de paiement, comme d\u00e9poser un ch\u00e8que ou transf\u00e9rer de l'argent d'un compte \u00e0 un autre.<\/span><\/p>\n

Et il devient de plus en plus facile de g\u00e9rer les transactions quotidiennes. "Le monde de la technologie offre la possibilit\u00e9 de recevoir de l'argent et de le d\u00e9penser de mani\u00e8re beaucoup plus simple qu'auparavant", explique Cohee.<\/span><\/p>\n

Les banques continuent de perfectionner les fonctionnalit\u00e9s propos\u00e9es sur leurs plateformes de paiement num\u00e9rique. Les outils d'\u00e9pargne automatis\u00e9s et les notifications push pour des \u00e9v\u00e9nements tels que des soldes faibles ou des d\u00e9couverts sont monnaie courante. Dans de nombreux cas, vous pouvez m\u00eame activer une nouvelle carte de d\u00e9bit ou de cr\u00e9dit depuis votre application.<\/span><\/p>\n

Avantages au-del\u00e0 des paiements<\/span><\/p>\n

\u00c0 plus grande \u00e9chelle, Cohee note que nous pouvons utiliser des outils de connectivit\u00e9 modernes pour cr\u00e9er un changement financier, social et \u00e9conomique.<\/span><\/p>\n

\u00ab Ce produit de paiement en ligne permet une base de communication plus large qui peut \u00eatre utilis\u00e9e pour des choses comme l'enseignement de la litt\u00e9ratie financi\u00e8re \u00bb, explique Cohee.<\/span><\/p>\n

Le paiement num\u00e9rique devient \u00e9galement un moyen de trouver des communaut\u00e9s et des options adapt\u00e9es \u00e0 vos besoins en tant que client. De nombreuses banques appartenant \u00e0 des Noirs aux \u00c9tats-Unis, comme OneUnited, sont en mesure d'\u00e9tendre leur port\u00e9e aux communaut\u00e9s noires \u00e0 travers les \u00c9tats-Unis en proposant des services de paiement en ligne.<\/span><\/p>\n

Daylight, une plateforme de paiement num\u00e9rique qui propose des \u00ab paiements pour les personnes LGBT+, par des personnes LGBT+ \u00bb, en est un autre exemple. Les offres de Daylight se concentrent sur la communaut\u00e9 et l'empathie tout en abordant les probl\u00e8mes qui compliquent la vie financi\u00e8re des personnes LGBT+. La carte Daylight est un compte mobile qui comporte le nom choisi par l'individu, quelle que soit sa pi\u00e8ce d'identit\u00e9 officielle.<\/span><\/p>\n

Le paiement en ligne est-il s\u00e9curis\u00e9 ?<\/span><\/p>\n

Les banques utilisent diverses technologies pour garantir la s\u00e9curit\u00e9 des paiements en ligne. Cela inclut le cryptage, les pare-feu et l'authentification multifacteur pour prot\u00e9ger les donn\u00e9es des clients et emp\u00eacher tout acc\u00e8s non autoris\u00e9.<\/span><\/p>\n

Cependant, il existe des cas dans lesquels le paiement en ligne peut ne pas \u00eatre s\u00e9curis\u00e9. Par exemple, lorsque les clients utilisent des r\u00e9seaux Wi-Fi publics ou des appareils non s\u00e9curis\u00e9s pour acc\u00e9der \u00e0 leurs comptes, ce qui peut les rendre vuln\u00e9rables aux attaques de pirates informatiques.<\/span><\/p>\n

Frais de paiement en ligne<\/span><\/p>\n

Les banques en ligne ont des frais g\u00e9n\u00e9raux inf\u00e9rieurs \u00e0 ceux des banques traditionnelles, ce qui signifie qu'elles ont souvent des frais moins \u00e9lev\u00e9s. N\u00e9anmoins, vous pourriez voir certains de ces frais de paiement en ligne courants en fonction de l'institution que vous choisissez\u00a0:<\/span><\/p>\n

Frais de maintenance mensuels pour la maintenance d'un compte de paiement en ligne, surtout si vous ne remplissez pas certaines conditions de solde ou d'activit\u00e9.<\/span><\/p>\n

Frais de d\u00e9couvert si vous d\u00e9pensez au-del\u00e0 de votre solde.<\/span><\/p>\n

Frais de guichet automatique si vous utilisez un guichet automatique hors r\u00e9seau.<\/span><\/p>\n

Frais de virement bancaire si vous envoyez ou recevez un virement bancaire national ou international.<\/span><\/p>\n

Arr\u00eatez les frais de paiement si vous demandez \u00e0 votre banque d'arr\u00eater un ch\u00e8que ou une transaction ACH avant son r\u00e8glement.<\/span><\/p>\n

Frais de transaction \u00e0 l'\u00e9tranger si vous effectuez un achat dans une devise \u00e9trang\u00e8re.<\/span><\/p>\n

Conclusion<\/span><\/p>\n

Le paiement mobile et en ligne peut vous aider \u00e0 prendre le contr\u00f4le de votre vie financi\u00e8re, en vous offrant un acc\u00e8s plus facile aux outils et fonctionnalit\u00e9s importants. Mais le paiement num\u00e9rique peut \u00e9galement offrir des avantages au-del\u00e0 des paiements, en vous connectant \u00e0 une communaut\u00e9 et \u00e0 des opportunit\u00e9s de paiement sp\u00e9cifiques \u00e0 vos d\u00e9sirs et besoins, quel que soit l'endroit o\u00f9 vous vivez.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

What Is Digital Payments? Digital Payments is payment activity conducted entirely online, either through a website or mobile app. It lets customers perform payment transactions and access payment services remotely, without having to visit a physical branch. Digital payment has become increasingly popular in recent years due to its convenience and utility. Customers can access their accounts at any time, from any location, and perform a wide range of transactions, such as checking account balances, transferring funds, paying bills and applying for loans. Benefits of Digital Payments Whether you\u2019re already all-in on digital Payment or you\u2019ve yet to download your bank or credit union\u2019s mobile app, it\u2019s important to know what to look for when managing payments online. Here are some of the primary benefits offered by digital payment. Convenience The ability to conduct payments wherever and whenever you want is one of the main benefits of mobile and online payment solutions. Many mobile payment apps, for instance, let you make payments remotely. At the same time, you can check your balance, transfer funds and set up notifications to alert you of any transactions\u2014all without the need to visit a branch. It\u2019s a real time-saver. Digital payment also offers additional conveniences, such as the ability to go cashless. Paying with cash isn\u2019t as convenient as an electronic transaction. Electronic transactions are more secure (you aren\u2019t carrying cash), they\u2019re more sanitary (you aren\u2019t touching cash), and you can track your transactions electronically. \u201cA cashless society with digital transactions is much more efficient and it allows for much better management of your financial resources,\u201d says Cohee. Features Many payment apps\u2019 online experiences offer just as many features as paying in person\u2014if not more. \u201cPayment apps might offer personalized financial advice, savings tools, big-purchase calculators, or even virtual assistants, all within the convenience of an app,\u201d says Matthew Williamson, global vice president of financial services for digital consultancy Mobiquity. Payment apps typically let you complete everyday payment tasks, like viewing statements and account balances, transferring funds, and paying bills. Mobile check deposit, which lets users deposit checks from their phone, is also common. Features like peer-to-peer payments might not be top-of-mind, but the ability to send money in minutes through your mobile payment app can be handy, and many payment apps now offer this feature. Locating nearby ATMs, cardless ATM withdrawals, and budgeting and tracking tools are other perks your mobile payment app may offer. Some payment apps even offer the ability to chat with a live representative through their apps, which Williamson points out can bridge the gap between in-person and digital payments. \u201cConsumers should seek out payment apps that prioritize offering a human touch even in their digital channels, striking the right balance between the human element and digital automation,\u201d says Williamson. Security \u201cSecurity is a No. 1 priority for financial institutions,\u201d says Cohee. And that extends to mobile and online payments. Threats exist everywhere, including inside bank branches. Fortunately, many banks make it easy to take extra security precautions. For example, your payment app may let you add multifactor authentication to your mobile app and online account. Many mobile payment apps also let you use biometric authentication to log in. Your payment app may also scan for certain risks automatically. If it detects a suspicious activity, it may ask for additional verification. Overall, you may be more secure than you think when using digital payments. \u201cIt\u2019s been reported that digital payments and e-wallets actually offer more security in some cases than physical transactions, giving some users even more reason to use digital payment tools,\u201d says Williamson. Plus, your money is guaranteed by banks insured by the Federal Deposit Insurance Corporation. FDIC-insured accounts are covered up to $250,000 per depositor, per bank, for each account ownership category, in the event of a bank failure. Federal credit unions and the majority of state-chartered credit unions provide the same levels of protection via the National Credit Union Administration. Cohee says that a lot of the risk is often in the hands of the financial institutions, not in the hands of consumers. Control Having control over your finances with the ability to self-serve is another significant benefit of digital payments, as is real-time access to managing and moving money as you see fit, says Williamson. Unlike paying in person, mobile payment apps and websites generally have no restrictions on when you can perform payment tasks, like depositing a check or moving money from one account to another. And it\u2019s getting easier to navigate daily transactions. \u201cThe world of technology is offering the opportunity to be able to receive money and to spend money in ways that are much easier than they were in past times,\u201d says Cohee. Banks are continuing to advance the features offered on their digital payment platforms. Automated savings tools and push notifications for events like low balances or overdrafts are commonplace. In many cases, you can even activate a new debit or credit card from your app. Benefits Beyond Payments On a larger scale, Cohee notes that we can use modern connectivity tools to create financial, social, and economic change. \u201cThis online payment product allows for a broader base of communication that can be used for things like teaching financial literacy,\u201d says Cohee. Digital payment is also becoming a way to find communities and options tailored to your needs as a customer. Many Black-owned banks in America, like OneUnited, are able to extend their reach to Black communities across the U.S. by offering online payment services. Daylight, a digital payment platform that provides \u201cPayments for LGBT+ people, by LGBT+ people,\u201d is another example. Daylight\u2019s offerings focus on community and empathy while addressing issues that complicate the financial lives of LGBT+ people. The Daylight card is a mobile-first account that features the individual\u2019s chosen name, no matter what their official ID may state. Is Online Payment Safe? Banks use various technologies to ensure online payment is safe. This includes encryption, firewalls, and multifactor authentication to protect customer data and prevent<\/p>","protected":false},"author":1,"featured_media":4104,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"yoast_head":"\n5 Benefits Of Digital Payments - Glo Currency<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/glocurrency.com\/fr\/5-benefits-of-digital-payments\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 Benefits Of Digital Payments - Glo Currency\" \/>\n<meta property=\"og:description\" content=\"What Is Digital Payments? Digital Payments is payment activity conducted entirely online, either through a website or mobile app. It lets customers perform payment transactions and access payment services remotely, without having to visit a physical branch. Digital payment has become increasingly popular in recent years due to its convenience and utility. Customers can access their accounts at any time, from any location, and perform a wide range of transactions, such as checking account balances, transferring funds, paying bills and applying for loans. Benefits of Digital Payments Whether you\u2019re already all-in on digital Payment or you\u2019ve yet to download your bank or credit union\u2019s mobile app, it\u2019s important to know what to look for when managing payments online. Here are some of the primary benefits offered by digital payment. Convenience The ability to conduct payments wherever and whenever you want is one of the main benefits of mobile and online payment solutions. Many mobile payment apps, for instance, let you make payments remotely. At the same time, you can check your balance, transfer funds and set up notifications to alert you of any transactions\u2014all without the need to visit a branch. It\u2019s a real time-saver. Digital payment also offers additional conveniences, such as the ability to go cashless. Paying with cash isn\u2019t as convenient as an electronic transaction. Electronic transactions are more secure (you aren\u2019t carrying cash), they\u2019re more sanitary (you aren\u2019t touching cash), and you can track your transactions electronically. \u201cA cashless society with digital transactions is much more efficient and it allows for much better management of your financial resources,\u201d says Cohee. Features Many payment apps\u2019 online experiences offer just as many features as paying in person\u2014if not more. \u201cPayment apps might offer personalized financial advice, savings tools, big-purchase calculators, or even virtual assistants, all within the convenience of an app,\u201d says Matthew Williamson, global vice president of financial services for digital consultancy Mobiquity. Payment apps typically let you complete everyday payment tasks, like viewing statements and account balances, transferring funds, and paying bills. Mobile check deposit, which lets users deposit checks from their phone, is also common. Features like peer-to-peer payments might not be top-of-mind, but the ability to send money in minutes through your mobile payment app can be handy, and many payment apps now offer this feature. Locating nearby ATMs, cardless ATM withdrawals, and budgeting and tracking tools are other perks your mobile payment app may offer. Some payment apps even offer the ability to chat with a live representative through their apps, which Williamson points out can bridge the gap between in-person and digital payments. \u201cConsumers should seek out payment apps that prioritize offering a human touch even in their digital channels, striking the right balance between the human element and digital automation,\u201d says Williamson. Security \u201cSecurity is a No. 1 priority for financial institutions,\u201d says Cohee. And that extends to mobile and online payments. Threats exist everywhere, including inside bank branches. Fortunately, many banks make it easy to take extra security precautions. For example, your payment app may let you add multifactor authentication to your mobile app and online account. Many mobile payment apps also let you use biometric authentication to log in. Your payment app may also scan for certain risks automatically. If it detects a suspicious activity, it may ask for additional verification. Overall, you may be more secure than you think when using digital payments. \u201cIt\u2019s been reported that digital payments and e-wallets actually offer more security in some cases than physical transactions, giving some users even more reason to use digital payment tools,\u201d says Williamson. Plus, your money is guaranteed by banks insured by the Federal Deposit Insurance Corporation. FDIC-insured accounts are covered up to $250,000 per depositor, per bank, for each account ownership category, in the event of a bank failure. Federal credit unions and the majority of state-chartered credit unions provide the same levels of protection via the National Credit Union Administration. Cohee says that a lot of the risk is often in the hands of the financial institutions, not in the hands of consumers. Control Having control over your finances with the ability to self-serve is another significant benefit of digital payments, as is real-time access to managing and moving money as you see fit, says Williamson. Unlike paying in person, mobile payment apps and websites generally have no restrictions on when you can perform payment tasks, like depositing a check or moving money from one account to another. And it\u2019s getting easier to navigate daily transactions. \u201cThe world of technology is offering the opportunity to be able to receive money and to spend money in ways that are much easier than they were in past times,\u201d says Cohee. Banks are continuing to advance the features offered on their digital payment platforms. Automated savings tools and push notifications for events like low balances or overdrafts are commonplace. In many cases, you can even activate a new debit or credit card from your app. Benefits Beyond Payments On a larger scale, Cohee notes that we can use modern connectivity tools to create financial, social, and economic change. \u201cThis online payment product allows for a broader base of communication that can be used for things like teaching financial literacy,\u201d says Cohee. Digital payment is also becoming a way to find communities and options tailored to your needs as a customer. Many Black-owned banks in America, like OneUnited, are able to extend their reach to Black communities across the U.S. by offering online payment services. Daylight, a digital payment platform that provides \u201cPayments for LGBT+ people, by LGBT+ people,\u201d is another example. Daylight\u2019s offerings focus on community and empathy while addressing issues that complicate the financial lives of LGBT+ people. The Daylight card is a mobile-first account that features the individual\u2019s chosen name, no matter what their official ID may state. Is Online Payment Safe? Banks use various technologies to ensure online payment is safe. 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Glo Currency","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/glocurrency.com\/fr\/5-benefits-of-digital-payments\/","og_locale":"fr_FR","og_type":"article","og_title":"5 Benefits Of Digital Payments - Glo Currency","og_description":"What Is Digital Payments? Digital Payments is payment activity conducted entirely online, either through a website or mobile app. It lets customers perform payment transactions and access payment services remotely, without having to visit a physical branch. Digital payment has become increasingly popular in recent years due to its convenience and utility. Customers can access their accounts at any time, from any location, and perform a wide range of transactions, such as checking account balances, transferring funds, paying bills and applying for loans. Benefits of Digital Payments Whether you\u2019re already all-in on digital Payment or you\u2019ve yet to download your bank or credit union\u2019s mobile app, it\u2019s important to know what to look for when managing payments online. Here are some of the primary benefits offered by digital payment. Convenience The ability to conduct payments wherever and whenever you want is one of the main benefits of mobile and online payment solutions. Many mobile payment apps, for instance, let you make payments remotely. At the same time, you can check your balance, transfer funds and set up notifications to alert you of any transactions\u2014all without the need to visit a branch. It\u2019s a real time-saver. Digital payment also offers additional conveniences, such as the ability to go cashless. Paying with cash isn\u2019t as convenient as an electronic transaction. Electronic transactions are more secure (you aren\u2019t carrying cash), they\u2019re more sanitary (you aren\u2019t touching cash), and you can track your transactions electronically. \u201cA cashless society with digital transactions is much more efficient and it allows for much better management of your financial resources,\u201d says Cohee. Features Many payment apps\u2019 online experiences offer just as many features as paying in person\u2014if not more. \u201cPayment apps might offer personalized financial advice, savings tools, big-purchase calculators, or even virtual assistants, all within the convenience of an app,\u201d says Matthew Williamson, global vice president of financial services for digital consultancy Mobiquity. Payment apps typically let you complete everyday payment tasks, like viewing statements and account balances, transferring funds, and paying bills. Mobile check deposit, which lets users deposit checks from their phone, is also common. Features like peer-to-peer payments might not be top-of-mind, but the ability to send money in minutes through your mobile payment app can be handy, and many payment apps now offer this feature. Locating nearby ATMs, cardless ATM withdrawals, and budgeting and tracking tools are other perks your mobile payment app may offer. Some payment apps even offer the ability to chat with a live representative through their apps, which Williamson points out can bridge the gap between in-person and digital payments. \u201cConsumers should seek out payment apps that prioritize offering a human touch even in their digital channels, striking the right balance between the human element and digital automation,\u201d says Williamson. Security \u201cSecurity is a No. 1 priority for financial institutions,\u201d says Cohee. And that extends to mobile and online payments. Threats exist everywhere, including inside bank branches. Fortunately, many banks make it easy to take extra security precautions. For example, your payment app may let you add multifactor authentication to your mobile app and online account. Many mobile payment apps also let you use biometric authentication to log in. Your payment app may also scan for certain risks automatically. If it detects a suspicious activity, it may ask for additional verification. Overall, you may be more secure than you think when using digital payments. \u201cIt\u2019s been reported that digital payments and e-wallets actually offer more security in some cases than physical transactions, giving some users even more reason to use digital payment tools,\u201d says Williamson. Plus, your money is guaranteed by banks insured by the Federal Deposit Insurance Corporation. FDIC-insured accounts are covered up to $250,000 per depositor, per bank, for each account ownership category, in the event of a bank failure. Federal credit unions and the majority of state-chartered credit unions provide the same levels of protection via the National Credit Union Administration. Cohee says that a lot of the risk is often in the hands of the financial institutions, not in the hands of consumers. Control Having control over your finances with the ability to self-serve is another significant benefit of digital payments, as is real-time access to managing and moving money as you see fit, says Williamson. Unlike paying in person, mobile payment apps and websites generally have no restrictions on when you can perform payment tasks, like depositing a check or moving money from one account to another. And it\u2019s getting easier to navigate daily transactions. \u201cThe world of technology is offering the opportunity to be able to receive money and to spend money in ways that are much easier than they were in past times,\u201d says Cohee. Banks are continuing to advance the features offered on their digital payment platforms. Automated savings tools and push notifications for events like low balances or overdrafts are commonplace. In many cases, you can even activate a new debit or credit card from your app. Benefits Beyond Payments On a larger scale, Cohee notes that we can use modern connectivity tools to create financial, social, and economic change. \u201cThis online payment product allows for a broader base of communication that can be used for things like teaching financial literacy,\u201d says Cohee. Digital payment is also becoming a way to find communities and options tailored to your needs as a customer. Many Black-owned banks in America, like OneUnited, are able to extend their reach to Black communities across the U.S. by offering online payment services. Daylight, a digital payment platform that provides \u201cPayments for LGBT+ people, by LGBT+ people,\u201d is another example. Daylight\u2019s offerings focus on community and empathy while addressing issues that complicate the financial lives of LGBT+ people. The Daylight card is a mobile-first account that features the individual\u2019s chosen name, no matter what their official ID may state. Is Online Payment Safe? Banks use various technologies to ensure online payment is safe. This includes encryption, firewalls, and multifactor authentication to protect customer data and prevent","og_url":"https:\/\/glocurrency.com\/fr\/5-benefits-of-digital-payments\/","og_site_name":"Glo Currency","article_publisher":"https:\/\/www.facebook.com\/GloCurrency","article_published_time":"2023-06-14T10:48:32+00:00","article_modified_time":"2024-04-06T16:44:10+00:00","og_image":[{"width":1080,"height":1080,"url":"https:\/\/glocurrency.com\/wp-content\/uploads\/2023\/06\/Glocurrency-flyers-23.png","type":"image\/png"}],"author":"GLCAdmin","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"GLCAdmin","Dur\u00e9e de lecture estim\u00e9e":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/glocurrency.com\/5-benefits-of-digital-payments\/#article","isPartOf":{"@id":"https:\/\/glocurrency.com\/5-benefits-of-digital-payments\/"},"author":{"name":"GLCAdmin","@id":"\/#\/schema\/person\/8ce53126c4022ba4ad878fcd96c969d1"},"headline":"5 Benefits Of Digital Payments","datePublished":"2023-06-14T10:48:32+00:00","dateModified":"2024-04-06T16:44:10+00:00","mainEntityOfPage":{"@id":"https:\/\/glocurrency.com\/5-benefits-of-digital-payments\/"},"wordCount":1224,"commentCount":1,"publisher":{"@id":"\/#organization"},"image":{"@id":"https:\/\/glocurrency.com\/5-benefits-of-digital-payments\/#primaryimage"},"thumbnailUrl":"https:\/\/glocurrency.com\/wp-content\/uploads\/2023\/06\/Glocurrency-flyers-23.png","articleSection":["Blog"],"inLanguage":"fr-FR","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/glocurrency.com\/5-benefits-of-digital-payments\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/glocurrency.com\/5-benefits-of-digital-payments\/","url":"https:\/\/glocurrency.com\/5-benefits-of-digital-payments\/","name":"5 Benefits Of Digital Payments - 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