{"id":4083,"date":"2016-09-15T08:48:53","date_gmt":"2016-09-15T08:48:53","guid":{"rendered":"http:\/\/bitcoinromania.ro\/?p=4083"},"modified":"2026-03-01T13:39:54","modified_gmt":"2026-03-01T11:39:54","slug":"apple-si-google-exploreaza-blockchain-pentru-perfectiona-portofelele-lor-iar-cardurile-de-credit-sunt-sub-amenintare","status":"publish","type":"post","link":"https:\/\/bitcoinromania.ro\/blog\/apple-si-google-exploreaza-blockchain-pentru-perfectiona-portofelele-lor-iar-cardurile-de-credit-sunt-sub-amenintare\/","title":{"rendered":"Apple si Google exploreaza blockchain pentru a-si perfectiona portofelele, iar cardurile de credit sunt sub amenintare"},"content":{"rendered":"

Portofelele electronice\u00a0au devenit puternic in voga in ultima vreme. Unele dintre aceste portofele sunt create de companiile de IT mari, cum ar fi Apple \u0219i Google, in timp ce altele sunt conduse de catre institutiile financiare, cum ar fi bancile. Apoi, exista si serviciul Paypal, care are de asemenea, o miza in intreaga afacere privind portofelele electronice. Aceste portofele exista in diferite forme si in timp ce unele sunt doar aplicatii de plata, iar altele dispun de tehnologia de plata contactless. Tehnologiile care stau la baza acestor portofele variaza de la QR, NFC, Wi – Fi, Bluetooth etc.<\/p>\n

\"ecash-and-ewallet-11-638\"<\/a><\/p>\n

Portofelele electronice in aplicatiile de plata<\/h3>\n

In conformitate cu publicatia Verge<\/a>, au existat un miliard de dispozitive active ale Apple in uz , incepand din ianuarie 2016. In ceea ce priveste Apple Pay, a existat o crestere de 400 % in materie de utilizatori in 2016. La nivel mondial exista 11 milioane de puncte de vanzare care accepta plata Apple, in conformitate cu Apple Insider<\/a>. Pe de alta parte, Android Central<\/a> spune ca exist\u0103 1,4 miliarde de dispozitive Android active. Nu exista nicio modalitate clara de a spune cati oameni folosesc de fapt Android Pay si portofelele electronice aferente (noul avatar pentru Google Wallet), dar magazinul Google Play indica<\/a> faptul ca au existat \u00eentre 50,000,000-100.000.000 de instalari.<\/p>\n

Companiile de carduri sub amenintare<\/h3>\n

Plasticul este fantastic, pana cand nu mai este. Deja \u00een India, Alphabet, compania-mama Google, a realizat o asociere cu Idea Cellular pentru a permite clientilor sa plateasca pentru aplicatii, fara a folosi un card de credit, potrivit CNBC. Lipsa de carduri de credit si de debit reprezinta un obstacol in calea adoptarii de aplicatii in multe piete in curs de dezvoltare. Apple, care accepta unele carduri de credit si de debit pe Apple Pay sale, ofera o solutie de plata fara contact. Acest lucru pune Apple in contradictie cu bancile pe mai multe lucruri, unul dintre ele fiind securitatea. In martie 2015, ziarul britanic The Guardian<\/a> a raportat:<\/p>\n

„Infractorii din Statele Unite folosesc noul sistem de plata mobil Apple pentru a cumpara bunuri de valoare mare – de multe ori de la un magazin Apple – cu identitati furate si detalii furate ale cartilor de credit.<\/em>„<\/p>\n

Un alt punct de vedere care a iesit in evidenta a fost legat de taxe. Dupa cum publicatia Forbes<\/a> a spus:<\/p>\n

„Emitentii de carduri de credit platesc aproximativ 15 de puncte de baza, sau 0,15% dintr-o achizitie Apple Pay, pentru ceea ce echivaleaza cu o garantie Apple a unei tranzactii. Asta e un cost care este dificil sa treaca de clientii lor, astfel incat stimulentele pentru companiile de carduri de credit pentru a promova Apple Pay nu sunt semnificative. Ei o fac. Dar, cu parere de rau.<\/em>„<\/p>\n

\"mobile-wallet\"<\/a><\/p>\n

Blockchain poate oferi solutia pentru portofelele electronice<\/h3>\n

Ar putea sa se raspunda la solutiile de plata si acestea sa fie create in jurul Blockchain<\/strong>? A existat o anumita discutie privind companiile Google si Apple, care prezinta interes pentru Ripple si produsul sau Blockchain<\/strong>. Stefan Thomas<\/a>, Chief Technical Officer la Ripple a declarat<\/a> pentru Pymnts.com ca aceste companii doresc sa stie mai multe:<\/p>\n

„La aceste forumuri vom analiza companiile Google, Apple, etc si evident, vom observa problemele pe care acestea le au cu retelele de carduri, portofelele electronice si credem ca Interledger este o solutie foarte buna. Noi vedem interesul lor si faptul ca ele tot ne cer sa oferim prezentari pe acest subiect.<\/em>„<\/p>\n

De asemenea, el a spus ca marile companii tech „urasc absolut toti emitentii de carduri.<\/em>„<\/p>\n

Deci, ce despre P2P atunci? Le-ar permite magnatilor Apple si Google pentru a configura sisteme de plati proprii, portofelele electronice proprii, care ar face sa dispara din intermediari, precum Visa si Mastercard? David Duccini <\/a>din fundatia Strength in Numbers declara:<\/p>\n

„Sa devii un procesor de plata este o actiune anti-Blockchain in opinia mea umila. Adevarata intrebare cred ca este atunci daca consumatorii se simt mai confortabil cu sisteme de plata P2P, care nu se bazeaz\u0103 pe terte parti?<\/em>„<\/p>\n

Nu ar trebui sa vina ca o surpriza aceasta schimbare in industrie, chiar si acceptarea cardurilor de credit este un semn de intrebare la mai multe intreprinderi mici, deoarece acestea prefera doar sa colecteze mici sume de bani in plus de la clienti. Factorii de decizie privind portofelele digitale au nevoie de o trezire la realitate.<\/p>\n

\"ewallet-payment-option\"<\/a><\/p>\n

sursa:\u00a0http:\/\/www.theverge.com\/2016\/1\/26\/10835748\/apple-devices-active-1-billion-iphone-ipad-ios<\/em><\/p>\n

http:\/\/appleinsider.com\/articles\/16\/07\/26\/apple-pay-exceeding-expectations-with-400-percent-user-growth-in-2016<\/em><\/p>\n

http:\/\/www.androidcentral.com\/google-says-there-are-now-14-billion-active-android-devices-worldwide<\/em><\/p>\n

https:\/\/play.google.com\/store\/apps\/details?id=com.google.android.apps.walletnfcrel<\/em><\/p>\n

https:\/\/www.theguardian.com\/technology\/2015\/mar\/02\/apple-pay-mobile-payment-system-scammers<\/em><\/p>\n

http:\/\/www.forbes.com\/forbes\/welcome\/?\/sites\/quickerbettertech\/2015\/06\/01\/why-is-almost-no-one-using-apple-pay\/&toURL=http:\/\/www.forbes.com\/sites\/quickerbettertech\/2015\/06\/01\/why-is-almost-no-one-using-apple-pay\/&refURL=&referrer=#182823203e59<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Portofelele electronice\u00a0au devenit puternic in voga in ultima vreme. Unele dintre aceste portofele sunt create de companiile de IT mari, cum ar fi Apple \u0219i Google, in timp ce altele sunt conduse de catre institutiile financiare, cum ar fi bancile. Apoi, exista si serviciul Paypal, care are de asemenea, o miza in intreaga afacere privind portofelele electronice. Aceste portofele exista in diferite forme si in timp ce unele sunt doar aplicatii de plata, iar altele dispun de tehnologia de plataRead More<\/span><\/a><\/p>\n","protected":false},"author":11,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2,543],"tags":[612,569],"class_list":["post-4083","post","type-post","status-publish","format-standard","hentry","category-bitcoin","category-blockchain-2","tag-bitcoin-wallet","tag-blockchain-technology"],"yoast_head":"\nApple si Google exploreaza blockchain pentru a-si perfectiona portofelele, iar cardurile de credit sunt sub amenintare - Bitcoin Romania<\/title>\n<meta name=\"description\" content=\"Apple si Google exploreaza blockchain pentru a-si perfectiona portofelele electronice proprii si cardurile de credit sunt sub amenintare\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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