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Is the extinction of the point of sale POS terminal nearer than we think? The PED and the POS terminal are intrinsically linked because of the payment industry regulations that define the standard for smart chip cards.
Whether the POS terminal is nearing extinction is an excellent question that many companies in the industry are asking themselves. Retailers are especially interested in knowing the answer to this simple, yet strategic question, as they have a vested interest in the use of POS terminals. The purpose of this article is to explore this question further and look how recent changes at the face to face interaction between the consumer i.
Today, it is hard to imagine buying a coffee that involves a zip-zap machine, where the consumer and the retailer fill in a paper receipt to record the transaction.
Consumers are more likely to wave a contactless payment card or smartphone across the POS terminal to complete their payment. There are two initiatives that retailers are expected to see as their POS terminals increase in function beyond just accepting payments. Firstly, access to an app store and secondly, to turn the POS screen into a billboard for advertising.
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Although marketing content being displayed on the POS screen is more common in North American retailers, we are expecting to see more of this in Europe. There are two additional factors where the POS terminal is changing its form factor that will remove the need for a numeric keyboard used for PIN entry.
Therefore, to properly answer the question whether the POS terminal is nearing extinction we should review the role of apps and marketing content at the POS, contactless payments and PIN-on-glass. App marketplaces Seeing non-payment services, such as mobile top-up or bill payment, as part of the POS terminal is common. This is an interesting phenomenon because it implies that the merchant acquirers are not serving their clients very well if the retailers must fulfil their need for data analytics elsewhere.
One representative of an app marketplace enthusiastically told me that a taxi app would allow a restaurateur to book a taxi for their guests at the table while they settle their bill.
Although a lot of restaurant guests would prefer the control and transparency of using the Uber app on their smartphone. So why would there be any motive to use a taxi app on the POS terminal?
- Сквозь просветы она увидела Ярлана Зея, глядевшего через входной проем на построенный им парк и вдаль - на город, который он наблюдал столько веков.
- Пока они шли вдоль туннеля, через который в Диаспар врывался холодный ветер, Джезерак не ощущал страха.
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On the other hand, inventory management apps, such as Stitch Labs, seems like a much more promising proposition. Stitch Labs gives the retailer greater visibility, control, and insight of their inventory. This and a host of loyalty and customer relationship marketing apps are generating some relevance amongst small businesses. However, will all this smart software really work on a POS terminal?
The challenge has historically been the lack of real-time transaction data.
Now as more and more POS terminals are being connected to the internet via fast broadband the hardware can share transaction data or at least data that the payment card industry does not consider to be too sensitive with business management apps. These apps operating in real-time will allow the shop owner to monitor transactions at a single POS terminal or several POS terminals in a single store or across several stores.
- Подобно тому, как человеческий мозг может в течение некоторого времени задержаться на одной-единственной мысли, так и бесконечно более сложные мыслительные устройства, являющиеся всего лишь частью Центрального Компьютера, тоже могли зафиксировать и удерживать -- вечно -- самые хитроумные идеи.
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So, a POS terminal with access to an app marketplace does make sense. With the ability to reach a point of interaction with greater precision, POS content management will enable retailers to deliver targeted offers and communications to customers at the POS terminal alongside their paper or digital receipts.
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Pushing marketing content to the POS device is easier said than done. Furthermore, advertising content is typically made up of larger files rich digital images and movies which require more connection time to download to the POS device. Advertising or even targeted offers at the POS has yet to be seen to be a regular occurrence outside North America.
Marketing content at the POS does need some thorough consideration, especially if it was perceived to be an invasive or disruptive to the normal customer experience.
Turning the POS into a billboard for advertising places a greater emphasis on the POS providing pos terminal europe retailer with potentially an enhanced return on investment.
Retailers love a positive return on investment, therefore, it is conceivable it will prolong the life of POS terminal and provide both retailers and consumers with real-time tangible benefits at the point of interaction.
Contactless payments Here in the UK contactless has finally become mainstream. It has taken 7 or 8 years for consumers and merchants to become comfortable with the tap and pay concept which does not require a PED. Contactless reduces the number of moving parts in the hardware device to zero, thus making POS terminals last longer, and the use of the PED becomes irrelevant.
Contactless is also encouraging consumers to carry less cash, which has impacted charities which rely on the public donating their spare cash. With the decline of cash, contactless charity boxes are expected to be widely introduced after a recent trial by Barclays.
PIN-on-glass One repercussion that app marketplaces are likely to have for the POS terminal has been the fact that the tablet pos terminal europe an ideal form factor for a POS terminal. It gives pos terminal europe the merchant and the consumer a nice large screen to research, view and select products in the store.
We expect to see much more of this in the future. Contactless payments combined with PIN-on-glass where the purchase amount is larger than the contactless threshold will mean that the archaic numeric keyboard becomes a waste of space and cost. Soon there may not be a checkout in the traditional sense of the term.
The point of interaction with the consumer is changing and PIN-on-glass will be one of those changes that will encourage retailers to re-think the point of interaction with the consumer and the role of the traditional POS terminal will further be eroded.
Just like the contactless POS terminal, it works by reading card data without having to insert the card in the reader. In this case, the PED is there when the amount is over the contactless threshold. In the UK, Barclays are piloting a similar notion on of their ATMs and since January customers can use the Barclays mobile banking app to pre-enter their PIN and the amount of cash they would like to withdraw.
Conclusion There have been some extraordinary changes in consumer behaviour, such as the rapid adoption pos terminal europe contactless and the use of easy touchscreen technology.
Changes in the face to face transaction have also seen technological advances in security and consumer authentication. Since the early days of the zip-zap machine, the amount of change in the POS terminal has been concentrated in the last 15 years of the 60 years since the first magnetic stripe reader was invented.
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The app marketplace, advertising content and targeted offers at the POS are pos terminal europe of tactical, yet small incremental enhancements in POS functionality which will prolong the existence of the POS terminal. As with the paperless office or the cashless society, the retailer without a POS terminal is not likely to happen in the next 20 or 30 years.
- Все, что он знал и любил, осталось в Диаспаре; возможно, он никогда больше не увидит свой мир, даже если впереди никакие опасности не грозят.
- Может быть, именно в этот миг он мчался под той самой ломаной линией холмов, которую так часто видел с Башни Лоранна.
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Conversely, PIN-on-glass and contactless devices without a PED are more likely to be mainstream within the next 5 years but retailers will still want the choice to accept cards with and without the PED. Just as we have seen the magnetic stripe reader is still an integral part of the POS terminal its days are numbered because in the next few years the mag-stripe card will fade away entirely as the chip on the card and contactless technology becomes the only standard.
The next 10 pos terminal europe will see further advancements in the function of the POS terminal, it will not be comparable with anything we eddie începe să câștige bani smotrit today but the software will take the lead not the hardware.