Biometric, for the visually impaired, eco-friendly… The bank card is reinventing itself to resist the smartphone

Innovation does not mean adoption. Six years ago, Apple presented its iPhone 6 with NFC contactless technology, paving the way for payment by smartphone. We then asked ourselves: “Will the smartphone kill the bank card?” ”All the more so as the players in the sector were betting on a rapid change in our habits: “En 2020, between 20% and 30% of transactions will be done in this way, predicted the director of Visa Europe France.

Reality does not coincide with this vision. In 2019, only 12% of French people paid with their mobile phone, in “contactless” mode, according to a study by the Ifop institute [PDF]. This figure would have fallen to 6% in 2020, according to a YouGov poll. Conversely, the bank card has imposed itself, with the pandemic, as a means of payment for daily expenses for 83% of French people (only 10% prefer cash). And it is the bank card that has especially popularized the NFC contactless technology – 60% of payments of less than 50 euros were made in 2020, according to the Bank Cards group.

The card still has a bright future ahead of it, especially since it remains the means of payment in which the French have the most confidence., smiles Frédéric Martinez, marketing manager for innovative payment card resources at Thales Digital Identity and Security (DIS).

This subsidiary of the French defense giant was born from the takeover of digital security specialist Gemalto, another inco

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