1.806

Medios de pago en e-commerce

Libro blanco medios de pago, transformación digitalSi bien es verdad que el comercio electrónico es una “disciplina” empresarial de la que se podría decir que aún está en pañales, también lo es que, comparándola con otras formas de negocio más tradicionales, tiene una particularidad y es que los cambios se producen de forma muy rápida. Lo que era válido hace apenas dos años en cuanto a diseño, usabilidad, SEO, SEM… hoy se ha quedado obsoleto.

Una de las claves principales para que continúe el crecimiento a doble dígito, es que cada vez más clientes se sientan cómodos comprando on-line, y esa comodidad se consigue a través de la generación de confianza. Y, en temas relativos a negocio, existe algo que más preocupe a los clientes que “¿a quién le doy mis datos bancarios o de mi tarjeta de crédito/débito?”

La gestión del dinero es sin duda, lo que más desconfianza puede generar en los consumidores. De ahí la importancia que tiene para el desarrollo del comercio on-line, que los medios de pago sean fiables, y que el fraude se reduzca a la mínima expresión. Evitar las conductas delictivas al 100% es imposible, pero reducirlas a lo mínimo, es posible, y es la vía en la que todos los actores implicados en los negocios de e-commerce, tienen que trabajar.

Otro aspecto a destacar, además de la confianza, es la variedad de opciones a la hora de tramitar el pago. Uno de los grandes retos que tiene el comercio electrónico, es la alta tasa de abandono de carritos. Se estima que esta tasa oscila entre el 65% y el 70%. Es decir, dos terceras partes de los consumidores que añaden productos a los carritos de la compra de una tienda on-line, finalmente no finalizan el proceso de compra. Varios son los factores que explican dicho abandono: gastos que no se habían comunicado antes como por ejemplo los gastos de envío, excesivamente largo proceso de check-out y que no hay suficientes opciones de pago… En el siguiente artículo publicado en el blog de Qasolutions, podéis encontrar una infografía muy completa relacionada con este tema.

E-commerceOtro factor a tener en cuenta, aunque quizás este sea más una situación a la que se enfrentan las grandes empresas que quieren vender a nivel mundial, es la particularidad cultural que tiene cada país. La adaptación a nivel medios de pago (y en realidad a otros niveles también), se convierte en determinante para mejorar los ratios de conversión. En un mundo ideal, esta segmentación debería convertirse en hipersegmentación, y adaptarse a cada cliente de forma individual. Pero claro, eso es una inversión muy costosa que no siempre las empresas están dispuestas a asumir.

Para profundizar más en el tema de los medios de pago, os recomiendo un libro que aglutina toda la información relacionada con los mismos: “Libro blanco de la innovación en medios de pago para e-commerce” editado por el Observatorio de eCommerce de Foro de Economía Digital.

Estructurado en 6 capítulos, hace un amplio repaso de cuáles son los medios de pago que actualmente se utilizan en las transacciones de e-commerce, destacando principalmente dos conceptos que para mí son fundamentales, como ya he destacado en la primera parte de este artículo, y que pueden marcar la diferencia entre el éxito o el fracaso de una tienda on-line: la seguridad en las transacciones y como se convierte en confianza por un lado, y la necesidad de tener un elenco de opciones variados para facilitar el termino de las transacciones.

El libro también hace enfásis, dedicándole uno de los capítulos, a la importancia del “mobile commerce”, ya que para 85 de cada 100 usuarios (IAB Spain) el dispositivo móvil (ya sea smartphone o tableta) es la principal vía de acceso a contenidos en la red.

De nuevo cito a Charles Darwin: no son las especies más fuertes las que sobreviven, si no las que mejor se adaptan al entorno. Para el e-commerce, esta reflexión es perfectamente válida, por lo que adaptar los medios de pago a las necesidades de los clientes es fundamental para sobrevivir en este entorno creciente y a la vez muy competitivo.

Un saludo,

Javier

Javier Ordozgoiti

1.806 Comments

  1. Es posible que si ya percibimos como “peligroso” realizar transacciones por internet desde un PC, portátil, o tablet donde generalmente tenemos algún tipo de software anti virus o anti pishing en este caso, podemos encontrar aún más inseguro hacerlo por el móvil, donde en mi opinión las medidas de seguridad son inferiores en la gran mayoría de los casos?

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