By César Lovisaro, Vice President of Datablink
Purchases via m-commerce (transactions via cell phones and tablets) have grown significantly as mobile devices become more popular. The numbers represent a revolution and speak for themselves. The expansion of internet access and increasing access to cell phones, which in recent years has grown exponentially, brings a new panorama to electronic commerce, transforming m-commerce into one of the good alternatives for the Brazilian economy.
M-commerce is a new way of buying and currently grows more than traditional e-commerce (via the Internet), and it already represents an extremely considerable percentage of transactions via online stores and bank transactions. According to a study by Coupofy, m-commerce grows 300% faster than e-commerce, which indicates that Brazilians are discovering the modality. Still according to the study, in 2016, purchases by mobile devices tend to grow 42%, with traditional e-commerce possibly showing growth of 13%.
The forecast for the expansion of the mobile is incredible. Recent studies also show that mobile users are four times more involved than users of the traditional web and their expectations are also high regarding the user experience. 67% of these start engaged on their mobile devices and remain afterwards.
Purchases made via mobile will reach US$ 200 billion in 2017, a figure almost three times higher than the value recorded in 2013 (US$ 70 billion worldwide). Another expectation of the market is the increase in the number of application downloads, which will increase substantially, with an increase of 185% in the same period.
Although the outlook is very positive, which shows that Brazilian society is changing its consumption habits, mainly due to the practicality and agility provided by smartphones and tablets, it is extremely important to pay attention to the safety factor.
Internet shopping, bank transactions, sending confidential messages and several other possibilities provided by mobile deserve and demand a unique level of attention, since currently the risks of being attacked by hackers are enormous.
To have a dimension of how important security is, only in 2015 banks recorded losses of R$ 1.8 billion in electronic fraud. Another relevant data concerns fraud. According to research by ACI WorldWide, last year, attempts at retail fraud increased by 30%.
One of the existing alternatives that has been shown to be effective with regard to security is the adoption of technologies that offer advanced methods of authentication, signature of transactions and OTP functions, as well as solutions that use QR Code and Push technologies.
Modern tokens, capable of communicating with the back-end of financial institutions, and which allow the perception of man-in-the-middle attacks, for example, are even more effective and guarantee more secure and reliable transactions.
The security of transactions via mobile cannot be underestimated. It needs to walk in a parallel, consistent and structured way with technology, evolving as new protection tools are developed. Only then will the entire mobile revolution, one of the pillars of the "new form" of e-commerce and, consequently, of the new economy, be truly prepared for the future.
M-commerce is a new way of buying and currently grows more than traditional e-commerce (via the Internet), and it already represents an extremely considerable percentage of transactions via online stores and bank transactions. According to a study by Coupofy, m-commerce grows 300% faster than e-commerce, which indicates that Brazilians are discovering the modality. Still according to the study, in 2016, purchases by mobile devices tend to grow 42%, with traditional e-commerce possibly showing growth of 13%.
The forecast for the expansion of the mobile is incredible. Recent studies also show that mobile users are four times more involved than users of the traditional web and their expectations are also high regarding the user experience. 67% of these start engaged on their mobile devices and remain afterwards.
Purchases made via mobile will reach US$ 200 billion in 2017, a figure almost three times higher than the value recorded in 2013 (US$ 70 billion worldwide). Another expectation of the market is the increase in the number of application downloads, which will increase substantially, with an increase of 185% in the same period.
Although the outlook is very positive, which shows that Brazilian society is changing its consumption habits, mainly due to the practicality and agility provided by smartphones and tablets, it is extremely important to pay attention to the safety factor.
Internet shopping, bank transactions, sending confidential messages and several other possibilities provided by mobile deserve and demand a unique level of attention, since currently the risks of being attacked by hackers are enormous.
To have a dimension of how important security is, only in 2015 banks recorded losses of R$ 1.8 billion in electronic fraud. Another relevant data concerns fraud. According to research by ACI WorldWide, last year, attempts at retail fraud increased by 30%.
One of the existing alternatives that has been shown to be effective with regard to security is the adoption of technologies that offer advanced methods of authentication, signature of transactions and OTP functions, as well as solutions that use QR Code and Push technologies.
Modern tokens, capable of communicating with the back-end of financial institutions, and which allow the perception of man-in-the-middle attacks, for example, are even more effective and guarantee more secure and reliable transactions.
The security of transactions via mobile cannot be underestimated. It needs to walk in a parallel, consistent and structured way with technology, evolving as new protection tools are developed. Only then will the entire mobile revolution, one of the pillars of the "new form" of e-commerce and, consequently, of the new economy, be truly prepared for the future.
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