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گروه حسابداری و حسابرسی حساب پردازان برتر - حذف USSD تهدیدی به وسعت یک فرصت
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حذف USSD تهدیدی به وسعت یک فرصت

آخرین ماه‌های حیات پرداخت موبایلی از طریق USSD در حال گذر است. درست است که این روش پرداخت یک روش غیرامن است؛ اما به نوعی آخرین نوآوری صنعت پرداخت کشور است؛ صنعتی که در قحطی نوآوری فرو رفته است.


پرداخت الکترونیکی در سال‌های اخیر هرچه از منظر کمی رشد داشته اما از منظر کیفی درجا زده و هیچ نوآوری فراگیر و قابل توجهی را معرفی نکرده است. حتی آمدن شاپرک نه تنها تغییری در این رکود ایجاد نکرد، بلکه با ورود به جزئیات و تاکید بر یکسان‌سازی خدمات بر عمق این رکود افزود. تا جایی که عرصه رقابت و سرمایه‌گذاری بین شرکت‌های پرداخت به جای معرفی محصولات و راهکارهای نوآورانه به اسپانسر شدن در برنامه‌های میلیاردی صدا و سیما کشیده شده است.

حال انتظار می‌رود صنعت پرداخت در آستانه از دست دادن آخرین نوآوری خود، بیشتر از قبل در قحطی نوآوری غرق شود. درست است خدمات پرداخت از طریق USSD تقریبا در هیچ کشور توسعه‌یافته‌ای کاربرد ندارد؛ اما باید به این نکته توجه داشت که این سرویس تقریبا تنها سرویس پرداخت مبتنی بر موبایل در کشور بوده است. حال با تعطیل شدن این سرویس خلأ قابل توجهی در کاربرد تلفن همراه در حوزه پرداخت ایجاد می‌شود.


با ما تماس بگیرید

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اما این موضوع می‌تواند از تهدید به یک فرصت قابل توجه برای فعالان صنعت پرداخت تبدیل شود تا با اندکی نوآوری و توجه به نمونه‌های پرطرفدار بین‌المللی عرصه را برای ورود قدرتمند، فراگیر و این بار استاندارد موبایل در صنعت پرداخت فراهم آورد.

انتظار می‌رود شرکت‌های پرداخت گوشه‌ای از سرمایه‌های میلیاردی هزینه شده در حوزه تبلیغات استفاده از USSD را این بار صرف توسعه نوآورانه پرداخت الکترونیکی خصوصا پرداخت‌های موبایلی در کشور کنند و در این میان از شرکت شاپرک و بانک مرکزی انتظار می‌رود تا با تصمیمات دست و پاگیر مانع این فرصت مهم نشوند و همان نقش نظارتی خود را ایفا کنند.

امید است این بار تفکرات به جای یافتن راهکاری برای دور زدن قانون و تداوم استفاده از این کانال تاریخ مصرف گذشته، صرف توسعه نوآوری‌های تازه‌ای شود که علاوه بر توسعه کمی و کیفی صنعت پرداخت بتوان به آنها افتخار کرد! بدیهی است با توجه به نفوذ قابل توجه تلفن همراه در زندگی روزمره، هرگونه سرمایه‌گذاری معقول در این بخش سودآوری تضمین‌شده‌ای را به همراه دارد.



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