{"id":502962,"date":"2022-06-15T12:36:33","date_gmt":"2022-06-15T10:36:33","guid":{"rendered":"https:\/\/www.capgemini.com\/?p=731475"},"modified":"2025-03-26T09:27:10","modified_gmt":"2025-03-26T09:27:10","slug":"bigtech-into-payments","status":"publish","type":"post","link":"https:\/\/www.capgemini.com\/pt-en\/insights\/expert-perspectives\/bigtech-into-payments\/","title":{"rendered":"Bigtech into payments"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-blogs header-hero-blogs\"><div class=\"container\"><div class=\"hero-blogs\"><div class=\"hero-blogs-content-wrapper\"><div class=\"row\"><div class=\"col-12\"><div class=\"header-title\"><h1>BigTech into payments<\/h1><\/div><\/div><\/div><\/div><div class=\"hero-blogs-bottom\"><div class=\"header-author\"><div class=\"author-img\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/pt-en\/wp-content\/uploads\/sites\/42\/2021\/05\/Joost-van-Putten-489-1-1.jpg?w=960?w=200&amp;quality=10\" alt=\"\" loading=\"lazy\"\/><\/div><div class=\"author-name-date\"><h5 class=\"author-name\">Joost van Putten<\/h5><h5 class=\"blog-date\">30 May 2022<\/h5><\/div><\/div><div class=\"brand-image\"><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2020\/assets\/images\/capgemini-invent-white.svg\" alt=\"capgemini-invent\"\/><\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-intro-para undefined section section--intro\"><div class=\"intro-para\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-1\"><nav class=\"article-social\"><ul class=\"social-nav\"><li class=\"ip-order-fb\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.capgemini.com\/pt-en\/insights\/expert-perspectives\/bigtech-into-payments\/\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-fb\"><\/i><span class=\"sr-only\">Facebook<\/span><\/a><\/li><li class=\"ip-order-tw\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https:\/\/www.capgemini.com\/pt-en\/insights\/expert-perspectives\/bigtech-into-payments\/&amp;text=Bigtech into payments\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-tw\"><\/i><span class=\"sr-only\">Twitter<\/span><\/a><\/li><li class=\"ip-order-li\"><a href=\"https:\/\/www.linkedin.com\/sharing\/share-offsite\/?url=https:\/\/www.capgemini.com\/pt-en\/insights\/expert-perspectives\/bigtech-into-payments\/&amp;text=Bigtech into payments\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div class=\"col-12 col-md-11 col-lg-10\"><h2 class=\"intro-para-title\">BigTechs have been disrupting the payment industry for some time now.<\/h2><p class=\"intro-para-content\">What are their major moves in the payments space and what is their strategy behind it, according to <a href=\"https:\/\/www.capgemini.com\/insights\/expert-perspectives\/psd2-a-growing-market\/\">our <\/a><a href=\"https:\/\/www.capgemini.com\/insights\/expert-perspectives\/psd2-a-growing-market\/\" target=\"_blank\" rel=\"noreferrer noopener\">research <\/a>from the PSD2 (Open Banking) Market Observatory? And how should banks react?<\/p><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-11 col-lg-10 offset-md-1 offset-lg-1\"><div class=\"article-text article-quote-text\">\n<h4 class=\"wp-block-heading\">eWallets\u2019 market introduction<\/h4>\n\n\n\n<p>Forgot to bring your wallet to the supermarket? Since the introduction of the eWallets as payment method, this does not have to be a problem anymore. All BigTechs (Google, Apple, Amazon, Facebook, Tencent and Alibaba &#8211; also known as GAAFTA) have been developing payment services over the last few years, enabling payments with smartphones or smartwatches via eWallets.<\/p>\n\n\n\n<p>All of them did this by acquisitions and setting up partnerships. Acquisitions were mainly aimed at getting the required payment technology capabilities in-house, while partnerships paved the way for quickly increasing market reach. Partnering with banks is still needed to connect the customer\u2019s eWallet to a credit or debit card. Facebook was less successful in partnering with banks, and instead they invested in their own blockchain crypto technology to operate on Facebook\u2019s Messenger platform.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Benefits for BigTechs<\/h4>\n\n\n\n<p>But what are the BigTechs\u2019 strategies behind these moves? Looking at their business model, creating digital platforms, providing payment solutions is a logical next step in keeping the customer with them in another phase of the customer journey. With that, gains can be made at the expense of traditional banks:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>By taking a cut of consumer fees that banks charge as users embrace BigTech functionalities<\/li>\n\n\n\n<li>By shifting merchant fees away from banks<\/li>\n\n\n\n<li>By attracting consumer deposits (as we have seen happening in Chna)<\/li>\n<\/ul>\n\n\n\n<p>Next to that, BigTechs enhance their existing business models with payment services by:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Improving accuracy of personalised advertising by using payment data (e.g. Google), which can increase advertisement sales. As the head of Alipay Europe said \u201cwe are not a payment ecosystem, but a marketing ecosystem\u201d<\/li>\n\n\n\n<li>Develop new functionalities, such as semantic search, by using payment data. With this a user can for instance get an overview of money spent on pizzas or groceries, which could attract more customers<\/li>\n\n\n\n<li>Offering a seamless payment method can increase hardware sales and brand awareness (e.g. Apple)<\/li>\n<\/ul>\n\n\n\n<p>The current BigTech payment method still relies on bank\u2019s credit and debit cards solutions, which made customer adoption easy. But eWallets have potential to evolve. The next step could be to develop account-to-account transfer-based solutions, e.g. enabled by PSD2 PIS and Instant Payments. As an even more bold step, BigTechs could develop proprietary e-money, cryptocurrency and\/or payment account solutions. This would give them full control: no involvement of banks would be needed at all.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-it-s-not-too-late-for-banks-yet\">It\u2019s not too late for banks yet<\/h4>\n\n\n\n<p>Is payments therefore another service where incumbent banks are losing their customers to new players in the market? BigTechs have a huge customer base ranging into the billions, so the potential threat is huge. Adoption rates of eWallets are by far largest in Chinese BigTech platforms (WeChat Pay of Tencent: 81%, Alipay: 69%) while US BigTechs have only 1 to 9% of payment service users. The US market is maturing, while in Europe there is still room to grow.<\/p>\n\n\n\n<p>This means that there is still time for European banks to react. But how? It\u2019s needed for banks to take an offensive stance going forward. They can build further on their reputation as a trusted and secure partner for their clients. Banks should leverage their customer knowledge and (enriched) data to develop financial information solutions addressing customer pain points. It\u2019s also necessary for them to drive the scale and efficiency required to compete with Fintechs and BigTechs on a European or global scale.<\/p>\n\n\n\n<p>At the same time, the regulatory developments within the industry need to be watched. Banks need to keep a close eye on the area of data reciprocity\u2013 regulation might one day level the playing field where currently banks are required to open up under PSD2, whilst other industries do not (yet) face similar obligations. At the same time competition law may further challenge the size and dominant positions of BigTech. Protectionism of vital payment infrastructures might slow foreign entrants.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-wrapper-people-slider section section--expert-slider wrapper-people-slider undefined\"><div class=\"container\"><div class=\"content-title\"><h2 data-maxlength=\"34\" class=\"people-heading-title\">Meet our Experts<\/h2><\/div><\/div><div class=\"slider slider-boxed\"><div class=\"container\"><div class=\"slider-window\"><div class=\"slider-list\">\t\t<div class=\"slide\">\n\t\t\t<div class=\"box\">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t<div class=\"col-md-6 col-lg-4 box-img-wrapper\">\n\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/pt-en\/wp-content\/uploads\/sites\/42\/2022\/06\/AlexanderEerdmans-1-e1655992894911.jpg\" alt=\"Alexander Eerdmans\"\/>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col-md-6 col-lg-8 box-inner\">\n\t\t\t\t\t\t<div class=\"row title-social-media-header\">\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 mbl-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Opens in a new window\" href=\"https:\/\/www.linkedin.com\/in\/alexander-eerdmans-81764725\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 box-container\">\n\t\t\t\t\t\t\t\t<div class=\"box-title\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"people-profile-title\">Alexander Eerdmans<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>Vice President &amp; Head of Financial Services at Capgemini Invent Netherlands<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 social-box-container dkt-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Opens in a new window\" href=\"https:\/\/www.linkedin.com\/in\/alexander-eerdmans-81764725\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"people-info\">Alexander Eerdmans is Vice President and Head of Financial Services (FS) at Capgemini Invent Netherlands. With a background in Finance, he has a wide experience in leading projects on Open Banking, FinTechs, and Financial Services. Alexander is always working on \u201cWhat\u2019s Next\u201d in FS and encourages global collaboration, which enables unlimited possibilities.<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\n\n\t\t<div class=\"slide\">\n\t\t\t<div class=\"box\">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t<div class=\"col-md-6 col-lg-4 box-img-wrapper\">\n\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/pt-en\/wp-content\/uploads\/sites\/42\/2021\/05\/Joost-van-Putten-489-1-1.jpg\" alt=\"Joost van Putten\"\/>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col-md-6 col-lg-8 box-inner\">\n\t\t\t\t\t\t<div class=\"row title-social-media-header\">\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 mbl-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Opens in a new window\" href=\"https:\/\/www.linkedin.com\/in\/joost-van-putten-18a59b7\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 box-container\">\n\t\t\t\t\t\t\t\t<div class=\"box-title\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"people-profile-title\">Joost van Putten<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>Senior Managing Consultant at Capgemini Invent<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 social-box-container dkt-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Opens in a new window\" href=\"https:\/\/www.linkedin.com\/in\/joost-van-putten-18a59b7\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"people-info\">Joost van Putten is a senior manager at Capgemini Invent Netherlands Financial Services. He has a background in innovation &#038; strategy and has completed extensive work in the area of Open Banking and Payments. He has supported pan-European banks implement the Payment Services Directive 2 (PSD2) and has led multiple research studies into related market developments.<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\n\n\t\t<div class=\"slide\">\n\t\t\t<div class=\"box\">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t<div class=\"col-md-6 col-lg-4 box-img-wrapper\">\n\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/pt-en\/wp-content\/uploads\/sites\/42\/2022\/06\/Titia-e1655989262809.jpg\" alt=\"Titia Meijburg\"\/>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col-md-6 col-lg-8 box-inner\">\n\t\t\t\t\t\t<div class=\"row title-social-media-header\">\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 mbl-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Opens in a new window\" href=\"https:\/\/www.linkedin.com\/in\/titia-meijburg-764999113\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 box-container\">\n\t\t\t\t\t\t\t\t<div class=\"box-title\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"people-profile-title\">Titia Meijburg<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>Senior Consultant at Capgemini Invent Netherlands<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 social-box-container dkt-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Opens in a new window\" href=\"https:\/\/www.linkedin.com\/in\/titia-meijburg-764999113\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"people-info\">Titia Meijburg is a senior consultant at Capgemini Invent Netherlands in the Data, Finance, Risk &#038; Compliance team. She has a background in banking and innovation. Titia has experience in projects on Open Banking strategy, Sustainable Finance Regulations and Risk reporting.<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div><\/div><\/div><div class=\"slider-nav\"><button class=\"slider-prev inactive\" aria-label=\"Slider-previous\" tabindex=\"-1\"><\/button><ul class=\"slider-paginator\"><\/ul><button class=\"slider-next\" aria-label=\"Slider-next\"><\/button><\/div><\/div><\/section>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>What are their major moves in the payments space and what is their strategy behind it, according to our research from the PSD2 (Open Banking) Market Observatory? And how should banks react?<\/p>\n","protected":false},"author":182,"featured_media":502963,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"1be65579-1170-44bb-b995-791ba9018b8f\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":false,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"_yoast_wpseo_primary_brand":"57","_jetpack_memberships_contains_paid_content":false,"footnotes":"","featured_focal_points":""},"categories":[1],"tags":[],"brand":[57],"service":[],"industry":[161],"partners":[],"blog-topic":[219],"content-group":[],"class_list":["post-502962","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","brand-capgemini-invent","industry-banking-capital-markets","blog-topic-innovation"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v22.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bigtech into payments - Capgemini Portugal<\/title>\n<meta name=\"description\" content=\"What are their major moves in the payments space and what is their strategy behind it, according to our research from the PSD2 (Open Banking) Market Observatory? 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