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Mobile Payment will become common in Germany

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Paying mobile is a routine in many countries. A great example is China. Alibaba® offers one of the most popular mobile payment services (and a lot more) in China. called Alipay®.

Here’s great promotion video on Youtube®.

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Another widely accepted service is WeChat. And, again, a video from China.

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In my home country, The Netherlands, cashless payment is absolutely common. I visited The Hague in September 2018 and I was excited about how digital my fellow Dutch are.

I paid everything with my debit card. Even a cup of coffee or a single snack. In every shop, there’s a sign in front of the card terminal saying “Pinnen? Ja graag!” (Pinnen is a new created verb based on the PIN code one gets with a EC Card. The European debit card which comes, when opening a bank account) ort “Contactloos betalen” (Pay without contact (to a terminal)).

Holland is famous for its snackbars (called frituur Phonetic: [ f r i . *t y r ]. You can buy french fries with about 20 different sauces and toppings and countless snacks to go with it. And every single snack bar accepts cashless payment.

Copyright © by: Gerard van S

In Germany, still many shops are not accepting cashless payments, a fact which annoys foreign visitors. Even if buying for a greater amount.

Another strange thing is the fact, that many cashiers and sales assistants are insisting to take your card. Just to slide the card in the terminal and to turn it your way, and finally you can enter your PIN.

In Holland the terminals are fixed on the counter at the customer’s side and you can do the whole payment process by yourself.

The option to sign a receipt, when paying with card, never existed in Holland. Here in Germany still a lot of shops demand a signature, which is more insecure for me than paying with my smart phone.

I have had countless discussions at German supermarkets about the fact,  that I’m very able and intelligent enough, to push my card into a slot. In Holland, sales staff is not allowed to take my card, which is IMHO a good attitude. 

Mobile payment was adopted swiftly by the Dutch population in 2016. Read the article from 2016(!) here.

The attitude of many merchants and staff may (or better must) change since Apple Pay® has been  launched in Germany on December 11, 2018.

Due to the popularity of Apple’s® devices, it’s forseeable that the use of mobile payment will increase rapidly.

But Germans are wired differently. Germans are very serious and carefully. New things are regarded with doubt.

Other countries have just started with digitslization and after some time, they have analyzed how good or bad things have been. They made mistakes but learned by them.

In the video below, Klemens Skibicki explains why the internet (and therefore also digitalization and mobile payment, because they need fast internet) is running so slow.

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Maybe, mobile payment will make Germany more up to date, when it comes to digitalization. It would be an advantage to keep in contact with the world market, because business communication on the market is changing rapidly.