so hello to all so actually
my name is arthur puiu
the utc of 2014 so there is not so
for a long time I was often there
saturday morning is so today I
will talk to you mainly about
payment because I spent the
past years I spent the
last few years actually doing not bad
payment is no longer a little bit more
widely that the payment of how one
can buy in the blink of an eye
since this is the theme of this day
so to put you back just a little
little context only for those who
do not know the whole story without
no longer spend three hours no when
I do like that so I put you a
little picture here with so thomas who
is on the left and mathieu on the other
side
so the other two utc one with whom we
mounted the peyote project so paid
it was in 2012 and like that looks
to be very well stay in the minds
given the introduction px we clan it
home students of the utc
this was the first the first place
where we used it and it was reserved in
did in the beginning there was already a system
payment by adult card and it is at
level of the home and we said we
wanted to improve this system that
wanted to extend this system we started
for by so install this shot
new version of our software at
home and then it was extended
from other associations so we
had still designed the system with
that in mind
the goal was that other associations
their school can use the same
account system whether to pay
online for ticketing
to order posters or for
physically pay so with the card
as we already did in the home
so was a fixed place but also
with and that’s what’s in photo of
small mobile terminals that we called
spawn countries and suddenly it’s
finished we bought them so
it was really cool because
it was actually sold
classic smartphone so that was very
easy to set up at tc and
blow that allowed us to cash a
little everywhere for a little anything
and suddenly it always turns
today is a feature I
I’m going to the city that had there
had pleased the students to
the time I have the city right away and
then we’ll talk about it to another
scale and that you all know about
is of course the transfer to a friend so
which allows students to
transfer money between them
to transfer money between them
to settle a little everything and no matter
what is it like in 2012
so we will accelerate until 2015
so that was 2015 we ended up
with the other two same person and
then a few few
more people who who have us in
actually recovered to propel us into
the adventure of the event and we
found at the old plows so to the
old plow the biggest festival
de France are taxed 90 miles
bracelet with exactly the same techno
than what we had thought to pay
and we had people who were going to pay
at the bar so not that at the bars were
food bars merchandising etc.
but with the same principle to me remains
the precharge cons and where are we going
to spend just by presenting the bracelet
is actually that it worked very well
it worked very well on and old
plows on plenty of other festivals on
did 200 festivals this year
and not only festivals and it pleases
a lot to the organizers of course
because suddenly it removes the
circulation of species in the festival
but not that it actually appeals to
public ie the public has
priori we will say ah yes but hey
record all our movements
the bar we pay more with the species
while it was millions it’s more
consistent overall returns
that we have public it is studies that
are pretty scientist who are made
by specialized firms
it’s that the public likes it that way
does that then why this after the public
that’s a bit of the question to which I
am I going to try to answer and that has
a relationship with the theme of the day since
actually today so I have not
handed Rome a wink but we live
in a world that is always more
fast a world at a glance
actually in 2010 is globally
people the public they have more desire
to wait they have internet with
internet we have all their training to
handy so here I could I
could you talk a lot about
things very technical but I’m going I
am going to make it simple enough I ‘m going to take
an example that is really the example of
based
I’m gonna recheck the data
last night finishing the presentation
of course and so suddenly when you
send a letter to new zealand
a few years ago we had the post
who was out of play not if there was
direct planes that went into new
zealand
I think it’s still rare
today but overall we will say
it takes a few days to send
a letter there and a few days and
that it come back when we did not have the
actually had there then we were talking
rather about me because we were doing
boat have crossed the planet
the new year is really the opposite
the most complete I think we can not
find much further today
so gg check the website of a
operator in new zealand an
telephony operator it takes 300
milliseconds to go there so
endless 300 milliseconds to make a
round trip
it’s the ping for those who know
300 milliseconds of ping that’s a lot
but it’s still nothing for
go to the new zealand and that
equals two winks for
the go 1 for the return
that was the part a bit to
put a figure today we have some
instant messaging applications
so who’s snapshot the name is
to say that people are getting everything from
following the messages but actually beyond
of that we see that you saw it so
it started
it starts and then in fact today
they do it all but the api’s
instant messenger they will you
say today the message has been received
so arthur with your mother arthur has
received the message and after worse
arthur read the message
so that’s horrible because
we do not dare to open the messages anymore
and actually when we opened it we know
that the person is we had read the
that we have seen the message is actually
suddenly we feel obliged to answer everything
right now that’s often what makes it one that
do that it’s just that we get
said good ben voila if I answer no
way it’s a little
it’s a little shame or where I’m going
harassing suddenly I answer all
immediately like that it’s done and suddenly
the other is either stack or not
blow in fact we end up exchanging
permanently for everything and anything
what and in fact with both
technologies that allow you to go more
fast that allow to communicate
much faster but who in
more then after there are reasons and to
business reasons especially what they
call the screen time ie
that the big big companies
on the internet have interest in what you
spend as much time as you can
their service of course and so suddenly
so that you are always in
the app will make sure that
foster this instant exchange that
really changes the way we have
to interact with people me the example
that I always take before that is when
we went to someone’s home in paris
we thought about asking him before going
the code from his home there today we
would always make a message when we are
below
never never before so that
that’s all that is
communication so it’s pretty virtual
physically then there we are in full
in the Christmas period
so it’s pretty relevant in addition to
discussing it physically is the same
that is to say that the great merchants of
ten businesses
they are a bit in a race and have some
tons of start up that is growing there
in
so I say trade it’s going to be on
christmas gift product purchases
but it’s the same with shipments of
food
the goal today is not only
to be able to deliver something and
even less anywhere because of
blow there are new services that
appear that are really focused
on some cities that are
available only in some cities
these cases for all that is
transport but also on some
delivery services and where we have a
delivery of the blow we had the delivery
the next day we had the delivery on
evening and the recently amazon of the blow has
pulled out a service where he delivers in one
hour then it is frankly it is
does not become very quickly increases what
the games I already ordered a gift
sexy for the same evening he came in
an hour it’s true it’s very
practice when really does it at
last moment and what is notable there
in it is that suddenly people have
want to have the desire to have the
products faster actually from the
when we will see the act of purchase
and I’ll talk about purchasing
after from the moment I said I
wish to buy
this phone I want it right now
now it’s right now or
otherwise it will be too late what
blow people we see are ready to
pay extra to be delivered
immediately and it costs it costs super
expensive services that kiffent that book
in real time and they do that it’s not
necessarily a delivery fee was
overall they are going to have prices that
are a bit above
and that’s the way it shows that there is
really a big big request on
services that deliver quickly
so suddenly to be able to deliver
quickly to be able to buy more
quickly in fact globally we have
need to pay faster
So that’s where there’s
payment technology
stone comes into play and suddenly how
can we do a little bit distorted
the gentleman as risk we can do
for to pay faster and so
the means of payment
traditional of course historical this is
the species I can find some there
not play so the species globally I
think you’re still using a little bit
all personally on my side I
very rarely withdraws money and
I do not hurt worse
there are countries actually who have
decided to get out of an operation
with species so there are reasons
diverse and varied for that so there is
reasons that are going to be pretty handy
so modernize in fact there the
payment so to force the payment
with modernises in the country
they’ll say here we have a goal that
is by 2025 reduce payments in
kind of 50% and so countries like that
there are in europe suede for example
so sweden who has a big will
to actually kill the the currency is
now they just have
20% of transactions in the store so
way on the internet
all the transactions I want to
say home purchases all this
which is big operation so it gets
already makes 100 species but what counts
really that’s what actually stays in
store so physical transactions
and suddenly they have more
than 20% of transactions that are
cash on the outlets
physical then there is something that is
very important and suddenly I’m doing
reference to pay 800 bodies which one
spoke just now and is actually
so suddenly so at the level of
transfers to a friend so suddenly in sweden
when the government actually announced
this wish to go out of the species they have
pulled out a means of payment between
individuals called switch is in
big I’m going to put the number of
someone’s phone I mean him
sends 1 30 euro is actually me I have a
switch account that is connected to my
phone also it takes 30 euros on
my account that sends him 30 euros he
receive a notification right away
so it’s true that at home for
make transfers
between the accounts but it’s too long
actually today so we can get
say ok I’m paying you a beer and two
months while dribbling he adds there are
banks that sends a mail to
people will be able to enter the code after
end is so it’s still there is
a lot of work on it and suddenly
switch in suede that allowed to really
actually pushed those to actually favor
the disappearance of species since
blow that it allows it to be said to this
exchange which is very important who the
money transfer between individuals
is actually that in truth when we were
when we were working on paint it was
not necessarily a lounge feature
it was an idea like that we had
a moment the trick was not over
thoughtful that this we realize
that today is that kind of
features actually that makes that
blow it can really take place in
the everyday life of people because in fact
there are all these small transactions
who needs to get to
cover is then another example that
is funny enough that I saw on switch
so the transfer system in
particular in Sweden is that it gives
the example of the quest in churches
and there we will not do
to spend time in church but
blow what they do is they
display a phone number is in
does people make a transfer like that
on the phone number directly
and there we see they have a little diverted the
trick but actually it helps to recover
to recover yet more others
payments and little by little going out
completely of these famous species
there are other countries that have wished
that they have what they actually announced
want to get out another species so
you if it’s a subject that you
interest that you will be able to follow them
who is india so in india who has when
even 1.3 billion people
today so it’s still a
big enough country
the government announced that they
wanted to actually get out of a
model with species so it’s not
easy for now it’s not happening
very well it’s going well but it’s not
they will have a hard time keeping all the
objectives but in any case it’s a
example which is very interesting to
so that was it for the payment
physical
finally that was the part of the shot
really introduction of cash lets
so what is called cash leaves
blow it’s going to be really
cashless payment that’s what it
literally means and suddenly at
level of the physical payment that is
that we have as a means and
to make cash leaves the way
principal is the bank card the
credit card I think all the
world has one
today finally transactions of
base in bank card we will make a
code it takes a little time and suddenly
what they found is the
contactless payment that allows
to speed up the wholesale transaction that’s fine
to be the first way to really
accelerate banking transactions
donations which is suddenly the this payment by
Bank card
with or without contact we also have
mobile payment solutions of the coup
so that can be either based on the
credit card be something
completely apart from the credit card
so we have a wallet actually we have
a system where the phone is used
to identify ourselves and we connect our
credit card behind and so in fact
all this so that’s going to be a way of
to make transactions in a fairly
standard and then after we have of course a
third option that is usable in
some really specific backgrounds that
is going to be having a dedicated support so
this is what the utc for example with
the student card that serves that serves
in fact support to identify with
go get in his account that we have
preloaded on the internet today on
mostly uses the map
bank also except that good you find
maybe copy the code of your
credit card every time it’s not
very modern
in fact it’s a trick that’s pretty
historical meaning that
traditionally historically for
identify bank cards with
a number today we use
always on the internet but more and more
the more we see services grow
so some paypal but that starts
also to have competitors in France
where competitors who are worn by
by bank card networks
directly
and that actually allow the coup de
make transaction authorizations
rather than giving our card
banking etc. after the person can in
do what she wants and reuse it
as many times as she wants we’re just going
have an account in which we put the
bank card that is protected and who will
issue an authorization to
transactions so that’s on the internet
on the internet with this system we have a
stuff that’s super important too who
is the fact of being able to record his
credit card and that’s it in my
third part it’s okay
take its meaning we will record its
Bank card
and after we will be able to make
transactions a posteriori so in
debiting on the bank card
so we suddenly saw that there was
saw that there were indeed
means actually to delete
reduce the species so the goal actually
in truth it is not necessarily to delete
the species but the goal is to
facilitate the payment and therefore the cost in
using means of payment
digital is still more practical
when you’re in a bar trying to
queuing and we realize
we have more species to say to each other I
will pay with my card instead
than get out of there that go do the
tail to distributors and come back
queuing at the bar what are we
in 2017 we are able to
spend all the money we have on his
bank account if you want
and do not go to go
returns to withdraw even reload the
map what we do to pay
that’s what we do on
supports very pay it’s a step that
could eventually disappear if we want
what if we really want to simplify the
payment and blow how in fact and
what we could then is a
it’s a reflection to which I am
arrived actually reflecting
think about it how is this
that we could get to really
actually delete the payment step
completely when we want to recover
an object then in fact it is already there is
an option that consists of doing everything
free
so that was a little before that is the
change
globally we can get some inspiration from
what is being done what has been done at
level of music
there was a lot of downloading
illegal at a time when the internet is
happened then there are systems
who arrived where we could buy
pieces
so good there have been big
industries that surrounds and has known including
itunes but it’s not necessarily
systems that were really really
democratize and then after there is this
we have today
so today most music
people they have a subscription to a
system that allows you to listen to the
unlimited music so we will pay a
time we will finally pay once where all
the months a fixed sum and no matter
that we consume that is the coup
subscription systems so it works
for music it works for movies
so it was the same before going
rent dvd down the street it works
for movies there is ticketmaster it’s
interesting enough who does that for
concerts also that is to say that they have
released in the United States
one because you buy you pay that
every month and you can go to
all concerts at all concerts
that you actually want that are
produced by that producer is not
see that also at the transport level
so you’re the sncf they took out a
subscription for who is especially at
youth destination today but
basically it’s a way to experiment
about a population over a population
reduced a system where you pay for something
fixed and after we can take roughly
all trains that we want to take
so overall are going to be more and more
in fact of subscription I even found in
looking for a few people who make
subscriptions that provide access to
several subscriptions
and suddenly so we see more and more
in fact on just about every market
possible and in fact it’s enough
interesting to make the game of on
all the payments I’m going to have to
do and what we can have a
subscription for what we could pay
a subscription to reject that it’s not
very legal but pay a subscription for
after consuming on a bar what we want
all year round so here I play
invite you if you want to think a
little to follow not necessarily to this case
accurate but to other cases to think about
a bit of the blow to the different
different ways to really change
the how we approach the act of purchase
and where we get rid of
constrained to say I do I buy
I do not buy since we have everything
paid for advanced and now can
consume in fact everything we want
There it is, thanks
[Applause]
my name is arthur puiu
the utc of 2014 so there is not so
for a long time I was often there
saturday morning is so today I
will talk to you mainly about
payment because I spent the
past years I spent the
last few years actually doing not bad
payment is no longer a little bit more
widely that the payment of how one
can buy in the blink of an eye
since this is the theme of this day
so to put you back just a little
little context only for those who
do not know the whole story without
no longer spend three hours no when
I do like that so I put you a
little picture here with so thomas who
is on the left and mathieu on the other
side
so the other two utc one with whom we
mounted the peyote project so paid
it was in 2012 and like that looks
to be very well stay in the minds
given the introduction px we clan it
home students of the utc
this was the first the first place
where we used it and it was reserved in
did in the beginning there was already a system
payment by adult card and it is at
level of the home and we said we
wanted to improve this system that
wanted to extend this system we started
for by so install this shot
new version of our software at
home and then it was extended
from other associations so we
had still designed the system with
that in mind
the goal was that other associations
their school can use the same
account system whether to pay
online for ticketing
to order posters or for
physically pay so with the card
as we already did in the home
so was a fixed place but also
with and that’s what’s in photo of
small mobile terminals that we called
spawn countries and suddenly it’s
finished we bought them so
it was really cool because
it was actually sold
classic smartphone so that was very
easy to set up at tc and
blow that allowed us to cash a
little everywhere for a little anything
and suddenly it always turns
today is a feature I
I’m going to the city that had there
had pleased the students to
the time I have the city right away and
then we’ll talk about it to another
scale and that you all know about
is of course the transfer to a friend so
which allows students to
transfer money between them
to transfer money between them
to settle a little everything and no matter
what is it like in 2012
so we will accelerate until 2015
so that was 2015 we ended up
with the other two same person and
then a few few
more people who who have us in
actually recovered to propel us into
the adventure of the event and we
found at the old plows so to the
old plow the biggest festival
de France are taxed 90 miles
bracelet with exactly the same techno
than what we had thought to pay
and we had people who were going to pay
at the bar so not that at the bars were
food bars merchandising etc.
but with the same principle to me remains
the precharge cons and where are we going
to spend just by presenting the bracelet
is actually that it worked very well
it worked very well on and old
plows on plenty of other festivals on
did 200 festivals this year
and not only festivals and it pleases
a lot to the organizers of course
because suddenly it removes the
circulation of species in the festival
but not that it actually appeals to
public ie the public has
priori we will say ah yes but hey
record all our movements
the bar we pay more with the species
while it was millions it’s more
consistent overall returns
that we have public it is studies that
are pretty scientist who are made
by specialized firms
it’s that the public likes it that way
does that then why this after the public
that’s a bit of the question to which I
am I going to try to answer and that has
a relationship with the theme of the day since
actually today so I have not
handed Rome a wink but we live
in a world that is always more
fast a world at a glance
actually in 2010 is globally
people the public they have more desire
to wait they have internet with
internet we have all their training to
handy so here I could I
could you talk a lot about
things very technical but I’m going I
am going to make it simple enough I ‘m going to take
an example that is really the example of
based
I’m gonna recheck the data
last night finishing the presentation
of course and so suddenly when you
send a letter to new zealand
a few years ago we had the post
who was out of play not if there was
direct planes that went into new
zealand
I think it’s still rare
today but overall we will say
it takes a few days to send
a letter there and a few days and
that it come back when we did not have the
actually had there then we were talking
rather about me because we were doing
boat have crossed the planet
the new year is really the opposite
the most complete I think we can not
find much further today
so gg check the website of a
operator in new zealand an
telephony operator it takes 300
milliseconds to go there so
endless 300 milliseconds to make a
round trip
it’s the ping for those who know
300 milliseconds of ping that’s a lot
but it’s still nothing for
go to the new zealand and that
equals two winks for
the go 1 for the return
that was the part a bit to
put a figure today we have some
instant messaging applications
so who’s snapshot the name is
to say that people are getting everything from
following the messages but actually beyond
of that we see that you saw it so
it started
it starts and then in fact today
they do it all but the api’s
instant messenger they will you
say today the message has been received
so arthur with your mother arthur has
received the message and after worse
arthur read the message
so that’s horrible because
we do not dare to open the messages anymore
and actually when we opened it we know
that the person is we had read the
that we have seen the message is actually
suddenly we feel obliged to answer everything
right now that’s often what makes it one that
do that it’s just that we get
said good ben voila if I answer no
way it’s a little
it’s a little shame or where I’m going
harassing suddenly I answer all
immediately like that it’s done and suddenly
the other is either stack or not
blow in fact we end up exchanging
permanently for everything and anything
what and in fact with both
technologies that allow you to go more
fast that allow to communicate
much faster but who in
more then after there are reasons and to
business reasons especially what they
call the screen time ie
that the big big companies
on the internet have interest in what you
spend as much time as you can
their service of course and so suddenly
so that you are always in
the app will make sure that
foster this instant exchange that
really changes the way we have
to interact with people me the example
that I always take before that is when
we went to someone’s home in paris
we thought about asking him before going
the code from his home there today we
would always make a message when we are
below
never never before so that
that’s all that is
communication so it’s pretty virtual
physically then there we are in full
in the Christmas period
so it’s pretty relevant in addition to
discussing it physically is the same
that is to say that the great merchants of
ten businesses
they are a bit in a race and have some
tons of start up that is growing there
in
so I say trade it’s going to be on
christmas gift product purchases
but it’s the same with shipments of
food
the goal today is not only
to be able to deliver something and
even less anywhere because of
blow there are new services that
appear that are really focused
on some cities that are
available only in some cities
these cases for all that is
transport but also on some
delivery services and where we have a
delivery of the blow we had the delivery
the next day we had the delivery on
evening and the recently amazon of the blow has
pulled out a service where he delivers in one
hour then it is frankly it is
does not become very quickly increases what
the games I already ordered a gift
sexy for the same evening he came in
an hour it’s true it’s very
practice when really does it at
last moment and what is notable there
in it is that suddenly people have
want to have the desire to have the
products faster actually from the
when we will see the act of purchase
and I’ll talk about purchasing
after from the moment I said I
wish to buy
this phone I want it right now
now it’s right now or
otherwise it will be too late what
blow people we see are ready to
pay extra to be delivered
immediately and it costs it costs super
expensive services that kiffent that book
in real time and they do that it’s not
necessarily a delivery fee was
overall they are going to have prices that
are a bit above
and that’s the way it shows that there is
really a big big request on
services that deliver quickly
so suddenly to be able to deliver
quickly to be able to buy more
quickly in fact globally we have
need to pay faster
So that’s where there’s
payment technology
stone comes into play and suddenly how
can we do a little bit distorted
the gentleman as risk we can do
for to pay faster and so
the means of payment
traditional of course historical this is
the species I can find some there
not play so the species globally I
think you’re still using a little bit
all personally on my side I
very rarely withdraws money and
I do not hurt worse
there are countries actually who have
decided to get out of an operation
with species so there are reasons
diverse and varied for that so there is
reasons that are going to be pretty handy
so modernize in fact there the
payment so to force the payment
with modernises in the country
they’ll say here we have a goal that
is by 2025 reduce payments in
kind of 50% and so countries like that
there are in europe suede for example
so sweden who has a big will
to actually kill the the currency is
now they just have
20% of transactions in the store so
way on the internet
all the transactions I want to
say home purchases all this
which is big operation so it gets
already makes 100 species but what counts
really that’s what actually stays in
store so physical transactions
and suddenly they have more
than 20% of transactions that are
cash on the outlets
physical then there is something that is
very important and suddenly I’m doing
reference to pay 800 bodies which one
spoke just now and is actually
so suddenly so at the level of
transfers to a friend so suddenly in sweden
when the government actually announced
this wish to go out of the species they have
pulled out a means of payment between
individuals called switch is in
big I’m going to put the number of
someone’s phone I mean him
sends 1 30 euro is actually me I have a
switch account that is connected to my
phone also it takes 30 euros on
my account that sends him 30 euros he
receive a notification right away
so it’s true that at home for
make transfers
between the accounts but it’s too long
actually today so we can get
say ok I’m paying you a beer and two
months while dribbling he adds there are
banks that sends a mail to
people will be able to enter the code after
end is so it’s still there is
a lot of work on it and suddenly
switch in suede that allowed to really
actually pushed those to actually favor
the disappearance of species since
blow that it allows it to be said to this
exchange which is very important who the
money transfer between individuals
is actually that in truth when we were
when we were working on paint it was
not necessarily a lounge feature
it was an idea like that we had
a moment the trick was not over
thoughtful that this we realize
that today is that kind of
features actually that makes that
blow it can really take place in
the everyday life of people because in fact
there are all these small transactions
who needs to get to
cover is then another example that
is funny enough that I saw on switch
so the transfer system in
particular in Sweden is that it gives
the example of the quest in churches
and there we will not do
to spend time in church but
blow what they do is they
display a phone number is in
does people make a transfer like that
on the phone number directly
and there we see they have a little diverted the
trick but actually it helps to recover
to recover yet more others
payments and little by little going out
completely of these famous species
there are other countries that have wished
that they have what they actually announced
want to get out another species so
you if it’s a subject that you
interest that you will be able to follow them
who is india so in india who has when
even 1.3 billion people
today so it’s still a
big enough country
the government announced that they
wanted to actually get out of a
model with species so it’s not
easy for now it’s not happening
very well it’s going well but it’s not
they will have a hard time keeping all the
objectives but in any case it’s a
example which is very interesting to
so that was it for the payment
physical
finally that was the part of the shot
really introduction of cash lets
so what is called cash leaves
blow it’s going to be really
cashless payment that’s what it
literally means and suddenly at
level of the physical payment that is
that we have as a means and
to make cash leaves the way
principal is the bank card the
credit card I think all the
world has one
today finally transactions of
base in bank card we will make a
code it takes a little time and suddenly
what they found is the
contactless payment that allows
to speed up the wholesale transaction that’s fine
to be the first way to really
accelerate banking transactions
donations which is suddenly the this payment by
Bank card
with or without contact we also have
mobile payment solutions of the coup
so that can be either based on the
credit card be something
completely apart from the credit card
so we have a wallet actually we have
a system where the phone is used
to identify ourselves and we connect our
credit card behind and so in fact
all this so that’s going to be a way of
to make transactions in a fairly
standard and then after we have of course a
third option that is usable in
some really specific backgrounds that
is going to be having a dedicated support so
this is what the utc for example with
the student card that serves that serves
in fact support to identify with
go get in his account that we have
preloaded on the internet today on
mostly uses the map
bank also except that good you find
maybe copy the code of your
credit card every time it’s not
very modern
in fact it’s a trick that’s pretty
historical meaning that
traditionally historically for
identify bank cards with
a number today we use
always on the internet but more and more
the more we see services grow
so some paypal but that starts
also to have competitors in France
where competitors who are worn by
by bank card networks
directly
and that actually allow the coup de
make transaction authorizations
rather than giving our card
banking etc. after the person can in
do what she wants and reuse it
as many times as she wants we’re just going
have an account in which we put the
bank card that is protected and who will
issue an authorization to
transactions so that’s on the internet
on the internet with this system we have a
stuff that’s super important too who
is the fact of being able to record his
credit card and that’s it in my
third part it’s okay
take its meaning we will record its
Bank card
and after we will be able to make
transactions a posteriori so in
debiting on the bank card
so we suddenly saw that there was
saw that there were indeed
means actually to delete
reduce the species so the goal actually
in truth it is not necessarily to delete
the species but the goal is to
facilitate the payment and therefore the cost in
using means of payment
digital is still more practical
when you’re in a bar trying to
queuing and we realize
we have more species to say to each other I
will pay with my card instead
than get out of there that go do the
tail to distributors and come back
queuing at the bar what are we
in 2017 we are able to
spend all the money we have on his
bank account if you want
and do not go to go
returns to withdraw even reload the
map what we do to pay
that’s what we do on
supports very pay it’s a step that
could eventually disappear if we want
what if we really want to simplify the
payment and blow how in fact and
what we could then is a
it’s a reflection to which I am
arrived actually reflecting
think about it how is this
that we could get to really
actually delete the payment step
completely when we want to recover
an object then in fact it is already there is
an option that consists of doing everything
free
so that was a little before that is the
change
globally we can get some inspiration from
what is being done what has been done at
level of music
there was a lot of downloading
illegal at a time when the internet is
happened then there are systems
who arrived where we could buy
pieces
so good there have been big
industries that surrounds and has known including
itunes but it’s not necessarily
systems that were really really
democratize and then after there is this
we have today
so today most music
people they have a subscription to a
system that allows you to listen to the
unlimited music so we will pay a
time we will finally pay once where all
the months a fixed sum and no matter
that we consume that is the coup
subscription systems so it works
for music it works for movies
so it was the same before going
rent dvd down the street it works
for movies there is ticketmaster it’s
interesting enough who does that for
concerts also that is to say that they have
released in the United States
one because you buy you pay that
every month and you can go to
all concerts at all concerts
that you actually want that are
produced by that producer is not
see that also at the transport level
so you’re the sncf they took out a
subscription for who is especially at
youth destination today but
basically it’s a way to experiment
about a population over a population
reduced a system where you pay for something
fixed and after we can take roughly
all trains that we want to take
so overall are going to be more and more
in fact of subscription I even found in
looking for a few people who make
subscriptions that provide access to
several subscriptions
and suddenly so we see more and more
in fact on just about every market
possible and in fact it’s enough
interesting to make the game of on
all the payments I’m going to have to
do and what we can have a
subscription for what we could pay
a subscription to reject that it’s not
very legal but pay a subscription for
after consuming on a bar what we want
all year round so here I play
invite you if you want to think a
little to follow not necessarily to this case
accurate but to other cases to think about
a bit of the blow to the different
different ways to really change
the how we approach the act of purchase
and where we get rid of
constrained to say I do I buy
I do not buy since we have everything
paid for advanced and now can
consume in fact everything we want
There it is, thanks
[Applause]
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