How Mobile is Solving a City's Transit Payment Challenges

CIO Review APAC | Wednesday, June 16, 2021

Pandemic has upset normal shopping behaviours, speeding an increasing number of online consumers to shop and pay, with retailers experiencing year-over-year growth in digital commerce in the first quarter of 2020. The increase in eCommerce makes efficient digital payment options an essential part of maintaining healthy cash flow.:  Pandemic has upset normal shopping behaviours, speeding an increasing number of online consumers to shop and pay, with retailers experiencing year-over-year growth in digital commerce in the first quarter of 2020. The increase in eCommerce makes efficient digital payment options an essential part of maintaining healthy cash flow.

FREMONT, CA: As the COVID-19 pandemic changed our way of life around the globe, disruption to daily routines is particularly dramatic for urban dwellers, particularly in deeply affected countries and regions where strict lockdown measures and travel restrictions typically left busy streets, busy commercial districts and crowded subways deserted. With the imperative to protect their employees and customers, transport operators responded with immediate reviews of their collections and ticketing systems. In many cases, this prompted them to accelerate the transition to digital through contactless payments, mobile ticketing, and transit apps. These capabilities help cities survive and emerge from the crisis and are vital to the future of the urban centres. Below are some ways how mobile is solving a city’s transit payment challenges.

Touchless payments

COVID-19 has opened innovative emphasis to the tidiness of conventional bank-card use, which necessitates tucking a chip card into a card reader, then employing a keypad or stylus to check the PIN account or to sign the purchase account. This means one customer after another touches these surfaces to complete transactions. Digital contactless payment technology operates transactions securely with a card's tap or even a touchless wave, not requiring PINs or signatures. Consumers can use contactless functionality to avoid potential contamination by preventing the keypad and stylus at retail outlets across all industries, including transportation, and even without handing the card to an employee.

Mobile tickets

Open-loop transit systems, enabling travellers to pay with cards already in their pockets or on their phones, are the clear trail forward and the ideal city-future-proofing technology. But planning and implementing contactless transit networks takes time—a luxury city wasn't amid a global pandemic. Mobile ticketing has been a no-touch solution for many systems still relying on cash in just weeks. Using barcodes or Quick Response (QR) codes on a customer's smartphone instead of a paper ticket, enhanced mobile ticketing solutions eliminate physical transit passes so travellers can enter a laser scanning technology gate. Additionally, enhanced mobile ticketing solutions enable riders to bypass sales points within the system (both self-serve and attended), eliminating standing up to other riders or close contact with a ticket agent to buy.

Transit apps and digital integration

Building on mobile ticketing capabilities, mobile transit-system apps are a widely accessible solution for full digital integration. Smartphone's near-ubiquity and the potential for rapid deployment have made public-transit apps a valuable resource in protecting city riders during the pandemic.

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