{"id":1077,"date":"2013-08-05T07:36:28","date_gmt":"2013-08-05T05:36:28","guid":{"rendered":"https:\/\/hub.hslu.ch\/retailbanking\/?p=1077"},"modified":"2026-02-11T14:52:44","modified_gmt":"2026-02-11T13:52:44","slug":"mobile-payment-wie-smartphones-das-banking-veraendern-koennten","status":"publish","type":"post","link":"https:\/\/hub.hslu.ch\/retailbanking\/mobile-payment-wie-smartphones-das-banking-veraendern-koennten\/","title":{"rendered":"Mobile Payment: Wie Smartphones das Banking ver\u00e4ndern k\u00f6nnten"},"content":{"rendered":"\n\n\n<p>Das mobile Bezahlen ist einer der aktuell wichtigsten Trends, der den Markt f\u00fcr Finanzdienstleistungen revolutionieren k\u00f6nnte. Banken m\u00fcssen aus meiner Sicht auf der Hut sein, dass sie nicht wertvolle Anteile im Zahlungsverkehr und damit einen grossen und wichtigen Teil der Kundenbeziehungen an m\u00f6glicherweise v\u00f6llig neue Wettbewerber (aus dem Nichtbanken-Bereich) verlieren. Ein wesentlicher Aspekt sind dabei die \u201eMobile Wallet\u201c genannten digitalen Brieftaschen. Im untenstehenden, informativen, rund drei Minuten dauernden Video werden Entwicklungen und Einsatzm\u00f6glichkeiten von Mobile Payment sowie einer Digital Wallet erl\u00e4utert und diskutiert. Unter anderem wird aufgezeigt\u2026<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>\u2026wie verschiedene Karten in der Wallet enthalten sind (haben Sie gerne st\u00e4ndig 50 Karten wie Cumulus-Karte, Coop Superkarte, Orell-F\u00fcssli-Kundenkarte, etc. dabei?)<\/li><li>\u2026wie mit Near Field Communication (NFC) beim Einkaufen mit dem Handy bezahlt werden kann (ist doch noch praktisch, oder nicht?)<\/li><li>\u2026wie man seine 50 CHF Schulden beim Kollegen schnell und einfach von Handy zu Handy begleichen kann (oder haben Sie immer gen\u00fcgend Cash dabei?)<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/hub.hslu.ch\/retailbanking\/wp-content\/uploads\/sites\/7\/2013\/07\/Wallet-Idea.png\"><img loading=\"lazy\" decoding=\"async\" width=\"616\" height=\"355\" src=\"https:\/\/hub.hslu.ch\/retailbanking\/wp-content\/uploads\/sites\/7\/2013\/07\/Wallet-Idea.png\" alt=\"\" class=\"wp-image-1078\" srcset=\"https:\/\/hub.hslu.ch\/retailbanking\/wp-content\/uploads\/sites\/7\/2013\/07\/Wallet-Idea.png 616w, https:\/\/hub.hslu.ch\/retailbanking\/wp-content\/uploads\/sites\/7\/2013\/07\/Wallet-Idea-300x172.png 300w\" sizes=\"auto, (max-width: 616px) 100vw, 616px\" \/><\/a><figcaption><em>Abbildung 1: Smartphone als Wallet f\u00fcr alle Arten von Karten<\/em><\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/hub.hslu.ch\/retailbanking\/wp-content\/uploads\/sites\/7\/2013\/07\/Wallet-NFC.png\"><img loading=\"lazy\" decoding=\"async\" width=\"607\" height=\"361\" src=\"https:\/\/hub.hslu.ch\/retailbanking\/wp-content\/uploads\/sites\/7\/2013\/07\/Wallet-NFC.png\" alt=\"\" class=\"wp-image-1080\" srcset=\"https:\/\/hub.hslu.ch\/retailbanking\/wp-content\/uploads\/sites\/7\/2013\/07\/Wallet-NFC.png 607w, https:\/\/hub.hslu.ch\/retailbanking\/wp-content\/uploads\/sites\/7\/2013\/07\/Wallet-NFC-300x178.png 300w\" sizes=\"auto, (max-width: 607px) 100vw, 607px\" \/><\/a><figcaption><em>Abbildung 2: Near Field Communication \u2013 Bezahlen mit dem Smartphone<\/em><\/figcaption><\/figure>\n\n\n\n\n\n\n\n<p><b>Kurzfazit:<\/b><\/p>\n\n\n\n<p>Aus meiner Sicht k\u00f6nnte der Trend in die angedeutete Richtung gehen, auch wenn derzeit die Technologie noch nicht ganz ausgereift ist und auch die Retailer (Gesch\u00e4fte) im Moment noch nicht mit diesen Technologien ausger\u00fcstet sind. Ob die Banken dabei die Rolle von heute behalten, ist eines der spannenden Themen der n\u00e4heren Zukunft und wird mich auf diesem Blog weiterhin besch\u00e4ftigen. Auf jeden Fall sollten Retail Banken den Trend des mobilen Bezahlens laufend beobachten, um den Aufstieg auf diesen Zug nicht zu verpassen.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Heute m\u00f6chte ich ein kurzes Video \u00fcber mobile Payment pr\u00e4sentieren. Darin erl\u00e4utern verschiedene Experten, wie das Smartphone zu unserer digitalen Brieftasche werden kann und welche M\u00f6glichkeiten sich damit f\u00fcr Banken und Kunden ergeben.<\/p>\n","protected":false},"author":1270,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":"","_links_to":"","_links_to_target":""},"categories":[252,1722,436,19527,1723,19495,19461],"tags":[19513,19507,27764,27763,19530,7465],"class_list":["post-1077","post","type-post","status-publish","format-standard","hentry","category-allgemein","category-1722","category-436","category-kundenorientierung","category-1723","category-regionalbanken-und-sparkassen","category-vertriebsmanagement","tag-informationstechnologie","tag-mobile-banking-2","tag-mobile-wallet","tag-nfc","tag-non-and-nearbanks","tag-trend"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mobile Payment: Wie Smartphones das Banking ver\u00e4ndern k\u00f6nnten - IFZ Retail Banking Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/hub.hslu.ch\/retailbanking\/mobile-payment-wie-smartphones-das-banking-veraendern-koennten\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mobile Payment: Wie Smartphones das Banking ver\u00e4ndern k\u00f6nnten - IFZ Retail Banking Blog\" \/>\n<meta property=\"og:description\" content=\"Heute m\u00f6chte ich ein kurzes Video \u00fcber mobile Payment pr\u00e4sentieren. Darin erl\u00e4utern verschiedene Experten, wie das Smartphone zu unserer digitalen Brieftasche werden kann und welche M\u00f6glichkeiten sich damit f\u00fcr Banken und Kunden ergeben.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/hub.hslu.ch\/retailbanking\/mobile-payment-wie-smartphones-das-banking-veraendern-koennten\/\" \/>\n<meta property=\"og:site_name\" content=\"IFZ Retail Banking Blog\" \/>\n<meta property=\"article:published_time\" content=\"2013-08-05T05:36:28+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-11T13:52:44+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/hub.hslu.ch\/retailbanking\/wp-content\/uploads\/sites\/7\/2013\/07\/Wallet-Idea.png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Verfasst von\" \/>\n\t<meta name=\"twitter:data1\" content=\"\" \/>\n\t<meta name=\"twitter:label2\" content=\"Gesch\u00e4tzte Lesezeit\" \/>\n\t<meta name=\"twitter:data2\" content=\"3\u00a0Minuten\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/hub.hslu.ch\\\/retailbanking\\\/mobile-payment-wie-smartphones-das-banking-veraendern-koennten\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/hub.hslu.ch\\\/retailbanking\\\/mobile-payment-wie-smartphones-das-banking-veraendern-koennten\\\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"Mobile Payment: Wie Smartphones das Banking ver\u00e4ndern k\u00f6nnten\",\"datePublished\":\"2013-08-05T05:36:28+00:00\",\"dateModified\":\"2026-02-11T13:52:44+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/hub.hslu.ch\\\/retailbanking\\\/mobile-payment-wie-smartphones-das-banking-veraendern-koennten\\\/\"},\"wordCount\":276,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/hub.hslu.ch\\\/retailbanking\\\/mobile-payment-wie-smartphones-das-banking-veraendern-koennten\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/hub.hslu.ch\\\/retailbanking\\\/wp-content\\\/uploads\\\/sites\\\/7\\\/2013\\\/07\\\/Wallet-Idea.png\",\"keywords\":[\"Informationstechnologie\",\"Mobile Banking\",\"Mobile Wallet\",\"NFC\",\"Non- and Nearbanks\",\"Trend\"],\"articleSection\":{\"1\":\"Grossbanken\",\"2\":\"Kantonalbanken\",\"3\":\"Kundenorientierung\",\"4\":\"Raiffeisenbanken\",\"5\":\"Regionalbanken und Sparkassen\",\"6\":\"Vertriebsmanagement\"},\"inLanguage\":\"de\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/hub.hslu.ch\\\/retailbanking\\\/mobile-payment-wie-smartphones-das-banking-veraendern-koennten\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/hub.hslu.ch\\\/retailbanking\\\/mobile-payment-wie-smartphones-das-banking-veraendern-koennten\\\/\",\"url\":\"https:\\\/\\\/hub.hslu.ch\\\/retailbanking\\\/mobile-payment-wie-smartphones-das-banking-veraendern-koennten\\\/\",\"name\":\"Mobile Payment: Wie Smartphones das Banking ver\u00e4ndern k\u00f6nnten - IFZ Retail Banking Blog\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/hub.hslu.ch\\\/retailbanking\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/hub.hslu.ch\\\/retailbanking\\\/mobile-payment-wie-smartphones-das-banking-veraendern-koennten\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/hub.hslu.ch\\\/retailbanking\\\/mobile-payment-wie-smartphones-das-banking-veraendern-koennten\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/hub.hslu.ch\\\/retailbanking\\\/wp-content\\\/uploads\\\/sites\\\/7\\\/2013\\\/07\\\/Wallet-Idea.png\",\"datePublished\":\"2013-08-05T05:36:28+00:00\",\"dateModified\":\"2026-02-11T13:52:44+00:00\",\"author\":{\"@id\":\"\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/hub.hslu.ch\\\/retailbanking\\\/mobile-payment-wie-smartphones-das-banking-veraendern-koennten\\\/#breadcrumb\"},\"inLanguage\":\"de\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/hub.hslu.ch\\\/retailbanking\\\/mobile-payment-wie-smartphones-das-banking-veraendern-koennten\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"de\",\"@id\":\"https:\\\/\\\/hub.hslu.ch\\\/retailbanking\\\/mobile-payment-wie-smartphones-das-banking-veraendern-koennten\\\/#primaryimage\",\"url\":\"https:\\\/\\\/hub.hslu.ch\\\/retailbanking\\\/wp-content\\\/uploads\\\/sites\\\/7\\\/2013\\\/07\\\/Wallet-Idea.png\",\"contentUrl\":\"https:\\\/\\\/hub.hslu.ch\\\/retailbanking\\\/wp-content\\\/uploads\\\/sites\\\/7\\\/2013\\\/07\\\/Wallet-Idea.png\",\"width\":616,\"height\":355},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/hub.hslu.ch\\\/retailbanking\\\/mobile-payment-wie-smartphones-das-banking-veraendern-koennten\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Startseite\",\"item\":\"https:\\\/\\\/hub.hslu.ch\\\/retailbanking\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Mobile Payment: Wie Smartphones das Banking ver\u00e4ndern k\u00f6nnten\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/hub.hslu.ch\\\/retailbanking\\\/#website\",\"url\":\"https:\\\/\\\/hub.hslu.ch\\\/retailbanking\\\/\",\"name\":\"IFZ Retail Banking Blog\",\"description\":\"News und Trends aus dem Retail Banking Markt Schweiz\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/hub.hslu.ch\\\/retailbanking\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"de\"},{\"@type\":\"Person\",\"@id\":\"\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Mobile Payment: Wie Smartphones das Banking ver\u00e4ndern k\u00f6nnten - IFZ Retail Banking Blog","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/hub.hslu.ch\/retailbanking\/mobile-payment-wie-smartphones-das-banking-veraendern-koennten\/","og_locale":"de_DE","og_type":"article","og_title":"Mobile Payment: Wie Smartphones das Banking ver\u00e4ndern k\u00f6nnten - IFZ Retail Banking Blog","og_description":"Heute m\u00f6chte ich ein kurzes Video \u00fcber mobile Payment pr\u00e4sentieren. Darin erl\u00e4utern verschiedene Experten, wie das Smartphone zu unserer digitalen Brieftasche werden kann und welche M\u00f6glichkeiten sich damit f\u00fcr Banken und Kunden ergeben.","og_url":"https:\/\/hub.hslu.ch\/retailbanking\/mobile-payment-wie-smartphones-das-banking-veraendern-koennten\/","og_site_name":"IFZ Retail Banking Blog","article_published_time":"2013-08-05T05:36:28+00:00","article_modified_time":"2026-02-11T13:52:44+00:00","og_image":[{"url":"https:\/\/hub.hslu.ch\/retailbanking\/wp-content\/uploads\/sites\/7\/2013\/07\/Wallet-Idea.png","type":"","width":"","height":""}],"twitter_card":"summary_large_image","twitter_misc":{"Verfasst von":"","Gesch\u00e4tzte Lesezeit":"3\u00a0Minuten"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/hub.hslu.ch\/retailbanking\/mobile-payment-wie-smartphones-das-banking-veraendern-koennten\/#article","isPartOf":{"@id":"https:\/\/hub.hslu.ch\/retailbanking\/mobile-payment-wie-smartphones-das-banking-veraendern-koennten\/"},"author":{"name":"","@id":""},"headline":"Mobile Payment: Wie Smartphones das Banking ver\u00e4ndern k\u00f6nnten","datePublished":"2013-08-05T05:36:28+00:00","dateModified":"2026-02-11T13:52:44+00:00","mainEntityOfPage":{"@id":"https:\/\/hub.hslu.ch\/retailbanking\/mobile-payment-wie-smartphones-das-banking-veraendern-koennten\/"},"wordCount":276,"commentCount":0,"image":{"@id":"https:\/\/hub.hslu.ch\/retailbanking\/mobile-payment-wie-smartphones-das-banking-veraendern-koennten\/#primaryimage"},"thumbnailUrl":"https:\/\/hub.hslu.ch\/retailbanking\/wp-content\/uploads\/sites\/7\/2013\/07\/Wallet-Idea.png","keywords":["Informationstechnologie","Mobile Banking","Mobile Wallet","NFC","Non- and Nearbanks","Trend"],"articleSection":{"1":"Grossbanken","2":"Kantonalbanken","3":"Kundenorientierung","4":"Raiffeisenbanken","5":"Regionalbanken und Sparkassen","6":"Vertriebsmanagement"},"inLanguage":"de","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/hub.hslu.ch\/retailbanking\/mobile-payment-wie-smartphones-das-banking-veraendern-koennten\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/hub.hslu.ch\/retailbanking\/mobile-payment-wie-smartphones-das-banking-veraendern-koennten\/","url":"https:\/\/hub.hslu.ch\/retailbanking\/mobile-payment-wie-smartphones-das-banking-veraendern-koennten\/","name":"Mobile Payment: Wie Smartphones das Banking ver\u00e4ndern k\u00f6nnten - IFZ Retail Banking Blog","isPartOf":{"@id":"https:\/\/hub.hslu.ch\/retailbanking\/#website"},"primaryImageOfPage":{"@id":"https:\/\/hub.hslu.ch\/retailbanking\/mobile-payment-wie-smartphones-das-banking-veraendern-koennten\/#primaryimage"},"image":{"@id":"https:\/\/hub.hslu.ch\/retailbanking\/mobile-payment-wie-smartphones-das-banking-veraendern-koennten\/#primaryimage"},"thumbnailUrl":"https:\/\/hub.hslu.ch\/retailbanking\/wp-content\/uploads\/sites\/7\/2013\/07\/Wallet-Idea.png","datePublished":"2013-08-05T05:36:28+00:00","dateModified":"2026-02-11T13:52:44+00:00","author":{"@id":""},"breadcrumb":{"@id":"https:\/\/hub.hslu.ch\/retailbanking\/mobile-payment-wie-smartphones-das-banking-veraendern-koennten\/#breadcrumb"},"inLanguage":"de","potentialAction":[{"@type":"ReadAction","target":["https:\/\/hub.hslu.ch\/retailbanking\/mobile-payment-wie-smartphones-das-banking-veraendern-koennten\/"]}]},{"@type":"ImageObject","inLanguage":"de","@id":"https:\/\/hub.hslu.ch\/retailbanking\/mobile-payment-wie-smartphones-das-banking-veraendern-koennten\/#primaryimage","url":"https:\/\/hub.hslu.ch\/retailbanking\/wp-content\/uploads\/sites\/7\/2013\/07\/Wallet-Idea.png","contentUrl":"https:\/\/hub.hslu.ch\/retailbanking\/wp-content\/uploads\/sites\/7\/2013\/07\/Wallet-Idea.png","width":616,"height":355},{"@type":"BreadcrumbList","@id":"https:\/\/hub.hslu.ch\/retailbanking\/mobile-payment-wie-smartphones-das-banking-veraendern-koennten\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Startseite","item":"https:\/\/hub.hslu.ch\/retailbanking\/"},{"@type":"ListItem","position":2,"name":"Mobile Payment: Wie Smartphones das Banking ver\u00e4ndern k\u00f6nnten"}]},{"@type":"WebSite","@id":"https:\/\/hub.hslu.ch\/retailbanking\/#website","url":"https:\/\/hub.hslu.ch\/retailbanking\/","name":"IFZ Retail Banking Blog","description":"News und Trends aus dem Retail Banking Markt Schweiz","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/hub.hslu.ch\/retailbanking\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"de"},{"@type":"Person","@id":""}]}},"featured_image_src":null,"featured_image_src_square":null,"author_info":{"display_name":"","author_link":"https:\/\/hub.hslu.ch\/retailbanking\/author\/"},"_links":{"self":[{"href":"https:\/\/hub.hslu.ch\/retailbanking\/wp-json\/wp\/v2\/posts\/1077","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hub.hslu.ch\/retailbanking\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hub.hslu.ch\/retailbanking\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hub.hslu.ch\/retailbanking\/wp-json\/wp\/v2\/users\/1270"}],"replies":[{"embeddable":true,"href":"https:\/\/hub.hslu.ch\/retailbanking\/wp-json\/wp\/v2\/comments?post=1077"}],"version-history":[{"count":6,"href":"https:\/\/hub.hslu.ch\/retailbanking\/wp-json\/wp\/v2\/posts\/1077\/revisions"}],"predecessor-version":[{"id":21313,"href":"https:\/\/hub.hslu.ch\/retailbanking\/wp-json\/wp\/v2\/posts\/1077\/revisions\/21313"}],"wp:attachment":[{"href":"https:\/\/hub.hslu.ch\/retailbanking\/wp-json\/wp\/v2\/media?parent=1077"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hub.hslu.ch\/retailbanking\/wp-json\/wp\/v2\/categories?post=1077"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hub.hslu.ch\/retailbanking\/wp-json\/wp\/v2\/tags?post=1077"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}