{"id":13056,"date":"2021-08-30T14:09:25","date_gmt":"2021-08-30T12:09:25","guid":{"rendered":"https:\/\/yeeply.com\/en\/?p=13056"},"modified":"2021-08-30T14:09:25","modified_gmt":"2021-08-30T12:09:25","slug":"p2p-apps-payment","status":"publish","type":"post","link":"https:\/\/yeeply.com\/en\/blog\/mobile-app-development\/p2p-apps-payment\/","title":{"rendered":"P2P payment applications: say goodbye to cash"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Bizum (Spain) or PayPal are P2P apps that you have probably used at some point. These are P2P <\/span><b>payments that allow you to transfer money between people so quickly and easil<\/b><span style=\"font-weight: 400;\">y that they are replacing more traditional means of payment and changing the rules of the game in terms of transactions both nationally and internationally.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><div class=\"bt-proyecto\"><a class=\"do-not-track\" href=\"https:\/\/yeeply.com\/en\/mobile-app-development\/?rel=EN-BT-proyecto-app#publish-project\" target=\"_blank\" rel=\"noopener\">WANT TO CREATE AN APP? TELL US ABOUT YOUR PROJECT!<\/a><\/div><\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Index<\/span><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"#Def\"><span style=\"font-weight: 400;\">What are P2P payment applications?<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"#Numbers\"><span style=\"font-weight: 400;\">Numbers and facts<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"#Benefits\"><span style=\"font-weight: 400;\">Benefits of P2P payment applications\u00a0<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"#Examples\"><span style=\"font-weight: 400;\">Examples of P2P applications\u00a0<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"#Risks\"><span style=\"font-weight: 400;\">Risks of P2P payment applications<\/span><\/a><\/li>\n<\/ul>\n<h2><span id=\"Def\" style=\"font-weight: 400;\">What are P2P payment applications?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">P2P payments, or Peer to Peer applications, are applications that facilitate mobile money transactions. You can use them to <\/span><b>pay for anything<\/b><span style=\"font-weight: 400;\">, such as your rent or a dinner bill with friends. These apps, therefore, allow you to send money quickly anytime, anywhere.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There are already businesses that accept this form of payment for different products or services and <\/span><b>FinTech<\/b><span style=\"font-weight: 400;\"> companies, for example, have started to change the way they provide financial services. Previously, they used classic providers such as banks or post offices for payments and transfers between countries, but these systems require more time and management costs, so FinTechs are moving to P2P.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, not all mobile payment applications support P2P transfers.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Microsoft Pay, Samsung Pay or Apple Pay are mobile apps that can be <\/span><b>used to make in-store purchases<\/b><span style=\"font-weight: 400;\">, like your bank card, but they cannot transfer money to another person. These are the so-called wallet apps, e-wallets or mobile payment apps.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Then there are P2P apps that do allow you to transfer money from person to person.\u00a0 <\/span><b>All you need is a mobile phone, an internet connection and your P2P app<\/b><span style=\"font-weight: 400;\">, which you must link to your bank account. And with that, you are ready to make instant payments without having to carry cash. Some examples of these popular P2P applications in our country are Bizum or Twyp.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">?\u00a0 Related article: <\/span><a href=\"https:\/\/yeeply.com\/en\/blog\/m-wallets-on-demand-app-development\/\"><i><span style=\"font-weight: 400;\">M-wallets: an opportunity for on-demand app development<\/span><\/i><\/a><\/p>\n<p>&nbsp;<\/p>\n<h2><span id=\"Numbers\" style=\"font-weight: 400;\">Numbers and facts<\/span><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Globally, the total value of transfers made via payment apps was \u20ac59 billion in 2018 and is forecast to <\/span><b>grow to \u20ac121 billion by 2022<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In Spain, the forecasts are also for growth, but with more modest figures, rising from \u20ac37 million <\/span><b>in 2018 to \u20ac60 million by 2022<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The number of users worldwide is expected to rise from 181 million in 2018 to 188 million by 2022. The average transaction value per user is <\/span><b>expected to rise from \u20ac327 in 2018 to \u20ac644 in 2022<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In the US, the total number of P2P app users will grow by almost 30% to 82.5 million people, equivalent to <\/span><b>40.5% of US smartphone users<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">P2P payments are currently used by <\/span><b>more than 62% of US millennials<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<h2><span id=\"Benefits\" style=\"font-weight: 400;\">Benefits of P2P payment applications\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The main benefits of P2P applications are:<\/span><\/p>\n<p><b>Ease of u<\/b><strong>s<\/strong><span style=\"font-weight: 400;\"><strong>e<\/strong>, as all you need, is a bank account that provides this P2P service and to has registered and downloaded the application to your mobile phone.\u00a0<\/span><\/p>\n<p><b>Speed<\/b><span style=\"font-weight: 400;\">, as there is no waiting, no queues and it sends money instantly.<\/span><\/p>\n<p><b>Practicality<\/b><span style=\"font-weight: 400;\">, because the sender and receiver of the money do not need to be in the same place, nor do they need ATMs or a separate card.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">P2P applications <\/span><b>improve scalability and trust<\/b><span style=\"font-weight: 400;\">, through optimal use of bandwidth that produces a system with no disconnection failures, as well as better support for users.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">They also <\/span><b>increase privacy and anonymity<\/b><span style=\"font-weight: 400;\">. On a central server, it is difficult to ensure privacy, whereas by using P2P architecture users can avoid giving information to third parties.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><p><a href=\"https:\/\/yeeply.com\/en\/landing\/download-ebook-apps\/\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/yeeply.com\/en\/wp-content\/uploads\/2020\/04\/CTA_YEEPLY_Guia_APP_EN.jpg\" alt=\"Ebook 1 App Descarga\" \/><\/a><\/p><\/span><\/p>\n<h2><span id=\"Examples\" style=\"font-weight: 400;\">Examples of P2P applications\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">57% of adults aged 50+ have ever used P2P payment services such as <\/span><b>PayPal, Venmo, and Zelle<\/b><span style=\"font-weight: 400;\">, but only 15% of these use them regularly.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, among adults aged 18-49, 84% use digital payment <\/span><a href=\"https:\/\/yeeply.com\/en\/blog\/7-revealed-secrets-of-famous-app-businesses\/\"><span style=\"font-weight: 400;\">applications<\/span><\/a><span style=\"font-weight: 400;\">, and 28% of these users do so frequently.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>PayPal, Square Cash and Venmo<\/b><span style=\"font-weight: 400;\"> focus on sending funds between users and are popular for both casual and commercial transactions.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Google Pay and Apple Pay Cash<\/b><span style=\"font-weight: 400;\"> can be used to make person-to-person payments or send money to a user&#8217;s contacts. Apple&#8217;s iMessage messaging service iMessage supports Apple Pay Cash and allows its users to send funds directly from a text chat.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Facebook<\/b><span style=\"font-weight: 400;\"> has also started experimenting with P2P payments with its own chat app, Facebook Messenger, apparently inspired by WeChat and Line.\u00a0<\/span><\/li>\n<\/ul>\n<figure id=\"attachment_13057\" aria-describedby=\"caption-attachment-13057\" style=\"width: 640px\" class=\"wp-caption alignnone\"><img fetchpriority=\"high\" decoding=\"async\" class=\"wp-image-13057 size-full\" src=\"https:\/\/yeeply.com\/en\/wp-content\/uploads\/2021\/08\/paying_by_phone.jpg\" alt=\"Paying by mobile phone\" width=\"640\" height=\"427\" srcset=\"https:\/\/yeeply.com\/en\/wp-content\/uploads\/2021\/08\/paying_by_phone.jpg 640w, https:\/\/yeeply.com\/en\/wp-content\/uploads\/2021\/08\/paying_by_phone-300x200.jpg 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><figcaption id=\"caption-attachment-13057\" class=\"wp-caption-text\">Paying by mobile phone. Source: <a href=\"https:\/\/www.pexels.com\/it-it\/@jack-sparrow\">Pexels<\/a><\/figcaption><\/figure>\n<h2><span id=\"Risks\" style=\"font-weight: 400;\">Risks of P2P payment applications<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Reports suggest that most users, across all age groups, are unaware of the great potential for fraud that can exist in payment apps.<\/span><\/p>\n<p><b>P2P applications are generally safe<\/b><span style=\"font-weight: 400;\"> and the biggest security risk is often not the application code, but the user&#8217;s failure to take adequate measures to protect their information.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">53% of respondents said they had used P2P to pay for an item purchased online from someone they did not know, and 52% did not know that P2P payments cannot usually be reclaimed if they turn out to be incorrect or fraudulent.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">?\u00a0 You may be interested in <\/span><a href=\"https:\/\/yeeply.com\/en\/blog\/blockchain-impact-marketing-world\/\"><i><span style=\"font-weight: 400;\">Blockchain\u2019s Possible Impact on Marketing<\/span><\/i><\/a><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The main risks we face are <\/span><b>falling victim to identity theft<\/b><span style=\"font-weight: 400;\"> or accidentally sending money to the wrong person if we are not careful.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Many P2P providers, to avoid mishaps, take certain precautions, ranging from passwords to <\/span><b>notifications confirming that users have actually transferred the money<\/b><span style=\"font-weight: 400;\">. But as users, we can also take action:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Use a unique password: You should <\/span><b>avoid using the same password <\/b><span style=\"font-weight: 400;\">for more than one service and use a combination of numbers, upper and lower case letters, and symbols.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Enable email notifications: so that an email is sent to you every time money is sent from your account.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Send money only to people you know. Many peer-to-peer transactions are <\/span><b>instant and irreversible<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Keep your application up to date. If you have old software, you will be missing the latest <\/span><a href=\"https:\/\/yeeply.com\/en\/blog\/cybersecurity-for-startups-guide\/\"><span style=\"font-weight: 400;\">security<\/span><\/a><span style=\"font-weight: 400;\"> patches.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Conclusion<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Many smartphone banking P2P apps already support P2P payment functionality. This new way of making bank transfers makes these transactions <\/span><b>much faster and more efficien<\/b><span style=\"font-weight: 400;\">t than traditional models and cheaper for their users.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These apps existed before COVID, but because of the pandemic&#8217;s fear of using physical money for contagion, this type of payment has become commonplace for all age groups.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These applications have become so commonplace that some banks have already been conducting tests in their corporate centers to incorporate facial recognition payments.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Although this is a promising development, there is still a lot to be developed and defined, especially in terms of security and privacy issues.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">One thing that P2P applications must emphasise is the <\/span><b>protection of their users.<\/b><span style=\"font-weight: 400;\"> It is often very difficult for consumers who read the agreements to understand their rights and obligations in case of financial error or fraud.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some P2P applications try to mediate a dispute, but will not refund money if they cannot negotiate a settlement with the other party. Other banking or credit card services are available to help victims of fraud, but there is no guarantee of success.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Many argue that the Consumer Financial Protection Bureau should extend the protections of the Electronic Fund Transfer Act so that <\/span><b>users of P2P applications are protected from unauthorised transactions and fraud<\/b><span style=\"font-weight: 400;\">.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ultimately, <\/span><b>systems and controls must be constantly improved<\/b><span style=\"font-weight: 400;\"> to help prevent, detect and report fraudulent use of these applications.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><p><a href=\"https:\/\/yeeply.com\/en\/mobile-app-development\/?rel=EN-BP-proyecto-app#publish-project\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/yeeply.com\/en\/wp-content\/uploads\/2020\/04\/EN_proyecto-app_blog-post_B.png\" alt=\"Proyecto App\" width=\"620\" height=\"253\" \/><\/a><\/p><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bizum (Spain) or PayPal are P2P apps that you have probably used at some point. These are P2P payments that allow you to transfer money &#8230;<\/p>\n","protected":false},"author":2,"featured_media":13058,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_uag_custom_page_level_css":"","footnotes":""},"categories":[24],"tags":[],"class_list":["post-13056","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mobile-app-development"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>P2P apps for payments: the new opportunity to pay<\/title>\n<meta name=\"description\" content=\"New P2P apps for payments allow you to transfer money between people and pay easily. 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