Western Union Survey Reveals Increasing Consumer Adoption of Mobile Technologies for Bill Payments
25 3월 2013 - 9:00PM
Business Wire
The Western Union Company (NYSE: WU), a leader in global payment
services, today released findings from the Western Union® Payments
Money Mindset Index, providing a revealing look at consumer
migration to new bill payment technologies.
The survey found that consumer preference for online and mobile
bill payments continues to grow, with 39 percent of consumers in
the United States saying they will pay more bills online in 2013,
and 12 percent intending to pay more bills by mobile phone.
Mobile adoption for urgent, same-day payments is also on the
rise: 14 percent of consumers report that they will make an urgent
payment via their mobile device in the next six months.
Furthermore, 25 percent of consumers report that they will send
fewer checks in the mail to pay their bills.
“Consumers are increasingly looking for new ways to manage their
bills, which points to the need for continued innovation by service
providers across the payments industry,” said David Shapiro, senior
vice president, Payments, Western Union. “Less than one-third of
payments occur via non-electronic channels, and consumers continue
to use a mix of payment methods that provide enhanced choice,
flexibility, control and convenience around their lifestyles and
cash flow.”
Bill Payment Landscape
The Money Mindset Index also reveals the mix of channels
consumers are using to pay their bills, as they continue to seek
choice and flexibility in their payment options:
- 46.5 percent of bills are paid via a
biller, bank or credit union website;
- 20.2 percent of bills are paid via
mail;
- 19.6 percent of bills are paid via an
automatic deduction or recurring payment;
- 8.7 percent of bills are paid in-person
at a walk-in location;
- 3 percent of bills are paid via a
landline phone; and
- 2 percent of bills are paid via mobile
phone.
Bill Payment Strategies
Consumer approach to bill payments will continue to evolve in
2013. According to the Money Mindset Index, consumers will revisit
how they make and organize their bill payments, with 26 percent
indicating they will set new priorities for which bills get paid
first. Additionally, 15 percent of consumers said they will wait
longer to pay their bills.
“Western Union understands that consumers are seeking new bill
payment options, and we are providing solutions to market through a
multi-product, multi-channel strategy,” said Shapiro. “As an
organization, we assist billers in delivering innovative payment
alternatives to their customers, including mobile, SMS and mobile
web, as well as walk-in, phone and online payment services, so
billers can stay ahead of evolving consumer demand.”
Survey Methodology
The Western Union Payments Money Mindset Index, conducted by
Javelin Strategy & Research, has a margin of error of 1.76
percentage points and was conducted in December 2012 with 3,002
respondents. The random sample survey targeted online respondents
based on representative proportions of geography, gender, age,
income, and ethnicity as compared to the overall U.S. population.
Consumer bill payment channel mix in the United States is based on
Western Union market research, July 2012.
For more information on Western Union Payments,
visit http://payments.westernunion.com.
About Western Union
The Western Union Company (NYSE: WU) is a leader in global
payment services. Together with its Vigo, Orlandi Valuta, Pago
Facil and Western Union Business Solutions branded payment
services, Western Union provides consumers and businesses with
fast, reliable and convenient ways to send and receive money around
the world, to send payments and to purchase money orders. As of
December 31 2012, the Western Union, Vigo and Orlandi Valuta
branded services were offered through a combined network of
approximately 510,000 agent locations in 200 countries and
territories. In 2012, The Western Union Company completed 231
million consumer-to-consumer transactions worldwide, moving $79
billion of principal between consumers, and 432 million business
payments. For more information, visit www.westernunion.com.
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