The payment: a real stake for e-business in France

Dear sir, 

Please find below my contribution to the blog.

Best regards, 

Sébastien Reynal

13FRN-313

The payment: a real stake for e-business in France

Essential element of e-business, it can become a powerful growth factor if is thought well, or an important brake if it is disregarded.

312 billions of turnover and 250 million consumers: such are the impressive figures of the European e-commerce in 2012. France contributes widely to this result with about 120 000 active retail websites and a new created site every 30 minutes. We know nevertheless that this sector has difficulty in reaching its breakeven points. 

This essential element intervenes on various strategic aspects for an e-businessman:

· Fight against the fraud: even if the rate of fraud on the on-line payments fell in 2012 by reaching 0,29 % against 0,34 % in 2011. A mismanagement of the deceitful payments can have heavy consequences on the profitability of a retail website. The double financial impact – i.e. loss of income but also loss of the goods - is strongly penalizing. To fight against the fraud, the tools are compounded of thousand criteria, and it is not necessarily a guaranty of efficiency. A rigorous analysis must be made upstream to the implementation of any strategy of fighting against the fraud that must be regularly questioned according to the evolution of purchasing behaviors.

· Invest the mobile channel: With 1 billion euros of sales on the mobile Internet in France in 2012 (that is a 150 % growth in one year), m-business has already well accentuated its presence. However, the mobile remains a sector to be invested for the most part of e-businessmen who wish to diversify their sales channels. In the universe of the payment, the stake is double: go farther than the simple treatment of the deals stemming from a mobile terminal, and secure at best this terminal.

· Sell on the international stage: To sell its products abroad is a big opportunity which must be not only approached with a logic of maximal security but also with a multicultural approach taking into account consumer habits and on-line payment habits on every market. E-businessmen have to compose with this datum if they want to expand, and must be capable of proposing another solution and domestic solutions of payment, in complement in bankcards to benefit from an optimized rate of conversion.

To fight against the fraud, m-business, the international development, there are so many tools to increase profitability. Accompanied well on the implementation of his solution of payment, e-businessmen can increase significantly their revenue.