Free Essay

Caso Paypal

In: Business and Management

Submitted By Jestape
Words 363
Pages 2
Paypal es un claro éxito de como revolucionar el sector de los pagos del ecommerce.
Seguramente este éxito de PayPal reside en la importante serie de garantías que ofrece el sistema, ya que permite realizar diversas transacciones de dinero en medio de una plataforma en la que se ha puesto un real hincapié en la seguridad de la información de sus usuarios.

La estrategia de Paypal para impactar en el mercado constó de tres fases; en primer lugar, PayPal se centró en la expansión de su servicio entre los usuarios de eBay en USA y, seguidamente, empezar a expandirse en otros sitios internacionales de eBay. Por último, se dedicaron a desarrollar las actividades de PayPal fuera de eBay.

PayPal es un componente vital de la estrategia de crecimiento de eBay. Sin embargo, a su vez, el éxito de PayPal también está estrechamente ligado al éxito de los mercados de eBay.

Visa y MasterCard, las dos compañías que representan la mayoría del volumen de las operaciones con tarjetas de crédito, están estructuradas como asociaciones que son propiedad y están bajo el control de miles de instituciones financieras que comparten la responsabilidad de la emisión de tarjetas y la adquisición de comerciantes, lo que dificulta mucho la innovación y/o cambios en el funcionamento de estas para intentar adaptarse a las nuevas oportunidades que nos va dando la tecnología.

Sin embargo, sí que es cierto que ambas empresas han invertido en nuevas soluciones para la mejora de la seguridad de los pagos con tarjeta online. En 2002 lanzaron “Verified by Visa” y “MasterCard SecureCode” respectivamente, dos sistemas de autentificación doble que solicitaban la introducción de contraseñas a los titulares de tarjetas para compras online.

Aunque con esta solución se gana el factor de la seguridad, en mi opinión personal, el factor comodidad se pierde ya que en Paypal todo resulta mucho más simple. Se trata de pagar mediante una tarjeta con unas coordenadas que a saber si la tienes a mano o con algún código que te envían al móvil y que luego tienes que introducir respecto a la sencillez de Paypal en solo tener que escribir tu correo electrónico y contraseña para pagar.

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