A lire sur: http://www.atelier.net/en/trends/articles/b2b-electronic-payments-still-major-drawbacks-adoption-us_426235
By Pierre-Marie Mateo December 12, 2013
By Pierre-Marie Mateo December 12, 2013
Mobile payments are booming in
business-to-customer (B2C) circles, but meanwhile US companies are still
clinging to cheques as their main method of business-to-business (B2B)
payment.
Over 70% of the US companies and
organisations surveyed are having difficulty switching over to
electronic payments. This is the main finding of a report from the
Association for Financial Professionals, the AFP Electronic Payments Survey 2013, published in mid-November in collaboration with J.P. Morgan.
The main reasons given by survey respondents were: difficulty
convincing customers to pay electronically (82%), difficulty convincing
suppliers to accept e-payments (74%), a shortage of IT resources for
implementation (71%), lack of a standard format for remittance
information (70%), and lack of integration between electronic payment
systems and accounting systems (66%). As a result, only 11% of those
organisations today use mobile technology to make payments, and only 32%
are planning to do so during the next three years. Despite a
substantial decrease in use since 2007, the cheque continues to hold its
own, and is still used for half of all B2B transactions.
Electronic payments: easier payments management and greater security
Among organisations that make cross-currency payments, 65%
have now opted to use electronic bank transfers. Some 57% of the
finance directors polled for the survey specifically referred to the
cost savings achieved through this means of payment, while improved cash
forecasting (46%), fraud control (39%) and more efficient
reconciliation (37%) were the other main advantages mentioned.
Meanwhile, the reason why cheques are still the bedrock of national
transactions is perhaps the fact that the format can be now
dematerialised. Imaging of cheques or conversion of cheques to the
Automated Clearing House (ACH)
debits processed by the Federal system have become widespread and in
doing so have served to prolong the life of paper cheques. Meanwhile
just 44% of the firms polled use electronic data interchange (EDI) for
receiving remittance information linked to ACH payments, while 74% use
e-mail and 22% still use the fax machine for such communication.
Information systems in need of an update
US companies overwhelmingly use the Automated Clearing
House system for payments, which facilitates both traditional and
electronic payments. Fully 78% of the companies surveyed have integrated
their ACH systems into their information systems and 73% are set up to
receive payments in automated fashion. However, when it comes to card
payments, the figure is much lower. Less than half the organisations
polled have integrated card payments automatically into their
information systems and scarcely more than a third are today able to
carry out payment reconciliation in their systems. However, even though a
relatively low number of the US organisations responding already use
mobile payments, many are currently assessing whether to introduce
mobile tools over the next three years, 37% of them for reviewing
payments sent or received, the same proportion for reviewing balance and
other payment information, and 36% for approving payments.
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