Mobile payment, that is to say through your smartphone equipped with NFC technology, is gradually becoming more democratic in France. This device, having made its debut in 2015, currently represents 4.6% of contactless bank card transactions. Its use is, unsurprisingly, much more widespread among people under 35, who tend to quickly fall in love with this kind of innovative technology.
Indeed, 29% of them say they regularly use mobile payment, i.e. twice as many as the general population. The payments thus made relate to amounts amounting on average to 21 euros, while the average payment by contactless is 16 euros, as reported by our colleagues from MoneyVox.
In recent times, the rate of contactless payment fraud in general has increased, warns the OSMP, an organization attached to the Banque de France. Indeed, in the first half of 2022, the rate in question increased to 0.016%, compared to 0.013% in 2021. This is where mobile payment comes into play: indeed, we are witnessing an increase in cases of theft and theft of digital bank cards from digital “wallets” that allow you to make these payments through your smartphone.
The Apple Pay “wallet” is also the very first concerned. The banks would be partially at fault: indeed, the protection and authentication devices linked to the addition of a new card in its digital wallet leave something to be desired. The OSMP has therefore announced that it will encourage the banks in question to respect the strongest security criteria for this type of procedure.
