December 2018 edition
“The Next Impulse for Digital Switzerland Is the QR-bill.”
Editorial by Markus Beck, Raiffeisen Switzerland
With the possibility of converting a QR-bill into an eBill, the course is set for seamless, digital payment traffic.
eBill – Consistent Customer Focus Is Indispensable
Interview with Patrick Graf, PostFinance
Convincing customers, creating benefits, dispelling security concerns and solving trivial process problems – these are the challenges facing banks.
The QR-bill Shows Off Its New Look
The most obvious new feature of the QR-bill is the receipt. In the run-up to the redesign there was intensive discussion with numerous user groups, which culminated in a large-scale consultation procedure in autumn. The period until the first dispatch of QR-bills on 30 June 2020 must be used to make technical adaptations.
Usability Test: QR-bill Impresses
How do consumers react to a stack of QR-bills? Are they easily and intuitively comprehensible or are they confusing and in need of explanation? The user experience tests with several people have shown that the QR-bill with payment part and receipt is easily recognized and understood.
The Do's and Don'ts of the QR-bill
The harmonization of payment traffic has entered the fourth phase with preparations for the introduction of the QR-bill. Payment capability for the QR-bill must be established throughout Switzerland by 30 June 2020.
Data Traffic Between Customer and Bank
The ISO 20022 standard defines uniform elements. At the same time, it permits diverse use cases and variants. This increases both the complexity as well as the diversity. Is this flexibility a blessing or a curse?