1.1 Presentation and definition of the online payment market
In 2018, the French spent 90 billion on the Internet [ FEVAD All of these purchases were made possible thanks to online payment solutions, which therefore make it possible to pay and exchange money over the Internet using a computer system.
E-commerce is driven by broadening the offer in Europe and the increase in the number of sites as well as by the development of marketplaces. Faced with this rise in online purchases, there are more and more online payment players and innovation is key to gaining market share. One of the key factors of success in this market is the security of payments to gain the confidence of merchants on the one hand, and private individuals on the other.
European and international competition is intense with players such as Paypal and Amazon Pay that are solidly implanted. Besides.., VISA offers a new system of reloadable smart cards allowing online payment for blocked amounts
Giants like Google and Apple also offer online payment solutions ( Google Pay and Apple Pay ) while fintechs The Banque de France's financial markets, which are sometimes supported by the major French banks, as is the case with Paylib s, are proposing alternative solutions. Among the Sector's start-ups, Lydia posted record growth and already had more than of one million users in 2018 .
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