Thankyü renews tip
A new application associated with a payment service has just emerged in the UK. Named Thankyü, the service is first and foremost presented as a way to revolutionize tips thanks to mobile payments and the equipment of the recipients of a connected bracelet. But donations and more generally small receipts are also involved.
FACTS
- Thankyü is a payment platform between individuals based on an application as well as TipTap connected bracelets or a QR Personal code for cashing payments.
- In concrete terms, people wishing to receive small payments can now facilitate their experience in just a few steps:
- they must first download the Thankyü application,
- they will then have to link it to their bank account to receive the payments,
- They will then be able to order a attached TipTap bracelet to collect payments (bracelet offered to the first 1,000 people downloading the app, then billed 9,95 pounds), or use a custom QR Code.
- Customers are invited to bring their smartphone closer to the bracelet to the people they wish to pay money to or flash their QR Personal Code. They are then redirected to a web page to determine the amount they want to pay before validating their payment by card or via Apple or Google Pay.
- Thankyü's basic offer is presented as free, only transaction fees are applied up to 5%.
- In addition to this offer, Thankyü also directly addresses charities and other companies with specific and adapted solutions.
- The offer is available in a personal capacity, but Thankyü also adapts its service to the company level (to centralize and manage tips, thus facilitating the distribution of earnings and improving transparency within the group) or to associations to help them collect donations more easily.
ISSUES
- A solution supported by big names : Thankyü is supported by Viva Wallet and MasterCard.
- Pallet species disappearance : With the explosion of digital services, the share of cash in the volume of payments increased from 62% in 2006 to 40% in 2016, according to a report published by the UK Treasury in 2018 on the basis of data highlighted by UK Finance. And the trend has become even stronger over the years, while the use of species in the United Kingdom has continued to increase. decrease, representing only 12% of transactions in 2023, compared to 14% the previous year.
PERSPECTIVE
- Adapting the payment of tips to the increasingly digital context of exchanges is currently, and for several years now, a problem that various actors have tried to provide various answers. Thankyü is now a new demonstration, while in 2012 it was already the American company DipJar that proposed a terminal dedicated to tip payments.
Later, in 2014, it was the American startup Tip.ly that addressed service industry providers, as well as their customers, with an application combining facial recognition and geolocation to facilitate tip payments. In France, Yavin integrated an application dedicated to tips to its TPEs in 2021 before BNP Paribas interested a few weeks later.
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