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ไม่เพียงแต่เงินสด บัตรเครดิต เอทีเอ็ม และเช็คที่เป็นสัญลักษณ์ของการจับจ่ายใช้สอยสินค้าและบริการให้กับคนทั่วไป แต่วันนี้...โทรศัพท์มือถือ คืออีกหนึ่งเครื่องมือสำคัญสำหรับการเป็นกระเป๋าเงินได้ด้วย

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ภาพที่เห็นเธอหยิบโทรศัพท์มือถือในกระเป๋าสะพายใบเก๋ที่อวดสีสันของมันแข่งกับเสื้อสีสดของเธอได้ไม่แพ้กัน

เธอกดๆ จิ้มๆ ลงบนแป้นโทรศัพท์สองสามนาที เมื่อพนักงานพยักหน้าตอบรับ เธอก็เดินออกจากร้านพร้อมกาแฟร้อนทิ้งคำถามคาใจให้คนที่ต่อคิวได้ขบคิดอยู่ในใจว่า "ฉันจะทำแบบเธอได้ไหม แค่กดๆ จิ้มๆ ก็เหมือนใช้โทรศัพท์มือถือจ่ายค่าน้ำ ค่านม แทนเงินสดได้ หากทำได้ ฉันจะทำได้อย่างไร"

ทรูคาเฟ่คงเป็นเพียงตัวอย่างหนึ่งของร้านค้าที่รับจ่ายค่าสินค้าและบริการของทางร้าน ผ่านทางโทรศัพท์มือถือที่ถูกตั้งชื่อให้คุ้นหูว่า กระเป๋าเงินในโทรศัพท์มือถือ นอกเหนือจากร้านค้าอื่นๆ ในหลากหลายสถานที่ อาทิ ร้านขายเสื้อผ้าในจตุจักร และการรับจ่ายค่าบริการรายเดือนต่างๆ ของทรูเอง หลังจากเมื่อหลายเดือนก่อน ทรู คอร์ปอเรชั่น จำกัด (มหาชน) เปิดตัวบริการกระเป๋าเงินในโทรศัพท์มือถือที่เรียกว่า "ทรูมันนี่" หรือ "True Money Service" ออกมา

บริการ True Money Service ที่ว่านี้ ถือเป็นอีกหนึ่งปรากฏการณ์ของการใช้จ่ายเงินผ่านระบบโทรศัพท์มือถือที่เรียก ว่า Mobile Payment ที่จับต้องได้ง่ายยิ่งขึ้น เพราะให้สิทธิ์คนใช้โทรศัพท์ของตัวเองเป็นที่กักเก็บตัวเลขเงินเอาไว้ ไม่นับรวมการกักเก็บตัวเลขเงินเอาไว้ใช้เป็นค่าโทรศัพท์ออกเหมือนกับโทรศัพท ์มือถือระบบพรีเพดหรือระบบเติมเงิน โดยตัวเลขจำนวนเงินที่กักเอาไว้ใช้เป็นกระเป๋า เจ้าของสามารถใช้แทนเงินสดในการจ่ายค่าสินค้าและบริการตามร้านค้าที่ร่วมโครงการได้นั่นเอง

เริ่มแรกคนใช้โทรศัพท์มือถือของค่าย ทรู ทั้งหน้าเก่าและใหม่ ที่ต้องการใช้บริการกระเป๋าเงินแบบนี้ จำเป็นต้องลงทะเบียนขอใช้บริการที่ศูนย์บริการของทรูเสียก่อน เมื่อทำการลงทะเบียนเรียบร้อยแล้ว จะมองเห็นเมนู True Money หน้าตาแตกต่างกันออกไปตามรุ่นของโทรศัพท์มือถือ

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เมื่อเริ่มใช้งานได้ เมนูในโทรศัพท์มือถือจะกลายเป็นทางลัดสำหรับจ่ายค่าบริการของทรูในเครือทั้ง หมด เช่น ชำระค่าบริการทรูมูฟ แบบรายเดือน, จ่ายค่าทรู ยูบีซี, ค่าอินเทอร์เน็ตความเร็วสูง, ชำระค่าน้ำดื่มและขนมขบเคี้ยวในร้านทรูคาเฟ่ ทรูไลฟ์ ไปจนถึงจ่ายค่าสินค้าจากร้านค้าในจตุจักรและอีกหลายสถานที่ที่ติดสัญลักษณ์รับจ่ายเงินด้วย True Money ไว้หน้าร้าน

ผู้ใช้สามารถเลือกเติมเงิน เข้ากระเป๋าเงินในโทรศัพท์มือถือได้ ทั้งการขูดบัตรเงินสดหรือ Cash Card ของทรูที่มีมูลค่าหลายระดับ ขูดเสร็จก็ใส่รหัสเข้าไปเหมือนกับการเติมเงิน ระบบก็แจ้งเตือนว่าคุณมีเงินคงค้างในกระเป๋าแล้วกี่บาท หรือจะเลือกผูกบัตรเครดิต และบัญชีธนาคารกรุงศรีอยุธยาเข้ากับหมายเลขโทรศัพท์ ทั้งบัตรเครดิตและหมายเลขบัญชีจะทำหน้าที่โอนเงินในจำนวนที่ต้องการตั้งแต่ 50 บาทจนถึง 30,000 บาท เข้ากระเป๋าเงิน เพื่อใช้เป็นเงินสำรองเพื่อใช้จ่ายค่าบริการข้างต้นก็ได้

คุณสมบัติโดดเด่นของ True Money อยู่ที่การเอื้ออำนวยให้คนไม่ต้องพกพาเงินสด หรือใช้จำนวนเงินดังกล่าวแทนเงินสดเพื่อจับจ่ายในช่วงเวลาที่จำเป็น ที่สำคัญคือช่วยลดระยะเวลาในการเดินทางจากบ้านและที่ทำงาน เพื่อไปจ่ายบริการของเครือทรูที่มีมากมาย เพราะสามารถจ่ายหรือซื้อบริการผ่านทางโทรศัพท์มือถือได้ทันทีนั่นเอง

โดย น้ำค้าง ไชยพุฒ http://www.gotomanager.com

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