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Mobile payment will start in the second half, and the double-strong pattern will become a "three-nation kill"? Recently, with the release of China UnionPay standard QR code, the domestic mobile payment dispute has once again entered a new stage of deep layout. The “two strong†pattern of Alipay and WeChat in the mobile payment market has set off a new wave of turmoil, and the desire of traditional financial institutions to divide this cake has become stronger. Although in the domestic market, UnionPay has not taken the lead in 2D code payment as a latecomer, UnionPay still has a lot to offer in overseas markets.
In fact, a new round of mobile payment is bound to focus on overseas markets. The rapid development of China's mobile payment market has made the “æªæžœä»â€ people particularly emotional, and some people even praised that online shopping, high-speed rail, mobile payment, and shared bicycles can be called China's new four inventions. It can be seen that mobile payments have spread throughout everyone's life.
Mobile payment welcomes "three countries kill"
Alipay and WeChat payment ushered in a rival. Recently, China UnionPay and more than 40 commercial banks launched UnionPay cloud flash payment QR code products, cardholders through the bank APP can achieve UnionPay cloud flash payment scan code payment. Prior to this, UnionPay launched NFC to enter the mobile payment market, but the results were not satisfactory. UnionPay hopes to reverse its unfavorable situation in the mobile payment battlefield.
The quarterly monitoring report of China's third-party payment mobile payment market (4th quarter of 2016) released by Analysys shows that in the mobile payment market, the market share of both Alipay and Tenpay, represented by WeChat payment, reached 91.12. %, occupying an absolute dominant position, while UnionPay is 0.83%.
However, on the whole, the competitiveness of the UnionPay's two-dimensional code can not be underestimated, and the offline scanning code payment market is indeed likely to usher in a new change. Ge Huayong, chairman of China UnionPay, said that for merchants, UnionPay standard QR code products provide more payment portals to facilitate direct interaction between merchants and cardholders; for cardholders, UnionPay standard QR codes The product offers more payment options to effectively meet the needs of more convenient and safe and secure payment.
Previously, UnionPay and banks have begun to promote QR code payment separately. UnionPay released the UnionPay QR code payment standard at the end of last year, and users can use the payment code function to make offline payment in the “UnionPay Wallet†app. ICBC also officially launched QR code payment products in July last year, becoming the first commercial bank in China with two-dimensional code payment products. In November last year, Bank of Communications launched the “Standard Pay†function, jointly developed with China UnionPay for merchants. And personal QR code payment products; in April this year, China Merchants Bank App officially released the QR code payment function, becoming the first bank to fully support UnionPay QR code payment.
A new round of mobile payment has infiltrated into the college entrance examination just past. Mobile payment, the product of the Internet era, has become the "Chinese keyword" in the essay topic. This can be said to be the most accurate and high-speed for the rapidly expanding mobile payment market. Generalization. Alipay, WeChat Payment and UnionPay are all accelerating overseas deployment.
Alipay's cross-border offline business is one of the global business of Ant Financial. At present, in 25 countries and regions such as Europe, America, Japan, South Korea, Southeast Asia, Hong Kong, Macao and Taiwan, Alipay has access to more than 120,000 overseas offline merchant stores, covering catering, supermarkets, department stores, convenience stores, duty-free shops, theme parks, Nearly all the eating and drinking consumption scenes such as overseas airports and tax refunds.
As of May 2017, WeChat Payment has conducted compliance assessments for 19 countries and regions, and has officially landed in 15 countries. The latest entry country is the United States, which supports direct settlement of over 12 foreign currencies.
The UnionPay cloud flash payment QR code payment will also be launched in Thailand, Indonesia, Australia and other Chinese tourists. Previously, the NFC non-connected payment supported by UnionPay cloud flash payment has been accepted by nearly 500,000 POS terminals in overseas markets such as Hong Kong, Macao, Taiwan, Singapore, Malaysia, Australia, Canada, Russia, and the United Arab Emirates. Consumers can directly “swipe†mobile phones. Pay.
Offline scene expansion is the key battle for mobile payment in the future. It is a technical dispute and a battle for the scene. Whether it is Alipay or WeChat wallet, or a variety of pay, it is a financial tool, people use it to carry out various kinds of transactions in the market, however, financial instruments need cost for the operation of funds, these companies originally developed Users do not impose restrictions, but as users increase, costs are increasing, and WeChat and Alipay have begun to charge fees. For these companies, depositing is just the first step, and constantly increasing the consumption channel is a further manifestation of its improved ecosystem.