In 2014, millions of users participated in WeChat to grab the red envelope war, and after enjoying the battle of Alipay in the four major banks, they enjoyed the subsidy of several billions of taxis from Ali and Tencent. As the core link in the financial chain, third-party payment is self-evident. The central bank has repeatedly rectified the various chaos in the payment market. In 2014, the domestic third-party payment market has been constantly smouldering, the giants are busy staking, the new entrants are constantly entering the game, the WeChat red envelope raids, the dripping fast on the mobile payment, and the Alipay’s ten-year bill in the circle of friends. With the state-owned banks, the coffers of Alipay can be described as "a colorful", and the "intrusion" of the invisible hand makes the war more uncertain factors. In the future, the payment market will stage a vigorous war, and a new pattern will emerge in five years. First, WeChat payment: let the red envelope fly in the Spring Festival In the Spring Festival of 2013, WeChat red packets spread rapidly, and many netizens who did not use WeChat also joined the camp of red envelopes. WeChat red envelope is an application launched by Tencent's product WeChat on January 27, 2014. The gameplay is simple, and the function can realize red envelope, check and send records and cash withdrawal. According to the monitoring data of Zhongshen.com, in the Spring Festival of 2013, the number of Alipay red envelopes was 1.64 million and the number of Caifutong red envelopes was 200,000. The launch of the WeChat red envelope also greatly stimulated Tencent's share price, making Tencent's market value soared by about HK$64 billion in one day. The popularity of WeChat red envelopes is not only the success of a social product, but also the rise of WeChat payment. WeChat red packets have connected Tencent's bank accounts in just a few days, which has caused users to dispel their concerns about WeChat payment. In the case of financial backing Alipay, Tencent may achieve "curve overtaking" on mobile payments. Second, mobile payment: the burning battle on the entrance competition The price war between the fast taxi and the dip taxi continued from the beginning of the year to the end of the year. The competition between the two is essentially the competition between Ali and Tencent in mobile payments. Since January of this year, the quick and drip has gradually decreased from 10 yuan per subsidy to 3-5, and then gradually subsidized the passenger and driver side to push the taxi platform. According to Analysys International data, as of June this year, the fast taxis accounted for the first place in the domestic taxi app market share with a ratio of 53.57%, followed by Didi. Fast and dripping has burned two to three billion yuan in order to compete for mobile payments. With the $700 million financing of the Drip taxi, the mobile payment market will launch a full price war with sufficient ammunition, and this war of robbing users will continue. Third, two-dimensional code payment: invisible mobile phone shot stop On March 13, 2014, the central bank issued an urgent document, “Comment of the People’s Bank of China Payment and Settlement Department on Suspension of Alipay's Offline Bar Code (Two-Dimensional Code) Payment, etc.), suspending Alipay’s and Tencent’s virtual credit card products, and called There is also a face-to-face payment service such as barcode (two-dimensional code) payment, and Alipay and Tenpay will report the detailed introduction of the product, management system, and operational procedures. There are a lot of risks behind the innovation of QR code payment; if the mobile payment products can't guarantee the security of the funds, the better user experience and market reaction are also no good. However, the central bank used the suspension not to stop, which is also a major reason for the payment of “top wind†after the two-dimensional code such as UnionPay and WeChat. Fourth, fast payment: four big lines to Alipay wearing small shoes On March 22, 2014, after the Industrial and Commercial Bank of China, Agricultural Bank of China, and Bank of China, China Construction Bank successively completed Alipay's fast payment transfer limit. The construction bank's range has been reduced from the original single 50,000 yuan to 5,000 yuan, and no more than 50,000 yuan per month. The amount of ICBC was reduced from the original single 50,000 yuan to 5,000 yuan, and the monthly limit was reduced from 200,000 yuan to 50,000 yuan. The Bank of China and the Agricultural Bank of China reduced the quota from the original single 50,000 yuan to a single 10,000 yuan. Alipay's fast payment quota was lowered, which made the purchase of Yu'ebao, Tmall, and Taobao less convenient. The four major banks' ban on Alipay mainly stems from the fact that most of the funds for the purchase of Yubao are from the bank's demand deposits, while most of the balance Bao investment is bank-deposited deposits; the detailed bills are not only eroding the bank's deposits, but also the bank's current demand. Deposits turn into higher-cost agreement deposits, and banks need to provide more revenue to users. V. Third party payment receipts: 10 companies are punished In March 2014, the documents issued by the central bank imposed penalties on 10 third-party payment companies, including remittance to the world, Epro payment, accompanying payment, Fuyou, Kayou, Haike Rongtong, Shengfutong, Jiefurui. Eight third-party payment companies, including the billing business, stopped adding new and developing new merchants. The two third-party payment institutions, UnionPay Business and Guangdong Jialian, require self-inspection. So far, some of the company's businesses have not been lifted. This round of UnionPay penalties is mainly for the “catch-up†behavior of the third-party payment company's business process. On September 10, the central bank issued a penalty opinion for remittance of the world, Fuyou, Yibao and accompanying four third-party payment companies, requesting them to withdraw from the existing acquiring business of some provinces and cities. Data show that in the first half of 2014, at least 460,000 pos machine merchants violated regulations, close to 6% of all active merchants. The frequent set-up of third-party payment institutions and the development of new merchants will inevitably affect the interests of banks while disrupting the offline acquiring market. In addition to being exposed to the secrets of the industry, another reason for third-party payment agencies to receive tickets is the “cutting machine†behavior of third-party payment agencies. With the slowdown in the issuance of payment licenses, the criteria for application will be more stringent and the rarity of licenses will gradually emerge. 6. Payment institution: Invisible hand punching In April 2014, the China Banking Regulatory Commission issued the Notice of the China Banking Regulatory Commission of the People's Bank of China on Strengthening the Management of Cooperative Business between Commercial Banks and Third-Party Payment Agencies (Yin Jian Fa [2014] No. 10, referred to as Circular 10), and authenticated customers. , transaction limits, claims liability and other aspects have been refined and standardized. Circular 10 requires banks to build secure network channels, establish security boundaries, and prevent third-party agencies from crossing the border. Circular 10 also requires customers to be authenticated by a third-party payment institution, but also through the bank's customer identity, which means that the bank has the opportunity to share customer resources with third-party payments. Circular 10 also stipulates that banks can impose restrictions on the use and opening of third-party payment for fast payment. The CBRC’s severe crackdown on the third-party payment market is mainly due to the chaos in the payment market. The third-party payment institutions frequently set up codes and cut the machine to affect the interests of banks. Third-party payment institutions and commercial banks have private access channels, while third-party payment institutions and banks The escalating contradictions in cooperation have led to the gradual weakening of the status of the UnionPay Absolute Clearing Center and its embarrassing situation. Seven, cross-border payment: Alipay incites cross-border consumption On July 14, 2014, Alipay announced that it has cooperated with Global Blue Alliance, the world's largest shopping tax rebate service system, to launch Alipay wallet tax refund business in Korea, the United Kingdom, France, Germany, Italy, etc., and will cover Switzerland in the future. Merchants in the Netherlands, Spain and other countries, the tax will be paid for the fastest 10 working days. Although some banks also provide overseas tax rebate services, it is difficult to achieve capital advances, so the business cycle is longer. For Alipay, once more users use this function, the amount of funds will continue to expand; plus Alipay relies on the trust of users, the process of capital recovery will inevitably lead to some bad debts, will Alipay be long-term? It will be a problem to withstand it. On the issue of foreign consumption and payment involving foreign exchange, due to the high sensitivity of funds, the relevant regulations at home and abroad are very strict. Although Alipay still faces many difficulties in the overseas tax rebate layout, the tax refund business may also suffer financial losses, but once the market is successfully opened, Alipay can not only break through the development bottleneck of its own Internet finance, but also develop the international acquiring business and cross Environmental payment business. Eight, payment license: 19 companies into the game On July 15, 2014, the central bank issued the fifth batch of third-party payment licenses to 19 companies, including 13 Internet payments, 6 mobile phone payments, and 6 bank card acquiring services. The prepaid card is issued and accepted. 3 homes. The data shows that the central bank issued a fifth batch of third-party payment licenses. On May 18, 2011, 27 units were approved; on August 29, 2011, 13 units were approved; on December 22, 2011, 61 units were approved; On June 27, 2012, 95 units were approved; on July 15, 2014, 19 units were approved; after the issuance of the license, the number of licensed units will increase to 269. Taobao relying on Alipay's secured transaction function has won the trust of users and businesses, and the payment license has played a significant role in improving the trust between network users. Having a payment license not only means that you can earn commissions, but you can also get more payment data, and then conduct user behavior analysis to graft new consumption patterns. Nine, NFC payment: Apple Pay lost On October 17, 2014, iPhone6 ​​was officially launched in the Chinese mainland market, but the Apple Pay service, which Apple’s headman Tim Cook called “will change our payment methodâ€, was not open to Chinese users during the same period. This feature of the iPhone 6 can be seen as an attempt by Apple to enter the banking business. But because of this, this function is difficult to develop in China. It is rumored that Apple has frequently negotiated with China UnionPay and other companies on this function to land in mainland China. Data shows that at present, Google, Samsung, Huawei, Sony, LG, ZTE, Coolpad, Lenovo and other brands have mobile phones to support NFC payment functions. NFC payment has become an important field for many enterprises to compete for, and for merchants, mobile payment is an important tool to increase customer consumption. Since the hardware equipment required for NFC payment is not popularized, NFC payment is difficult to promote widely. In addition, UnionPay, operators, and third-party payments are all preempting the layout of NFC payments. However, due to the lack of application scenarios, the small number of users, and the distribution of benefits in the industry chain, development has stagnated. With the launch of Apple Pay, the NFC payment market is expected to be activated. Ten, Alipay: ten years bills out of domineering On December 8, 2014, Alipay's ten-year statement was announced, mainly consisting of consumption, transfer, repayment, payment, income (balanced treasure and other financial benefits) and other components. The data shows that from the total payment amount of ten years, Guangdong, Zhejiang, Shanghai, Beijing and Jiangsu provinces are among the best, accounting for 15.5%, 12.5%, 9.3%, 9% and 8.8% respectively. From the total number of expenditures in the past ten years, Alipay has provided many functions such as consumer payment, public utility payment, transfer, wealth management, credit card repayment, and international remittance in the ten years since its establishment on December 8, 2004. The number of expenditures was 42.3 billion. Among them, the total number of transactions for life payment, credit card repayment, mobile phone recharge, and transfer of four conveniences was 6 billion. Alipay bills highlight the small town phenomenon and mobile payment to the east and west, and allow Alipay to maintain continuous interaction with users to activate sleeping users. At the same time, it reflects the weight of Alipay in online consumption and lays its third-party payment. In the dominance of the dominant position, attracting more partners with large data streams and channel sinking.
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