In the past, the “May 1st†holiday, taking out the mobile phone “sweeping†to complete the travel consumption, has gradually become a payment option that people are used to.
Alipay recently released the “May 1 Travel Consumption†data. During the “May 1st†period, more than 42 million people used Alipay to travel, and the number of overseas transactions of users reached 3 times that of the same period last year. Regardless of domestic or outbound travel, mobile payments are accelerating the trend of people's travel consumption.
From cash consumption to bank cards to mobile payments today, cashless is a major trend in global financial development. Yuan Leiming, vice president of Ant Financial Group, admits that if the development of electronic payment along the POS machine in developed countries is followed, it may be difficult to catch up with the cashless process in developed countries, and mobile payment is profoundly changing the pattern of China's payment industry. The opportunity to "change the road to overtake" has given birth to more cashless bonuses.
"Sweeping" to accelerate the landing of Pratt & Whitney
The China Payment and Clearing Industry Operation Report (2017) released by the China Payment and Clearing Association recently showed that in 2016, domestic commercial banks handled a total of 25.710 billion mobile payment services, amounting to 157.55 trillion yuan, an increase of 85.82% and 45.59% respectively. China's mobile payment industry has continued its rapid development.
The development of mobile payment in China is unstoppable. In recent years, relying on Alipay and WeChat payment, scan code payment has become the preferred mobile payment method for consumers, and has become the main force to promote cashless consumption.
Yuan Leiming believes that scan code payment is a tool that reflects the spirit of inclusive finance. On the one hand, for small-scale, high-frequency business scenarios, transaction costs can be effectively reduced, and small and micro-businesses can meet the zero-threshold, zero-cost e-commerce needs.
On the other hand, the popularity of mobile payments can maximize the level of inclusive financial services in remote areas and rural areas. Some experts in the payment industry said that mobile payment has the characteristics of diminishing marginal cost, low cost and high efficiency. With the increasing and rapid growth of mobile Internet users in rural areas of China, mobile payment has become the “last mile†of rural financial services. A powerful means. Even in backward areas and vulnerable groups, as long as the mobile phone is turned on, various financial needs such as payment, transfer, and wealth management can be completed, which reduces the lack of financial outlets.
"Payment +" drives credit upgrade
In fact, as a low-level technology, payment can also be developed based on a lot of capabilities based on payment. While mobile payment brings convenience consumption and stimulates inclusive financial demand, its accumulated massive data is also a credit wealth.
Cashless consumption can accumulate personal credit data and enjoy the convenience of “creditâ€. The big data generated by the mobile payment platform helps to establish a credit score history. Separation of Sesame Credits provides a new way of credit evaluation by reviewing users' credit history, financial behavior, performance of contractual capabilities, identity, and social networks. For example, the 9 shared bicycles such as ofo Xiaohuangqi, Xiaolan Bicycle and Yonganxing cooperated with Sesame Credit to carry out “credit exemptionâ€, which directly saved the people a deposit fee.
In addition, the accumulated credit data of mobile payments can also provide better financial credit support for more offline small and micro businesses. For a long time, small and micro enterprises have difficulty in financing and financing because of their lack of effective collateral and collateral. However, traditional financial instruments have to raise the threshold for loan access due to insufficient information collection and processing capabilities.
Some experts in the industry said that the high cost of credit reporting is the crux of the difficulty of solving the financing problems of domestic SMEs. The emergence of mobile payment, through the scan code to record every transaction of each small micro-business, in order to gradually accumulate credit data, for those small micro-enterprises that did not have credit data to establish a credit system, so as to solve their loan difficulties The problem offers more possibilities.
In this sense, mobile payment is more than just a payment tool, but has actually turned into a credit output. Zhang Shigang, the UNEP representative in China, said that the use of mobile payments in the entire financial sector can accumulate credit for each user, help build a credit society, and provide more feasibility for sustainable development in the future. A new solution.
Open help scene finance
In fact, China's mobile payment is in a leading position in terms of scale, but there is still a gap compared with developed countries in terms of the ratio of cashless penetration. Sun Lei, CEO of Yanfu Group, said that although China's financial technology is in a leading position in terms of scale, it still needs to be strengthened in terms of technology and concentration. Therefore, while stabilizing the “quantity†of the domestic mobile payment market, it is also necessary to achieve “quality†improvement.
The payment itself is a connection to the real identity, and this connection also communicates directly with the scene. It can be said that mobile payment has spawned the birth of scene finance, and the richness and perfection of scene finance also highlights the in-depth development of financial technology.
Yuan Leiming believes that based on mobile payment, with “payment + financial intelligence†as a means, financial institutions, enterprises and consumers can be provided with better scenario financial services in addition to payment. Whether it is the accumulation of big data behind payment, portraying consumer portraits, or digital technologies such as cloud computing management and order management in the background, multi-dimensional opening based on mobile payment can promote the common prosperity of business ecology.
In the context of the popularity of mobile intelligent terminals, the mobile Internet has blurred the boundaries of financial, commercial, and consumer scenarios, and the penetration of finance into various industries has become increasingly apparent. The development of mobile finance with mobile payment has begun to merge with multiple physical industries. .
Consumers with different identity traits, because different life needs will produce consumer behavior in various scenarios. Relying on mobile payment to promote “mobile finance+â€, providing personalized financial service solutions based on each scenario, reducing the funding threshold for goods and services purchases, enabling more consumer demand to be stimulated and contributing to the development of more value-added service.
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