Someone joked that nowadays, going out shopping, without a wallet, or even with a bank card, as long as a mobile phone is enough. Before the "Internet team" Alipay, WeChat payment, followed by "mobile phone team" Apple payment, Samsung payment, Huawei payment and Xiaomi payment, now UnionPay, the bank has also entered the "shared food", mobile payment The Warring States era, in which the market was divided into groups, opened.
Fruit stalls and food stalls are all placed on the QR code.
On the morning of the 5th, Xiao Cheng took a taxi from home to work, and the price displayed on the taxi meter was 16.9 yuan. However, when she opened the wallet, she discovered that she had no change, and only one hundred dollar bills remained. "One hundred pieces I can not find, pay with WeChat." Brother opened the phone, find out their WeChat collection code, handed it to the small process. Scan code, pay, do not need a minute, Xiao Cheng will pay the taxi fare.
At 12 o'clock in the afternoon, in a supermarket on the Seventh Road, many citizens are buying goods, and on the cash register, Alipay, WeChat payment, Apple payment and other signs are arranged in order for the public to choose. Xiao Cheng bought a box of rice and prepared to bring it back to the office. At the time of payment, she habitually opened the Alipay, and after the scan code was paid, she took the lunch.
At 5 o'clock in the afternoon, when the small trip came to work through the shadowless Shanxi Road, the night market has already opened. Xiao Cheng is going to buy some fruit to take home. She saw a printed two-dimensional code pattern on several fruit stalls at the intersection. It can scan the code directly at checkout. A few food stalls on the side also bear the printed payment code, and some of the booths are also posted two, Alipay and WeChat.
After a long day, Xiao Cheng did not use cash or bank cards, but completed all transactions. "Now, in my wallet, there may be only two or three hundred dollars, and sometimes it will not be taken out for several days," Xiao Cheng said.
For Lao Zhang, who is a meat clipper, he recently learned to play WeChat, in order to facilitate the transfer of customers. "The stalls have to keep up with the times." Lao Zhang scratched his head. "I also listened to what the customer said about WeChat payment, and then went back to let my son teach me to open WeChat." Lao Zhang said that several people near him The booth has Alipay or WeChat to pay the QR code. If there is no one, it will be out of date.
Apple Pay did not meet expectations and did not block Huawei and Xiaomi’s admission.
In fact, Alipay and WeChat have been laid out for many years, and mobile payment has long been new. However, this market still has great potential, and many people are eager to take a share.
In July 2016, Apple CEO Tim Cook revealed that 75% of non-contact payments in the United States are currently completed through Apple Pay. However, after nearly a year of testing, Apple Pay's performance in China is not satisfactory.
"Binded, but never used." Xiao Cheng said. When Apple Pay first entered the Chinese market in March last year, the love of the new small team was bound for the first time. “When I went out shopping, I once tried to try Apple Pay. As a result, the merchant said that their POS machine does not support it. Plus Alipay often has discounts and is used to it. I have never used Apple Pay in the future.â€
A cashier at a supermarket said that it is rare for customers to pay for Apple Pay. “Apple Pay had a special offer at Christmas time, but it didn’t attract the interest of customers. The customers who used Alipay were the most,†she said.
Although Apple Pay's performance was not satisfactory, it did not block the pace of Samsung, Huawei and Xiaomi. After Apple Pay entered the Chinese market, Samsung, Huawei and Xiaomi launched their own "Pay".
"These mobile payment methods have certain requirements on the device. This payment function called 'Cloud Flash Pay' requires the support of the POS machine with contactless payment function, and the promotion degree of this POS machine is not as expected. High, some businesses need to replace new POS machines, so many merchants are not active, and indirectly affect consumers." Industry insiders believe.
UnionPay, the bank has successively entered the game to recover lost ground or another plan
UnionPay and various mobile phone manufacturers launched various "Pay" progress is not smooth, but UnionPay has not died down. On December 12, 2016, China UnionPay officially launched the UnionPay QR code payment standard, and “killed†the QR code payment market.
Under the premise that Alipay and WeChat occupy the majority of the market share, how much wave of UnionPay's QR code payment can be set off? According to a member of UnionPay who did not want to be named, UnionPay's QR code payment product is cloud flash payment. As part of the Alipay and WeChat, UnionPay products will have greater security in terms of security. "There should be some action in the first half of this year, including the deployment of offline equipment and various promotional activities," the staff member said.
UnionPay has been operating frequently, and the banking system that has always been advancing and retreating with UnionPay has not been idle. Many banks such as ICBC and China Construction Bank have launched two-dimensional code payment to compete for the “big cake†in the mobile payment market.
Chen Hua, director of the Institute of Contemporary Finance at Shandong University of Finance and Economics, believes that it is not a bad thing for UnionPay and banks to enter the mobile payment market. It will increase market competition and survive the fittest, benefiting consumers. "For traditional banks, customer losses have been severe in recent years, and they will die if they don't transform. But Alipay and WeChat users have formed a habit. If banks want to grab the market, they must provide better services, safe, convenient, and low-cost." Chen Hua said.
In addition, Chen Hua also said that in the past, large loans and small loans, banks pay the same amount, so many banks are not willing to do small loans, and through mobile payment data, banks can grasp the user's revenue and expenditure records, If you make a small loan, you will have more information. Banks have introduced mobile payments, and perhaps there are also considerations in this regard.
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