In 2017, the days of third-party payment agencies were not good. The penalties and heavyweight policies from the regulatory agencies have come together, and traditional financial institutions such as UnionPay have also entered strongly. In this context, the innovative payment model, the aggregate payment, has been favored by many industry professionals as a subversive of the payment industry. .
"The People's Bank of China began to implement the classified management of personal bank accounts, which stimulated the innovation vitality of commercial banks. Internet financial institutions with non-bank payment institution licenses actively increased the scope of cooperation with commercial banks' II and III accounts, and cross-border cooperation. The benign industrial ecology continues to evolve, stimulating more payment products and business model innovations." Insiders of China UnionPay pointed out.
However, at present, the aggregate payment industry is in a stage of extensive development, and there are many mixed industries. In response, the central bank issued two documents (silver payment [2017] No. 14 and Yinfa [2017] No. 45) in the first month of this year to regulate the development of aggregate payment. Various localities have launched rectification of illegal aggregate payment companies, of which 32 aggregate payment companies are on the list.
Aggregate payment, we still choose to clear the channel to be assured. And we learned that Yunfu started early, is the leading brand of aggregate payment, for the “nationally issued payment license standard clear channel†to ensure that the credit card funds are absolutely safe, the channels are: UnionPay, WeChat Tenpay, Alipay. Moreover, Yunfu adopts the concept of sharing to make money, and users are completely free to install, which has indeed set a benchmark for the industry.
Regarding the prospect of aggregate payment, the above-mentioned insiders of UnionPay said that since the payment business is carried out, it must have corresponding qualifications and licenses. For unlicensed operating institutions, they should return to their own positions and be good at outsourcing. Therefore, in accordance with the regulations of the central bank, it is necessary not to participate in fund clearing, and at the same time, it is not possible to retain sensitive information of merchants. Only by doing this can we ensure the healthy development of the aggregate payment business, otherwise it will have a great uncertainty impact on this market.
In fact, compared to the development experience of third-party payment, payment is only the entrance, and the integrated financial services provided around the payment are the core of the competition. At present, whether it is a third-party payment such as UnionPay, Bank, WeChat/Alipay, or aggregate payment, the operating entities of the entire payment market are exploring extended financial services with payment as the entrance. In the future, the aggregate payment will be deeply invested and paid as the entrance, and the financial services deposited on the platform will be used for the vertical derivative and internationalization of multi-services such as consumer finance, online loans and advertisements.
The above-mentioned insiders of UnionPay said: "The development of the mobile payment market, especially after the two-dimensional code payment is released by the regulatory layer, the growth rate of the mobile payment industry will be more rapid, and the development of the industry will drive the large-scale offline small and medium-sized merchants to mobile payment services. demand."
Sand Clock Glass,Sand Clock,Borosilicate Sand Clock Glass,Triangle Sand Clock Glass
Xi'an ATO International Co., Ltd , https://www.ato2008.com