Payment is the foundation of internet finance. This is more clearly stated in the previous article. Mobile payment is a blue ocean and there are many opportunities. Many companies are now cutting into Internet finance from mobile payments.
This is a popular article on the series of Internet finance. Not much nonsense, directly cut into the theme.
Now, there are several ways to cut into mobile payment: one is to accept POS receipts represented by UnionPay business; the other is, Lacala and other from the C-end, remittance world, money side, etc. from the B-end into the payment market. The third is the wallet products represented by software and APP, including Alipay wallet, Baidu wallet, Google Wallet, Apple PassBook, etc.
The first form of UnionPay business has been in the market for a long time, accounting for 40% of the entire market. Most of the offline POS receipts of large chain stores such as department stores and supermarkets are provided by banks, and many of them are UnionPay businesses. These two types are all tens of millions of merchants. Among them, most offline POS machines with high deduction rates are provided by banks and UnionPay.
Now, some medium-sized banks are rushing to grab the order in the acquiring market, such as Minsheng Bank and Ping An Bank. They often give some valuable merchants, chain owners super free or low-priced POS access, and then get these customers. Their purpose is not to make money by paying, but to pay, to understand the business information of each merchant, and then to give loans. These free or low-cost POS payment terminals are also the guiding tools in the Internet.
For the second type of enterprise, it is necessary to independently find its own positioning and growth space. Lakara uses convenient payment terminals. At present, there are hundreds of thousands of domestic ones, and its target is 1 million payment outlets. Its earliest positioning was the convenience payment of the public. The main focus was on water and electricity coal payment and credit card repayment. Later, based on this, it established its own payment channels and outlets, and accumulated a large number of users.
And such as fast money, remittance world, money side, etc. also have some cut from POS hardware, but also accumulated 100,000 to 1 million customers. Zhonghua believes that with the development of no card payment and payment wallet, these forms of payment based on hardware will be greatly affected. In the future, virtual wallet payment will become the trend of the times.
Alipay wallet is the APP that is seen on mobile phones and tablets. This is the layout of Alipay on mobile terminals. Below the beginning of 2013, Alipay is fully developing its mobile payment, because WeChat has obtained the ticket on the mobile Internet, and its 5.0 WeChat payment function has also brought a big impact to Alipay.
These wallet products include functions such as transfer, remittance, and water, electricity, and coal payment. Unlike the PC, the wallet has more LBS functions and knows the user's geographic location information, which enables more accurate marketing. For example, the wallet is connected to the merchant's coupons, promotions and other information. When the user opens the wallet, they can receive the electronic coupon and become a member of a certain merchant. The electronic version is more convenient than the paper promotion information.
At present, Ali, Baidu, Tencent, Jingdong, Suning and other companies make wallets, which are ideal services for their platforms. Alipay wallet is a tool for Ali into the mobile Internet, and Baidu wallet is a tool for Baidu map to access various O2O services and complete payment online. Tencent, Jingdong, and Suning are all making payments more convenient for users.
From a cost perspective, the cost of a wallet-based product is relatively low, and the marginal cost is getting smaller and smaller, and can be ignored in the end. The cost of moving the mobile payment market through hardware is very high. The cost of each POS terminal is as small as several hundred, and thousands or thousands. This is a small expense for small and micro businesses. For companies that lay offline POS terminals, it may also be a big investment. Because, in the next 5 to 10 years, offline POS terminals are likely to be eliminated, replaced by payment wallets and virtual payments.
From a market perspective, China's market is large and the user hierarchy will be more complicated. Chinatown believes that when these are the mainstream of consumption after the 80s and 90s, the application of payment wallets can really rise. With the third and fourth lines, as well as the vast township market, with the rise of available thousands of smart terminals, the development speed of payment wallets is likely to exceed accidents.
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