Apple Pay can be expected in the future, paying the industry three-point world

Apple Pay pays the world in the future or three points, and competes with Alipay and WeChat payment

Today, I want to talk about Apple Pay. At 5 o'clock this morning, many small friends got up early to experience the new Apple Pay service in China. There are a lot of queues to buy Iphone. There are a group of early adopters, and a group of B-party, a circle of friends often The friend actually started to use a screenshot of Apple Pay at 5 o'clock.

First, Apple Pay is very hot, thanks to Apple's high force

The difference between a mobile phone and other products is that the mobile phone is the closest device to the human body. In a sense, the mobile phone and the car key are products that reflect a person's living standards and personal consumption habits. Think about Iphone3 and 4 times. The wind is so popular, think about those selling the kidney party. However, with the tide of smart phones, with the Iphone becoming an arcade, with the decline of Samsung, the mobile phone seems to be no longer a representative of the force, the watch, VR is not too portable and lacks usage scenarios, so despite the mobile phone and I want to go far, but iphone is still a big weapon, especially the latest iphone, which has long been why Qianjin purchasing and queuing to buy (unfortunately domestic mobile phone manufacturers still do not stand out, Xiaomi in the town The youth's high pressure is also reduced due to shipments, but in the big city, Xiaomi is still the representative of the low machine, which is squinted by squinting).

If there is no mobile phone to force what to do, then come to the new technology to install and force, I can't see Apple's new product launch always can be popular, at least in the PR or news on the hot water. Apple Pay's new feature is the first additional online feature, this new feature is not tied to the mobile phone system, unlike the built-in 3D Touch. So it has triggered a craze, part of which is the real digital function enthusiasts to start the experience, more is the "drying" users, such a forced behavior is arrogant of the entire android industry, so you can see why friends Circles, as well as Weibo, know the screenshots of so many users.

Second, Apple Pay is now an electronic credit card, but efficiency optimization is also a huge innovation.

Some media commented that Apple Pay is just an electronic credit card. It can't deposit funds, and it can't generate revenue, so just so so! However, the author believes that this is not the case! Apple Pay is indeed an electronic credit card, but it is an evolution of the function of the mobile phone device that is closest to the human body. In a sense, it optimizes the flow and portability of the credit card. I don’t think you need to bring a credit card at all. If you need a mobile phone, you can travel all over China and the world. You can enter the era of no paper money. (Of course, I have tried Alipay for half a month before, and WeChat has no paper money, which is quite good.) This is a huge efficiency innovation. Efficiency innovation is Apple's good at it, such as the release of iphone, and the evolution of iphone's function after Jobs' death. I can do better than Android's function, and deeper service IOS ecology. This kind of user habit is cultivated with mobile phone ecology. Complement each other, many of my friends can no longer return to android after using ios. Good operation experience and perfect use of ecology are the biggest barriers to entry. The use of functional innovation to users is irreversible.

Third, Apple Pay can be divided into three parts, and firmly tied with UnionPay benefits

The UnionPay, a state-owned enterprise, has controlled the entire banking industry and the credit card industry through government and enterprise means. After the rise of Alipay and WeChat payment, it began to break the back line of the UnionPay, and attempted to enter the offline nesting of the Union’s nest, and the side of the couch was tolerant of others. Sleepy? UnionPay is also actively "suppressed through policy", so it was only before the river was ruled, Alipay was not allowed to enter the banking business and offline credit card business, but still can not stop BAT financial think tanks, UnionPay is not angry, but hit But what should I do? As a result, Apple Pay sent a Dongfeng. Apple Pay completely intervenes in the payment business with the US credit ecology. It just fits the business needs of UnionPay in China, and more importantly, cuts into the most important and most profitable offline card-swapping business. So the two companies are raging and climaxing. It is foreseeable that with the channel of UnionPay and the recommendation of Apple Pay, the coverage will be rapidly expanded, and Alipay and WeChat payment will be a foregone conclusion. Although there are not many iPhone users, it is the backbone of the whole society and the most likely. High-end users who produce performance, so it should not be underestimated, and UnionPay also needs to use Apple to go to the sea and enter the international market. The two companies have their own goals and have become strategic partners, so if Alipay, WeChat and UnionPay No improvement, Apple Pay's development will be faster and faster, not to mention Alipay and WeChat payment continue to affect users for operational and liquidation pressure, Alipay's Wufu activities, WeChat's fee events are disgusting users, this time once The user has a new choice of trust, and the user's lost port is opened.

Fourth, Apple Pay does have nothing to show off now, but in the future there is more imagination.

Apple Pay is indeed a cardless credit card, but Apple has always been good at cultivating user habits and loyalty in the assessment ecosystem. Apple Pay is undoubtedly also cultivating users to use Apple's payment habits. Once the user's habits form other things and revenues, there will be more possibilities, even if it will be natural, and in this mobile era where the transfer cost of users is getting higher and higher, The increase in Apple Pay users and the increase in usage time mean a decrease in WeChat payment and Alipay payment users.

Apple Pay still lacks the real killer against Alipay, but what if Alipay is localized? If Alipay does a quick iteration? Alipay's valuation of more than 40 billion US dollars, Lu Jin's valuation of more than 10 billion US dollars, Lending Club's market value of 3 billion (the initial 5 billion listed) all indicate the prospects of Internet finance and payment, Apple's ecology naturally can not lack this part, then After the user's habits are formed, it is bound to be derivatived in terms of revenue and mode. At this time, the model of learning Alipay and WeChat will naturally appear. The user's fund deposit will of course be logical, so don't worry, it's time to come. Be sure to come back.

5. Apple Pay does have a lot of inconvenience, but the teammates UnionPay and the bank will help him improve the infrastructure.

Apple Pay still has a lot of inconveniences, such as the need to support more than 6 devices, such as the need for hardware pos machine support (currently domestic 22 million POS only 7 million support), such as the need for offline store support, such as Domestic bank cards with passwords also need to enter passwords. It is not fast at all. For example, the system has crashed today. It will never be for a while, and it seems that it has not been fixed yet! However, for the development of its own business, UnionPay is bound to update POS equipment as quickly as possible. Domestically, 18+ major banks have also announced support for Apple Pay, and they are selling on their own WeChat official website. The improvement of hardware system will be reversed. Coming back to Apple Pay's software system, the rapid update of Apple's new devices will also prompt more new users to use Apple Pay. Therefore, with the success of China UnionPay and the major banks, the development of Apple Pay will be much less than the policy resistance of Alipay and WeChat.

Apple Pay still has a lot to go, but the future is already a good one. Although most foreign companies that cooperate with state-owned enterprises do not end well, Apple is an exception. Apple has the most powerful dominance to look at the mobile Unicom Telecom. Well-made, UnionPay is also the same, destined to Apple in the cooperation of Apple, the future development of Apple Pay can be described as almost.