Објављено 7 year ago
Recently, Apple Corp announced that since from July 18th to 24th, all the designated shops in the UnionPay cloud flash payment logo can be paid for as low as 50 percent off by ApplePay, and 50 times the bank credit card bonus. This event, in addition to dozens of offline entity stores, there are Jingdong, Ctrip and other e-commerce participation.
"The cooperation between apple and UnionPay has been in the past and this is more powerful," the executive president of the unionfederation, Zhihui, told the first financial reporter. But he thinks, "the best time is over."
Currently, WeChat and Alipay have been fully occupied Chinese mobile payment market. Apple has not disclosed the size of its users, but in China, it is not very active for its users.
According to the latest data of quarterly monitoring report of China's third party payment mobile payment market released by Analysys, China's third party payment mobile payment market has reached 18 trillion and 800 billion yuan in the first quarter of 2017, with a growth of 47%. Among them, Alipay and WeChat to pay two of the market share of more than 93%, occupies the dominant position.
In February 18, 2016, ApplePay entered the Chinese market for the first time.
As the NFC (near field payment technology) industry leader, ApplePay has been given high expectations. But with the payment of the two-dimensional code first through the "red rain" captured a large number of ApplePay users, since entering the China has not set too many waves.
"CEO is a very common payment technology. Android Mobile has been integrated with NFC (close range wireless communication technology), but few people actually use it," Chen Yu Meng, founder of intelligent wearable device manufacturer, Chen Yu technology, told the first financial reporter. "NFC is a very common payment technology."
At present, Samsung, HUAWEI and Xiaomi Android mobile phones have integrated NFC payment function. Apple and bank cooperation also hope to get some users by smashing money. "But habits are hard to change once they are formed. WeChat and Alipay hit money early, the user has to develop the habit." Chen Yuemeng thinks.
To the popularity of a mobile payment habits, only the subsidy is not enough, behind the users of Alipay and WeChat, not only because there is more subsidies so simple, behind the two software itself in the market dominant position and China indispensable.
Alipay is behind Ali electricity providers, O2O ecology, is just an important part of the closed loop and trading and financial behavior and habits of the people of the basic necessities of life precipitation. Behind the WeChat is the extension of the Chinese social network. That is to say, their monopoly of mobile payment market is behind the scan code China two Internet giants ecological framework payment scenarios force, payment system docking is a kind of indispensable consumer demands and connected with the line of basic necessities of life and other online and offline consumer entertainment scene, and not because of subsidies.
At present, China's mobile payment is mainly divided into two camps, NFC payment and two-dimensional code payment. Due to the payment of the two-dimensional code simple requirement on equipment, with transfers, envelopes and other social functions, Alipay and WeChat to pay two Internet giants subsidies under the China market marketing become the mainstream mobile payment.
"All NFC use at present will not add up to 5% of the mobile payment share." Gartner research director Shen Zheyi on the first financial reporter said that although Apple decided to fight a battle, trying to pay to mobilize the enthusiasm of Apple users, but in the current situation, it is almost impossible to catch up with WeChat, Alipay and apple to pay.
WeChat and Alipay in the mobile payment market monopoly has much impact to traditional financial institutions. In order to retain users, traditional financial institutions are seeking innovative ways of payment. For example, Ping An Bank has recently announced the cooperation with the watch giant Swatch to support SwatchPay's payment in the Chinese market.
The three - year - old UnionPay in mobile payment has finally slowed down this year and began to hit the mobile payment market. In May 27th, China UnionPay jointly more than 40 commercial banks jointly announced the support by the cardholder bank UnionPay flash pay App cloud payment scan code, and combined with the country more than one hundred thousand businesses, open payment promotions, discount big line Jingdong, in addition, the U.S. group, public comment and other online merchants were also pulled into promotions category.
Shen Zheyi believes that there are 5 million ~600 million units in China's flash POS terminal, and China UnionPay is no doubt a big Mac in this industry. The latest data show that in the first half of this year, the amount of cloud flash transactions in China has increased by more than 7 times over the same period.
China UnionPay in the layout of the mobile terminal is not later than Alipay and WeChat. As early as 2012, UnionPay was based on the NFC's near-field payment function. Then it continuously improved technology and started cooperation with mobile phone manufacturers. It not only supported ApplePay, but also worked with Samsung Pay, Xiaomi Pay and HUAWEI Pay.
In addition, UnionPay international is also accelerating the layout of the innovative payment business abroad. On the one hand is to enrich the use of "cloud flash payment". NFC has been used in nearly 500 thousand POS terminals abroad, and two-dimensional code payment has also landed in China's Hongkong and Singapore. On the other hand, based on the reception environment of cloud flash, UnionPay international is also promoting more overseas consumers to bind mobile phones with UnionPay cards.