This year, the double 12 seems to have changed. From online to offline, Alipay is very aggressive. The background shows that the double 12 Alipay transaction has increased by 70%. However, some people want to grab the headlines, this is UnionPay!
On the 12th day, UnionPay officially released the UnionPay QR code payment standard and announced its official opening. Many people think that UnionPay's entry into the QR code will lead mobile payment into the era of the Three Kingdoms. Is this the case?
Why does UnionPay push QR code to pay?
Two years ago, the central bank shouted the two-dimensional code, UnionPay fully promoted the NFC technology flash payment, to today's UnionPay two-dimensional code, why is there such a big change? Let us look at the reasons behind it. From the perspective of traditional financial structure, payment has always been a closed loop of card + POS machine, so the imaginary mobile payment is also this mode, but the card becomes a mobile phone, and the pos machine can brush the mobile phone. In this mode, NFC can be said to be the most A reasonable solution.
It is a pity that no matter which country or region in the world, NFC payment is in a tepid state, there are hardware problems in the middle, but in fact, the bigger problem is that there is no application scenario. Everyone does not think that NFC brings a lot of real convenience, but because There are not many uses and many problems arise in real use. In this way, there is an interesting phenomenon. After the promotion of NFC in the United States a few years later, the latest payment scheme of Chase is actually based on QR code. This can be said because domestic Alipay and WeChat pay two-dimensional code. Success stories.
The success of QR codes in China can be said to be accidental, but it is also inevitable. In the era of mobile Internet, payment can't be independent, just a payment process, so more scenarios and applications are needed. These applications are all APPs online, which is more complicated online. It can be a product, a discount, a group, etc. Kind of possibility.
The best carrier behind these applications is the mobile web page (HTML5), but the mobile phone input webpage is too cumbersome. At this time, there is no requirement for hardware. The universal QR code of each platform has become the most ideal input carrier. Therefore, mobile payment based on two-dimensional code in various scenarios is popular, far from the NFC-based ratio. In fact, this is very normal, the Internet application to play traditional financial payments, this kind of dimensional reduction attack is basically obvious who can win.
The 16-year offline mobile payment transaction officially exceeded the online line. This has basically been under the incursion of the UnionPay line. As the big brother, it is normal to decide to go to the mainstream QR code mode in the mobile payment era.
Is it really the Three Kingdoms era?
If mobile payment is a big battle, WeChat and Alipay are already the world of Chuhan. If any third party wants to enter the market, it will not be able to grab as much as 10 times more energy. We can look at a lot of other wallets with the same QR code on the market. The data shows that there is basically no WeChat or Alipay.
As the original big brother of the market, UnionPay was originally challenged by WeChat and Alipay, but like many Internet companies have subverted traditional companies. Compared with traditional taxi companies, Taobao compares offline retail sales, changes occur within one or two years, and once they occur, they cannot be reversed. Therefore, the consumer's mind has been occupied. At this time, UnionPay has become a challenger rather than a defender, so it is now said that the Three Kingdoms era may be overestimated.
What can the challenger do?
Then look at how domestic challengers play? The most classic is Momo and Jingdong. Before Momo, there was already a very strong one. Tencent had QQ and WeChat 2 social products. How many companies in Ali and so on invested in unlimited resources could not move, why did Momo finally become? It is because Tencent has a blank market that is not doing well, that is, strangers make friends, this single point makes Momo succeed. How about Jingdong? Ali because of the platform attributes, leaving the authentic, fast delivery of these two e-commerce pain points to Jingdong, Jingdong rely on this point.
Today, UnionPay as a challenger, find the weaknesses of Alipay and WeChat? Only when we continue to innovate based on weaknesses, we have the opportunity to challenge. In fact, the weakness is not without. Because of the alliance between UnionPay and the bank, today they have 99% of the real wealth in the bank. This asset and big data can be said to be the key to success. If it is based on financial innovation, this is the case. It is possible to challenge success.
Compared with UnionPay, I am more optimistic about ICBC and China Merchants Bank!
It may be that UnionPay is difficult to integrate bank resources deeply because of historical reasons. At the same time, innovation is hard to match WeChat and Alipay. Compared with UnionPay, I think ICBC and China Merchants Bank are more likely to become third countries. The main reason is the closed loop within the system, the huge user base and the determination to reform in the mobile payment era.
Let us review it a year later and see if I am right?
The success of QR codes in China can be said to be accidental, but it is also inevitable. In the era of mobile Internet, payment can't be independent, just a payment process, so more scenarios and applications are needed. These applications are all APPs online, which is more complicated online. It can be a product, a discount, a group, etc. Kind of possibility.
The best carrier behind these applications is the mobile web page (HTML5), but the mobile phone input webpage is too cumbersome. At this time, there is no requirement for hardware. The universal QR code of each platform has become the most ideal input carrier. Therefore, mobile payment based on two-dimensional code in various scenarios is popular, far from the NFC-based ratio. In fact, this is very normal, the Internet application to play traditional financial payments, this kind of dimensional reduction attack is basically obvious who can win.
The 16-year offline mobile payment transaction officially exceeded the online line. This has basically been under the incursion of the UnionPay line. As the big brother, it is normal to decide to go to the mainstream QR code mode in the mobile payment era.
Is it really the Three Kingdoms era?
If mobile payment is a big battle, WeChat and Alipay are already the world of Chuhan. If any third party wants to enter the market, it will not be able to grab as much as 10 times more energy. We can look at a lot of other wallets with the same QR code on the market. The data shows that there is basically no WeChat or Alipay.
As the original big brother of the market, UnionPay was originally challenged by WeChat and Alipay, but like many Internet companies have subverted traditional companies. Compared with traditional taxi companies, Taobao compares offline retail sales, changes occur within one or two years, and once they occur, they cannot be reversed. Therefore, the consumer's mind has been occupied. At this time, UnionPay has become a challenger rather than a defender, so it is now said that the Three Kingdoms era may be overestimated.
What can the challenger do?
Then look at how domestic challengers play? The most classic is Momo and Jingdong. Before Momo, there was already a very strong one. Tencent had QQ and WeChat 2 social products. How many companies in Ali and so on invested in unlimited resources could not move, why did Momo finally become? It is because Tencent has a blank market that is not doing well, that is, strangers make friends, this single point makes Momo succeed. How about Jingdong? Ali because of the platform attributes, leaving the authentic, fast delivery of these two e-commerce pain points to Jingdong, Jingdong rely on this point.
Today, UnionPay as a challenger, find the weaknesses of Alipay and WeChat? Only when we continue to innovate based on weaknesses, we have the opportunity to challenge. In fact, the weakness is not without. Because of the alliance between UnionPay and the bank, today they have 99% of the real wealth in the bank. This asset and big data can be said to be the key to success. If it is based on financial innovation, this is the case. It is possible to challenge success.
Compared with UnionPay, I am more optimistic about ICBC and China Merchants Bank!
It may be that UnionPay is difficult to integrate bank resources deeply because of historical reasons. At the same time, innovation is hard to match WeChat and Alipay. Compared with UnionPay, I think ICBC and China Merchants Bank are more likely to become third countries. The main reason is the closed loop within the system, the huge user base and the determination to reform in the mobile payment era.
Let us review it a year later and see if I am right?
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