In the eyes of the media, companies such as Alipay and Tenpay have been in a more subtle relationship with UnionPay. For a long time, when talking about UnionPay, Alipay’s official slogan was “We have no cooperation for the time being, but we are always exploring the possibility of future cooperationâ€.
Unexpectedly, at the beginning of 2017, Jingdong Finance, which has been relatively low-key, has made a big news. On January 4th, they and UnionPay came together to announce the strategic cooperation between the two parties. At the same time, the payment company of JD Finance officially became the acquiring institution of UnionPay.
This is the first big move after JD Finance announced the split. JD is also the first Internet company to cooperate with UnionPay.
Pay for remedial classes
In 2014, Jingdong was listed on the NASDAQ. In the interview at the time, Liu Qiangdong said that the biggest mistake he made in the Jingdong business was that he did not pay earlier. “If you pay 5 years in advance, or if you buy online banking online earlier, the user experience of Jingdong Open Platform will be much better.â€
The impact of the late start of payment is the relative backwardness of the personal account system. This may be one of the reasons why Jingdong did not follow up when Alipay and WeChat paid for the line. Jingdong Finance's current position is very clear, it is a financial technology company, but this does not mean that there is no need to strengthen the payment business.
Compared with Alipay and Tenpay, JD Finance has formed a relatively obvious feature. At present, JD's financial comparative advantage business is aimed at B-side supply chain finance. Although Jingdong Finance's overall progress is very fast, if compared with Alipay, the number of users who use Jingdong to pay separately may not be far from one quantity.
The cooperation between Jingdong Finance and UnionPay is a supplementary course.
Jingdong clearly attaches importance to this cooperation. According to the original plan, Liu Qiangdong will come to the speech platform. In the official press release, Liu Qiangdong’s speech has already been made. Unfortunately, Liu Qiangdong did not appear for physical reasons.
Being the acceptor of UnionPay means that JD's payment business and Alipay and Tenpay have embarked in completely different directions. Since then, Jingdong's online banking online can be like the fast money, Epro payment, remittance to the world, online through the pos machine to collect money.
From the perspective of differentiated advantages, this strategy is sensible. Because in the offline scene, if Jingdong is going to pay for the Alipay and WeChat payment codes at this time, it is obviously unreasonable.
However, the cooperation between the two parties may go far beyond the receipt of the order. Shi Wenchao, president of China UnionPay, said in a down-to-earth manner on the scene, "People call Jingdong Finance, but not Jingdong payment company. In addition to payment, there are still many financial businesses."
Team blame
The cooperation between Jingdong Finance and UnionPay is unexpected and reasonable.
In fact, this is not the first time the two sides have cooperated. In September 2016, Jingdong Finance launched “White Strip Flash Payment†to support nearly 20 million UnionPay flash POS machines using JD.com.
From the perspective of UnionPay and JD Finance, the two sides are facing some common rivals, Alipay and WeChat payment. Team up and fight, maybe the best choice at this time.
From the perspective of UnionPay, after Alipay and WeChat paid the online banking function, the progress of offline payment is also coming. Whether it is online direct bank card, or offline through the scan code payment to bypass UnionPay, Alipay and WeChat payment have not taken the channel of UnionPay, and this is the foundation of UnionPay's income.
Since 2016, UnionPay’s counterattack has never stopped. It has pushed cloud flash payments, scan code payments, etc., and slammed third-party payments. But for two years of user education, Alipay and WeChat have built a very high wall. For many users, mobile payment is equal to "Alipay or WeChat?"
For JD.com, despite the rapid development of JD.com, it has also been valued by Liu Qiangdong at the strategic level. However, Jingbao Finance still has a weak sense of existence because of its relatively deep Alipay and the rapid WeChat payment that relies on the WeChat red envelope. In particular, Jingdong Finance's dominant business is biased towards supply chain finance, which appears to be less pronounced in 2C. Cooperation with UnionPay is about an opportunity for Jingdong to counterattack.
At this time, UnionPay and Jingdong team should be seen as a step in the fight against Alipay and WeChat. In this case, it is very reasonable for the two to come together.
In the eyes of Jingsheng Financial CEO Chen Shengqiang, the QR code is not the future payment method, and the pattern of the payment industry has not yet been determined. In his speech, several key words were mentioned for the cooperation between the two parties: payment innovation, bank card services, big data technology, overseas payments, and rural finance.
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