In the financial payment industry market, traditional bank card receipts and new payment services have been integrated and inseparable. In the future, as payment products become more diversified and electronic, with the standardization and institutionalization of industrial supervision and governance, financial payment The market will rush to the payment institutions with more and higher requirements. Those organizations with many customer resources, rich payment products, excellent R&D capabilities, business operation management regulations, strong technical support and professional services will be able to synchronize with the bank card payment industry with strong market competitiveness and long-lasting vitality. development of.
Market competition is ultimately the competition of talent, especially in the financial payment market. In order to maintain long-term healthy and sustainable development, payment institutions must cultivate and reserve talents. We should attach great importance to cultivating and introducing technical talents and business backbones, especially those in product design, system development and business management. In the process of business innovation and development, we will train and train talents to provide talent protection for the healthy and sustainable development of enterprises. .
According to Yubo Zhiye Market Research Center, in the future financial payment field, having a technology research and development platform will grasp the dominant position of competition in many new types of businesses. If the payment institution can establish a localized innovative payment platform, provide localized product development and innovative value-added services, optimize the company's business structure and product system, such as: localized water and electricity, and other conveniences for self-service payment; prepaid cards Accept project access and service functions, localized order and bill payment system; online merchant service platform, support value-added functions such as points, marketing, and accounting services. These initiatives will enrich the integrated payment product system. Improve market competitiveness, improve service quality and brand awareness, and thus provide more satisfactory services to banks and deepen cooperation.
Future consumers will have higher cultural accomplishment, spending power, new desires and self-awareness. Pursuing individualization is a typical feature of this generation of consumers, and they will pay more attention to the personalized experience of payment. Therefore, payment institutions need to further segment the payment market, develop personalized payment products for different consumer groups, and implement precise marketing to grasp the market pulse and consumer demand. A personal payment, a face-to-face, and a single marketing model will not be able to meet the payment needs of future consumers and will eventually be abandoned. Therefore, in the future, the payment group will be highly personalized, the payment market will be highly segmented, and the payment product marketing will be highly accurate.
With the accelerated development of e-commerce, the status and role of POS in commercial automation is undergoing tremendous changes. Today's pos machine has not only been used for bookkeeping, but many foreign users are gradually using it as a tool for customer relationship management, product promotion, multi-channel sales and so on. To this end, many of the original users have proposed a series of new requirements for POS to meet the development of the enterprise. These new requirements from users have become the driving force for the advancement of POS technology. With the support of IT technology, POS has achieved rapid development in recent years.
From the perspective of computer technology, POS is a special computer that can work in harsh environments, with high dust resistance, water resistance and shock resistance. Since the POS is traditionally used only as a sales terminal, it is a low-end machine in the computer arrangement.
Wireless POS (WPOS) is a device that uses wireless devices to order and pay for products or services. A WPOS system typically includes a workstation associated with a central service point and one or more supporting computers or other PDA devices in wireless communication with the workstation.
WPOS first appeared at the end of the last century and has developed rapidly in recent years. At present, most foreign POS production businesses have begun to introduce such products.
Compared with the traditional POS, the design, function and human-machine interface of the WPOS terminal depend more on the application environment, and the WPOS applied to different occasions has great differences. If the POS machine is a dedicated machine in the computer, the WPOS terminal is a dedicated machine in the POS machine.
From a technical point of view, the WPOS terminal is a closed dedicated handheld computer with embedded operating system, mainly Palm, WinCE; usually includes a radio modem, card reader, touch LCD screen, micro printer, packaged in a handheld Inside the device. The interface network includes CDMA, CDPD, GSM, Digital TRS, and the like.
In general, in the next few years, smart card migration, emerging markets (such as public transport), Internet applications and wireless applications are the growth direction of Wuxi cash registers. As an emerging credit card market, China's implementation of EMV migration is also imperative, and the Chinese market will become a battleground for fierce competition from international manufacturers.
From the perspective of the development status and investment prospects of China's financial POS industry, on the basis of traditional bank card receipt and professional services, the company provides a wider range of richer payment products and services to the cooperative banks. The relationship of cooperation and win-win. Adhere to the development model of equal emphasis on service and products, make full use of efficient and flexible R&D mechanism, provide complementary products for banks and customers, and provide banks with products and services that they can't or don't want to do, such as mobile payment and online payment. , voice payment, prepaid card acceptance, at the same time can provide cross-bank installment payment acceptance, point redemption, bill payment, convenience payment and other outsourcing services, to achieve long-term complementarity, cooperation and win-win.
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