Red envelopes make people worry

February 13 News, the 2014 Spring Festival, micro-trust red envelope First World fame, micro-letter in a short period of time led to a large number of users to send red envelopes, with micro-letter payment, binding bank cards, Occupy a place in mobile payments. Hand pay Treasure of Ma Yun exclaimed, micro-letter red envelopes suddenly appear is "Pearl Harbor sneak attack."

 
Therefore, the Spring Festival has not arrived this year, the red envelope war has begun. First Tencent to get through the micro-letter, QQ payment system, announced that will issue 3.5 billion, 3 billion yuan (including corporate coupons) of the red envelopes; Alipay also announced the start of 11th, 7 days to send out 600 million of cash red envelopes. Shortly thereafter the micro envelope kills Alipay to pay for the entrance, and the Alipay envelope cannot be shared into the Micro-mail Chat window and the circle of friends. Alipay also see the Recruit, the introduction of red envelopes password continue to capture friends circle.
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However, when the user spontaneous red envelope carnival, evolving into a marketing battle between enterprises, the value of this product also began to discount, the user actively involved in the robbery, but also began to rethink, we really need red envelopes?
 
has the ID named "Lives Chaoyang District in the gentleman" the Netizen said, the red envelope "although may obtain the money, but is always a two wool's very disappointing, mainly is lets everybody have the common participation the matter and the topic", is the cash + friend Circle small game feeling, Does not make me want to use the additional payment, the present function. He added that the choice of which to pay for the main look at security, "because if you lose the phone, payment application security is not high, it is tragic", in addition, he will also look at the use of people around the tendency and convenience, "if not many people around, plus with a new payment application to learn to bind the bank card ah what, I feel trouble. "
 
Rob a red envelope This was originally a more entertaining product, began to sour. With red envelopes to expand the market after the pressure, so that this year's robbery of red envelopes to carry more card position and competition, "The responsibility", this business appeal diluted red envelopes of the mass culture means. The red envelope War on the surface to see Internet users is the protagonist, but in fact the right to speak in the Internet enterprises. The signs of this shift are that the internet giants are blocking each other, corporate marketing bombing in red envelopes, and so on, which creates restrictions and risks for consumers.
 
Grabbing red envelopes may also threaten Internet users ' payment security, and there have been a number of phishing scams under the banner of "grabbing red envelopes software" and "grabbing red envelopes" on the web. For this danger, not all rely on Internet users to alert, as the initiator and rule makers of red envelopes, the internet giants should come up with measures.
 
In fact, the risk of taking a red envelope is not only a test of the ability to operate a red envelope, but also a test of the ability of internet companies to expand marketing and ensure security, as well as the propriety and timing of regulatory intervention.
 
for the internet giant, the red envelope war, although "big production, big stunt", but for users, but also a small game, want to push mobile payment business, users really buy it?
 
In fact, the reason why red envelopes become a battleground is not simply a follower. Stage，The role of red envelopes is mainly to expand the mobile payment scene, for the next move to pay the overall war lay the foundation. Previously, Alipay Wallet has covered catering, shopping malls, supermarkets, convenience stores, taxi services, hospitals and other patterns of the online payment scene. Online from needless to say, including recharge, transfer, balance treasure, lottery, credit card repayment, itinerary, electronic coupons, membership cards. In contrast, micro-credit payments, both online and offline, are relatively scarce in mobile payment scenarios.

 
In such cases, the micro-letter payment to introduce the function of the red envelope was not placed high expectations, did not think of "accidentally planted willow shady", red envelopes instead quickly became popular. As a result, micro-credit payments will naturally be able to redouble their efforts to achieve the goal of expanding the mobile payment scene through the red envelope function. And for Alipay wallet, mobile phone QQ, MO, and so on, red envelopes is another sense of mobile payment scene, must be followed up quickly, it is expected to expand their own radiation range.
 
So, no matter how happy users Rob, the red envelope is actually a mobile payment card battle, with the food and entertainment closely related to the O2O market and the rise of the financial management market, electronic wallet is not only the payment tool, or an important flow entrance, occupy the mobile payment market, is equal to get the offline market and the financial market to the stepping stone.
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The market share of China's third party mobile payment transactions at the end of the three quarter ended 2014, with a share of Alipay at 82.6%, and a tenpay share of the micro-credit payment of 10%, according to Iris Consulting data. This means that the actual thrust of the red envelope on the mobile payment tool has not been shown, at best, to occupy the topic of the peak.
 
This is undoubtedly a worry about the spread of red envelopes-there is a topic, but the essence is a gimmick. How to add a variety of elements to the function itself, so that its wider application, will be a lot of mobile payment tools to face the next problem. And how to enhance the function of mobile payment itself, to meet the needs of users, it is a question to consider.