China Post moves into mobile payments to follow the bandwagon more than rational

650) this.width=650; "class=" AlignCenter size-full wp-image-3230 "alt=" Picture 5 "src=" http://www.kjxfx.com/wp-content/ Uploads/2014/07/%e5%9b%be%e7%89%8752.jpg "width=" 655 "height=" 355 "style=" height:auto;vertical-align:middle; border:0px;margin:0px auto; "/>

From behind, not suitable for the internet industry. But there are always some companies do not superstitious-especially the state-owned enterprises, always consider their own advantages in the monopoly, want to reverse the city. According to the confirmed news, China Post will invest 100 million yuan in Chongqing to establish an electronic payment service base, the mobile phone and the internet to pay. With the rise of the Internet financial tide, mobile and internet payments to replace the traditional payment of the present, China Post even if the deep, it will be able to and other already entered the state-owned enterprises and the internet giants compete? Is it really possible to have a place like it expected?

Opening: The key dispute is not easy China Post has lagged behind the people

The internet has a strange phenomenon, that is the original Internet industry segments of the pioneers, but to other enterprises to open the train of thought, and finally see others get success, these pioneers are always laughed at as "up a morning but catch a late set." Presumably, China Post is holding such a mindset before it is ready to chestnuts out in the wave of mobile payments. But this obviously has a speculative mentality, but let China post in the first entry into the battlefield suffered a heavy blow.

We know that in order to enter the mobile and Internet payment segment, you must first obtain a payment license. On May 26, 2011, the central bank issued a payment licence to 27 domestic third-party payment enterprises in a breath. In a short period of three years, up to 250 companies have received third-party payment licences. Although the scope of the licence covers mobile and internet payments, prepaid card issuance and acceptance, POS receipts, currency exchange, fixed-line payment and other types of business, but in fact, Internet payment is definitely the protagonist.

As a key to internet finance, China Post has yet to formally apply for a licence. Of course, it is not difficult to apply for a licence in the capacity of a China post State enterprise. But in the face of the mobile and Internet to pay for one year, two years or even three years of opponents, China Post really have the absolute confidence to come from behind? China Post did not get up early, but has already rushed the late set, and the market is already crowded, wants to succeed in the head, the difficulty can be imagined.

Process: The supremacy of China post difficult to break through

In addition, since China Post has decided to enter the mobile and Internet payment areas, it will be "pushed" by the group's network of offline outlets and online banking. It is understood that the current China Postal Savings Bank has 38,000 outlets, covering more than 98% of the country's county-level area. and its electronic * * * in June 25 this year also broke through 100 million households, reached 100.07 million households, listed in the fifth place of China's banking.

The seemingly large system seems to prove that China Post has enough power to succeed in the march, but it turns out that the emergence of flexible systems and product technologies from internet companies has left traditional banks far behind. Even more powerful than China's postal Savings Bank ICBC, CCB, and so on, still lost to the impact of internet giants.

In fact, the advantages of China Post are not obvious in the competition with other banks with the same attribute and the powerful Internet enterprises. After all, the mobile Internet payment field has become saturated, in the absence of research and development of the absolute advantages of technology, advanced services, as well as high standards of security and other prerequisites, China post difficult to break through. In addition, according to relevant media reports, its use of payment business related systems will be developed independently by the China Postal Corporation, which means that the cooperation system needs to start from scratch. In the face of the internet's third-party payment, which has already been dug by merchants, it is hard to imagine how the Chinese post in the old-fashioned alliance can rob merchants from their hands in an open stance.

Again: Cut into the bad times the payment industry will upgrade

Apparently, for the moment, China Post is still doing the dream of racing around the world with nearly 40,000 offline outlets and over billion e-mail, in mobile and internet payments. But in fact, not only are these figures meaningless, the timing of China Post's cut is even worse. In the three years since the payment of licences, mobile and internet payments have gone through the brewing, development, and maturation stages, and the pattern of winning by sheer scale has not been feasible. More importantly, the entire mobile and internet payment industry is facing an escalating threshold.

and the specific upgrade measures are based on payment, tracking, analysis of user payment behavior, guide, derive more application scenarios, superimposed more high-profit value services. And in the process of upgrading, scale is not the only criteria for winning, creativity and user experience is the most fundamental factor. More importantly, the process of upgrading is actually the process of industry shuffling. At present, although more than 250 enterprises have to pay the license, but after the upgrade is completed, it may be less than 100, and most of the country will be mastered in the hands of a few internet giants. Can China post, as a later person, resist the storm of escalation? Can it be the last few winners? I doubt that.

Written in the last

To sum up, the Chinese postal Service in the mobile and Internet payment areas, it seems a little less rational, more like a follow-up behavior. Watching peers and internet companies have been in the mobile and Internet payment field mixed with the wind, China Post began to panic, began to think "convince", by virtue of their own monopoly status also to play a. But the mobile and internet payment industries are no longer able to accommodate a new provider. Therefore, it is possible that China Post will eventually pay a heavy price for its irrational behavior, even if China Post finally survives in the area of mobile and payment, it is estimated that it will only stand behind the entire pay army and is far from the expected target. (New discoveries of science and Technology, Constantine/Wen)

If you need to reprint this article, please contact qq:102927545 and indicate the source

Friends who like technology, sci-fi can add * * * Stream 66293965

New technology Discovery official public number: KEJXFX

This article is from the "sci-fi Galaxy" blog, make sure to keep this source http://skysfw.blog.51cto.com/926181/1436051