China Ping An is expected to launch mobile payment products "electronic wallet"

In business, no permanent partner, only a ubiquitous competitor. Forefoot, MA, Ma Yun and Ma Teng happy to launch the first cooperation products "Le Bao", Hind foot, Taobao and Taikang Life launched the "Le," and a few days ago, MA in a letter to all life insurance salesman revealed that China Ping An is about to launch a mobile payment of the product "electronic wallet", he used "subversive", "Magic", "miracle" to describe this product.

In the mobile payment field, the micro-credit payment and Alipay wallet have been playing hundred pay-Baidu wallet in the dark eyeing, obviously, MA will also join the battle, and Tencent and Alibaba is different, ping an full financial licence, especially the banking licence, which is the "wallet" in the important part of the arrival of financial giants, Do not know Bat (Baidu, Ali, Tencent) how to feel?

Let Ma Yun hold the horse to shake together

MA in the letter, entitled "Technology, Let's take off the wings," said this spring festival, Peace will launch a new fist technology products-Magic "electronic wallet", will give the work of all life insurance colleagues to bring great subversion of help, at the same time, the Spring festival will also be through the "electronic wallet" issued to all the people of peace.

People close to peace say Ping An wants to take over personal financial management in the "Magic Wallet", the financial service advantage of the safe financial licence will be transplanted into the "magical purse", in which the user can realize insurance, investment, shopping and so on, and replace the traditional cash and credit card to a certain extent.

In the mobile payment field, the micro-credit payment in the front, and its based on micro-credit social platform combined with tenpay payment function, now become Tencent's flagship product, in Dangdang and other shopping platforms, micro-letter payment has been thrown away tenpay independently.

This product makes Ma Yun also feel afraid, in the Ali Forum, he issued a murderous "call order", to the positive war on Tencent, but including the upgrade version of the payment treasure wallet and the exchange, are Ali to kill micro-letter payment tools, at the same time, Alipay also increased the landing offensive, for a while, mobile payment field bloody.

And a few days ago, Baidu Financial insiders also told us that the hundred pay will have big moves at the end of the year. However, it is not possible to confirm whether it is related to mobile payments.

For the safe "electronic wallet", the industry reaction is mixed. A third party payment field in the industry to the reporter analysis, if Ma also to do mobile payments, obviously compared with Ali, Tencent has an unmatched advantage, that is, the full financial licence, especially his own insurance, banking and fund licences, which can solve the "electronic wallet" the various factors required, What peace needs to do is to follow the internet thinking, do a good customer experience. But for financial companies, Internet thinking is the biggest hurdle. "he said.

Ping An Internet financial quietly layout

From the beginning of the 2013 Ma New Year speech to talk about their biggest competitor is not the traditional industry but the internet, the "electronic wallet" mentioned in Ma's letter is not hard to find, the ambition of China's Ping An is not only to ensure that they run past rivals in the core financial sector, but also to challenge the Internet in the field of new forces.

Recently, China Ping ' an deputy general manager and group chief financial officer Liao Po publicly said, Ping ' an group strategy is technology leading finance, and internet finance will be one of the important pieces of peace. The layout of the internet finance will revolve around the two business areas of "finance" and "Non-financial".

Among them, the financial sector will do a good job of Wanritong and an account pass, in order to surpass the financial rivals; non-financial sectors, the MA set of "Medical food and housing" to extend their own Internet tentacles, targeted at the Internet rivals, including Ma Yun and Pony.

In fact, a series of actions have started quietly before MA public "electronic wallet".

For example, the latest introduction of Ping ' an innovative mobile payment applications, the use of pay-for-hand shaking the mobile phone at the same time, to achieve a simple, fast payment, collection experience, in addition, Ping An bank in the second half of the upgrade of the Pocket Bank, the two or will be an electronic wallet of

Also, in mid-November, Ping ' an Dahua fund launched the first Money market fund-Ping ' an Japan increase money market fund, and cooperation with Ping An bank in the "Wealth E" specific access to the opening of the rapid transfer of business, with the money fund, to solve the problem of the return of high liquidity funds, similar to the balance treasure.

Electronic wallets are based in part on Third-party payment operations. In the last year, Ping An group of 99.88% of the Ping ' an has acquired the Shenzhen Ming Wah Intelligent Technology Co., Ltd. (hereinafter referred to as "Ming Wah Intelligence") 49.99% of the equity, while Minghua Smart owned Shenzhen One card, Shanghai Jie Yin Two third-party payment companies, this June, Minghua Smart official renamed Ping-an.

From Ping An shares to now more than a year, Ping an registered capital to pay a leap up to 760 million yuan. Wang Jiefeng, Chairman and CEO, said that as a payment tool derived from a powerful platform, the strategic path of safe pay is to use powerful users, merchant relations to finance, funds and other financial instruments.