Choose a mobile payment method, who would you choose?

Absrtact: Ma Yun, who has always been the master of fencing in martial arts, seems to be not calm enough recently. October at the end of the gunpowder violently launched with the micro-letter similar products, high-profile appearance shopping malls for its Alipay wallet platform, for public accounts, High-profile release to

Mr Ma, who has always been the master of fencing in martial arts, seems to have been less than calm recently. October the end of the gunpowder violently launched with the micro-letter similar products "," a high-profile appearance in the shopping malls for its pay treasure wallet "platform", for the public account, High-profile release "Between" the full Moon data and a series of events, opened Alipay and micro-letter in the Payment field head-on confrontation.

"In fact, it is not a micro-letter threat to us, we are threatening Tencent." November 21, Jack Ma, chairman of the board of directors of Alibaba, dressed in a white "travel" theme shirt, again provoked war. There is no doubt that micro-letters have become one of the portals of mobile internet, the industry jokingly held "half a mobile internet ticket", which is a good example and opponents, for the lack of tickets for Ali, whether it is genuine anxiety, or through the force of the stunt, all need to continue to detonate the "dealings" and micro-letter war.

The scramble for public accounts

Compared to the micro-letter payment of low-key publicity, a few days ago, the reporter found that the payment treasure wallet of the huge advertising has occupied Guangzhou, Shanghai and other first-line City Subway tunnel. However, in the battle to protect the mobile end of the electricity business, the face of the huge user base of the micro-letter, MA apparently has lagged behind.

According to Alibaba November 21 latest release data, as of the "Full Moon" day, Alibaba's mobile IM Products "Contacts" has developed users 10 million households. Compared with Tencent micro-letter, Ali exerting the wireless has just started. At present, the micro-letter has 600 million users, the public account has reached more than 2 million, in the user size and flow of imports, "dealings" and micro-letter is a baby and the giants of the war.

November 21, talking about "dealings" and micro-letter competition, Ma said, if Ali does not go to challenge the micro-letter, others may not want to think; if Alibaba does not do well, "then no one can do well." ”

Ali and Tencent in the recent exchanges of fire frequently. Earlier November 18, Tencent and Ali have announced a new round of open platform plan, and invariably underground out of "free" chess.

The public account, at the very same, is similar to the service provider and the shopkeeper. Take the micro-letter public account as an example, it covers the financial, communications, catering, government affairs, such as the main hot industries.

It is understood that Alibaba this round of free public account plan, mainly related to Alipay and the platform. Among them, the Alipay wallet will be exempted from all the public service platform for the certification fees and other fees, at the same time, pay treasure purse will be strictly audited into enterprises, to ensure that all the settled brand authentic. Alipay also said that "Alipay purse will provide the most complete flow of funds to the enterprises to support, 170 banks have been fully covered." ”

As Ali's latest push on the "contacts" products, is also speeding up the open platform program. Exchanges and said that will be in the near future full opening of the public account platform, the public account can share Ali wireless user information and data resources, at the same time, Ali will "not charge any fees."

Ali's policy is clearly aimed at Tencent micro-letter platform Hot public platform, October 29, micro-trust public platform released a new version, free to open 9 sets of advanced technology interface, but at the same time, also began to introduce third-party audit agencies, the service operator to collect 300 yuan a certification fee.

However, at the November 18 Micro-trust Partners Conference, the micro-letter highlighted the "free" information. "The micro-letter is not now, and the future will not introduce a charging scheme." For public accounts, the service capabilities of the micro-credit infrastructure will be free and open. "According to Zhang Ying, deputy general manager of micro-credit products, the micro-credit public account has grown to 200多万个 in 15 months, maintaining 8,000 growth and more than billions of information interactions per day."

Although Tencent and Ali are stepping up the enclosure, but in the senior Internet personage Bo, it is difficult to say that the public account itself, will become the key to competition, more importantly, as a platform, in the end can provide the public account which services, these services for users can have what impact, " How businesses maintain their customers is the most important thing. ”

The head of a social marketing company told reporters, micro-letter since the introduction of payment to realize the closed loop, especially for Ali Alipay really have impact, but to replace micro Amoy, micro-Bo and so on media properties of a powerful platform, and even the implementation of Ali system merchant migration, "it will take a long time. ”

What's the hurry, MA?

In fact, before the "free War", Tencent and Ali sides, in the public account, marketing account and application services, each other "off the shelf" and "blocked" for some time.

In the August, the cat in terms of "the existence of data security risks" as the basis, the next frame involving micro-letter-core function of the pure micro-letter applications amounted to 19, with micro-letter for the auxiliary function of the relevant application of 10. Prior to this, the micro-letter also announced that in order to combat spam information, closed a number of Taobao goods and business marketing of public accounts. At that time, both sides also handled some intermediary services and developers in the name of "Security" and "user experience".

Tencent and Ali set off a round of public accounts bloody, what are they arguing about?

Micro-letters are not electrical dealers, but because of sitting 600 million users, became this year, one of the most anticipated mobile portals, the industry often said, because micro-letter, Tencent held half a "mobile internet ticket", and the era of mobile electric business has come, so, the existence of micro-letter is a threat. Alibaba Group senior vice President Wu Yuming has pointed out that the "double 11" is the beginning of the outbreak of mobile phone network of the precursor, China's online shopping consumers have begun to buy from the computer to the mobile phone purchase of the new migration path.

Alibaba 35 billion of the double 11, 5.35 billion yuan from the mobile phone client, although the proportion is not enough to be irksome, but look at the turnover of 960 million yuan last year, the growth rate of up to 5.6 times times! As smartphone payments become more sophisticated, 2014, this data is bound to refresh to new heights.

In addition, Bo also believes that, although the micro-letter itself does not do electricity, but its supply of power to support the ability, but let Alibaba nervous. "Alibaba currently earns the biggest head, is comes from the day cat and Taobao platform's electricity dealer promotion expense, second is the Commission income; if the merchant on the Aliping stage, all the money spent to the micro-letter, to win the micro-letter users, then Alibaba to earn whose money? ”

Bo that, with Taobao merchants to buy more and more the cost of flow, station outside the demand will also be more and more strong, and micro-letter as a traffic entrance, and have a large user, nature will attract Taobao merchants.

"If Taobao shielded the merchant in the promotion of micro-letter, resulting in its inability to complete the transaction, but under, the merchant may be in the sky outside the cat, open a storefront, and Xun because and micro-letter has been through, it may attract a part of frustrated merchants. ”

In fact, micro-letter is also becoming the saviour of Tencent's electricity business. By the end of October, Xun consumers through the PC side, mobile phone clients, micro-credit, such as the purchase of a variety of channels and methods, the choice of micro-letter payment orders accumulated up to 350,000 orders, the amount of the order to break through billion. In less than three months, the amount of micro-letter payment order has accounted for more than 5% of the total Xun order. And on November 11, the whole day, Xun micro-letter Sales field is close to 80,000 single, accounting for Xun total station under a single total of 13%.

So, although the mobile internet is still a smoke and mirrors, but Ali and Tencent two big giants in the mobile port of contention is panic.

"Two horses" war fingertips

For Ma Yun, faced with the threat of micro-trust, to seize the fingertip market is urgent. Dealings and payments to the treasure purse, became Ali Sniper Micro-letter of the latest weapons.

"10 years ago, no one will believe that Taobao will defeat huge opponents ebay,10 years later, we can not try?" "At the end of October, Ma Yun in an internal mail to push" contacts ", called on staff to use Shing Challenge micro-letter.

Mr Ma's eagerness was palpable. In his two network spread a lot of emotional articles, said the existence of micro-letter is like the one-child policy is uncomfortable, "contacts" like "child", although already have big brother, there are child still very important. and asked Ali employees "contacts" account less than 100 friends are not year-end bonuses, and then more provoked "by micro envelope kill" of the saliva battle.

However, in the Battle of the electricity merchant flow, although the slogan "is more than micro-letter a little more", but still missed the opportunity.

Confrontation between the two sides has intensified, directly to the other side. November 1, micro-letters and contacts Again "Crossfire", according to the report, the micro-credit circle of friends blocked from the exchange of links to maintain their monopoly status, and the micro-letter responded that through the release of suspected fishing links, triggered the micro-letter background automatic protection mechanism, and said that resolutely stop "virus and excessive marketing", The two sides immediately launched a new round of tapping.

At the same time, in the security of Third-party payments, the two sides also began to erupt controversy. In response to the "micro-letter payment", Ali and Alipay executives have repeatedly questioned its security, and said that the micro-ring is a fake distribution, in this regard, micro-letter to recruit and recruit, said that they have been with the Chinese PICC Insurance (PICC) cooperation, for users to introduce the full compensation for the protection.

In addition, Alipay announced from December 3 onwards, the payment of treasure purse transfer promotion period is not charged, computer use Alipay transfer will be charged fees, the original discount amount is no longer retained. In this regard, some industry analysts believe that because the charges do not involve mobile payment, so there is the possibility that Ma Yun intends to push users to move payment.

Bo said that on the mobile side of the confrontation, more optimistic about the micro-letter. First, the micro-letter itself is more socially genetic and better socially. "Ali is good at business-related things, such as business-to-business, Business-to-consumer and paid, but social and so on, is Ali's short board." In the past, Ali has tried a lot, whether it's portals, social or search, but there are few successful cases. ”

However, there are some reservations about the current hot micro-credit operators. "As far as I know, micro-trust is the internal cold of Tencent, external heat, on the one hand, is Zhangxiaolong (micro-trust) on the micro-trust is not interested in, and even exclusion, on the other hand, micro-trust of all kinds of foundation have, but the back of the supply chain, the integration of traditional enterprise resources and a huge amount of work to do. "Senior electrical business personage, Shenzhen Electric Shock Commerce Co., Ltd. founder Shangxiang said."

Ma and Jack Yun want you to eliminate your wallet, choose a mobile payment method, who would you choose?