Electronic Payment scenario It's not easy to prosper

In recent times, electronic payments have sparked another spat. First, Alipay broke up with the pay-pass; thereafter, residents of Beijing and Shenzhen can pay their electricity bills by micro-letters. Now is UnionPay secretly layout two-dimensional code to pay, and Alipay and micro-letter, such as Third-party payment platform again fighting.

Hydro-Coal is a payment service which is closely related to public life, and it is a service with high frequency. Under the fast-growing popularity of smartphones, Alipay and Tencent are paying for their mobile phones, trying to pay for more users at the mobile end through life scenarios such as hydroelectric coal. I have to say, the vision is very good, but electronic payment to the prosperity is not easy, complex environment is the biggest stumbling block.

Alipay and pay-pass break, is a typical case of electronic payment enclosure difficult. Frankly speaking, Alipay and pay-pass experienced five years of close cooperation after the breakup, the essence of the interests of the dispute. Public information shows that the payment is the only one unified platform for people's livelihood in Shanghai, is the final port of all electronic payment channels. One thing to be aware of is that, like Alipay, a pay company is a paying business, and there is no surprise that there is a conflict of interest.

As we all know, the cost of living represented by hydro-coal is strongly localism, and each region has a local government-designated payment platform or payment channel. For Alipay or micro-mail, to get involved in living expenses, must be through the local government designated payment platform, Alipay and pay-pass cooperation is based on this model.

From the surface, Alipay can not only pay the living expenses such as electricity and water, in some areas can also pay telephone fees and traffic penalties. As everyone knows, Alipay rich application of the implementation of the scene, are the use of similar pay-pass platform to achieve. The same is the payment platform, there must be a dispute of interest. That being the case, why do many local life toll platforms co-operate with third-party platforms such as Alipay?

As we all know, Alipay as a mature platform, with a large user groups, and such as pay-pass such a local payment platform, the user is small. In order to gather users, the pay-pass option to pay the treasure of this dump has a huge user base platform to cooperate to achieve user diversion purposes. Five years later, Alipay for the introduction of a considerable user, the contradiction between the two appeared, breaking up is inevitable.

Casually read the news will find, and pay treasure cut off the relationship is not a pay-pass, more than 10 days ago, QQ lottery terminated with Alipay cooperation. Carefully check the payment of the life of Alipay project will find that there are not open Alipay payment of the area there are many.

In the context of the intricacies of local protectionism, the demand for electronic payment living scenarios is strong, but prosperity is difficult. The local policy environment is the biggest stumbling block. To this end, the micro-letter is trying to bypass the local payment platform, direct communication with the enterprise. At present, the state Grid Beijing Electric Power Company, Shenzhen Electric Power Company has access to the micro-letter platform, the effective bank card and micro-letter binding, you can use micro-letter payment method to pay electricity.

It is true that micro-letter direct and business cooperation is a breakthrough in local policy protection, but in practical applications, micro-trust this way feasible? The key point is that the cooperation between the micro-letter and Beijing Electric Power Company, whether the need to rely on UnionPay or Third-party payment platform is still an unknown. As we all know, Beijing electric power itself does not have the payment interface, usually by the bank and other payment platform to achieve electricity tariffs, which means that micro-letter payment of electricity will still be limited to others.

From the user's point of view, Alipay and micro-credit and other electronic payment life scenarios can flourish, the key is the user experience. From the surface, by Alipay or micro-letter, can be very convenient to pay the cost of water and electricity, convenient to the extreme. As everyone knows, Alipay and micro-letter convenient user experience has a prerequisite, that is, first through the bank card for Alipay or micro-credit recharge. At the moment, the cost of hydro-coal can be directly paid through telephone banking or online banking, which is more convenient than micro-letter and Alipay. Ask, can not solve the dependence on the bank card, Alipay and micro-letter electronic Payment How to talk about convenience?

From the demand point of view, hydroelectric coal is the most frequently used payment application. The Electronic payment platform, which is represented by Alipay and micro-trust, improves the efficiency of the payment of water and electricity, and creates convenience for the users. But under the circumstances of local policy protection, it is not easy for the electronic payment scenario to flourish in the context of Alipay and micro-letters still unable to escape the underlying reliance on bank cards. At the very least, Alipay and micro-letters have not found a breakthrough, and the current effort is nothing more than an attempt.