High-pitched unionpay blood-stained cakes

270 billion yuan +180% growth rate of China online payment market ushered in a new "big alligator", China UnionPay has made important http://www.aliyun.com/zixun/aggregation/33012.html "> Strategic adjustment, To include the promotion of online payment in one of the priorities of this year's work.

Although UnionPay in the net under the exclusive operation of the bank card "interconnection interoperability", but the long silence on the Internet. Chinapay was established in 2002 and has been operating quietly. Many well-known businesses such as Dangdang, excellent Amazon and Jingdong mall, etc., are currently not connected to the online payment interface UnionPay.

Since 2000, China has had a 1th third party payment enterprise to date, 四、五十家 pays the company to draw the huge attractive cake together, and has cultivated 30% netizen penetration rate. Payment company for merchants and cardholders to provide payment interface, the realization of online consumption can "brush" a variety of bank cards, played "online UnionPay" role. Finally, with a high quality background and special resources of UnionPay can't restrain, although the big cake is already red blood red.

The face of UnionPay into the third party pay High-profile market, the industry is mixed. Third party payment itself is an extension of the financial field. When third party payments gradually infiltrate the enterprise-level business-to-business payment business, the financial sector has been largely entered. Moreover, UnionPay is a state-owned enterprise, its entry, is expected to enable the third party payment industry to accelerate the process of standardization, formally incorporated into the banking system regulated by the people. But this new payment model for many Third-party payment company's original value chain will bring impact, the unique resources of UnionPay will make the traditional third party profit space is seriously squeezed.

At present, Alipay is ranked first with 51.2% of the market share, while Tenpay and UnionPay Chinapay 20.5% and 7.6% of the market share followed, the remaining 20.7% of the market share by other third-party payment companies divided. But with the "national team" increased horsepower, the market accounted for this year will change, the past private capital and VC capital dominated the market pattern will be broken. At that time, UnionPay's competition is definitely focused on the higher market share of rivals, "seize" their market share. But in this process, other third party enterprises are inevitably "accidental injury." And for the strength of the general company, a "accidental" bad is fatal.

For this, third party payment enterprises must establish their own core competitiveness, from the simple gateway product price competition as soon as possible to come out. Create new payment needs, solve the comprehensive financial problems in various industries, and make the cake into two or three floors.