Mobile paid, who would be the ultimate winner

Ali and Tencent layout in the end is actually in order to compete for moving the bottom of the payment entrance! The author privately, although the two sides competition is very fierce, but both sides in their respective areas of hegemony and unshakable, in this confrontation will be difficult to separate an absolute outcome, so in the confrontation between the two sides, Ali and Tencent will not defeat, And maybe only the existing banks. And as the last straw that crushed the bank, the pay under the moving end comes from Ali and Tencent, which will eventually lay the distribution of the payments market under China Mobile and will revolutionize China's existing banking system! Of course, this is only the author's private view.

Then why do I think so, I from the following aspects for you to analyze:

First, the mobile bottom of the payment trend is not reversible

With the popularity of smartphones, and mobile end of the mobile phone applications more and more powerful, has been in the intangible change in our lives, think of our life now, the morning to get up, work on the road, working outside, a day of meals, home from work, are inseparable from the mobile phone! So everyone is feeling: mobile phone is like our water, air, Food has become a necessity for life, and relies far more than any previous product in history! With the help of the popularity and popularity of smartphones, many aspects of life have been virtually invaded by mobile phones into our lives, consulting, games, shopping, entertainment, payment, maps, Social and so on through the mobile phone more and more popular, the market is getting bigger!

The payment on the mobile side is just one of the sections, and this is the market's largest, the most benefit of a section, think if we go out to play can be paid by mobile phone (has been achieved), bus can be paid by mobile phone (has been achieved), restaurant meals can be paid by mobile phone (has been achieved), shop clothes can be paid by mobile phone realized), massage and washing feet can be paid by mobile phone (implemented) ... 所有我们生活中现在的场景都可以用手机支付来实现，那我们还需要带钱包吗?我们需要带银行卡、会员卡、优惠卡吗?我们需要银行吗?我们的钱为什么还放银行呢?为什么不放一样安全并且收益更高、更方便的余额宝中呢?我找不到理由...... Of course, the above payment scene is still local area, and no national popularization, but this is the trend and trend, no one can stop!

Moving the bottom of the payment so that you can cultivate a payment habits, like the same year's credit card consumption, now credit card, the future of the mobile phone, credit card money is to deposit the bank, Brush mobile phone money is to save the balance treasure!

Second, the rise of the younger generation, will abandon the bank to embrace balance treasure

After my wife and I used the balance treasure three months, we put 90% of the money has been placed in the balance treasure, now if there is a need for cash, the direct transfer of money to a most commonly used in the bank card, directly to pick up on the OK, very very convenient, and the balance of treasure has given us so high income, I do not have any reason to refuse, of course this is built on my balance treasure risk is no worries!

I believe my family is like this, then there are many friends, a group of online shopping cheap, also gradually in this direction, of course, most of the wealth of society is not in the hands of the people, so now the balance treasure deposit is only more than 200 billion, but also gradually become the creator of wealth, If everyone is not in a hurry to buy a house, Money does not deposit a bank, I would like to ask what the current bank to survive? And when generation or even younger generation have accepted the balance treasure, move the bottom payment, that will have more old life to save the money to the balance treasure (of course, in addition to the balance treasure, Tencent, Baidu, NetEase and other giants are also in the introduction of the class Balance treasure class products. , then I would like to ask the money in the bank to the balance of the treasure, the bank depends on what money?

Third, what does the bank take against Ali and Tencent?

Faced with this irreversible situation, how can banks fight Ali and Tencent? In the past, with the protection of the Government, the government does not allow the emergence and promotion of the third party balance treasure, of course, will not appear today's dilemma, but now the government is not protecting banks, and encourage the development of private banks, allowing banks to fail, This series of policies has made it clear to us that the State has realized that the monopoly of state-owned banks is not good for the society and the economy, and that the determination to change the situation is completely changed.

Without the protection of the state, how can our state-owned banks face the onslaught of the internet giants such as Ali and Tencent? In particular, Ali, Tencent they do not only do the internet and they have been in the Internet financial sector has been laid out for nearly a decade, the Decade of accumulated financial sector of the system, talent, Credit and so on are no less than the current state-owned banks, the most fatal is that our state-owned banks do not understand the Internet finance! Even if they do, they are only forced to change, and how is this transition compared to these giants who have been in the forefront of innovation and competition?

I think that right now the state-owned banks, if the country is all open, they simply do not have the strength with these it giants a fight of strength! So I think: the balance of the treasure line under the death of the bank to pay crushed the last straw.