Mobile payment is not popular, how to break out?

Two big things in the recent payment area are related to mobile payments. First, micro-letter with 600 million users to launch the micro-credit payment layout O2O; Another thing is Alipay will charge PC-side transfers, while mobile-side transfers continue for free. In this respect, many media and industry people are feeling: mobile payment is about to explode, UnionPay or will be overturned.

Indeed, micro-credit 600 million users are a large group, but that does not mean that micro-credit payments can subvert traditional means of payment. In the author's opinion, whether it is Alipay, or micro-letter payment, the current stage of mobile payment has not entered the universal stage, the outbreak is not to talk about, subversion is absurd speech.

The general situation of the second quarter 2013 payment system, issued by the central bank, shows that the total number of electronic payment business in the second quarter was 6.245 billion, and the amount was 251.02 trillion yuan, which grew 29.41% and 24.62% respectively. Among them, the online payment of 5.787 billion, the amount of 247.86 trillion yuan, the year-on-year growth of 24.87% and 24.1%; telephone payment 86 million, the amount of 1.08 trillion yuan, 6.07% and 13.53% respectively Mobile payment 371 million, the amount of 2.07 trillion yuan, the year-on-year growth of 274.7% and 363.92% respectively.

In terms of size, the size of mobile payments is fairly small. Admittedly, mobile payments have been growing very fast in the last year, but it will take a long way to get a foothold in the Electronic payment field. Frankly speaking, although the concept of mobile payment is hot, it still faces a lot of difficulties in the actual progress.

Security is still a factor affecting the popularity of mobile payments. At present, mobile payment is usually built on the smart phone hardware device, in the form of client-side hardware to complete the payment. In other words, the mobile payment involves the bank, the third party payment platform and the operator, each aspect appears the mistake to cause the security question. Because of this, many users have doubts about the security of mobile payment, which has become a stumbling block in the popularization of mobile payment.

By contrast, too few scenarios are the biggest obstacle to mobile payment development.

Credit card payments have also become a trend, driven by UnionPay. The reason why credit card and bank card payment method can be highly popularized is closely related to the rich application scene of POS machine. Five years ago, a lot of shopping malls and supermarkets to swipe card; now, big and small businesses and street fast food can pay by credit card, this is the hardware basis for universal card. Looking at mobile payments, the application scenario is still very limited.

It is reported that with 600 million users of the micro-letter payment, currently can only micro-trust this closed system application. Although micro-credit payments can be used to buy beverages, coffee and mobile phone recharge, but the premise is that the business must have a corresponding app with the use to achieve.In other words, micro-credit payment to be popular, must have a strong team to push, in each business installation app to cooperate with micro-letter implementation of two-dimensional code payment. For businesses, the cost of micro-credit payments is much higher, both in terms of maintenance and investment, compared to the POS machines where UnionPay is installed.

to look at the mobile payment based on Alipay, there is also a little criticism of the application scenario. Not long ago, Yintai business group and Alipay wallet reached strategic cooperation. Consumers in Yintai can have no cash consumption, take out Alipay wallet directly in the country 37 Yintai department stores, Yintai City store to enjoy mobile payment services. In addition to Yintai, there are not many businesses that can use Alipay for mobile payments.

It is obvious that the current scenario is quite limited, both for micro-credit and Alipay wallets, which are far too different from traditional bank card payment scenarios. In the future, to the micro-credit payment and pay treasure wallet for the representative of the mobile payment to be popular, must have a rich application scenario for support. Think of the year, Alipay can be quickly popularized, and become the mainstream of third-party payment tools, because of the rich application scenario, because many of the electronic business site can use Alipay payment, this is the key.

In the final analysis, there is no use for mobile payment with a large user size, depending on the size and speed of the mobile payment. Through the popularization of POS and Alipay popularization is not difficult to see, despite the rapid growth of mobile payments, but the situation of less application scenarios, doomed to mobile payment in the short term is still in the popular stage, the outbreak of time.





Copyright statement: This article for the original manuscript, if you need to reprint, please contact me to obtain authorization. Otherwise, I will be held responsible for illegal reprint.

I began to play the micro-letter, welcome to add my micro-letter public number: JIAWEBJN
The latest industry news, the hottest industry insider, stay tuned

Weibo: http://weibo.com/