Mobile payments continue to heat up, third party payment enterprises should seize the opportunity

"Sadie Network" as we all know, the development of the economy has brought about the increase of people's socialization time, followed by, people for mobile terminal equipment demand and dependence is getting higher, if each device is compared to a payment entrance, there is no doubt that the opportunity of mobile payment greatly increased in this era. Recently, the Enfodesk think-tank released the "China Third party pay market quarterly monitoring Report 2014 4th quarter", data show that the fourth quarter of 2014, China's third party payment market mobile payment transactions reached 2.6898 trillion yuan, the chain growth rate of 31%. As a result of the "double 11" and "double 12" shopping carnival, mobile shopping and transfer have become the main driving force for the growth of transactions, while the share of the mobile banking business has gradually stabilized.

It is understood that there are currently more than 269 third-party payment agencies with payment licences, coupled with the need to reform and innovate traditional banks, pay the fierce degree of competition in the market imaginable. In the mobile payment of the Enterprise Army, Alipay and micro-letter payment has been in the leading position and occupy the majority of the market share, other third-party payment enterprises such as UnionPay business, Lakara, etc. also in the industry for many years, occupy an important position. But despite the urgency of the situation, there are still companies to "kill" the Siege of the Dark Horse--in November 2014, the Enfodesk think-tank released the "China Third party pay market quarterly monitoring report of the 3rd quarter of 2014", which repeatedly paid 1.46% of the market share in many enterprises stand out, Squeezed into the mobile payment of the ranks of six, while repeatedly paid in the three-quarter application to pay the turnover of tens of billions of yuan, to 8.08% of the market share occupy the top three in the industry. In the fourth quarter of 2014, the volume of paid transactions continued to climb, into the mobile payment of five strong, and in the application of the field of payment continued to force, the market share grew to 8.61%.

During the spring Festival of 2015, "Rob red Envelopes" has become a new way for people to communicate feelings and blessings, as a third party payment industry giants Alipay and micro-credit payment has undoubtedly led to the development trend of the industry. It is clear, however, that for small and medium-scale payment institutions, there is little chance of continuing to plough the Consumer-to-consumer and the Business-to-consumer payments. and repeatedly paid at the end of 2013 only formally for the market, its beginning has been found to its own positioning, adhere to the "mobile first" development strategy, and to b2b2c the differentiated route to open the market pattern, with stable and excellent products to win the market and the recognition of merchants to achieve breakthroughs. In the second half of 2014, internet finance gradually migrated from PC to mobile end, which made it possible to pay a large and sustained increase in the volume of mobile applications.

At present, in addition to mobile payment, online and offline payment means of continuous integration has gradually become the industry characteristics, from the 2014 "Taxi Software Burning Money war", to pay treasure "double 12" sweep code activities of the hot, all show O2O charm and trend. November 11, 2014, Auto held a double 11 car-buying festival, the first to launch a full online car, the real name of the vehicle's activity model, and repeatedly paid as its mobile end exclusive payment channels, through its online and offline connection channels, to achieve a stable and convenient O2O service. In the coming 2015 years, O2O payment scenario will be more attention of the industry, Third-party payment enterprises how to seize the opportunity to make a breakthrough in the market share, may become the most interesting topic this year.