Move in hand American Express to kill in the far field pay: Stare at "Sea Amoy"

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Original title: Mobile lead American Express to kill the far-field payment

The rapid development of mobile payment, mobile phone, finance, shopping and other industries are driven to a new field, from the foreign Apple, Express, Google to the domestic mobile, UnionPay, micro-letter and so on companies, want to find their own growth point, share a cup of soup. Yesterday morning, China Mobile's CLP and American Express announced strategic co-operation to pay for global mobile payments. In the last few hours, Apple has just launched mobile payment system a pple P ay. The South has learned that at present, China has 269 enterprises to obtain third-party payment licences, and Alipay in China's internet payment and mobile payment in the field, respectively, 49.2% and 69 6% of the market share. This market fight of the tragic, imagine. For the CLP, Apple and other industries to newcomers, the opportunity point where?

Mobile, Apple at the same time into the Bureau

Yesterday, the CLP announced the cooperation with American Express, eyeing the "sea shopping" and "Sea Amoy" army, the launch of "and package" products (formerly known as mobile wallet). It is a comprehensive mobile payment business for both individual users and enterprise users. "and package" users to the account and express electronic traveler's checks to recharge, you can use the electronic brigade to carry out overseas shopping, "and the package" to check the electronic travel balance.

Neither American Express nor the CLP is a general manufacturer. American Express is the world's leading payment service organization, holding the standard of the US bank card industry. And the CLP is backed by the world's largest telecommunications operators ——— China Mobile, the big tree, has access to Internet payments, prepaid card issuance and acceptance, bank card receipts, mobile phone payments, fund sales and settlement of the licence, is currently China's third-party payment agencies to obtain a full business license.

"Our goal is 3-5 years, the annual turnover of 1 trillion, domestic payment industry ranked top three." Guo Xiaoming, chairman of the CLP, said the next step would be to work with domestic banks to implement a number of operations, including the flow of money between the bank account and the American Express Electronic Brigade, and online Hai, and hope to open the Express Electronic brigade next year.

Coincidentally, Apple's iphone 6 was first equipped with an N-FC chip for a few hours, adding "apple payments" to the global mobile payment ——— and of course the Chinese market. There is news that China UnionPay may co-operate with Apple, but the head of China UnionPay has not commented. And Apple's move to pay the feast, there are Express, MasterCard, V ISA three big credit card giants figure.

China Mobile pays annual growth rate of 80%

This is a signal. Mobile payments are changing the payment industry pattern.

Eric Consulting The Pew Internet Survey data found that most Internet experts believe that 2020 mobile payments will replace cash and credit cards as mainstream payment methods. Among them, 65% of the respondents said that by 2020, most consumers will use smart card terminals to pay.

Ai Media Consulting CEO Zhang to the south all reporters analysis, China Mobile to pay the turnover, the annual growth rate will reach more than 80%. And from the global level of development, growth is also very clear, is expected to be about 50% growth. Mobile payments are growing fast and will follow smart phones and O 20 to accelerate development. "This year Wanda, Tencent and Baidu joined forces to develop electricity quotient, as well as the layout of Ali pay, the focus is on mobile payment, the industry presented as ' big participation, market mature, consumer-driven ' characteristics." ”

As of May 26, 2011, the central bank issued third-party payment licences to date, 269 companies have received third-party payment licences, operators, domestic and foreign banking institutions, internet giants and other capital "to seize the food."

But the new players are "giants," but the hills are hard to attack. The data show that Alipay, the electric giant Alibaba affiliate, won 49.2% and 69.6% of the market share in China's Internet payments and mobile payments markets respectively. Currently in the U.S. market in the mobile payment field, into the mobile payment sector, including ebay's PayPal, G Oogle, as well as the square and stripe and other start-ups, the market fight equally tragic.

Chance in the Far field

Early this year, with the emergence of micro-letter red envelopes as a landmark event, as well as the subsequent two large taxi software "Die knock" continued to warm, mobile payments to geometric speed bundled a large number of ordinary consumers. Zhang said, micro-letter red envelopes, taxi software is far-field payments, new entrants in the training of far-field payments may be able to find advantages, for the network payment operators have resources, how the user's enthusiasm mobilized is the key issue. "The mobile payment is just beginning, everyone is still at the starting line." ”

The N-FC that Apple pays is a near-field payment technique. Analysis means that with operators, UnionPay, the bank reached a preliminary development cooperation agreement and a large number of domestic mobile payment mobile phone gradually introduced, coupled with the support of mobile payment of the PO s terminal to accelerate the development of near-field payment conditions are also improving.

However, Zhang says Apple's payment is expected to be difficult to find in China. N F C terminals currently only in some businesses and areas to promote, lack of infrastructure support. "This is also the place where the payment business is more controversial, how is the technical standard defined?" Telecommunications and silver contact for the new people will not be convinced, so, at present, the mobile payment of entrepreneurial opportunities in the far-field payment, as long as an account can be fixed, near-field payments in the domestic still see no bright future, even if there is Apple to join. The