"Next 5 billion" BAT's mobile payment dream

Up to now, the total number of mobile internet users worldwide is more than 1 billion, meaning that mobile internet has or is changing the way of life of 1 billion people. But at the same time, 5 billion people have not been "moved". Moving the future is moving the "next 5 billion".

If the taxi application war is "the first battle of the Internet industry in World War", then the mobile payment is bat (Baidu, Alibaba, Tencent) has already preempted the Highland, and the next battle will be between hundred pay, Alipay and Tenpay.

Mobile payment provoked O2O "beam"

O2O (online to Offline, from online business to offline services) battlefield is no longer only the Internet players, financial institutions have long been filed. and payment as to provoke the link of O2O beam, the significance is very.

At present, China's mobile payment business is in a period of explosive growth. According to the Central bank statistics, in 2013, domestic banks to deal with mobile phone payment business 1.674 billion, 9.64 trillion yuan, respectively, increased by 213% and 318%, the payment agencies to deal with mobile payment business 3.777 billion, 1.19 trillion yuan, respectively, increased by 79% and 557%.

Xuewen, the party secretary of Beijing Financial Bureau, said at the 2014 Global Mobile Finance conference yesterday that the economic model based on mobile internet would be the core model of the future economy. "Mobile internet is the mainstream carrier of mobile finance, and the development of mobile finance is inseparable from the government's promotion to the mobile payment industry," he said. ”

The director of the People's Bank of China's settlement division said yesterday that in order to ensure the stability and efficiency of the development of mobile Internet, government departments should play the role of promoter, coordinator and manager in promoting the development of mobile payment industry, and aim at protecting the legitimate rights and interests of consumers ' capital security and information security.

In view of innovation and boundary problems, Reed also said that in order to respect the Internet finance, encourage innovation, prevent risks, avoid harm, healthy development as the overall regulatory requirements, adhere to the principle of moderate supervision, coordination of supervision, innovation and supervision, both for market innovation and development of room and space, and avoid a vacuum, At the same time, hold on to the bottom line without systemic risk.

The idea of the mobile payment of bat

The rapid and explosive development of mobile payment also goes through the process of diversification of market subjects. Along with the market division of labor and the extension of industrial chain, mobile payment market participation type is more and more, in addition to the commercial bank payment agencies and bank card clearing institutions, the Internet giant is to step up the horse race enclosure.

At yesterday's 2014 Global Mobile Finance Conference, BAT launched a dialogue on mobile payment layout strategy and the next detailed idea.

Tencent, backed by micro-letters, hopes to seize on the rapid development of mobile Internet, so that user experience and habits in the mobile end "everywhere". Tencent's strategy and next ideas, Tencent Tenpay general manager Rei Zhiming two cases to explain, one is micro-letter red envelopes, a lot of users will play a good social interaction. Future mobile phone like wallet, in addition to payment also includes merchant points, coupons and more geographical information, there are more scenes online and offline can swipe, financial payments will be the future of the blooming state. Another case is the open platform of micro-trust to traditional finance, so that more financial institutions together to develop Internet finance.

and join hands Baidu wallet admission Baidu Idea is to achieve by "Baidu, you Know" to "Baidu, you get" change. Zhang, general manager of the pay, said that payment in the mobile era should be based on a shift in the core value of business. From the demand side, the most important thing in the mobile age is in the various 纷纭复杂 scenarios, how to let users find his needs more quickly, in the process of payment plays a very important role, according to its introduction, Baidu has 14 users of hundreds of billions of apps, will be deposited in Baidu Wallet payment tools.

The first to pay in the third party to lay a world of Alibaba from the more ambitious payment industry chain and payment system construction, Ali small Micro Financial services group related officials said, with the rise of new electric dealers, pay demand to 50% annual growth rate of rapid increase, the entire payment system should have a long-term plan.

He said the challenges to the payment industry include lowering the threshold for users to enter, improving the success rate of payments, dealing with the capacity of volume trading, safeguarding the security of customers, and the ability of customer service, while the payment industry chain requires technological innovation to improve overall efficiency. The improvement of payment efficiency depends not only on the efficiency of individual payment institutions but also on the growth of the whole industry chain.