O2O POS machine will be the most effective entrance to mobile payment

Mobile payment Once the entrance is opened, then the entrance of the O2O is also launched, more service scenarios will be online offline to achieve seamless docking, and who entered the market first, become the possessor of the terminal, who may become the mobile internet era of "Alipay", or even reopen the shuffle of third-party payments.

Wen/Zhang Shule

Known as the O2O year of 2014, is now in a very awkward position. Online traffic and ground physical store sales are placed there, can link the mobile payment has been slow progress. Tencent and Ali spent hundreds of millions of on a taxi war, but still no curve to cultivate user habits. The industry is pessimistic about this: relying solely on third-party payments or social networks, want to pass on the habit of online payments to mobile payments, not just by throwing money, but also need a subversive innovation.

Does it say so? Not。 The current quietly rising third-party payments handheld POS business, may be able to open a path, but also a simple version.

The biggest selling point of POS is the habit

Let's imagine a scenario where payment seems to be a hassle when you find a small façade nearby to offer a car wash in a O2O mode. But just 2 people in the car wash shop, the shopkeeper took out a handheld POS machine, Bluetooth connected to the smartphone, you can in the application, the Customer Self-Service bank card payment, even the signature is also done on the touch screen.

Similar scenes can appear in the phone recharge, game recharge, water and electricity fees, air ticket booking and other local life services, and can move around with people. Take the simplest express "cash on delivery", courier and customers will be able to no longer worry about change.

This will be the original limited POS payment, into a mobile payment mode, but also more in line with consumer habits. After all, in the present, the bottleneck of mobile payment is in the number of user-bound bank cards, the security of online payment is worried, and online payment habits difficult to reverse.

And this push POS machine mobile payment breakthrough mode, currently in the domestic has begun to sprout, some third-party payment companies also have related products on the market, such as Shenzhen good Music launched the "Shake and Pay" and "vPOS", as well as the "Lakara", and launched a fierce market competition, such as good music to launch the " You swipe me to send POS machine "and other market expansion activities.

Industry insiders also said: This will be traditional POS machine and mobile payment characteristics of a new model, will be enough to let O2O really connected to the atmosphere.

But this is not the only opportunity for mobile POS machines and their users ...

Mobile POS machine is a huge blue sea

According to statistics as of 2013, the average of our country has 13.7 pos machines, and E-commerce developed countries such as the United States and 179 Taiwan and South Korea's 625, the gap is huge. Corresponding to this, the Chinese bank card user groups and the large number of cards per capita growth, as of 2014 the first quarter of the national cumulative issuance of bank card 4.391 billion, bank card per capita card volume of 3.37. The huge amount of cards and the large number of small pos machine ratio, so that the card consumption scene becomes extremely limited.

At the same time, according to the Ministry of Commerce Department of Circulation Development data show that China has more than thousands small micro-merchants exist. Compared with the above data, we can find out how to achieve fast and smooth payment, especially mobile payment, for consumers and businesses, is an extremely urgent demand. And who can take the lead in providing solutions, can inspire those small micro-entrepreneurs, better for consumers to provide a unique service scene, and the formation of a huge blue ocean.

It is obviously not enough to support the blue sea with the user's custom. A lot of Third-party payment company's mobile POS machine, has introduced a convenient personal handling business, convenient small micro-business funds flow of T 0 to account (the same day to the account card). But it is not enough to deal with the homogenization of many third-party payment platforms that are pounding the blue sea, and to return to the aftermath of the copycat hurricane of Tencent and Ali. Electric dealers, group buying, mobile applications, mobile games and other markets, has already provided a painful lesson.

Disruptive innovation is not necessarily a hardware revolution

In many people's minds, subversive innovation is very magical, and more people only technology, the subversion of innovation as a hardware revolution. In fact, the true meaning of subversive innovation, not necessarily very big, but must be in the idea of alienation with others.

Return to Mobile POS machine, its innovation in the hardware will not have too much space, only in the service and experience for the merchants to find the core point of differentiated competition.

To Shenzhen good Music Charge (haolepay.cn) launched the "Shake and Roll Pay" and "vPOS" for example, its essence is not a POS mobile simple version, but through innovative ideas, become a more effective user service and experience platform.

In the service for the merchant, Mobile POS machine's main users are placed in small micro-enterprises and entrepreneurs, and good music is to see a key node, that is, not only to allow businesses to collect money convenient, rapid flow of funds, but also to enable businesses through the flow of money to solve a deeper problem of capital turnover. Can loan the POS machine, obviously lets the merchant have the more intuitive choice.

And in terms of user experience, according to consumer habits, launched the "Shake and Roll" function, similar to micro-letter "Shake", you can let users directly installed in the mobile phone or flat on the client, no card without POS mode, to achieve a shake payment, reducing the complexity of the process of payment. Of course, this additional mode, also become to promote the weapon, can let its mobile payment products, more user bonding.

Mobile payment Once the entrance is opened, then the entrance of the O2O is also launched, more service scenarios will be online offline to achieve seamless docking, and who entered the market first, become the possessor of the terminal, who may become the mobile internet era of "Alipay", or even reopen the shuffle of third-party payments. The key point is only in the current state, who can provide better service and experience.