Operator layout Internet finance behind: strengthening its own mobile payments

Communication operators in the voice of the era is the leader of the industry chain, once upon a time, operators to provide value-added services and small payment channels, so that Tencent, Sina, NetEase, Sohu, air network and other overseas listing of the so-called Chinese concept stocks salted fish. And in the current OTT business, operators face the pipeline squeeze, on the carrier industry chain dominant position is still in full swing. Telecom services based on number resources are undergoing a new round of shifts, targeting internet finance. Vodafone's Today's sale, known as the world's most customized communications products, has been a subject of social concern since its release on 6th. Tencent technology also learned from its reservation website that as of 8th 17:30 P.M., a short period of two days and a half of the reservation, already more than 100,000 of the users have booked the rich products. At the same time, the sale of the rich will be officially opened this 8:08. It is understood that at present, Vodafone is mainly aimed at users to buy machines, prepaid charges in the process of the precipitation of funds, investment methods, including financial delivery machine, money management, exclusive financial management, such as three kinds. Among them, in addition to the Guangdong Unicom 3g/4g after the paid users of exclusive financial management can be free access, no need to freeze, the first two types of investment need for users to purchase, prepaid fees and other funds to carry out a certain period of time frozen. The first batch of models included in the financial delivery range include apples, samsung, millet, cool faction, Huawei and other 13 popular models, and the way of prepaid money, it provides 1000 yuan, 2500 yuan, 5000 yuan, 1000 yuan four files, users successfully freeze the phone and share the additional 2%-3% of the fund share gift , the donated funds can also enjoy a return. It is reported that the rich will be online channels and physical channels for sale at the same time. At present its annual rate of return is over 6%. After the operator's layout, the communication industry is confronted with a series of challenges, such as OTT impact, declining population dividend and increasing battalion. Changes in the market environment, so that some still cling to the original boss thinking practitioners repeatedly hit the wall, but also let another part of the disorderly Shing of the practitioners have a suspicion, ignoring the operator value and the maximization of user value. In fact, the current market has scattered the target user communications account of the financial products, just as the other mainstream financial products channels, lost the operator in which the right to speak. Vodafone is not the first telecoms operator to launch a wealth management product, prior to this, China Telecom (Weibo) has launched Tim Yick Bao, but Vodafone is the first to telecommunications financial products, and Baidu wallet deep cooperation, is the telecommunications operators, internet giants, the first Cross-border financial industry cooperation. As a communications operator of Guangdong Unicom, on the one hand, let go of the boss thinking, state-owned enterprises thinking, with flexible posture and a variety of market subjects to achieve a win-win cooperation; On the other hand, through innovative product concept and design, the value of communication number resources is fully tapped, and the basis for continuous In the present period of the great potential of information consumption upgrade, the window of opportunity and challenge facing the transformation of telecom operators, telecom operators layout Internet finance not only outlines the operators in the post-voice era to strengthen the import value of the direction, but also with its own flexible posture and to the boss of the cooperative thinking, once again interpreted the telecom operators are transforming to the integrated service provider. In the traditional era of communication, operators to launch products and services, users to buy on demand, is a natural mode. If this is a user pay mode, then in the last 10 years, the operators through the purchase of telephone calls, the use of telephone bills, etc. to reduce the user threshold of the business model, it can be called free mode. Take an iphone as an example, the user to save a certain amount of phone calls and choose the appropriate package, you can achieve 0 yuan purchase. The carrier launched the communication of financial products can be said to be after the payment mode, free mode, opened a new type of communication service value model, that is, the money-making model, the core is the user at low cost or free access to the carrier's communications products and services, but also to earn extra profits for themselves. Can you shake up a financial product? At present, Alibaba balance treasure, Tencent Tenpay and Baidu and other financial products are the important role of internet financial market, after the entry of telecom operators can successfully kill into the market and get a cup of soup is still unknown. From the product form, the existing Internet company's financial products compared to the operator's simple, more transparent capital access. If Tenpay users directly transfer money to the Internet platform, you can calculate revenue. And the product that the operator launches, often is the promotion type buys the handset, pays the telephone bill and so on, but also must participate in its contract plan, but has the advantage is, the finance also can obtain the popular handset. For operators in the financial management market intention, some insiders said the move is to promote the development of their own mobile payments. As early as the end of December 2011, the subsidiaries of the three major carriers were granted third-party payment licences, but their subsequent development was unsatisfactory. If operators can use their accumulated customer data for years, they can even be used to open banks.