Paying off electricity dealers is the secret of success?

The news that ebay is brewing to split PayPal has again become the focus of public opinion. What is the intention of ebay to divest its payment business?

First, there needs to be a clear concept, in the structure and framework of the electric business, the operation between the merchant, merchant and platform is initiated by the guarantee and credit intervention of the third party, especially in the case of the initial market credit and the breach of contract, the payment guarantee derived from the electric business platform, That is, the third party payment formed in the late period, has become a key factor for the operation of the electric business ecology. Can imagine, if Ali did not through third-party payment means to achieve the customer and merchant between the letter, perhaps the electricity trader is still in a relatively slow climbing period.

Second, with the rise of the Internet financial business since 2013, in fact, the most important driving force is the third party to pay the pooled funds, for users, this money in the baby products before they can not enjoy the return on interest. And the deepening of financial reform and innovation, for the Electronic Business Platform for the financial provision of such an opportunity, in the balance treasure of a gun and red driven by a variety of cash and customer stock platform have begun a similar attempt. Today, whether it is the electric business finance, or Peer-to-peer, the public, where the third party payment is a very core of the industrial sector, or the core of the steps.

So, for ebay, its PayPal business is the need to split, after splitting, on its own independent operation whether it is good. From the history of PayPal, it is not the electricity business ebay set up its own, but the external acquisition, so that has lost a certain degree of independence. It was founded in the late 90 and was publicly traded in 2002, and was bought by ebay for 1.5 billion dollars shortly thereafter. By the end of 2013, PayPal had 143 million active users, up 16% from the end of 2012.

With the development of today's mobile payments and Internet financial trends, a payment platform, often can not use the traditional camp and front to determine the layout of the business, but need to break the shackles of this system, to pay the platform of their own interests for consideration, and gradually more scene payment laying and online platform cooperation. In fact, for PayPal, the acquisition by ebay, in the early stages of development is advantageous, can quickly intervene in the ebay platform of the electronic trading link. However, in the post-Electronic business era, especially in the mobile trend more and more mature today, it is necessary to consider from the logic of the electric business jump out, go to more offline scene. In this respect, domestic Alipay and micro-letter payment has begun to vigorously layout line of the sweep code to pay, rather than guarding their own electric business platform so an acre of three points.

Then, the domestic market for PayPal I am afraid there is no need to say, for national security and domestic Third-party payment company's strict rules, the internal third-party payment is mainly internal companies as the background. So in foreign countries, at least in the United States, PayPal now split out, whether it is a bit late, which needs to analyze the local online payment market composition.

Theoretically, after the PayPal separation from ebay, both sides will pursue their own independent goals, mutual interference. This is important for PayPal. Because the United States has a competitive threat of third-party payment companies have been increasing, there is a new apply Pay, and Amazon and Google also have their own payment tools, in addition, because the United States and supermarkets in the overall volume of retail goods in the proportion of larger, generally will have their own convenient payment methods, Either set up a special payment company, or with MasterCard, Visa and other cards to organize cooperation, basically the payment process is also very convenient.

Therefore, although PayPal still occupies an important market position in the United States, but both the United States and international status, are beginning to appear a decline. As early as 09, the number of Alipay users reached the first 200 million scale, and announced Alipay has surpassed PayPal to become the world's largest electronic payment platform. Since then, in the international market, Alipay has been in the lead, in 2013, PayPal's total transactions over 179.6 billion U.S. dollars, mobile end of the total payment of more than 27 billion U.S. dollars, of which nearly half from the EBay platform, and as of March 31 this year, the 2014 fiscal years, Alipay's total deal has reached $623 billion trillion, which is several times the size of PayPal.

From the domestic market, although the short term is still the second largest third-party payment media, but the subsequent Amazon and Google, Apple are pushing their own payment tools, especially Apple, after the introduction of the Apply pay, began to vigorously in the national layout line of the cooperative store, vigorously explore the application scene, and has been in contact with Alipay, hoping to cooperate in international business. For PayPal, in fact, is already in the situation of internal and internal. And at this time will pay business from ebay out, perhaps the biggest advantage is to get the business of "free itself", without scruples about the feelings of the old club, according to their own market development plan, a more extensive scene and mobile payment layout.

Therefore, for business in Europe and the United States mainly PayPal, although in the Asian market lacks enough market influence, in the total revenue the proportion is not big, but after all, grasps the European and American market dominant power, in now this moving and the scene air outlet, carries on the business the stripping perhaps also is a good thing. , after stripping PayPal can be Kaniko and international business attempts to cooperate with Alipay, or through more aggressive means to use capital operations to intervene in other weak links.

In the case of Third-party payments brewing on the platform of Electric commerce, it is inevitable that the problem of separation will be faced after the growing up, because the electric trader trading of its own platform cannot meet the need of paying for expanding business, but it will cause some kind of camp or system restriction. While the trend of mobile payment is more and more revealed today, under the impact of various models of internet finance, the convenience and scenario of payment means will be a big market in the future.

For third-party payments such as PayPal, should also adapt to this mobility and the scene of the business needs of the extension, the function of their own independent, to pay for the media, into more online and offline ecology, perhaps this is to pay the company's mission, rather than confined to a specific industry, Be busy in the middle and lose the best market opportunity.

Source: Gold Rating Media

The article is only for the Personal Study Institute, if the infringement of copyright matters, please inform, in order to promptly delete