Payment companies start to get involved in community e-commerce

Each journalist Zhu Dandan came from Beijing

Since the introduction of O2O concept into China, its prospects are widely favored. On the one hand, Ali, Tencent and other active layout O2O, and payment companies are not far behind, began to involve the field of community e-commerce.

Recently, "Daily Economic News" reporter learned that La Kala launched a financial and e-commerce service terminal "shop treasure", with a view to create a community electricity supplier O2O, including self-service banking, convenience payment, living services, remittance and other services.

IResearch analyst Li Chao pointed out that LaCala's business model is the largest source of credit card payments, did not do a better level in the transaction data to dig deeper, in which case, it is to penetrate the field of e-commerce, Is to make up for some shortcomings in their business. At the same time, it has a large number of POS machines. However, because e-commerce is not its main business, its core competitiveness will not be that strong.

For the development prospects of the community e-commerce model, the reporter interviewed many people in the industry there are differences. "Unlike the Jingdong and Taobao departments, the community e-commerce business in La Cala is not entirely a 'business' that is flat but is based on the upgrading and expansion of its original community convenience financial services business." La Cala Sun Taoran, chairman introduced Road.

At present, the existing O2O modes mainly include the following three types: traditional electricity providers (Ali, Jingdong, etc.), mobile social networks (WeChat), community e-commerce providers (La Cala). O2O mode includes the seamless integration of online and offline multi-terminal, such as store terminal, PC terminal, mobile terminal, TV terminal and so on. Although the O2O industry is widely favored, it is still in its infancy in China.

Analysys think tank analyst Liu Menglei also pointed out that the development prospects of community e-commerce depends on the ability to grasp the basic needs of users, how to expand the scale while ensuring operational efficiency and stability, product service providers can support the coverage and Single order service low mode.

Liu Menglei said that in the future there will be several small-scale vertical e-commerce-based and community-based e-commerce platforms that have strength in a small area. Both of these modes are difficult to scale due to their large scale, but the market High value and demand, the likelihood of being acquired is high.

For the prospects of community e-commerce, Li Chao told reporters that unless the current community has entered the field of e-commerce operators and business models have disruptive innovations, so that other large e-commerce platform is difficult to enter, or once Jingdong, Taobao, etc. into , They have no big advantage at all. Community e-commerce is a new-born thing, but the value is not as big as imagined because there is a lot of potential to be tapped in the O2O business sector, but mining has not been particularly successful from all O2O-doing businesses.