Payment from the tool development platform, from the payment link to the industrial chain to expand downstream

Payment from the tool development platform, from the payment link to the industrial chain to expand downstream, to achieve more breadth and depth of service, will become the future direction of development.

Payments, accompanied by human business activities, from the ancient exchange of barter, to the birth of money and to be applied to business, and then to financial activities, pay has been endowed with the property of capital turnover. Since last year, internet finance has been unusually hot, paying has become the focus of this field. Payment has almost become a passport to the Internet financial sector, what is the reason? What is the status of paying future in the Internet financial field?

Alipay: The pillar of Ali Financial mansion

As early as a few years ago, Alibaba Group made a strategic decision to push Alipay from its E-commerce basic service platform to a higher market level. It can be said that from then on, Ali no longer regard Alipay as a convenient payment tool for online shopping, but to report higher expectations. Last year, the promotion of Internet finance to enlighten the role of the balance treasure, it is Alipay's products. Not only that, with the balance treasure almost at the same time, but for a variety of reasons did not set off the same huge waves of "credit payment" is closely related to Alipay. For the above three services, the industry has commented: "Ali with the balance of treasure, credit payments and the original Alipay three services, to achieve the bank ' deposit ', ' credit ', ' sinks ' of the three core functions. "It's not hard to see that Alipay plays the role of a basic platform and a connecting link," he said. It can be foreseen that in the future, Ali's other financial products and services will also be based on Alipay platform. If the foundation of Ali's financial strategy is Taobao, cat two big electric platform, Alipay is to contact this foundation and its financial products pillar.

From Alipay development in recent months, one can clearly see a trend: Alipay becomes more and more like Taobao and the cat, in the form of platform to provide services, banks, operators, and even utilities and other public services like Taobao on the same platform, to carry out a variety of business. For consumers, the benefits are obvious. To buy insurance, tickets and other services as an example, because the transaction between the information asymmetry, personal strength is very limited, can not ask businesses to provide personalized services. Platforms can aggregate information to facilitate transparency of information. The platform can also enhance the ability of consumers and merchants to negotiate and promote equality of negotiations. The development direction of the platform has become more and more obvious with the continuous version update of Alipay.

Micro-Credit Payment: The founder of payment platform

It is the battle between micro-credit payments and Alipay that makes mobile payments synonymous with annual trends. and Alipay compared to the micro-letter by virtue of two-dimensional code, the public account and the application of the payment of three patterns in the field of payment horizontal expansion, not only hope to snatch the line on the dealer's share of pay, but also aimed at paying treasure power is still less than the offline traditional retail storefront.

As early as the micro-letter 5.0 launched, Tencent Micro-credit Products assistant general Manager Zeng has clearly pointed out the logic of micro-letter payment: It is not a pure payment tool, but will, on the basis of its instrumental capabilities, integrate some of the advantages of micro-credit, such as user base, social and open capabilities on the mobile end, Based on the user experience, this paper explores the balance of micro-credit payment service and value. It turns out that micro-letter will pay as a stand-alone platform, but also represents a clearer line of micro-letter positioning: It is no longer a "shake" of social software, but a personal service, experience-oriented life platform. Micro-letter 5.0 not only strictly control the personal account, weakening its media attributes, but also vigorously develop the enterprise account and payment function, trying to break the "platform does not make money" of "practice." Since the launch of the micro-letter 5.0 is prior to the important update of Alipay's trend of payment platform, it can be said that micro-credit payment is the pioneer of the platform of payment.

The intrinsic logic of the platform of payment

The platform seems to have become the trend of payment development. But what is the future payment platform for?

Another domestic main third party payment Enterprise Yi Bao CEO Tang has to his ideal future yeepay payment described as a "pay + Finance + Marketing" service platform. In his view, with the development of Cross-border payments, finance and marketing will become the main area of future Alipay payments.

In Tang's view, the Internet finance can be understood from two levels: the first is the tool level, such as electronic bank to achieve the electronic product sales channels, the second is the platform level, through the network integration of resources and open sharing, this is the future of internet finance military battleground.

Payment has the dual attribute of finance and network, paying to embody network attribute before payment license is issued. In the post-licensing era, after the development of recent years, the payment field has been extended from the previous life services and industry applications to the current network financial services, play a greater role in financial activities. In the future, payment enterprises can be done in two ways. One is to face the merchant side of the financial services. For example, the use of offline payment of the merchant, the transaction can be the existence of the payment of the enterprise, the latter to provide interest or funds and other financial services, the eventual realization of the value-added income part of the two sides into. Second, to the vertical industry supply chain financing, to the industrial chain has funds demand for small and medium-sized enterprises to provide loans. Take Yeepay payment for example, its payment business mainly concentrates in aviation, insurance, travel, game and so on industry, to each industry each chain trade information knows well, therefore can make the quick appraisal to the chain enterprise prestige situation, realizes the fast audit.

In addition, payment is expected to be combined with marketing to become the latter's driving force. The reason is that payment is the core of the transaction, which contains a wealth of information, this information after the integration analysis, can help businesses find business opportunities. "Duo Bao" is a typical foundation on the basis of payment, can help businesses achieve marketing services.

The implementation of the above business model depends on the establishment of a generalized service platform including but not limited to the payment function. This is the inherent logic of the development of payment platform.

From payment platform to trading service platform

Through payment platform construction, payment enterprises can also obtain a large number of customer resources, thus covering more and more industries, variable payment platform for a more broad, high-level trading service platform. You can think about Google, Google is not just a search company, but an information service platform. People come to Google for information, not to search for this action. Users to pay, in addition to the hope that the corresponding payment services, but also hope that the information symmetry, affordable, personalized services, such as more trading services. And the future payment service platform should be able to provide such transaction services, thus developing into a trading service platform.

Similar development ideas may be one of the future directions of the payment platform: the first step is to secure the foundation of the payments; The second step is to provide more financial services; The third step is to launch marketing services. Finally, large data technology is used to establish an open trading service platform.

Payment: The entrance of future Internet finance

Whether it is the balance treasure, or micro-credit payment, or "duo Bao", a large number of Internet financial products and business models are based on payment tools. and payment from the tool development platform, from the payment link to the industrial chain to expand downstream, to achieve more breadth and depth of service, will become the future direction of development. From this perspective, payment will be the entrance to the future of Internet finance, resulting in product services and business model, will be far beyond the imagination.