Pengley: It still takes 35 years for mobile payment to become a real trend

Absrtact: Pengley: Mobile payment really become a trend still need to August 27, 35 noon news, 2014 China Internet Conference from 26th to 28th held in Beijing. At the meeting, the Director of Excellence Magazine Song and the CEO of Small Micro Financial services group, Ms. Pengley, the theme of the industry
Pengley: It still takes 35 years for mobile payment to become a real trend

August 27 Noon News, 2014 China Internet Conference from 26th to 28th held in Beijing. At the meeting, the talent magazine President Song and the small Micro Financial services Group CEO Pengley, the theme of "Industrial Cross-border innovation development" dialogue. Pengley said it would take 3-5 years for mobile payments to become a real trend. Referring to the controversy between the real economy and the fictitious economy, she believes that many traditional enterprises have made many innovative attempts in the transformation, and the emerging network economy should be awed by them.

The following is a transcript of Pengley's dialogue with the moderator:

Li Hong: The end of this morning's keynote speech, followed by the dialogue link, the theme of "Industry across the border, innovation and development." The two ladies are Ms. Pengley, the other is a very wise media leader, Ms. Song, two women's dialogue theme "sketch Pengley: Breakthrough Imagination, the future has come." Let us applaud the Director of Excellence Magazine Song, ladies and gentlemen: Ms. Pengley, CEO of Small microfinance group.

Song: Ladies and gentlemen, good morning! I am very happy to be here, the first time I came to this Internet conference today, the first reaction is that I and Pengley are wearing too much, because those girls at the door show the hot summer. But I hope that the topic we are discussing today will bring you such a fiery. In fact, today's topic at the beginning of this year's media controversy is a lot, is that mobile life is not really already come? I remember this spring in Shanghai to discuss, Pengley said if this cup of coffee let me pay, must be able to brush Alipay, because I do not carry a wallet, I believe that may be in Hangzhou mobile payment than Beijing more obvious, today you come to bring your wallet?

Pengley: Today really did not bring wallet, just Xin said the topic, actually I tried three or four years ago, one afternoon, I did not bring a wallet, successfully bought a CD, bought a scarf, to my child bought a dress. How do you do that? In fact, many people do not know Alipay can buy things online, I asked him, you have not paid treasure? He said yes, I said I would give the money directly to you. I find that my habit of not carrying my wallet is getting stronger.

Song: The scene does not carry a purse hand, all hands are young, no matter how old, but we walk in the forefront of life. In fact, the first half of this year's discussion of mobile life, what is the standard of mobile life is quite a lot. I myself understand that the freedom of life has two latitude, one is the freedom of finance, one is the freedom of time, may be money and time is the largest of our current two elements. However, from the point of view of the controversy, everyone to the entire Alipay brought by the heart, everywhere, at any time, carry, feel, this feeling I think there are some people do not feel deep. So, I would like to ask Pengley first to talk about how you feel that this little bit of what you have done to our lives will bring about the major convenience of mobile life, and what kind of change will it bring?

Pengley: Before answering this new question, let's say two words that have nothing to do with this question. In fact, I really rarely participate in such activities, this is not to say particularly lofty, or feel how, in fact, is not. I think I'm really not very good at talking about such a big topic, especially the idea of a future, and then it includes a refinement of what has been done in the past, the meaning of it, which I think I'm particularly scared of, and I'm particularly bad at talking about it. What do I like better? Just this question, in fact, I prefer to return to the present what we need? I am paying treasure, we pay treasure this year 10 anniversary, we have been speaking, I most want to see is said, Alipay he can help us to solve some of the life of some particularly small, but particularly inconvenient needs. Then, let it feel that I can be so convenient, I can still so cool. I think this is the greatest value of our existence. Like Taobao 2003 years ago, a lot of people in the online shopping in the heart is very worried, I said we think of a simple to a little silly idea, is a guarantee. I give you a transition, the seller also rest assured that buyers are also assured. In fact, today in the mobile internet era, we also face the problem of who you have created what value, the value of which you do not rush to speculate on how it is going to bring about a change in the future, to subvert all the past, and then create a new era, to open a fresh pattern, that is too early. You answer, you usually spend money on the money, and then take out a bank card, or take cash, and then back to all the details, and then to understand what you can do with your mobile phone. I think we are facing the mobile internet age, especially the mobile payment era, when everything returns to the smallest value chains of detail and present.

Song: What the phone really can do for us, we today through the introduction of Pengley, we return to the topic of comparative grounding gas. Let's look at what Alipay has been doing for the past two years, and we can see O2O such a fashionable concept is not really able to hit the ground? In fact, the first half of the mobile phone can do, you have and many entities of the electrical business cooperation, to achieve your expected effect?

Pengley: In fact, we made a lot of attempts in the first half, we also see the future business district, the future of public transport, future hospital, future schools. Made a series of future attempts. Why "Future" as the theme? It is not yet the whole of our lives. But since we've seen the mobile internet coming, it's the kind of scientist that exists that makes it easier to live with a cell phone so that everyone's value feels better, so we're in this field. Like the future hospital, you want to line up in the hospital, tangle it, pain, you have registered here, queuing up payment, take medicine line payment, laboratory line payment, we hope that in the future on the mobile phone can not go to line up, you registered, your doctor, all the costs can be very easy, people in the queue, You can take care of it on the side.

So, similar to the future Business Circle, the business district is the same, you go to the shop there, sometimes like a girl, a big bag to buy things, but also how to carry back, you still have to sing karaoke, or eat, I carry the bag is particularly unhappy, how and online logistics to get through, so that businesses in the store in the inventory down less, He didn't have to put the goods in the store and send it directly to the customer's house. Some small needs like this we see, and then we try to use the mobile means to help him to do the implementation. So now we're all doing this and a lot of the results are interesting. There are some things you would like to do, but this may not meet your expectations, but it will bring some new value. We see in the mobile life, the future life concept below, in Hangzhou has a very interesting small phenomenon. In some parks in Hangzhou, many people on the side sell mineral water, is to do morning exercises, running, and then those vendors to pay treasure purse to collect money, because the runners usually do not bring a wallet, but will carry a mobile phone, so these needs, in many places, in the light of our candle can not be taken place in real. Including many of the morning selling fried dough sticks, selling dumplings, many people do not want to collect money, it becomes a two-dimensional code, said that the scan can pay, two dollars, take something to go. So, see a lot of this change under this tide a little bit in the growth, I think this is actually the most vitality of the future life of a beginning.

Song: Actually I just this question more is a kind of question, because my Alipay more function is to pay the bill to the son, perhaps I am too old. But I really haven't had the experience of paying the bills in Beijing yet. Manufacturers also complained to me, this is very good, but they do not get rid of the tail goods, and did not attract the customers they want, this is also hope that today you can give me some answers, why O2O said very hot, yearning also a lot, but in fact the real landing of this feeling has not.

Pengley: Behind a trend, in fact it is a habit and a value based on human nature. First of all, habits, a change in the habit is not so easy. Today we say the habit of communication, now we have a variety of communication methods. However, in the long history of mankind, even the station, to write later, to call later, to the current instant communication, experienced a lot of time, slowly evolved. However, with the development of new technology, we see this time is shortened. Even if it's shortened, I think it's really going to be a habit if you put this mobile payment into the history of time. Back to my restaurant to eat, shopping malls, everyone can think about the moment you think the most need to complete what is it? Do you think the phone will pay, or where is the cash? I don't think it's a bad song, but I think it will take time to change and cultivate habits.

And what's behind the second habit? is actually a concept of value, a concept of appeal. And this value and demand, I think now many times we do a lot of things are still very urgent, reflected in where? We will use the interests to mobilize the needs of everyone, but in the long run, the stimulation of your interests can support you, so I think you can use some methods, but more importantly, what kind of value are you creating for him, and whether or not, as I just said, I don't have a wallet when I run, But I'll bring my cell phone. This value is actually the human instinct, the most essential of a demand response. This ability actually determines many of our entrepreneurs, practitioners in this round of the tide can not win, rather than want to think about a particularly big thing, think it can change everything, this I feel not very reliable.

Song: Just now Pengley also said that change is a habit, the fundamental is the expansion of experience value. When there is enough differentiation, it is possible to go in this direction of value convergence. So, I want to let Pengley predict, you think in Shanghai, in Beijing, how long can reach the level of mobile payment like Hangzhou? Then you can write down, if the following has won, can be on Weibo, won, you can find Alipay to pay for bonuses, please Pengley forecast.

Pengley: In fact, I do not think that Hangzhou is now so popular, in fact, this also has a long way to go. But, my own feeling, mobile life, mobile payment to form a trend, I feel at least 35 years of time.

Song: Is Shanghai faster than Beijing?

Pengley: it should be.