The area of Internet users ' payment will be diversified

According to Eric Consulting, China's Internet users in the field of online payment is diversified, online payment methods have been applied to the residents of many areas closely related to life.

Online payment application area concentration decreased

In contrast to the 08, 09, the user online payment application data began to find that although online shopping is still the most mainstream payment applications, but the user use ratio from 08 to 83% down to 09 75.5%; instead, 09 credit card repayment, purchase ticket, Tourism payments and other areas of the application of the proportion of the increase in 08, the proportion of credit card repayment from 08 of 6.7% rose to 09 23.2%; The proportion of tickets purchased was increased from 11% in 08 to 20.1% in 09.

At the same time, the proportion of living expenses closely related to user life rose from 13.5% in 08 to 15.9% in 09. Eric analysis that the current Alipay, Tenpay and other core payment enterprises to support only some of the urban public utilities pay, the future of the service is expected to promote more cities. But because this area does not have the widespread extensibility, the operator and each city's municipal department consultation separately, in the promotion cost big expenditure, thus the growth is slow.

It is noteworthy that in the field of Internet finance, in addition to insurance, there are also payment companies began to try to be more sensitive fund sales. The proportion of investment and financing products such as stocks and funds rose from 5.9% in 08 to 15.3% in 09. Although the current online funds to the various fund sales platform, Third-party payment platform has not been deeply involved in the industry, the majority of third-party payment enterprises to make funds only channels. But the fund is one of the important products of the financial industry, the market potential of the online fund is huge, before the third party pays the licence, no other laws and regulations have a clear definition to the third party payment intervention in the industry, the area is still the grey zone. After the policy is clear, if the third party payment is allowed to participate in the operation of the online fund, it will be a blue ocean.

Two major reasons for the diversified development of user payment field

Iris Consulting analysis that the user online payment applications gradually diversified, benefiting from the following two reasons:

First, it benefits from the active promotion of third-party payment operators. In order to meet the diverse payment needs of users, the online payment platform has been actively expanding in the field of application in the 2009. For example, Alipay added digital entertainment, education and other areas of payment solutions; Tenpay launched credit card repayment business, and cooperation with the Eastern Airlines, in-depth expansion of the field of air tickets; quick money. Accelerate the expansion of insurance and education, yeepay increase the payment of public donations, IPs and other areas. Paying companies to expand in many areas is the basis for users to meet the demand for diversified payments.

Second, it benefits from users ' satisfaction with online payment tools. "The 2009-2010 China Online Payment industry Development Report," The survey data show that the 2009 online payment satisfaction is generally higher than in 2008. 2008 the level of industry satisfaction in the 4.4-5.2 (total divided into 6), compared to the 2009 satisfaction level interval adjusted to 4.6-5.2, the minimum degree of satisfaction increased. The increase of users ' trust in Third-party payment tools is also the main reason for the wider application of online payment.