The bank is facing a new challenge for net purchase

With the internet consumption in people's living consumption is more and more high, seize this part of the user group is becoming a new direction of bank membership marketing.

February 29, the reporter learned from Alipay, the current Merchants Bank (600036, shares bar), Ping An bank, Shanghai agricultural firm, Jiangsu Bank and other joint-stock banks have cooperated with Alipay, users in the online first use of related bank card payment can enjoy 90 percent to 85 percent concessions. AgBank and other state-owned large banks have been and Alipay in the communication related plans. The bank's online discounting war is on the line.

A discount for online shopping

Online consumption is paid for by bank discounts and is new to many users. The reporter log in taobao and cat online shopping found that recently, a lot of banks are carrying out a discount activities. Every Monday, ICBC and Tianjin Bank debit cards will be launched shopping discount activities; Before March 10, Ping An bank credit card users first Use fast payment online payment, full 100 yuan can be reduced by 5 yuan; The credit card users of Shanghai agricultural firm use fast payment during February 1 to March 31, The first deal can be 85 percent.

"The bank which has carried on the online shopping discount activity some time ago also includes Citic Bank (601998, share bar), Jiangsu Bank, Nanjing Bank (601009, Stock bar), Shanxi Merchant Bank, Tyrone Bank and so on." "Alipay said that at the end of 2011, Alipay first tried to quickly pay the online operation, the line of common discounts and other activities to move online."

China's online shopping market reached 773.56 billion yuan in 2011, accounting for 4.3% of the total retail sales of consumer goods, according to the data released by the consultancy. If the consumption of the number of pens, online consumption accounted for the proportion of consumer daily consumption is even higher. "For banks, take the initiative in a future-oriented user battle." Market analysts say bluntly, the internet has become the world is a trend.

Raise new challenges for banks

Analysys International analyst Meng in an interview with the International Financial newspaper, said: "The bank to join the online operation of the army basically followed by the small and large principle, some regional commercial banks took the lead in discovering the opportunity, the national joint-stock banks and state-owned big line followed. In the long run, the operation of the online bank card users will be mainly done by the major banks, while Alipay will be the main provider of platform and tool role. ”

Compared to offline markets, the Internet is a market without space restrictions, which requires banks to have an entirely new mindset in their operations. "In the past, the promotion activities of the banks may have been regional in scope, but the operation on the Internet requires a nationwide co-ordination, which requires a higher level of attention." For different goals, the operating methods can be used to constantly explore and improve. "Meng said.

Alipay said that in the near future has been developed for Taobao, Cat, other than the operation of the Web site tools, will also support the ability to specify the operation of business activities, which will provide more banking online operations better user experience, higher precision and operational efficiency.