The market is approaching a turning point Apple or into the popularity of NFC push hands

You should still remember the original competition in China's mobile payment standard, NFC-honored by CUP, and the national standard of the National Technical Delegate. But in recent years, NFC has not really popularized in China.

In the second half, the concept of local NFC mobile payment plate may have a wave of market, listen to me.

The market is approaching a turning point Apple or into the popularity of NFC push hands

May 20, Morgan Stanley (Morgan Stanley, Morgan Stanley, several analysts jointly issued a research report. According to the content, Apple's mobile devices are expected to be equipped with NFC mobile payment capabilities to promote the popularity of applications. The reason is that recent cooperation agreements, potential licensing deals, and patent filings dictate that penetration of NFC may be approaching a turning point.

The apples I've observed are really not the kind of giants that I like to get into. Its strength is that whenever an application is about to emerge from a commercial conversion risk period, it can always quickly get into the first large-scale application. In other words, it does not lead the concept of new technologies, but it will always become a popular push before the market really opens up.

With the rise of brands such as Samsung, Huawei, Lenovo and Xiaomi, the status of Apple has obviously dropped over the past few days. There are obviously many diversified smart phone shipments. However, Apple remains the leading high-end market and continues to grow significantly. My judgment is that if Apple makes a large-scale promotion of NFC mobile phones and various NFC-integrated mobile devices in the world, it may become a promoter of the stimulus concept. You know China Mobile Internet craze, if not when China Unicom introduced the Apple iphone, the overall plate will of course detonate, but the boom, the effect may not be released so soon.

Apple is indeed ready. You should know that AuthenTec, the world's leading developer of fingerprint sensors, was acquired by Apple in 2012 for $ 350 million. Under the agreement, Apple has the right to pay up to 115 million US dollars to obtain AuthenTec software and hardware technology and patents. AuthenTec not only produces fingerprint sensors for smartphones and tablets, but also NFC chips.

Mobile payment helps Apple strengthen its Big Data business, in particular by gathering more consumer information, gathering more relevant search suggestions and extending into advertising services, both for app developers and for retailers to share more cakes Opportunity.

Google early adopters than Apple. Years ago, it introduced Android mobile payment technology to Android devices gradually gaining acceptance by consumers. Recently, it has moved closer to the transitional phase of popularity. It has always waited until new technologies will catch up with the initial growth. Apple has the opportunity in the near future Add NFC mobile payments to its mobile devices.

Interviews with several NFC-related companies by Morgan Stanley show that they generally expect that in the next 18 months to 24 months, most NFC-enabled smartphones should be equipped with a standalone NFC controller, namely NXP's PN547 "Rather than NFC-integrated solutions, the latter is mainly Broadcom's BCM43341. Because, OEM is currently in the antenna, NFC still some technical problems difficult to solve.

This means that the SOC solution may have to wait, a single module will first be integrated into the mobile terminal. In fact, the past has been integrated, but not yet universal.

Home clearance for NFC give way?

I believe that Apple's action should be transmitted to the local market. After all, Apple's concept is a hotspot. Moreover, you must have seen that in order to promote NFC, China UnionPay, etc. can be described as painstaking ah.

Initially, when China UnionPay and telecom operators stood on the NFC side, the national-technology-led indigenous standards were basically suppressed to specific markets.

However, NFC has not been able to popularize on a large scale in China. The reasons are as follows: firstly, the chain involved in the industrial chain is relatively long; second, there are other alternative third-party payment forms; third, mobile payment and mobile e-commerce are relative or supplementary; especially, people are relatively cautious about factors such as security in mobile payment; Fourth, NFC is not closely integrated with the mobile Internet application closer to the market.

Therefore, when the mobile Internet boom, especially after 2008, two-dimensional code and other payment technologies began to become a popular way. It does not rigidly adhere to the chain is too complex can be directly related to online and offline, as a convenient channel. When the O2O concept into the military, the two-dimensional code almost became standard.

You can see that in the past two years, two-dimensional code as the core mobile payment concept plate hot in China, especially in New World and other companies.

But you understand that the impact of this action on the UnionPay. In particular, the rapid application of Ali and other giants, the original mobile PO was suspended topic is actually related to this.

Unionpay really overbearing Oh. On March 13, the central bank issued an urgent document, "Opinions of the Payment and Settlement Dept. of the PBC on Suspending the Payment of Off-line Bar Codes (Two-dimensional Bar Code) from Alipay Corporation" and suspended face-to-face payment services such as QR codes. "3.15" party, CCTV also exposed the malicious two-dimensional code virus and other risks. Although there are some risks of two-dimensional code, the need for norms, but the naked use of public equipment to suppress, in my opinion, is to suppress the promotion of two-dimensional code payment for the NFC clearance.

Some time ago, UnionPay released the news that as of the end of 2014, nearly 3 million units of "flash-paying" terminals in the country were able to accept payment for financial IC cards and NFC mobile phones. The national issuance of financial IC cards also exceeded expectations and the mobile payment industry was rapidly moving development of. UnionPay will continue to work with third-party payment agencies to rebuild offline POS machines and subsidize them.

This is not obvious why. Of course, it must be acknowledged that NFC does have its characteristics in terms of security, read speed and communication mode. Moreover, officials say NFC and financial IC cards are better compatible with the receiving environment and comply with the central bank's relevant policies. Oh, because it is the site of UnionPay Well.

In fact, this means of suppression will not be fully effective. There is a deadline for "suspension" of offline barcode (QR code) payment services such as Alipay and TenPay, but I think the market will also make a free choice. Two-dimensional code will certainly continue to be the main force.

Local concept plate second half or start

Although I do not want to see CUP pressure on the two-dimensional code, purely from the market, UnionPay and telecom operators are sure to merge with the giants such as Apple.

Now is Q2, China Telecom, China Mobile NFC mobile payment card tender, the country nearly 3 million "flash payment" terminal supports NFC mobile payment, from the card to the receiving terminal, the market penetration rate of about 30%.

I think, no matter what the final effect, NFC will certainly push the process, otherwise officials can not explain, huh, huh. This will benefit local mobile payment cards, NFC antennas and domestic NFC chip makers.

Proposed attention to the local related stocks:

NFC chip:

Tat Wah Smart, National Technology, Long Technology, Master Bethe, Fujitsu Microelectronics

software service:

Tianyu information, business treasure, the financial section of the Branch

Terminal Equipment:

Deep SEDA A, New World, the card pass electronics, the new country, the letter Yada, Nantian information

Equipment modification:

Royal Bank shares

NFC antenna:

Letter communications

Fingerprint recognition:

National Agricultural Science and Technology, Hang Seng Electronics, the new Cape, Easy Alliance

Smart card manufacturing:

Datang Microelectronics, Eastcom peace, Hublot shares

Platform and system:

Extension dimension information, Teamsun Tiancheng