The seventh annual IRIS Summit in Shanghai Kerry Center Hotel Grand Curtain

The meeting is the 10 anniversary of the establishment of the Advisory Group, after Beijing, Guangzhou, the year after another industry event. With the theme of "Embracing change", the summit focuses on the change and innovation of the Big Data age, focuses on the trend of the new economy, analyzes the successful experience of network marketing in the past 15 years, and closely tracks the developing trend in the field of mobile Internet.

Wang Lijuan: Everybody good afternoon, the front is about big data and advertising marketing , in fact, behind all have countless links with the payment, I hope all mobile payments behind is Alipay, say a joke.

My theme is wireless payment, keep passing the wonderful. I would like to use some of the scenarios to make people feel.

We pay the treasure to do is to pay the wireless, we still stay in the payment of wireless, just as someone mentioned, we do a lot of things or do the PC end to mobile or mobile end of the translation of things. Is there a word against it? is to pay the wireless, this thing many industry people are doing this thing, Alipay is also studying this thing, but because its start is still a hazy state.

Some of the previous data I do not want to say, many of you here know that Smart Terminal mobile phone over 200 million, I would like to share the final data, mobile E-commerce 700% annual growth rate. Data source We are from Taobao data to push.

Taobao accounts for 80% of the overall mobile-power quotient, with annual growth of 7 times times this year. Over the past two years, the trend of mobile payment has entered into such situations as high speed.

To pay, I've been thinking, what scenario, users use the phone to do, because the phone payment and PC payment is completely different. We're going to have to look at the mobile payment from the PC's perspective internally. So we are studying, the user is waiting for the bus, when shopping, drinking coffee, in the search for a cheaper place to have a cup of coffee, where to buy beautiful small jewelry, or waiting for the phone terminal to buy things. Then we basically share it with you.

Mobile payment We found that the impulse of shopping on the phone, there is the desire to buy, showing the characteristics, more than the PC end is impulsive consumption behavior, the goal is more clear. Just now some people are talking about, mobile phone screen is very small, will not be PC end, on Taobao long time, more than 10 more than 20 minutes Amoy things, mobile phone end Taobao target more clearly. Web page refresh faster, shopping process simpler. In general, to complete the PC payment, need seven pages to complete, and the phone can endure the time is generally one and a half, basically four to five pages, and then long, pay the change "abortion", will not go down.

Because of the micro-credit and micro-bo This sharing spirit is also a very important feature of mobile phone payment, the purchase of things, consumption is over, will be sharing things out is also a mobile payment of a feature.

Now basically in the industry, in the mobile phone payment, whether the Third-party payment companies or banks, the overall success rate is relatively low. Basically below the PC average, no more than 50%. The PC is now basically around 60-65%. This is the jump speed of our web page, including all of our paying companies, because from the PC, to do some client experience, a lot of the idea of the PC, with our pure play mobile phone is not the same, now pay success rate is relatively low, payment success rate is relatively low, and then good application, and then good shopping, Nor can it become the final trading volume.

Finally feel the Alipay in doing wireless payment and what we have done in the application scenario. 08:30, we use the mobile phone to find out where the clothing logistics to buy yesterday, with mobile phone Taobao can check the logistics order information anytime, anywhere. Almost a day 2 million users are using mobile phones to check logistics. 11:30 should have lunch, can go to buy, the next order to buy a bowl of noodles. Four steps can be completed, lunch settled. 14:00, "Weekend time want to go to see a movie", you can buy a movie theater on Taobao app, order, complete payment. 16:15, the boss calls, let me go to the field meeting, how to do? Quickly use mobile phone to book a ticket, the credit card payment is completed. 21:00, with a birthday number Bo a small color. In fact, I use some of the application to let people perceive the phone on the payment, we can do what things. 23:30 in a very casual state, look at the magazine, with the pay treasure Yue enjoy the magazine has promotional applications, promotion, pay Alipay. A beautiful day has passed.

Alipay's client now downloads 30 million such a traffic. At present Alipay do some things, do a lot of it is on the PC end of the application porting to the phone to complete the payment, which is the majority of the current people doing things together. In fact, geographically based, data marketing, precision marketing, O2O way to carry out the real offline payment, many companies are groping, including ourselves are groping.

We looked abroad at these companies, and they walked ahead of us, Apple's Passbook, is a collection of electronic coupons, want to integrate all the electronic coupons in an application management, and then wait until you go to the airport, you can form cooperation, you go to the airport to do boarding passes, with its two-dimensional code a brush can be completed. Including Wallaby card, we want our wallet to become thinner and less, no need to bring cash, no need to bring more cards, now wallet out, especially men thick a dozen cash plus more than 10 cards, women's bag is more discount cards, ladies like to buy some beautiful things, Often do some discount cards. We find that someone is helping us think about these things, and putting these things into electronic concentration is a big trend that really solves the ease of payment for all of you here. This is also more and more likely, a so cloudy data, do data management, data precision Marketing company's development, coupled with the development of intelligent terminals, we have a more simplistic solution to the possibility of payment, we are likely to put the cash payment business, into a mobile phone to complete, we have solved the bank card of the internet payment, But at present we do not solve the cash payment, in fact, in China, cash payments accounted for 70, 80%. The amount of cash held in a company like Sweden is 3%, a very different state. In fact, you will find that China includes commercial banks, because in the system to do better, but to make the bank card development is very good, but the bank card development is very good, we rely on solving the problem of bank cards, but in some places, such as Kenya, the bank card network development is not very good situation, Mobile payment has become the mainstream of their national payment methods, in this small store can be transferred, can withdraw money. Kenya is doing poorly because of the banking network, and the Internet is on the move.

In fact, in any case, a certain situation generated a certain demand for payment, to solve it, the trend is how more convenient, how to solve the payment of the simplest and most convenient and safest way to pay, the central bank 240 companies to apply, almost all licences are issued, including the three major operators are also doing the payment, the electricity business is not, The number of electric Shangdou set up their own payment company. Everyone is doing this, there is no gratuitous payment, and paying is a fundamental thing to solve all online transactions.

In fact, there are three categories of mobile payment, a class is just said the electronic centralized payment. There is also a kind of hardware, such as square of the card brush, to simplify the POS, in the security requirements are not very high time to use the card brush, square in the United States after the things come out, basically now Chinese payment companies are following the problem. Google Wallet, is the NFC way to solve. Alipay to do something like this, we are using a mobile terminal to make a remote payment to solve.

Mobile payment, the current main solution is so three kinds, in fact, are in different areas to try, the road is different, but the final end is the same.

This is the square Register, which is actually based on the geographic location, and the person who brushes face payments on the counter, the face check completes payment, is based on customer information, including geographical integration, precision marketing push, and finally completed.

What do we understand about the mobile payment behind? Payment will become more and more simple. If it's a cash deal, it's also unlikely, and basically there's less cash to deal with and everyone is doing it.

The service is more and more one-stop. We used to, video sites, online games, different payments in various scenes of shopping, but there may be in the future, all of such as your beauty coupons, your coupons, your coffee coupons, you go to the airport boarding, daily taxi, all services in an application completed, this is a big trend.

All do pay, all the marketing, all behind the Internet-related people, we increasingly understand the behavior of users, it is because we now pay more and more attention to the data research and accumulation, we have the cloud behind the data support, now we have Baidu Map, Google Maps, including Taobao also has a map of Taobao. Everyone in every company is thinking about something like that. We say that data is increasingly becoming a powerful force behind our mobile payments.

There are a number of new technologies, such as audio payments, sonic payments, and fingerprint payments, all of which are likely to lead to life changes, including paying BMW to see a product coming out, which is related to sonic payments. These five points are what we see in the future on mobile payments that may be such a big trend.

I would like to share a point of view, in fact, in the field of mobile payment, now, no one can say that they have clearly recognized what it is, or that it is, in fact, every company, all the partners in this room, is in such a groping and exploratory phase, this comes very fast, we do 2000 years of wireless payment , in fact, many people are very confused, do not know what this is like, but today here can say a lot of payment form, can say this thing more and more become the convenience of payment, security. Maybe next year when we're standing here, there's really going to be some sort of industry pattern out there that we want to see. Let us create a mobile E-commerce "eco-chain"! Thank you!