The upgrading of electronic payment

China's electronic payment industry from the initial only simple for the life of the 1.0 era of service to the 2.0 era of E-commerce services, into the network of the 3.0 era of financial management. Internet users as long as online, a little mouse, sitting at home can use electronic payment to complete the fund trading activities, financial efficiency has been greatly improved . the advent and upgrading of electronic payments makes internet banking more convenient.

In the second quarter of this year, the rapid growth of the electronic payment market benefited from the following two factors: first, the differential strategy of payment enterprises, with the electronic payment in various areas of the increase in penetration and market competition intensified, most enterprises have targeted the market segments, thus further promote the development of online payment The second quarter of the network shopping and travel booking industry warmer, in the small long holiday and the World Expo and other factors stimulated by the scale of online payments continue to expand, growth rebound.

In the second quarter of the electronic payment market transaction size, Alipay accounted for 49. 61% market share, continue to maintain market monopoly position, Tenpay, remit to pay the world to 20 respectively. 1% and 6. 53% of the market share ranked 二、三位.

Eric predicts that in the third quarter, in the summer tourism, consumption and the World Expo, led by hot spots, electronic payment industry will continue to maintain a high rate of trade growth trend, is expected to reach 255 billion yuan, the chain growth rate will be more than 22%.

At the same time, the central bank's introduction of new regulations and the online Super Net banking system have greatly facilitated the development of the electronic payment industry, says Eric. The new regulations of the central bank have standardized the relevant standards of payment industry and improved the operating environment of the industry. The online payment system of Super NET will make the system more developed, thus perfecting the industry infrastructure and further promoting the expansion of the transaction scale.

In addition, with the user's acceptance of electronic payment gradually increased, and pay the industry penetration gradually deepened, the electronic payment industry distribution will be more broad, such as credit card repayment, online insurance, and the recent hot group buying market will also bring new opportunities for third-party online payment. With the rapid development and popularization of the network, people can do more and more things through the network. When the network and financial management tightly together, people can easily manage stocks, deposits and other household assets through the network, the emergence of Third-party payments provides more choices for Internet banking.

Electronic Payment 3.0 ERA comes

When China's electronic payment industry just started in 2000, netizens only used it as a payment tool for daily consumption, such as online shopping, digital entertainment, water and electricity, and so on, "is a kind of life-type payment, which we call 1 of electronic payment." 0 times, the characteristic is simple, convenient, practical, the target customer is an individual. Zhou Ye, President of the world.

2 of the electronic payments. The 0 era began in 2006, and this phase of payment has expanded from life to business. As an important part of E-commerce, it is increasingly stressed that the "service enterprise customers, professional customization, model innovation" and other characteristics, and the electronic payment company's market has expanded to many traditional industries, the scale into Chi. In this period the emergence of payment companies more focused on differentiated competition, after several years of development, but also the first results. In the second quarter of this year, China's online payment market data analysis, Eric Consulting, said that the payment company's differentiated strategy is to promote the second quarter of the rapid growth of online payments one of the important factors.

"Electronic payments have helped people to live, work and make money at home, and now they can do it by sitting in the house, which is 3 of the electronic payments." 0 times. "This April, the world became the first in the relevant regulatory departments to complete the record, into the online fund sales and settlement services in the field of third-party payment companies." Its introduction of the "Daily surplus" account system can be directly embedded in fund companies, Third-party professional fund sales Agencies fund sales platform, CDI as long as the Internet, you can achieve "holding any bank cards, buy the funds of direct marketing products", and the purchase rate equivalent to 40 percent of the bank consignment, Greatly saves the CDI investment cost and the time cost.