Third party payment how to play large data

With the change and deepening of mobile payments and the business needs of small micro-enterprises, large numbers are in deep alliance with third parties, and two of mining and precision marketing, derived from large data, will be the next driver of growth for third parties to pay.

Industry insiders point out that big data is a natural advantage for third-party paying companies. More than 10 years of development, the third party to pay the accumulation of massive http://www.aliyun.com/zixun/aggregation/10697.html "> payment information itself is large data." These large data have the characteristics of large volume, full coverage and high quality. In fact, in the era of mobile payment, these large payment data for third-party payment Enterprises is no less than a potential to explore the unlimited "gold mine." If the payment of large data depth mining, scientific analysis, third-party payment can be carried out for the merchant to provide precision marketing, customer service, financial intermediation and other value-added services.

However, how to make the concept of large data landing into a third-party payment enterprises need to solve the problem. Obviously, simple analysis and rough push advertising in the mobile payment era is not workable: on the one hand, the user has been through the ads of the W-EB end window advertising to push advertising immunization, on the other hand, simple analysis can not solve the pain point of the merchant.

To this easy Treasure Payment co-founder Yu Chen has given the incisive explanation: the third party pays the enterprise based on the real transaction big data, can effectively capture the user deep demand, reduces the financial service threshold through the payment + finance and the payment + the marketing pattern, enhances the financial service efficiency. In addition, we can use transaction data to establish enterprise credit database and promote social Credit construction.

Although the Third-party payment enterprises in the large data mining strategy and specific operational differences, but from the overall view, two mining, payment + finance + marketing is a common choice for most third-party payment enterprises.

In the case of yeepay payment, the mining application of large data is expanded from the following two dimensions: business and cardholder trading behavior analysis, to provide support for wind control, analysis of quality merchants to provide financial services to the "Payment + finance" solution; the "Payment + marketing" solution represented by the pocket-pockets. The former is to meet the financial needs of China's general small micro-merchants, thus reducing the threshold of financial services, the latter for the payment of data to do two deep excavation, to help businesses change passive marketing for precision marketing, improve the efficiency of financial services. Although the approach is different, the core of the two dimensions lies in the strong and professional ability to analyze and capture the data of the huge industry.

Obviously, the big data may sound a fairly tall concept, but this concept is now and will be able to explore the future of the landing is quite a lot. For example, for the user has been concerned about the security of mobile payment transactions, large data has a large, generally speaking, users of consumer behavior and habits are followed a certain pattern, third-party payment agencies can through data analysis, to the suspected illegal violations to make early warning.

In addition, the third party payment on the big data will also have what kind of play, it is difficult to give a unified answer, we may wish to wait and see.