Third party payment service industry development forecast

1, the payment of the industry services will be more in-depth, some of the payment chamber exclusive for the industry to pay the platform

With the development of the payment market, there are signs of paying for the industry services. In the future, some payment platforms may become industry payment platforms. For example, the first letter is easy to pay in the education industry, financial insurance, utilities, lottery and other areas of payment services are very prominent, and has entered the aviation field, and China International Airlines signed a payment service agreement, the first letter easy to pay may be subdivided into several industry payment service platform to meet the development requirements of different industries.

2, the payment of the card species will be further expanded, a variety of account union, binding operations will be more and more

At present, the main payment card type is the bank card (debit card, credit card), but some prepaid cards have begun to be used for online payment, the future of various payment cards and various types of account binding, joint phenomenon will increase, the different systems of the payer account, mobile wallet, phone account number, public expense account number, pay purse, store valuables, The points account will also gradually connect. For example, the fast money of the Shenzhou Bank payment gateway, is dedicated to the Shenzhou line recharge card payment; Tenpay and Alipay are all connected with the network, its members can use the network card to recharge the membership account, for payment. Tenpay bank card associated payment, Alipay card payment is a member account binding bank cards account of the new payment method.

3. Some banks or credit card agencies will cooperate with the payer or purchase the payment platform

Electronic payment is the new electronic finance business, as a financial institution of banks, credit card organizations, in the business and payment companies have a relationship between cooperation and competition. For example, Alipay and the Construction Bank cooperation, the issue of joint debit card "payment Bao Long card" is a concrete example of cooperation between the payers and banks. There will be more business for banks to co-operate with the payers. However, in view of the persistence of competition between banks, credit card organizations and payment companies, it does not preclude the possibility of banks and credit card organizations acquiring payment companies, making them part of their channel and business. This has happened abroad.

4, some strong payment service providers will participate in the banking business

The payment company's electronic payment service is the derivative business of Electronic bank, and the payment company's business innovation is very strong, in the future, some large payment companies may be to other financial business development, equity banks, or directly involved in banking business. The payment company's electronic wallet business is most likely to expand to transfer, remittance, settlement and other banking business. At present, the domestic payment companies are doing remittances, corporate wages generation and other business.

5, with the continuous innovation of payment methods, cross-risk amplification, regulatory difficulties increased

Due to the continuous innovation of payment methods, users can pay through online payment, electronic wallet (member account) payment, mobile payment, telephone payment, self-service terminal payment and so on. In addition, with the expansion of the payment company's electronic wallet business, users will enjoy more convenient financial services. However, these payment methods are based on the Internet, telecommunications network and other open networks, and bank accounts, electronic wallets, telephone accounts and other various accounts are bound, linked and interoperable, so the cross-risk amplification, regulatory difficulties have increased.

(Original, initial Eric net)