UnionPay Mobile Internet user 150 million bank hopes to take the UnionPay Express

With the "Baby" corps as the representative of the Internet financial explosion, no doubt, the pressure on traditional banks, how to change the response has become the focus of all parties. Recently, the mobile internet payment Market A group of data, causing waves. China UnionPay announced that the number of mobile internet users has broken 150 million, entered the stage of large-scale development, almost at the same time, Analysys International published the two-quarter Internet access platform data show that UnionPay to 33.54% ranked second, only behind Alipay 1.71%. Some bankers bluntly, UnionPay exerting power mobile internet payment is a good thing, commercial banks to speed up the recapture of the mobile internet market is expected. As we all know, a growing number of emerging internet agencies are involved in online payments, supply chain finance, small micro-enterprise loans, peer-to-peer loans, public financing, funds and financial products sales, financial sector, the trend is obvious, the traditional banking as a financial intermediary's dominant position is threatened. It also made the banking industry on pins and needles. In the past year, commercial banks have been flooded with news of innovative businesses such as proprietary electricity dealers, direct selling banks and mobile services, ICBC "Rong E purchase", the bank "to pay the fair", the construction Bank "good and Melt Mall", Societe Generale "Industrial Mall", such as a number of Banking department mall on the Horse, Societe Generale "big money Dispensers", Citic "salary pot", Pudong "Pfabao" A number of banks, such as internet banking products have been introduced, and even the CMB has launched a "small Enterprise e Home" class Peer-to-peer business. But from the actual effect, the overall performance of the banking system is not satisfactory, does not have a significant impact on the market. Some industry analysts believe that the banking department to win turnaround, need to crack the Triple challenge: one is from "customer" to "user", through the good service gathers the user, cracked the internet company and the third party organization to the mobile Internet user resources exclusive; the second is from the line to the line, vigorously develop the electrical business customers, in-depth industrial chain upstream and downstream, by paying , credit, capital settlement and other professional services, to crack the internet companies and third-party institutions of enterprise customer resources preemption; Third, from calm to agile, set up a flexible mechanism to adapt to the laws of mobile internet industry. Facing the third party organization in the Electric Commerce platform, the content application, the Trans-bank payment channel and so on the siege swept land, increasingly complete, the commercial bank's movement appears sluggish. The professionals said banking online comprehensive services are congenitally deficient, to fill a lot of homework, the department responsible for mobile internet business is often faced with a large investment, the cultivation period of long pressure, and even their own hardship, others pick the embarrassment of flowers, under normal circumstances difficult to mobilize a large number of resources into mobile internet platform, content, Channels and other basic resources, local branches are busy to cope with the assessment of deposit and loan business, it is difficult to really help its expansion. Therefore, with the help of the natural cooperation between banks and UnionPay, it is very promising to expand the bank's mobile internet business through the open platform of UnionPay to use its merchant and user resources. A state-owned commercial bank personage agrees with this view and said that the UnionPay platform is a rich and complete cross payment channel resources, the second is a lot of business district resources, value-added service resources and user resources, the bank to do their own content, do passTao is really bitter, progress is also slow, we are now the practice of cooperation with UnionPay, and third-party content to cooperate. It is understood that UnionPay mobile internet business has access to more than 260 bank channels, has been the domestic access to the largest number of banks, covering the widest range of Cross-border payment platform. At the same time, more than 100 banks and unionpay cooperation to carry out online merchant receipts business. Bank and UnionPay close cooperation, but also in marketing, UnionPay and CCB, ABC, uplink, Citi and other banks to carry out "UnionPay online payment" On-line card marketing, the parties to invest resources to promote online card trading. Similar to the offline business, UnionPay's mobile internet business is a model that fully guarantees the interests of commercial banks, and provides a good platform, product and content application resources for commercial banks to develop online business. UnionPay Mobile internet users 150 million, is a good start, that the card organization mode online, but also gives us confidence. I am personally concerned about the use of the 150 million users of my line card accounted for, the following will be with UnionPay focus on business receipts, cardholder online card active and other related cooperation. "The head of a joint-stock bank said in an interview. The demands of the banks UnionPay in response: UnionPay as a bank card organization, will be in line with the concept of openness, cooperation and service, continue to increase the Internet, mobile services, including all kinds of payment innovation, and strive to build a comprehensive payment service platform to support the commercial banks of the mobile Internet business development, together to bring more convenient, safe Efficient payment services.