Which card does the overseas expansion play?

December 1, Alipay announced that in Singapore, Thailand, Macao and other overseas markets can be used to buy local traffic card payment wallet. After the overseas tax rebate, booking international air Tickets Hotel, international remittance, overseas direct purchase, study abroad payment, this is Alipay in overseas expansion of its function of the sixth initiative. Since the stripping of Ali, Alipay will accelerate the pace of expansion at full speed, in the domestic launch a series of future plans, in foreign countries frequently with overseas institutions, manufacturers to establish cooperation. Domestic and foreign two legs at the same time to move, the impact of the user groups continue to grow, touched by the online consumption scene is constantly rich, its expansion trend is an imagination.

Which card does the overseas expansion play?

It may be argued that Alipay has been paid to enter the overseas market. Wrong, Alipay March overseas is also to enclosure domestic. We might as well put the problem into inferred:

1, Alipay launched various overseas payment function for who? Of course, for the Chinese to go abroad a variety of tourism, travel, study abroad, you think it is for foreigners? No, to foreigners also need to first understand the needs of foreigners, habits, as well as Alipay in the foreign brand status, not to mention foreign countries also have their own domestic payment tools, these circumstances did not make clear on the hasty March overseas is to suffer. Of course, you can also understand that Alipay's expansion abroad function is to prepare for its continued advance to overseas markets, which is no problem. However, this is not the main purpose of Alipay now.

2. Who are the people who can go abroad? Nature is the high-end consumer groups mainly, these people consumption ability is strong, in all areas of the pyramid of upper-middle, affecting a wide range of people. Stick to these user groups, regardless of net purchase consumption or Word-of-mouth publicity, to pay treasure are all benefits and no harm. As is the high-end users of the high customer unit price, the promotion of the return on the proportion of the total is absolutely higher than the silk group, and is not generally high.

3. How will the unused funds of these user groups be used? Alipay users generally in order to facilitate shopping, will be retained in the account part of the funds, and the balance treasure launched, more people to transfer the idle funds to the balance treasure. Therefore, the purpose of Alipay is to hope that these people with strong consumption capacity of their leisure funds to precipitate in Alipay and balance treasure. What does it mean to deposit money? Oh。

Domestic expansion can only be gradual

Although also often heard about Alipay and domestic enterprises, institutions to cooperate with the news, as well as a series of dazzling "future plans." In fact, Alipay's push at home is quite resistant:

Resistance one from the traditional forces of UnionPay, in order to prevent the financial cake is quickly carved up, a variety of restrictive decrees will occasionally burst, as to pay for the Bora, we can enjoy their imaginations;

Resistance two from the traditional field of the original industry mechanism. For example, "The Future Bus" plan, using mobile phones to brush the bus directly, looks very beautiful, but this is the direct partition of the original bus operating system is the interests of monopoly, so the plan from the beginning will be the bus company's "non-violent non-cooperation" conflict;

Resistance three from mobile phone manufacturers, still take the "future bus" as an example, mobile phone card involves NFC technology, which is the hardware level of the transformation of the mobile phone. If Alipay is going to push NFC payments, handset makers are bound to get a slice of the money, which means that part of the promotion of Alipay is to pay for the handset makers, plus some profits for them. If not, the rival machine manufacturers will not have fatal damage, and its own promotion, as occasion promotion.

Throughout the above resistance, Alipay can only be gradual, a little push, through the continuous enrichment of the payment scene, so that the impact of the user group a little bit of expansion, although a bit slow, but relatively solid.

The roundabout route of Alipay

In fact Alipay in the domestic various future plans, more is the momentum. Why do you say that? As has been said, in the domestic promotion can only be gradual, but this momentum can help Alipay pay attention to, first of all, the media report is free PR; The real core role is the high-end people who use Alipay overseas. These people's own influence, spending power, will let more people close to them, trust them to use Alipay. Chinese society is the elite group to lead the social formation of the masses, previously in Sina Blog and micro-blog has shown incisively and vividly. When Alipay became popular as a bus-card, no rival shook its leadership position.