Without bat as patron, third party payments can also be transformed

Not the blessing of the micro-letter, micro-letter payment in the last year, the rapid development, as its bottom tool Tenpay finally farewell to the chicken era. Alipay also moved a lot in the last year, working very the richness of scenes and tools. With BAT's squeeze, other third-party payments seem to be in jeopardy. and Wanda holding fast money a drama, thoroughly put the payment to the "transition said."

In the Quick Money CEO Guoguang, it's just normal business expansion. Bat Kiss Dad Not everyone has, where are the other opportunities to pay? Kaulajun interviewed three companies outside bat, and the bosses ' eyes almost all went to offline scenes and internet finance. Yeepay paid CEO Tang that the need to pay for growth in the soil, electricity and social networking has indeed been occupied by Ali and Tencent, but offline scenes and internet finance will be the industry's two big blue sea.

In the specific direction of development, the general embodiment of the following characteristics or path.

1. preemption mobile payment.

Yeepay payment has been tightened since last November at the mobile end of the movement. Already on the line of products, there are for the merchant's apos, Mobile butler, but also for Peer-to-peer mobile hosting platform. In fact, Tang 2003 has done mobile payment, but at that time the mobile phone is mainly Nokia, operators are relatively closed, the last can only give up.

Quick Money Guoguang that the current mobile payments are still in the early stages of the outbreak, the lack of killer applications and enough payment scenarios to support. He feels that a good way to pay is to adapt to changes in consumer spending habits. For example, the Hong Kong car park has been supporting mobile NFC payment, the use of mobile phone to brush the parking fee, the user is willing to accept.

So his judgment is that if O2O's scenario can be enriched this year, mobile payments will have a burst of development. That's one of the reasons they're working with Wanda. In contrast to bat's online user accumulation, Wanda is accumulating offline resources. Wanda Shopping mall only 1.5 billion passengers a year, fixed membership of 30 million.

2. Towards financial convergence and infiltration.

Alongside the Godfather, fast money to Wanda's merchants and members as prospective customers, will provide financing, financial services. Taking financing as an example, through the "flow loan", the merchant can apply for a loan by trading water, bypassing the mortgage of traditional credit, and operating the situation directly. For individuals, consumer credit may be introduced.

Tang said that the phased structure of yeepay payments had been made clear. To pay, in turn, will provide clearing, financial information, industrial marketing and credit data and other services. Financial information Services are currently focused on easy to finance, business including matchmaking, payment and trusteeship, not excluding the future diversion business, to help reduce peer-to-peer customer costs. Meanwhile, a data service company is being set up and a credit licence is being applied.

Remit to pay the world to go another direction. They just got the sales license for the fund in December. CEO Gang said that the remittance team is basically a financial background, the original intention of paying is to financial development. A person in the industry said that the boundaries were a little vague as both sales and payments were made. But the banks are strong and service is not in place, and commission requirements are higher. Brokers and funds are not satisfied, there is a third party to pay intervention is a good thing.

3. Try to change the industry with payment.

Tang made an interesting attempt to invest in an Internet restaurant run by an old employee. Unlike the beef brisket and the internet marketing of the Royal Taiji Pancake, the restaurant wants to change the meal flow and internal management through the payment system.

The user through the cell phone or PC to order and pay, to the shop under the binding of the subway card can be self-help under the single, take the water alone to the bar. At this time the background has received information, the user's meal sent to the bar. After the meal users can comment on the food products. The whole process was very fluid.

In the user education, pay the cost is not high. First, a small reduction in advance, the current Super 70% orders are in advance order. Second, comments after the random amount rebate, encourage user feedback.

Tang said the restaurant is a technology company, trying to form a complete management model around the payment, which has now settled three pain points for the meal. First, the scrap rate is reduced to 1/10 of the traditional catering according to the predetermined order preparation materials. Second, the food feedback can reach the relevant personnel in time; third, the problem of user management has been solved before.

4. Explore replicable open mode.

Comparatively speaking, the standardization of the payment is higher, the product at the B-end is basically for the whole industry, also can be regarded as class "Android" platform. The difference is that now the payments are beginning to explore how to take this open model deeper.

After being held, the fast money became the Queen's payment platform for all its plates, and Wanda even provided subsidies to the merchants and members who used the fast money. Guoguang said, Wanda's most scenes are offline experience-type consumption, such as beer and skittles, relatively simple shopping is richer, the volume is larger.

So fast money and Wanda cooperation is a large proportion of the O2O scene system to build up, and in the process of enriching payment tools. At the same time, fast money can use Wanda's offline resources toward the C end. When the pattern matures, it can be applied to more scenarios.

Similarly, Yi Bao Investment Network restaurant, the purpose is not to do catering giants, but through continuous trial and improvement, the system run smoothly, in the mature open to more companies in the industry. With the optimization of payment system to intervene and change industry, will be a future development direction.

Generally speaking, the so-called 2.0 times, is to pay open branches scattered leaves. In contrast, to the financial force is relatively easy to imagine the direction, after all, the accumulation of large amounts of transaction data is its core value. But the attempt to change the industry model provides a new path for the entire third-party payment industry, and once proven mature, it may actually become a subversion of traditional industries.