has made a statistics, domestic mobile payments at least 53 company in play. Including kara, box, brush, sheng tenpay do market, etc. Many companies also have been thousands of vc.
but in the context of the market at present, the thunder, the rain is not big.
Market reaction is not very busy, even though it doesn’t say, mobile payment have no future. To be sure, the mobile payment can bring a lot of convenience to people in the future. But at present most of the companies trying to stage still on the way of exploration. To investigate reasons, lack of education is not so much a user market, product on innovation or rather like chicken ribs.
Now, the third party companies are involved in mobile payment field. To introduce a new product – super transfer today. Super transfer in introduced such as the club’s official website, the transfer is China unionpay official a convenient huimin pay product certification, in under the protection of unionpay security mechanism, realizing fast transfer function of a variety of ways, meet the needs of individuals or institutions point-to-point transfer customized demand. Products can achieve card transfer and charge transfer, support bank transfer to the bank card (including credit card), the passbook, company account and phone number, and other innovative transfer form, more embedded in a variety of personalized features, to provide users with a more secure, more convenient and more affordable mobile phone transfer experience. Positioning crowd mainly for real-time transfer the needs of individuals or institutions, the product itself is not affected by geographical and time constraints, in under the protection of security mechanism, meet the needs of individuals or institutions point-to-point transfer customized demand.
From the above information, we made two points, one is the rapid transfer, real time to the account. One is the institutional users.
Why these two points? Because most of the mobile payment products on the market, now the two pieces of hard to do. First analysis of the current payment type products, including la cara, most of the mobile payment products have failed to do real-time to zhang this, that more is found in the AD. A matter of time for users is a lot of shortcomings, the pursuit of efficiency of men more often sign up to choose other products, but more is the wrong with other products. But it doesn’t blame these mobile payment, more it is a market and system, can be to pray more market-oriented to solve this problem in the future. And there’s a institutional users, also is actually offline businesses. Why is offline businesses, because in the line of the single market, unionpay belongs to monopoly, but it is not he wants to take over, but you know why I did not speak. All in all, offline third-party payment to intervention is difficult to accept single field.
Next, let’s return to the above two points, new players look super transfer polymerization of the industry’s biggest pain points, and also gives the solution. But that we will be able to say the product will be welcomed by users?
let’s take a look at the current application scenario of ordinary users, users have transfer requirements, will first go to the nearest bank, is more a psychological security, if afraid of trouble, usually with the aid of alipay, prepaid phone, transfer. Also can choose la cara to transfer operation, at the same time don’t forget tenpay can choose. But is equal to the transfer, the transfer has the advantage of real time to zhang (fees standard rate 0.2%, single minimum 2 yuan, top 10 yuan), may be acceptable for the pursuit of speed. For people who do not require speed, use pay treasure to do this even more. But relatively large amount of money, the transfer may be more has the advantage.
so overall, super transfer now seems not much affect ordinary consumers, are more attractive for small businesses. They pursue efficiency and time. And super transfer can meet them right, so do offline micro small businesses is their future. But still the reason above, unionpay dominating the market, to break through, have to find another outlet.
so, remove unionpay leather themselves life in the future. More third-party payment platform, the small micro merchant circle into their field is feasible way in the future. The circle circle merchant users first. But also don’t forget, circle the user first, then circle merchants such as alipay, Carla are bigger, what WeChat pay in power. The last two modes who would win, also can’t jump to conclusions. But no matter how, we expect that the future more open environment and fairer competition forms of payment, so looking forward to that day coming soon.
John xin Shanghai information technology co., LTD.
abstract: the transfer is China unionpay official a convenient huimin pay product certification, in under the protection of unionpay security mechanism, realizing fast transfer function of a variety of ways, meet the needs of individuals or institutions point-to-point transfer customized demand.
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