According to the Economic Observer Online, the first online credit card in China will be jointly launched by Tencent, CITIC Bank Credit Card Center and Zhongan Online Property Insurance Co., Ltd. The three parties are currently in the process of testing.
The application for this online credit card will appear on the WeChat “My Bank Card†interface along with the management of the company, the taxi, the selected items and the food of today. It is called “WeChat Credit Card†and can be applied online.
Guotai Junan Banking Analyst Qiu Guanhua released a research report on March 9th: "A credit card revolution led by the Internet is quietly taking place. Internet companies, commercial banks and Internet insurance companies that are the first to cooperate are expected to open up new possibilities with innovative profit models. The value of the blue ocean."
According to insiders involved in the project cooperation, WeChat's big data resources will become a tool for WeChat credit card marketing, credit and collection. CITIC Bank, which is responsible for the development of specific financial payment products, began its own revolution, proactively launched mobile Internet financial products, and provided customers with financial services beyond the physical credit card customers, entering the era of cardless payment. As the only insurance company in China that has obtained an online insurance license, Zhongan Insurance will provide credit insurance for mobile Internet applications for WeChat credit cards. The premiums are priced according to the risk situation of each credit card applicant.
Qiu Guanhua believes that Internet credit card is equal to mobile social service plus bank credit service plus Internet insurance service. The two-dimensional code receipt under the network bank card line will subvert the traditional credit card consumption mode and improve payment efficiency.
According to insiders of CITIC Bank Credit Card Center, the maximum credit limit of WeChat credit card is 5,000 yuan, the minimum amount is 50 yuan. After the online launch of Tencent WeChat platform, the first batch of public beta users is 500,000, and then gradually reach all WeChat users, and the initial period is 1 million. Zhang.
The person in charge of a joint-stock bank credit card center commented in an interview with the Economic Observer Online: "The online and offline shopping scenes of WeChat payment are still not perfect, so that there are too few scenarios that can be applied."
The Economic Observer Online reporter learned from the insiders of CITIC Bank that the first batch of offline merchant QR code payment terminals of WeChat Credit Card was laid by CITIC Bank and bear the cost of laying. Tencent has no clear plan for the laying of the QR code terminal under WeChat.
Qiu Guanhua believes that the first bank can set up a separate Internet credit card entry in the mobile social software interface. The first cooperative bank can not only obtain the earliest advertising, but also bring a large number of new retail customers to the cooperative bank. The preemptive bank will also receive considerable revenue from the intermediary business, because the Internet company and the cooperative bank can jointly deliver the QR code dedicated terminal to the entity merchant. If the QR code terminal integrates the ordinary POS card function, it will increase the cooperative bank as “ The traditional credit card fee income of the acquiring bank, the two-dimensional code line under the order to break the UnionPay monopoly, the first cooperative bank is expected to receive a very substantial credit card processing fee income.
"At present, there is only one cooperative bank of CITIC Bank. In the future, it will not rule out cooperation with more bank partners." A senior executive of Tenpay said to the Economic Observer Online.
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