WeChat official announced yesterday that the WeChat payment interface will be open to the certified service number. By calling WeChat payment, the service number can provide users with a more convenient payment and consumption experience.
Among the various interfaces that WeChat can open, enterprises have long been waiting for the WeChat payment interface. Because after accessing WeChat payment, users do not need to use complicated online banking transfer when purchasing goods, but only need to enter the WeChat payment interface, and enter the payment password to complete the transaction. This means increasing the merchant’s transaction conversion rate and the user’s purchase efficiency.
Mobile payment refers to a payment method in which a consumer pays a bill for goods or services through a mobile terminal. At the beginning of 2014, the mobile payment industry was in a hot trend: a fast, fast 1 billion subsidy taxi, WeChat red envelope Spring Festival swept the country, NFC (near-range wireless communication technology) mobile payment card collection far exceeded market expectations... Mobile payment Because of its realization of the entrance and the value of big data, the strategic position has become prominent, and it has become an area where financial, operators and Internet giants are competing for layout.
Domestic mobile payments continue to grow at a high rate
In 2013, the national mobile payment business amounted to 9.64 trillion yuan, a year-on-year increase of 317.56%. Mobile payment is the entry point for all mobile Internet applications to be realized, with a strategic position. Mobile payment itself is also full of imagination, and it can be mixed with finance, advertising, and business. Behind the promotion of mobile payment is data mining for mobile payment services and related services. Through big data analysis, precision marketing can be achieved. Nowadays mobile payment is not a simple "brush" mobile phone, but at the core of the mobile Internet, the value has been different. We divided the mobile payment participants into: the financial department represented by the bank, the operator system represented by the mobile company, and the three camps led by Tencent and Ali.
The “Finance Department†controls the financial lifeline and is close to the policy. Consumer finance will be the strategic focus of the bank in the future, and behind the consumption is payment settlement, mobile mobile payment will become an important battlefield for mobile payment services, and all major banks have entered the field of mobile payment.
The "Internet Department" has a firm attitude and innovative thinking, optimistic about its future mobile payment development. If the taxi subsidy war shows that the Internet department is resolute in its attitude towards mobile payment, then the Spring Festival red envelope is the embodiment of the Internet company's innovative thinking. With a determined attitude and open, innovative thinking, we are optimistic about the layout of the Internet mobile payment system in the future.
The “operator system†has a large mobile phone user base, and the contract machine purchase affects the smart machine industry chain. Compared with traditional payment service providers, operators have unique network resources and rich user resources. As the proportion of contract machines increases year by year, operators have strengthened their control over the intelligent machine industry chain. The three major operators in China have chosen NFC unanimously, and NFC is expected to become the standard for mobile phones in the future.
Focus on NFC related companies
Under the big tree, it is good to enjoy the cold, and around the three camps mobile payment development application scenarios, related industries and companies will usher in a good time to develop.
The bank touched the network, and the local operation platform ushered in the peak construction period. The bank's head office system platform is expanded. Branches need to be customized according to local business differences. The expansion of the banking system platform is a top priority, and related software system development companies may benefit significantly.
The Internet industry is “only fast,†and there are investment opportunities in both remote payment and offline payment scenarios. Internet companies generally cut into the mobile payment field through third-party payment licenses, and capital operations are the main means of expanding the scale. The snatching of offline scenes is like a string of arrows. Compared with NFC and the two-dimensional code industry chain, there are many stakeholders, which has become one of the technical means of payment under the current layout.
Operators and mobile phone manufacturers are pushing NFC, and the industry chain is welcoming. The operator will promote NFC near-field payment in the order of mobile payment card, mobile terminal and acceptance environment. The number of operators purchasing SWP-SIM cards in 2014 may be around 280 million, an increase of nearly 100 times.
We believe that although mobile payment has developed rapidly in 2013, it is still in the early stages of development relative to the volume of cash and bank cards. In contrast, both NFC and QR codes have their advantages and disadvantages. For the Internet giant, QR code is one of the means to try to lay out offline payment scenarios. NFC is also one of them. At the current stage, it is especially important to cultivate users' mobile payment habits. NFC and QR code cooperation is greater than competition. For NFC, we believe that in recent months, with the promotion of operators, terminal manufacturers, UnionPay and banks, there will be a peak of publicity and promotion.
In terms of specific stocks, there are mainly the following types of mobile payment related companies: First, NFC industry chain related companies, including mobile payment cards, NFC antennas, mobile terminals, chips, etc., second, two-dimensional code related industry chain; third, application Scene class company.
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