With the rapid development of mobile payment, the payment path is more diversified, ApplePay, SamsungPay have entered China, and ZTEPay and HuaweiPay have been launched one after another, which makes the domestic mobile internet payment market show a boom, but in the rapidly changing Internet era. Domestic mobile payment vendors are still unable to relax and should actively respond to industry challenges.
Domestic mobile payment is preemptive and has already become a part of people's lives. Especially in the past two years, Alipay and WeChat have invested heavily in pushing a series of discount promotions to promote the scale of users, which has already attracted a large number of users.
In addition, with the popularity of WeChat and "WeChat Red Packet", not only young users, but also many middle-aged and elderly groups have also opened WeChat wallets. According to statistics, as of the end of January this year, WeChat monthly active users have exceeded 650 million, in the account. More than 200 million households with bank accounts. In addition, WeChat issued a provision for the withdrawal of one-thousandth of the fee, which makes users more willing to use WeChat consumption, which further enhances the user stickiness of WeChat payment.
As the saying goes, "Relying on the big tree to enjoy the cool", the domestic mobile payment is popular with the third-party payment tools Alipay and WeChat, Alipay behind Alibaba's e-commerce as a strong backing, and WeChat has Tencent support, a huge user base What is Apple Apple's ApplePay? ApplePay and the two domestic companies compete, how to see the feeling of a stone.
In addition, technically, ApplePay currently only supports NFC-enabled POS machines, and the compatibility is poor. At present, Apple phones supporting ApplePay are limited to iPhone 6 and 6S two-generation mobile phones and iWatch and some iPads. Domestic mobile payment is not the case. Alipay and WeChat are independent apps. For users with smart phones, you can download them even if you want, even Apple phones. For users, the choice of smart phones. There are more brands and models.
In addition, domestic mobile phones ZTE and Huawei have also launched ZTEPay and HuaweiPay. In recent years, ZTE and Huawei's accumulated user trust and their strong price advantages have made ZTEPay and HuaweiPay attract attention. . Therefore, in comparison, the domestic mobile payment method is more suitable for the current situation of the Chinese commercial market, and is also conducive to promotion and application.
Building a secure payment system to meet industry challenges
The entry of foreign mobile payment instruments such as ApplePay and SamsungPay has led to a partial diversion of domestic mobile payment users, which has been affected to some extent. In order to stabilize the user source and continue to expand the user source, domestic mobile payment vendors are actively seeking new breakthroughs, actively responding to the challenges brought by the foreign mobile payment industry, and rationally building their own “moat riverâ€.
Domestic mobile payment vendors should pay attention to the user's psychology, and combine fingerprints and irises as payment passwords from the security technology level to make their security factor higher. Fingerprint recognition and iris recognition are not really safe payment, they are more used as payment passwords. From the perspective of the security between the two products, it is very likely that fingerprint recognition is only used as a quick unlock of the mobile phone, the role of the shortcut menu, and payment may still need to be completed by iris recognition. Fingerprint recognition and iris recognition are mentioned here because of these two functions, which makes QR code payment more secure.
Use the latest technology to build a complete secure payment system, or to share biometrics with mobile payment. One from the source, one from the process, and a combination of various means, it is likely to end the loopholes in mobile payments and allow domestic mobile payments. In the face of competition from foreign counterparts, we can not be afraid.
All in all, mobile payment has increasingly become the core entrance of the entire Internet, and all parties have made every effort to squander the land, and they all want to use their own advantages to be among the forefront of industry development. Although the advantages of domestic mobile payment are unique, they can be in a favorable position in the face of foreign mobile payment products entering China. However, in the turbulent Internet era, they may be replaced by up-and-coming talents at any time. Therefore, they must always be vigilant and constantly Improve yourself and persevere to open up more new roads to cope with the ever-changing market.
In addition, with the advent of big data and intelligent era, and the further development of cloud computing, smart cities and smart handheld devices in China, the future battle will be further upgraded. For the mobile payment industry, this will be a The challenge will also become an opportunity, how to lay a good "war" and see what the industry is doing.
The unique challenges of domestic mobile payment advantages still cannot be relaxed
Domestic mobile payment advantage is unique Domestic mobile payment is preemptive and has already become a part of people's lives. Especially in the past two years, Alipay and WeChat have invested heavily in pushing a series of discount promotions to promote the scale of users, which has already attracted a large number of users.
In addition, with the popularity of WeChat and "WeChat Red Packet", not only young users, but also many middle-aged and elderly groups have also opened WeChat wallets. According to statistics, as of the end of January this year, WeChat monthly active users have exceeded 650 million, in the account. More than 200 million households with bank accounts. In addition, WeChat issued a provision for the withdrawal of one-thousandth of the fee, which makes users more willing to use WeChat consumption, which further enhances the user stickiness of WeChat payment.
As the saying goes, "Relying on the big tree to enjoy the cool", the domestic mobile payment is popular with the third-party payment tools Alipay and WeChat, Alipay behind Alibaba's e-commerce as a strong backing, and WeChat has Tencent support, a huge user base What is Apple Apple's ApplePay? ApplePay and the two domestic companies compete, how to see the feeling of a stone.
In addition, technically, ApplePay currently only supports NFC-enabled POS machines, and the compatibility is poor. At present, Apple phones supporting ApplePay are limited to iPhone 6 and 6S two-generation mobile phones and iWatch and some iPads. Domestic mobile payment is not the case. Alipay and WeChat are independent apps. For users with smart phones, you can download them even if you want, even Apple phones. For users, the choice of smart phones. There are more brands and models.
In addition, domestic mobile phones ZTE and Huawei have also launched ZTEPay and HuaweiPay. In recent years, ZTE and Huawei's accumulated user trust and their strong price advantages have made ZTEPay and HuaweiPay attract attention. . Therefore, in comparison, the domestic mobile payment method is more suitable for the current situation of the Chinese commercial market, and is also conducive to promotion and application.
Building a secure payment system to meet industry challenges
The entry of foreign mobile payment instruments such as ApplePay and SamsungPay has led to a partial diversion of domestic mobile payment users, which has been affected to some extent. In order to stabilize the user source and continue to expand the user source, domestic mobile payment vendors are actively seeking new breakthroughs, actively responding to the challenges brought by the foreign mobile payment industry, and rationally building their own “moat riverâ€.
Domestic mobile payment vendors should pay attention to the user's psychology, and combine fingerprints and irises as payment passwords from the security technology level to make their security factor higher. Fingerprint recognition and iris recognition are not really safe payment, they are more used as payment passwords. From the perspective of the security between the two products, it is very likely that fingerprint recognition is only used as a quick unlock of the mobile phone, the role of the shortcut menu, and payment may still need to be completed by iris recognition. Fingerprint recognition and iris recognition are mentioned here because of these two functions, which makes QR code payment more secure.
Use the latest technology to build a complete secure payment system, or to share biometrics with mobile payment. One from the source, one from the process, and a combination of various means, it is likely to end the loopholes in mobile payments and allow domestic mobile payments. In the face of competition from foreign counterparts, we can not be afraid.
All in all, mobile payment has increasingly become the core entrance of the entire Internet, and all parties have made every effort to squander the land, and they all want to use their own advantages to be among the forefront of industry development. Although the advantages of domestic mobile payment are unique, they can be in a favorable position in the face of foreign mobile payment products entering China. However, in the turbulent Internet era, they may be replaced by up-and-coming talents at any time. Therefore, they must always be vigilant and constantly Improve yourself and persevere to open up more new roads to cope with the ever-changing market.
In addition, with the advent of big data and intelligent era, and the further development of cloud computing, smart cities and smart handheld devices in China, the future battle will be further upgraded. For the mobile payment industry, this will be a The challenge will also become an opportunity, how to lay a good "war" and see what the industry is doing.
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