Seeing the trend of open development from Apple's Samsung mobile payment

After Apple's WWDC2016 conference, I once said that "the new conference is gradually becoming new, and it is not expected to lead the industry." However, in this stable conference, it also contains many changes of Apple, indicating "software cross." The future of the four major Apples is the platform and the intelligent, enhanced inter-product relevance, continuous expansion of localization and further empowerment of developers. Behind these four trends, in fact, as a closed representative, Apple has begun to gradually embrace the open trend.

Closed apples are opening up, but in fact they have a clue. At the 2015 WWDC Developers Conference, Apple took the first step in openness, pushing the programming language Swift 2 open source and the music music platform Apple Music, which it built, to Android and Windows platforms to implement open-ended The full platform strategy. At the time, I said that Apple’s move was to open the two gates of its closed castle, highlighting the possibility that Apple’s follow-up would move further. Sure enough, this year's Apple is further open, at the WWDC conference, Siri, maps, Widgets, lock screens and other previously tight interface permissions are fully open, to enable developers to develop more innovative Software application, bringing users a more convenient experience.

With this trend, next year, we will see a more open apple. The changes in Apple's two years seem to have brought the debate about who is open and closed to the future. Obviously, Apple is using actual actions to announce that open and integrated development is the future trend.

Openness means unlimited acceptance of the possibility of integration, and this is a win-win for both itself and its partners, as well as consumers and even the industry. The current case of mobile payment wars represented by Apple Pay and Samsung Pay is a strong proof of this inference.

The current mobile payment war is in full swing, while Apple Pay and Samsung Pay are the current representatives. The current development trajectory of the two seems to be a contest between closed development and open integration. From the date when Apple and Samsung announced the date of cooperation with China UnionPay, Apple Pay and Samsung Pay showed different development potential in just a few months. From the perspective of development potential, Apple Pay's development potential is no match for Samsung Pay. Apple Apple Pay ushered in a wave of short-lived climax on the open day of February 18, it seems that the volume has become less and less; and Samsung Samsung Pay, on the other hand, left UnionPay, right-handed Alipay.

The difference between the two major brands, the reasons behind it, and the reasons behind Samsung’s open integration concept are not unrelated. The development concept of Samsung's open integration not only makes Samsung Pay have a wide range of hardware compatibility, but also allows Samsung to be able to recruit customers and give users more choices, making Samsung Pay universal.

In terms of hardware compatibility: Samsung Pay not only supports NFC (Near Field Communication) terminal equipment, but also supports MST (Magnetic Signal Security Transmission) terminal equipment. From the current reality, compared with NFC technology, MST technology has more Maintain a foundation for a wide range of end devices. Samsung's compatibility between the two makes Samsung Pay cover most POS machines, and has a very wide compatibility of use, making mobile payment no longer only a small part of the scene exclusive, but also can effectively avoid the failure of loading failure.

In terms of the universality of the use of the scene: outside the UnionPay system, Apple has no cooperative action at present. Samsung is adhering to an open attitude. It not only cooperates with UnionPay, but also cooperates with Alipay. It integrates the card-sweeping party and the sweeping code. It is more likely to join the transportation card in the future. The achievement of these cooperations will also greatly enhance the universality of the Samsung Pay usage scenario.

Take Samsung's cooperation with Alipay as an example. Currently, users can manage and use the bundled bank card through Samsung Pay, and they can also use Alipay to bind Alipay account to pay Alipay. From the share of Alipay's mobile payment market in China, Samsung has cooperated with it, which means that the use of Samsung Pay will not be limited to the terminal equipment of POS machines, but can also be extended to the offline consumption of scan code. Such payment scenarios have greatly enhanced the universality of the usage scenarios of Samsung Pay users.

Extensive terminal compatibility and universality of use scenarios have made Samsung Pay a foundation for great development, and responding to user needs in a timely manner, creating localization and creating a good payment experience is the most current momentum for Samsung Pay. The key element.

In the mobile payment experience, there have been many comparisons. In general, Samsung Pay is already ahead of some mobile payments. With this kind of lead, we can also look at the leopard from the current support for their consumer demand response. A basic reality of the current mobile payment market in China is that after years of cultivation of Alipay and WeChat, users have accepted the scan code payment. Samsung's open development can cooperate with Alipay to enable Samsung Pay to obtain the dual payment channel capability of “bank card” + “two-dimensional code”, to provide users with more payment options and to meet consumers' various payment needs. It is rumored that in the future, Samsung Pay may also bring services such as transportation cards to Chinese users to further enhance the consumer experience.

From the current point of view, Samsung Pay will definitely replicate the successful experience of Samsung Pay in the Chinese market in the promotion of overseas markets. According to the localization needs of different countries and regions, it will provide various kinds of products suitable for localized consumers. Features to accelerate the globalization of Samsung Pay.

The access to functions such as mobile payment will further enhance the added value of smartphones. Perhaps in the future, they will serve as the platform and entry function of our lives to further facilitate our lives. At the same time, openness, compatibility, scenarios, experiences, and ecology have also built up the core competitiveness of the brand itself. In reality, Samsung Pay, with its extensive hardware compatibility, universal applicability and more localization features, has become one of the core competencies of Samsung's smartphones ahead of its competitors.

The success of Samsung Pay is undoubtedly another announcement that open development is the general trend of future industry development, and it is worthy of all the latecomers to learn and think.

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