2016 Mobile Payment Annual Meeting Preview: Machine Gun Wars

On January 12, 2016, the China Mobile Payment Annual Conference was officially opened in Beijing. In addition to the leadership of UnionPay and Bank of China, the annual meeting included more than ant Jinfu, WeChat payment, Samsung and Apple payment. The company that paid the camp was present. The "machine-paid" machine (POS card swipe) and the "scan code-paying" gun (scan code gun scan code) "machine gun battle" also officially went from behind the scenes to the stage, the results are quite intriguing .

In 2015, the mobile payment field battled for hegemony, and the bonfire was extended from online to offline. Alipay and WeChat payment, which together account for nearly 90% of the online mobile payment market, have laid out offline payment acceptance terminals on a large scale in the form of subsidies, and launched a “scan code payment” layout online; at the same time, the liquidation party The popularity of “card-paying”, which is led by China UnionPay, including major banks and third-party payments, is also continually merging in another round of NFC, trying to regain market share that has been eroded by changes in consumer payment habits. .

Defending the "card-paid" market and waiting for counter-attack online mobile payments, became the "Moscow Defence War" of the "machine" group headed by UnionPay. It is also in this context that on December 12, 2015, UnionPay formed "NFC". "Union", with more than 20 banks whistling, officially launched "cloud flash payment." For a time, when I went to the poor waters and sat on the "cloud", it ignited the hope of the industrial chain for NFC. Subsequently, UnionPay announced that it has reached a cooperation with international mobile phone giants Samsung and Apple, and the offline mobile payment climax.

There are cards to upgrade the scan code to layout, the biggest enemy of the machine gun is time

Regardless of the machine or the gun, each has its own life. The gun camp (scan code camp, subsidy camp) is represented by Alipay Tenpay. The advantage is: combined with social, e-commerce to build payment scenarios, O2O's closed loop is more fluent, users can communicate with merchants in real time; huge subsidies form user deposits. The problem is: national scanning code guns to pay for network docking takes time, the current coverage is limited; security and regulatory control potential risks; In addition, the 5,000 yuan payment limit often makes consumers who buy fashion valuables feel uncomfortable.

For machine gun battalions (NFC, credit card), with the years of hard work of UnionPay, there are currently more than 20 million acceptance terminal hardware, and on the basis of flash payment and cloud payment, UnionPay has received support from Apple Pay and Samsung Pay. . However, according to the current upgrade speed of mobile phones and NFC terminals, it is easy to create a situation where there is no "machine" to take advantage of, which will continue to challenge the patient's patient bottom line.

According to data released by UnionPay, as of the end of 2015, UnionPay has laid and rebuilt 6 million “flash payment” terminals nationwide, which means that two-thirds of POS machines use “flash payment” and HCE cloud. When paying, you will sit on the "machine". At the same time, mobile phones supporting NFC payment technology accounted for less than 30% of the latest handsets shipped in 2015. How to quickly solve the applicability of two-thirds of POS machines to offline mobile payments, and to resist Alipay and WeChat payment during the two-year upgrade window, is an urgent task.

Because of the long-term “upgrade window”, who can take the lead in supporting offline mobile payment coverage applications, who may have more opportunities to cultivate user payment scenarios and take the lead in “machine gun battle” .

Wearable mobile payment products, or help NFC have card payment to win valuable window period

Since the second half of 2015, a wearable mobile payment product called mNFC (formerly known as Bao code) has begun to emerge, becoming a secret weapon for the "machine" group to win a valuable window. mNFC is the abbreviation of Magnetic Near Field Communication, which means “near-field non-contact communication with traditional POS machines by transmitting magnetic pulses through mobile phones or wearable devices”. Mobile payment technology mNFC developed by Shanghai Easy Code has been moved in Shanghai at the end of 2015. The financial summit was released on the spot.

Simply put, this is a wireless communication technology that can pass through the magnetic field of a mobile phone or a wearable device and a POS machine. In the next two years of NFC upgrade transition period, users can cultivate the habit of offline mobile payment based on POS, and accelerate the introduction of mobile payment in the applicable population.

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