Mobile payment - the next stop of the smart phone

The future of smart phones must not be a separate mobile phone, a simple entertainment tool, but an important terminal, both online and offline, are extremely important tools.

Smartphones have been in the market for nearly eight years since 2007. In the past eight years, Nokia, Sony, Blackberry and other veteran manufacturers have been strong, and Samsung and Apple are still strong, but they are slightly tired, especially Samsung. After the year, the decline in Samsung’s performance was staggering. Among them, Chinese manufacturers have followed the trend and gradually emerged.

However, for domestic mobile phone manufacturers, the more prosperous, the more full of hidden concerns, mainly in:

There is limited upside in the domestic market. According to IDC data, China's smartphone shipments will reach 420 million units in 2014, up 19.9% ​​year-on-year. It is expected that shipments in 2015 will increase by 7.8% year-on-year. For the first time since 2009, smartphone shipments have increased. Drop to single digits. The mainstream mobile phone manufacturers will compete fiercely in products and channels. The growth prospects are not optimistic.

In foreign markets, except for Huawei and ZTE, domestic mobile phones have many obstacles, and the most important resistance is patent warfare. Huawei and ZTE are currently in the top two patent applications, so the two companies can solve patent problems through cross-licensing. However, other domestic manufacturers have not been so easy. According to media statistics, the invention licenses of Coolpad, OPPO, Xiaomi, vivo, Jinli and Meizu are 334, 103, 10, 7, 7, and 4 respectively. Because of the entanglement with Ericsson's patents, Xiaomi is in a mire in India, which is a good case.

New thinking about smartphones

In fact, domestic manufacturers such as Xiaomi and Glory have no problem with adopting a cost-effective and low-margin route. According to current experience, this approach can effectively open up the market and seize market share. But the smartphone market is always saturated, and the sustainability of this extensive approach is not strong. The future of smart phones must not be an independent mobile phone, a simple entertainment tool, but an important terminal, both online and offline, are extremely important tools. Apple's apple pay has already foreshadowed this direction. But in terms of domestic mobile phones, in addition to Huawei's glory, other vendors are obviously a bit slow.

Two characteristics of mobile phone payment

The online payment of mobile phones has developed rapidly with the development of platforms such as Alipay. In terms of online payment, various manufacturers have begun to have a layout. UnionPay has launched a flash payment POS machine, Alipay offline promotion, apple pay, Huawei glory. In terms of the layout of mobile payment, etc., it can be seen that the development prospect of mobile payment is very good.

Mobile payment needs to be more convenient. In fact, as early as this year, the double 12, Ali to promote payment under the Alipay line, had tried to pay Alipay discounts in several supermarkets in Hangzhou, which aroused the aunts to participate, some media said that "Ma Yun conquered the aunt", But in fact, burning money did not allow the aunt to form a habit of using Alipay offline. This has a lot to do with the cumbersome consumption process under Alipay.

At present, the payment under the two-dimensional code line requires five steps to complete. The first step is to open the mobile phone to log in to the wallet; the second step is to find the payment code, and the third step is to display the two-dimensional code; Step, scan code; the fifth step is to pay the amount and payment. It's no wonder that when paying for promotion under the Alipay line, when the media interviewed the aunt, the aunt's answer was "The daughter is getting off work anyway, I let her come directly to teach me."

In this respect, the glory wallet is better. It is based on NFC technology. When the mobile phone is close to the POS machine, you can hear the voice and enter the password to complete the transaction. The whole process is only two steps, and the convenience is stronger.

Mobile payment needs to be more secure. In the communication with users, the security of Internet products has been questioned. For example, 12306 websites have been attacked, user data has been leaked, and Lin updated microblogs have been hacked. Extending to offline payments, users are most concerned about security. At present, there are many manufacturers on the market, such as Huawei glory, its product glory wallet directly bound to the bank card, equivalent to card payment, and fingerprint verification, directly connected to the ATM system of the banking system, And the processing system isolated from the fuselage system, the security is better.

Compared with apple pay, domestic mobile phone payment has obvious advantages in terms of policy, but at present, the development of domestic mobile phone payment is not satisfactory. Only a few manufacturers are a little bit moving. For example, Glory 6Plus supports offline payment, and has already cooperated with China Merchants Bank and Bank of China. However, such a scale is far from enough. The level of offline payment is more extensive. It can be said that domestic mobile phone manufacturers are still in their infancy, and there is still a long way to go in the future.

Written at the end:

No matter how fast the online consumption is, it can't replace offline consumption in the short term. In this case, the mobile phone is a good terminal. It can connect to the Internet, realize online consumption, and carry it with you instead of cash consumption. Huawei mate7 and glory 6plus have achieved online and offline layout respectively, and more manufacturers may be involved in the future.