UnionPay bank through applepay breakout resistance not subsidies-sql server 2000 个人版

UnionPay bank borrow ApplePay break through obstacles: fight but the subsidy of UnionPay bank can borrow Apple Pay win? Apple Pay has been the 19 big banks China support; apple into, system is not flexible, the user is limited, the UnionPay bank "breakthrough" three heavy resistance Apple Pay Shuabing, Xiao Li in a bank credit card department work went to a nearby Burger King to experience a. "It is very convenient, the cashier training in place, businesses, users seem to be positive". Mike had ever paid a lot of product promotion, full of praise for the Apple Pay, where she has been in the bank access plan. Apple Pay February 18th officially entered China, backed by the "UnionPay", has won 19 big banks China support, a good start. But now that the Union and the Apple Pay successful cooperation is still too early. The general manager of the ICBC in the electronic banking department Hou Benqi said in a signed article, UnionPay and bank by Apple pay and Alipay, WeChat paid for market share, the key is not just the technology itself, but also should pay attention to business rates, user frequency and promotion means. "If several aspects of this strategy is unknown, the possible effects of Apple pay in the short term will not pay for Alipay and WeChat’s market share." Beijing News reporter Li Yuan Su Manli cup is embarrassing obviously. According to Analysys statistics, as of the third quarter of 2015, Alipay to 71.51% market share of the mobile payment market occupy the first Tencent, caifutong ranked second, the market share of 15.99%, an increase of 2.91 percentage points over the previous quarter; the lakala quarter market share of 6.01%, ranked third; market share of mobile payment UnionPay business only 0.49%, ranking eighth in the country. In the face of Alipay and WeChat to pay the long wait take cities and seize territory, UnionPay, to hit a turnaround. This time, China UnionPay brand potential selection and strong apple cooperation. Apple Pay is a kind of specific service cloud support UnionPay flash pay. A bank official told the Beijing News reporter, the marriage of Apple Pay cup, is actually a "flash pay for mobile payment platform to promote their own (Quick Pass)". Last December, China UnionPay jointly more than 20 commercial banks launched the "cloud flash pay", which is a kind of intelligent terminal based on contactless payment scheme based on NFC technology. After Apple Pay, the Union also announced and Samsung launched Samsung Pay (Samsung smart payment), will be 24 this month, landing the domestic beta, edge+ China user oriented Note5. In addition, UnionPay still with HUAWEI, millet and other brands of mobile phone manufacturers to talk about cooperation, all kinds of "Pay" will rely on in the tide of mobile payment platform unionpay. Based on this new silver Lenovo payment NFC, against Alipay and WeChat to pay. More importantly, UnionPay chose to Pa on Apple

银联银行借ApplePay突围阻力重重:拼不过补贴   银联、银行能否借Apple Pay突出重围?   Apple Pay已获中国19家大银行支持;苹果分成、体系不灵活、用户受限,银联、银行“突围”三重阻力   Apple Pay刷屏的当天,在某银行信用卡部工作的小李就去附近的汉堡王体验了一把。“确实很方便,收银员培训到位,商家、用户看起来都很积极”。经手过不少支付产品推广的小李,对Apple Pay赞不绝口,她所在的银行已在计划接入中。   Apple Pay 2月18日正式入华,背靠“银联”,已获得中国19家大银行的支持,开局良好。但眼下说银联和Apple Pay合作成功还为时尚早。   中国工商银行电子银行部总经理侯本旗在其署名文章中说,银联与银行借助Apple pay与支付宝、微信支付竞争市场份额,关键不只是技术本身,还应关注商户费率、用户频率及推广手段。“如果这几个方面策略不明,Apple pay短期内不会对支付宝和微信支付的市场份额带来多大影响。”   新京报记者 李媛 苏曼丽   银联目前的尴尬显而易见。   据易观智库统计,截至2015年第三季度,支付宝以71.51%的市场占有率占据移动支付市场首位,腾讯的财付通位列第二,市场份额为15.99%,比上季度增加2.91个百分点;拉卡拉该季度市场份额为6.01%,位列第三;银联商务的移动支付市场份额仅为0.49%,位居全国第八。   面对支付宝和微信支付的攻城略地,银联早就等不及,要打一场翻身仗。这一次,银联选择与品牌势能强大的苹果合作。   Apple Pay实际是银联云闪付支持的一种具体服务。有银行人士告诉新京报记者,银联此番联姻Apple Pay,其实是为推广自家的移动支付平台“闪付(Quick Pass)”。   去年12月,银联联合20余家商业银行推出 “云闪付”,这是一种以智能终端为基础,基于NFC技术的非接触支付方案。   紧随Apple Pay之后,银联还宣布和三星合作,推出Samsung Pay(三星智付),将于本月24日登陆国内公测,面向Note5 edge+国行用户。除此之外,银联还在与华为、小米等品牌手机厂商谈合作,各种“Pay” 将依托银联平台挤入移动支付大潮。   银联想以这种基于NFC技术的新的支付方式,对抗支付宝和微信支付。   更重要的是,银联选择了以Apple Pay打开其移动支付的突破口,“Apple Pay只是一个支付工具,没有账户系统,不资金沉淀,不储存持卡人信息,不记录核心消费数据和隐私,它只是相当于把信用卡电子化了,走的还是银行卡消费路线,这是受银联和银行欢迎的”,有第三方支付不具名的内部人士称。“Apple Pay没有破坏原来发卡行、收单行和卡组织三者之间的关系。与微信、支付宝减少‘中间环节’的方式完全不一样”。   所以,无论从哪个角度看,发卡方、卡组织、收单方都会支持Apple Pay。Apple Pay看起来是银联、银行们最适合不过的“救命稻草”了。   银联、银行“突围”阻力重重   阻力1 分成博弈   银联此番选择的合作伙伴不是个“软柿子”,而是极其强势的苹果。既然苹果不能沉淀数据,无法做后续金融服务,那必然要在收益上分走一杯羹。   在美国, Apple Pay与VISA、万事达、美国运通等卡组织均有合作,获得近450家银行机构支持,支持150万家商户,上线一年交易额占美国零售交易额的1%收费模式是基于现有的信用卡和借记卡收费结构,从发卡行收取费用,约为交易金额的0.15%或0.5美分。   在中国,苹果也拿出过一份类似的方案,却几近“谈崩”。如今应该是双方妥协的结果。据财新报道,Apple Pay目前抽取的刷卡手续费的费率相比此前谈判时的0.15%降了一半多。   也有银行内部人士称,因为美国的刷卡商户端手续费高达2%-3%,强势的苹果必然不适应中国“白菜价”的手续费,Apple Pay与银联的合作可能会选取相对高的商户手续费,以维持各自利益不受损。   更有人担忧,当消费者都习惯了用Apple Pay时,银行们就会逐渐被沦为二流角色。当接入Apple Pay的银行和银行间组织越多,对用户的黏性越大,Apple Pay的谈判筹码就越大,而银行们就越没有话语权。   阻力2 拼不过的补贴   如果银联和银行以“割肉”之牺牲能夺取足够的移动支付市场份额,也是值得的。但这似乎并不容易。   银联+Apple Pay首先面对的两大对手是支付宝和微信支付。两家金主靠赤裸裸的补贴大战,几乎瓜分了中国移动支付的市场。就在十多天前,支付宝拿出2个多亿通过春节拜年红包与微信支付“打了一战”。中国消费者沉浸在支付宝和微信“红包场景”中培育起来的支付习惯,要想转移到苹果支付并不容易。   前述第三方支付公司内部人士称,继红包场景后,支付宝和微信又砸重金拓展线下支付场景,买水立减、支付抹零等等,对线下用户的补贴无所不用其极。支付场景通过多轮并购,已涵盖水电煤、餐饮、美容美发、出行,公共交通、手机充值、景点门票、酒店住宿等各个角落。   而更大的难点在于推广。银联内部人士也承认,“我们的商业模式不如他们灵活,我们是开放的,他们是闭环的,他们所有环节都自己做,能玩很多场景,而银联玩场景确实很弱”。   有着完全不同的体制和基因,银行银联被严格监管,捆住手脚,互联网公司则灵活得多。   阻力3 有限的苹果手机   新京报记者从相关途径获得的数据显示,目前能使用Apple Pay功能的iPhone6及iPhone6P在中国有1030万用户量,假如每个人都绑了苹果支付,也就1000多万的用户量。相比之下,在2015年第三季度,大约 1.9 亿活跃用户在使用支付宝作为移动支付工具,排在第二名的微信支付也已拥有超过 1.5 亿的活跃用户。   前述银行内部人士称,“对安卓用户而言,我们只会做一套解决方案支持银联的‘云闪付’功能,不会再为了支持‘三星付’‘小米付’做第二、第三套方案了,它们的使用体验都类似,‘云闪付’只需下载一个APP”。与支付宝、微信支付抢夺地盘的主要工作还得靠银联和银行们独自完成,只有“云闪付”成功,银联才是真的成功了。   另外,目前Apple Pay只能在600万台 POS 机上使用(“云闪付 QuickPass” 标志)。这600万台已经占到全部存量POS机的六成。按央行部署,到2017年5月底,中国所有POS机都将完成由磁卡式向非接触式IC卡的改造,届时所有POS机都会支持 NFC。 进入【新浪财经股吧】讨论相关的主题文章: