After two years of payment, the two-dimensional code has grown wildly, and the "bad money drives out good money", "realized artifacts", "wiping the second clear" and other chaotic phenomena. At present, there are still many people who use these methods to arbitrage in the market. The central bank issued policies this year to strengthen the supervision of the entire industry, restrict the arbitrage path while encouraging the development of the aggregation payment industry and reshaping the ecological pattern of the industry.
The technical innovation of QR code will usher in the path of survival with product polishing, and support the industry to achieve multi-dimensional upgrade of products and services.
Localization of imported goods
Aggregate payment with the QR code as the main entrance, through the WAP, APP, H5 page and other channels to aggregate the payment channels of multiple commercial banks, third-party payment institutions and other licensed service providers, such as SDK and API interface, so as to be small and medium-sized. Merchants provide online integrated payment services. Aggregation payments are between third-party payments and merchants, and do not carry out fund clearing. They generally do not hold payment licenses issued by the central bank.
As a foreign product, the aggregate payment was introduced to China three years ago. It coincides with the third-party payment platform, the money is cultivated in the market, the two-dimensional code is paid all over the streets, the payment scene is fragmented, and the historical opportunity creates a predictable market development space.
Start with payment, loyal to service
The biggest difference between aggregate payment and traditional payment with QR code as the main entrance is value-added service, not just tools. Fans, user information, traffic, and potential secondary marketing value are the focus of value-added services. From this dimension, payment terminals can be described as social links between people, people and businesses.
In terms of business content, the aggregate payment provides integrated payment channels, collection and classification reconciliation, technical port access, customer management system, operation security maintenance and other service content to ensure the smooth operation of the merchant's transaction closed loop.
Multi-dimensional upgrade
Product innovation is the future survival path of aggregate payment. Integrated financial services is the transition state of aggregate payment in the future. The channel of “payment +†is mainly opened from three aspects:
First, product dimension upgrade
1. Application scenario fusion: One-stop integration of mainstream scenes such as QR code, SDK interface, intelligent POS, and Taiwan card, presented in software and hardware.
2. Multi-channel integration: realize bank card, third-party payment terminal, game card, recharge card, travel card and other payment outlets.
3. One-stop financial system: realizes a variety of different payment methods, such as reconciliation, unified financial digital management system and classification channel information presentation.
4. Value-added service system: Realize the presentation of brand advertisements and promotional offers in the payment process, increase brand exposure, and deeply transform payment flows.
Second, the integrated service platform
With the cultivation of the mobile payment market by third-party payment platforms such as WeChat and Alipay, the consumption habits of users using mobile payment have been quietly developed, and the market space is increasingly rampant. Banks, third-party payment, insurance and wealth management, consumer finance and other institutions flocked, and the diversification of demand led to the richness of the business, and the need to pay for the integration of ports to achieve a diversified business portfolio. As a closed loop of transactions, the aggregate payment is connected to upstream and downstream resources, and is committed to platform cooperation and supports the development of the financial service ecosystem.
Third, sinking, deep development
Mobile payment has always been a long-term narrative. WeChat and Alipay seem to have created a natural gully in the field of mobile payment, which can present a fragmented and fragmented multi-scenario but requires a comprehensive solution. Although the first- and second-tier cities have already become a red sea, the lack of supply in the vast townships and counties is not uncommon.
Although the system dividend is showing a downward trend, technological innovation represented by data mining, artificial intelligence and biotechnology can bring new surprises to the profit space. Frustrated people who missed the first round of mobile payment bonuses, latecomers with deep technology, sharp-eyed investors, betting aggregate payments or will be a strong contender for the next round of payment of traffic dividends.
Some people have rivers and lakes, there are places to buy and sell in places where there are rivers and lakes, and there are places to buy and sell. Payment, as the throat of a business transaction, is endless.
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