Now the QR code scan code pays hot anomaly. In today's mobile payment development, offline POS machine credit card consumption is caught off guard by the QR code scanning code. According to professional data, credit card offline POS payments are temporarily squeezed by the QR code payment, which is not unrelated to the rise of online payment methods.
The data shows that the POS machine's card frequency has fallen in the fourth quarter, and the payment habits have changed.
In the fourth quarter of 2015, the number of credit card users' POS cards decreased by 2.27%, while the number of online credit card per capita increased by 5.77%.
In the first quarter of 2016, the average number of credit cards per POS card was 10, which was less than one-third of the amount of online credit. Digging for money shows that the amount of POS card swipe continues to decline, and it is not unrelated to a large number of credit card users to switch to online consumption.
A state-owned bank official said that although banks are still big in terms of payment, they have been eroded by mobile payments such as Alipay and WeChat.
Central bank data display
In the fourth quarter of 2016, non-bank payment institutions handled 25.958 billion online payment services, amounting to 16.51 trillion yuan, an increase of 101.47% and 102.83% respectively. The mobile payment business was 5.633 billion, with an amount of 23.46 trillion yuan, an increase of 244.74% and 208.28% respectively. And behind the rapid development of mobile payments, the definition of payment may have been changed.
According to the overall report of the central bank's second-quarter payment system operation, the mobile payment business was 6.137 billion, with an amount of 29.32 trillion yuan, an increase of 168.46% and 10.20% respectively. In the second quarter, non-bank payment institutions handled 837.707 billion online payment services, amounting to 23.35 trillion yuan, an increase of 82.51% and 111.12% respectively.
“The current mobile payment is different from the previous simple payment.†A person in the payment industry said, “Like the relationship between WeChat and SMS, mobile payment is not just a replacement for POS. What is needed now is touch. Reach the user's ability."
CNNIC's 38th Statistical Report "Statistical Report on China's Internet Development Status" shows that as of June 2016, the number of users using online payment in China reached 455 million, an increase of 38.57 million compared with the end of 2015, with a growth rate of 9.3%. The proportion of online payments has increased from 60.5% to 64.1%. The scale of mobile payment users has grown rapidly, reaching 424 million, with a half-year growth rate of 18.7%, and the proportion of netizens' mobile phone online payment has increased from 57.7% to 64.7%.
In addition, according to the data, the post-90s card is more inclined to online. In the first quarter of 2016, the per-capita spending of online credit cards after 90s was the least, accounting for only one-third of the 70s, less than half of the 80s. The frequency of online payment using credit cards was the highest, 16 times/month, after 90s. It tends to use credit cards to pay for smaller expenses.
According to iResearch's statistics, the number of third-party Internet payment transactions in China reached 4.6 trillion yuan in 2016Q, a year-on-year growth rate of 61.9%.
In 2016, the scale of third-party Internet payment transactions in China reached 4.6 trillion yuan, a year-on-year increase of 61.9% and a year-on-year increase of 12.3%.
iResearch believes that: 2016Q2, mobile payment continues to exert force, which has a certain impact on Internet payment. The proportion of Internet payment in traditional industries such as online shopping, online games, and telecommunications payment has declined to varying degrees. However, the scale of transactions in new industries such as Internet finance continues to rise, supporting the growth of Internet payments. Overall, the growth rate of Internet payments in the Q2 quarter continued to be between 10% and 15%, which is a relatively normal level.
The proportion of Internet payments in traditional industries continues to decline, with emerging industries accounting for more than 50%.
2016Q2 China's third-party Internet payment market transaction size structure, the fund accounted for 19.8%, online shopping accounted for 13.4%, air tickets accounted for 6.6%, e-commerce B2B accounted for 4.1%, telecommunications payment accounted for 3.0%, online games accounted for More than 1.3%, other (including Internet finance and other new industries) accounted for 51.9%.
iResearch believes that the proportion of traditional industries is declining in the overall transaction size structure. On the one hand, the traditional industry's payment center of gravity has been transferred from the PC side to the mobile side. Especially in industries such as airlines and e-commerce, the frequency of transactions is particularly obvious. On the other hand, the new industry dominated by Internet finance is in the stage of growth. The quarterly transaction scale has increased by a large margin, and most of them are based on Internet payment methods. The proportion of this quarter has exceeded half, which has become the main driving force for Internet payment growth.
Summary: Due to the rapid rise of QR code scanning, the offline payment was caught unprepared. The original intention of the QR code scanning code payment is to pay for the small and micro merchants, and the current two-dimensional code scanning code payment of 10,000 is a common phenomenon. If the QR code scan payment continues to support large payments, credit card offline payments will continue to be hit. Similarly, QR code scanning is less profitable for banks. How to choose and detail the formulation, or depends on the distribution of the final benefits. I hope this information will help my friends.
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