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Apple pay will get rid of Alipay and WeChat Too young too simple! Sohu financial management-k9084

Apple Pay will kill Alipay and micro letter? Too young too simple! Sohu finance although this time because WeChat charge withdrawal fee that is scolded badly, but the face of Apple Pay into China’s threat, Ma Huateng’s counter attack speed is very fast. This does not, today there is news that the Tencent to all the layout of the mobile payment, the latest move is, TOS watches and QQ wallet will launch mobile payment function, the function will be launched in March. Although the QQ wallet first support TencentOS watch on payment, but the Tencent to WeChat’s degree of attention, WeChat paid support TOS watch estimates also soon. Xiao Rong believes that the mobile payment function of TOS watch is only a beginning, a benchmark, soon, Tencent will move the payment + hardware strategy quickly. Wait and see. Apple Pay will get rid of Alipay and WeChat? The rise of Alipay, WeChat to pay in recent years, really let the UnionPay bank lonely a lot, ApplePay also let into the cup, the bank in the field of mobile payments to find the "presence", on the first day that is about 30000000 of the amount of bound card to prove. Some people say, "Apple Pay of the line bring enormous threat and challenge to WeChat and Alipay, China UnionPay and bank ApplePay hoping to kill WeChat, Alipay pay". Is that really the case? Xiao Rong believes that this view is still some Arabian Nights, there are five main reasons. First, the use of Apple Pay is limited. Although it can be paid in 1 second, and can not be paid by the Internet, the user experience is perfect, but the use of Apple Pay scene is very limited. The Alipay and the use of micro channel scene is very extensive, in addition to pay, can also transfer red envelopes, pay utility fees etc.. Also, Alipay and WeChat also has a greater advantage is, respectively, the balance of treasure and wealth through the two Dali financial tool. Take Alipay, payment can deduct money directly from the account balance treasure, will continue to earn a little interest in the balance of treasure is not the payment of money, Why not?. Second, double restrictions on mobile phones and devices. Some netizens Tucao: just say Apple Pay have not considered that just from the mother-in-law got iphone5S the old man, they are just on…… Tucao point is that Apple payment currently supports only iPhone above 6 models of Apple Mobile phones. In addition to mobile phones, apple payment also has requirements for POS machines. Apple paid NFC payment, need to have the NFC receiving function of POS machine, it needs to promote the transformation of the existing POS cup, it takes some time. In contrast, Alipay and WeChat to pay, do not limit the terminal, as long as the intelligent mobile phone can be used; the current line of door store is wide, many businesses are supported. Selling fruit pancake stalls even small financial home support Alipay and WeChat to pay, the two companies also admire the ability to push the team…   

Apple Pay将干掉支付宝和微信?图样图森破!-搜狐理财   虽然这段时间因为微信收取提现费的事情被骂得很惨,但是面对Apple Pay入华的威胁,马化腾的反击速度还是挺快的。   这不,今天就有新闻称,腾讯在加紧各种移动支付的布局,而最新的动作就是,TOS手表和QQ钱包将合作推出移动支付功能,该功能即将在3月推出。   虽然,是QQ钱包首先支持 TencentOS 手表支付,但是依着腾讯对微信的重视程度,微信支付支持TOS手表估计也很快。小融相信,TOS手表的移动支付功能只是一个开端,一个标杆,不久,腾讯将把移动支付+硬件的战略快速推进。坐等看好戏吧。   Apple Pay将干掉支付宝和微信?   近年支付宝、微信支付的兴起,着实让银联、银行落寞了许多,ApplePay的进入也让银联、银行在移动支付领域找到了“存在感”,上线首日即有3000多万的绑卡量足以证明。有人说,“Apple Pay 的上线对微信和支付宝带来巨大的威胁和挑战,银联与银行希望借助ApplePay干掉微信支付、支付宝 ”。真的是这样吗?   小融觉得这个说法目前来看还有些天方夜谭,主要有五个方面的原因。   第一,Apple Pay的使用场景很有限。虽然1秒就能付款,且不用联网也能支付,用户体验堪称完美,但是Apple Pay的使用场景却十分有限。而支付宝和微信的使用场景却很广泛,除了支付,还可以转账,发红包,缴水电煤气费等等。并且,支付宝和微信还有一个更大的优势就是,分别有余额宝和理财通两大理财利器。拿支付宝来说,付款时可以直接从余额宝账户扣钱,不付款时钱就继续在余额宝里挣点利息,何乐而不为。   第二,手机和设备的双重限制。有网友吐槽:只想说Apple Pay有没有考虑过那些刚刚从岳母大人手中拿到iphone5S的大老爷们儿,他们还差一点就要用上了……   吐槽的点在于,苹果支付目前仅支持iPhone 6型号以上的苹果手机。除了手机,苹果支付对POS机也有要求。苹果支付是NFC的支付方式,需要拥有NFC接收功能的POS机,这就需要推动银联对现有的POS机进行改造,这也需要一定的时间。   反观支付宝和微信支付,不限制终端,只要是智能手机就可以使用;目前线下门店铺得比较广,很多商户都支持。连小融家门口的卖煎饼果子的小摊都支持支付宝和微信支付,也是很佩服这两家公司地推团队的能力。。。   第三,用户习惯一时难以改变。当初,支付宝和微信支付在推广各自的线下支付时可是砸了不少真金白银,这些钱可不是白花的,两家公司已经完成了大部分的用户习惯培养,用惯了微信和支付宝,人们未必能适应Apple Pay。在培养用户习惯方面, Apple Pay任重而道远。   第四,难以撼动支付宝和微信支付的市场份额。据了解,目前苹果的市场占有率仅为11%左右,这其中使用iPhone 6型号以上的用户占多少?而这部分用户中能使用Apple Pay 的人又能占多少呢?业内人士分析,估计撑死不到10%。   再来看看支付宝和微信支付,有数据显示,支付宝在中国移动支付市场占据的份额为70%,腾讯的支付平台财付通占19%。截至2015年6月底,支付宝实名用户数已经超过4亿,微信用户也超过2亿。如此庞大的用户又怎会轻易的狗带?   第五,支付宝和微信也在不断布局和革新。从前面提到的支付宝的空付、刷脸支付,以及腾讯TOS手表都能看出,马云和马化腾也在不断的进行着移动支付的布局和革新。更何况,周围还有易付宝、百度钱包以及同样即将入华的Samsung Pay等也在抢占着支付市场。   第六,收银员操作还不熟练。港真,小融觉目前使用Apple Pay最大的问题不是Apple Pay本身也不是POS机,而是收银员没见过。尽管部分品牌门店支持Apple Pay,但落实到电商仍需时间。   据了解,不少门店的收银员并不了解如何使用Apple Pay,于是就很容易造成下面这种尴尬的情景:   顾客:“可以用Apple pay吗?”   店员大妈:“别说英文,听不懂!”   顾客:“……可以用苹果支付吗?”   店员大妈:“你怎么这么牛呢?你咋不用猕猴桃支付呢?!”   (本想酷炫一回,结果却装逼失败。)   总之,虽然Apple Pay的上线会对中国的移动支付市场带来挑战,但不是太大。可以说,Apple Pay难以撼动支付宝和微信支付的地位和格局,更别提“干掉”,至少短期内是不可能的。  相关的主题文章: