At the beginning of June, the heavy news from the banking industry was blown up to the circle of third-party payment, so that the festive atmosphere before the Dragon Boat Festival was full of smoke.
With the establishment of the Industrial and Commercial Bank of China Merchants Development Center, as well as the ICBC's independent payment APP and the ICBC QR code payment, it is approved by the ICBC, and the ICBC, who is in a good position, will be competing with the current acquiring boss Alipay.
The rankings of the acquiring institutions announced by the central bank's payment clearing association for the first time show that last year, 153 acquiring institutions in the country handled a total of 56.284 billion in acquiring business, with an amount of 50.4 trillion yuan, and the top ten acquiring institutions traded. The amount of the top two is 67.72%, the top two acquiring institutions are Alipay and ICBC, and Alipay's market share has exceeded 13.33%.
Create a "banking Alipay"
According to Qi Jiansheng, president of ICBC Peony Card Center, the role of the Merchant Development Center is to integrate multiple service resources and provide integrated services for online and offline integration.
One of the main services is to provide a safe and smooth payment service highway to provide professional and personalized payment services for all types of merchants. For example, relying on MIS equipment to provide fast and efficient billing services for large merchants, relying on portable and lightweight mPOS to provide mobile merchants with high-quality and convenient credit card solutions, as well as online acquiring services.
Yan Jiansheng told reporters that in addition to the establishment of an independent department in the structure of the organizational structure, ICBC will launch an independent payment APP is also a major feature, the APP will be able to bind any other bank's bank card for online and offline payment, which It is the first time in the banking industry.
It is worth noting that the ICBC also launched a two-dimensional code payment channel. According to the introduction of Qi Jiansheng, there are currently three payment scenarios for QR codes: one is mobile phone scan code payment, one is scanning gun to scan QR code for payment, and one is online two-dimensional code payment. The upcoming APP of ICBC not only covers all the above functions, but also has the absolute security of two-way encryption. It has fully complied with the regulatory requirements in the use of QR code payment.
In fact, this is also the first financial institution since March 2014 to announce the official launch of QR code payment. The previously issued "People's Bank of China Payment and Settlement Department's letter on suspending Alipay's offline barcode (two-dimensional code) payment and other business opinions" stated that the security of the relevant payment matching verification method still has doubts and there is a certain payment risk. Hidden troubles, requiring Alipay and other related companies to immediately suspend offline bar code (QR code) payment.
In the following period of time, although the QR code payment has never been publicly “into the roomâ€, it has begun to infiltrate in some specific situations, and there is a great spark of fire.
According to the reporter, there is currently no bank that can generate online payment by generating a QR code, and this technology has been widely used in Alipay, JD.com, Wing Payment, and UnionPay wallets. Some insiders told this reporter that ICBC has launched an independent payment app. From the description point of view, it has covered all the functions that Alipay has.
"Our app will go live in July, and there are still a lot of things to debug." Jian Jiansheng talked about the APP online, showing confidence.
Online and offline "two-line operations"
According to the “China Payment and Clearing Industry Operation Report 2016â€, in 2015, 153 acquiring institutions in the country handled a total of 56.284 billion in acquiring business, with an amount of 50.4 trillion yuan. The top ten acquiring institutions' acquiring transactions accounted for the total amount of the receipts. 67.72%.
The top ten acquiring institutions are: Alipay, Industrial and Commercial Bank, UnionPay Business, Minsheng Bank, Guangzhou UnionPay Network, China Construction Bank, Bank of China, Shanghai UnionPay Electronics, China Merchants Bank, and Bank of Communications. In the first two battles, ICBC was not only one and a half points away from Alipay, and the market share of ICBC and Alipay was about 3 percentage points.
In addition, the data also shows that in 2015, the proportion of payment institutions in the acquiring market has further increased. In 2015, the payment card processing business handled by the payment institution reached 39.387 billion yuan and 27.92 trillion yuan, accounting for 69.98% and 55.4% respectively, both of which exceeded the receipt business volume of bank cards. In terms of banks, in 2015, a total of 36.371 billion online payment services were handled, amounting to 2018.20 trillion yuan, up 27.29% and 46.67% respectively over the previous year. It can be seen that the banks have “double lose†in both the total amount and the growth volume. .
In the face of the shrinking land acquisition site, banks can't sit still. According to the introduction of Qi Jiansheng, ICBC will set up an independent team in the acquiring market. Currently, the team is affiliated with the credit card center, but will operate independently afterwards.
In addition to offline, for online payment, ICBC also began a counterattack. On May 30th, ICBC's mobile banking launched a new function. On the mobile APP, users can self-check the third-party payment platforms that the bank card is bound to, and can self-deregister the quick payment that is not commonly used. The specific process is to open the mobile banking APP, click the “More†option in the “Security Centerâ€, find “Quick Payment Managementâ€, you can view the third-party payment platform currently bound by the bank card, click “Logout Agreement†Log out of its quick payment function.
It is not clear what most people have opened up for their bank cards. The reporter opened the ICBC APP and saw that the savings card opened the four fast payment of Tenpay, online banking, Baifubao and Suning Yifubao. However, in daily life, the efficiency of some fast payment is actually very low.
The relevant person in charge of ICBC said that before the customer canceled the express payment agreement, it had to go to the counter to process it, which naturally wastes a lot of time. For example, if the customer operates on the mobile APP, the customer can know at a glance which platforms his bank card has opened on the platform. In case of risk, you can also cut off the account connection to ensure the security of the funds.
It is planned to open the market by activities
According to the annual report of ICBC, as of the end of 2015, the bank issued 750 million bank cards, an increase of 82.87 million from the end of 2014; the annual consumption of bank cards was 88.416 billion yuan, an increase of 18 percentage points over 2014. Among them, a total of 630 million debit cards were issued, and 110 million credit cards were issued. One or two people have an ICBC bank card. The huge customer base is undoubtedly huge for ICBC to promote offline APP. The innate advantage.
However, if you want to take Alipay instead, it is not easy. According to the data previously disclosed by Ant Xiandong, the president of Ant Financial Services, there are 450 million active users in Alipay, and the latest statistics of Analysys International in February 2016 show that the payment of mobile payment platform of Sweet Orange Finance has become owned by the industry. The mobile payment platform with the second largest number of active users is second only to Alipay, and it has reached the level of about 4 million. The mobile payment such as Jingdong Wallet also has a million user level.
How to incite these customers to become fans of their own apps is a question that ICBC must consider and face. According to the "Securities Daily" reporter understands that the current means of mobile payment to obtain customers mainly rely on activities to attract, such as the wing payment must be reduced, such as the double 11 Alipay half price, are in the profit. Every time a mobile payment company does an activity, it is a process of “spending money.†For a bank that is accustomed to a penny and a slap in the face, such a “spending money†process must be difficult.
In addition, the customer's stickiness will also become a roadblock for ICBC. People have used the transfer and payment links of Alipay account and other operations. If you want to directly connect with a stranger, it is not necessarily a customer. Can be accepted quickly.
Qi Jiansheng said that after the APP goes online, ICBC will launch a series of activities to attract customers. For consumers, it may be a good idea to “sit on the mountain†and enjoy more benefits.
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