Once, a strong online e-commerce scene created a brilliant record of mobile third-party payments. Since then, there have been constant comments on the real economy, and I believe that offline will eventually be replaced by online. Online merchants have low cost, no geographical restrictions, low sales prices, and large sales volume. They are superior to offline stores in many aspects. At that time, the online e-commerce platform was the biggest attraction. Nowadays, the winds have changed dramatically! The payment of offline scenes has become the latest traffic entry for mobile payment, and the payment dividends brought by the scenes have also attracted the attention of the market. The offline entities are emerging in new ways.
According to the latest issue of China's third-party payment industry analysis 2017, from 2013 to 2016, the annual transaction volume of China's third-party payment mobile payment was 1.3 trillion yuan, which has grown to 35.33 trillion yuan. It is expected that the overall transaction scale in 2017 will maintain a growth rate of more than 100%, reaching a scale of 75 trillion yuan. Analysys analysis shows that mobile payment can develop rapidly, thanks to the promotion of the mobile payment giant's scene, and the mobile payment scenario is rapidly expanded from online to offline.
The scene under the floor line is the trend of the times
From the previous thinking, with the increasing scale of mobile Internet users, the revenue of online e-commerce platforms will become larger and larger. The perfection of mobile payment technology and the popularity of smart phones make people more willing to use the fragmented time to shop online and buy directly, which is convenient and time-saving. However, the status quo is that many of the advantages of offline scenes are still irreplaceable on the Internet, and even difficult to reach, mostly concentrated in the travel, medical, catering, beauty and other industries. And when offline payments are more convenient, it will be the trend of the times to go offline.
On the other hand, the resource advantage of the online vents has long been divided by the giants, the dividends have fallen sharply, and many entrepreneurs who have entered the e-commerce or O2O industry after the online fever have become trapped in the quagmire. In the long run, those offline small stores that are not optimistic about public opinion, their geographical advantages close to the business circle and residential areas, have never been defeated by the slogan of “preempting the last mileâ€. With the continuous development of the third-party payment industry, many payment companies also provide integrated scenarios and derivative services for the operation of offline stores.
Nowadays, the O2O, which has been greatly reduced, also reveals a profound truth: only when payment really goes offline, payment will become a real vent!
Where does the scene pay dividends?
Payment is the last closed loop of business activity. The third-party payment industry has always been the vane of trend development. Mobile payment has become an important custodian, mainly in the following aspects:
One: the rise of aggregate payment, scene payment becomes a new entry for online receipt.
The payment channel mainly for the aggregation payment is the two-dimensional code payment. Faced with the rise of QR code payments, many offline physical stores have chosen to be able to accept aggregate payments for all payment methods. The advantage of aggregation payment is that it can more easily reach the user at the "front end" and accept multiple payment methods and channels with a scan code entry. Low cost and high efficiency are very popular among merchants. It is worth mentioning that after more than two years of development, many aggregation payment companies have accumulated a large number of merchant resource imports, with a certain scale of merchant and user data. It was learned from the Analysys Report "China's Third-Party Payment Industry Special Analysis 2017" that the market coverage of PAYMAX, the representative enterprise of online aggregation payment, is in a leading position.
Second, the demand for smart POS has increased, and the receipt of orders has met the operational needs.
If the aggregate payment is the “online†acquiring channel in the offline scenario payment, then the “offline†acquiring channel has to mention the intelligent pos machine. From the point of view of demand, the support of offline receipt hardware is indispensable under the mobile payment floor line, which encourages the traditional POS machine that can only meet the payment of the card to be gradually updated, and can be changed to support card swiping, card insertion, scan code, NFC, etc. A smart POS for payment methods. At the same time, on the operating platform of the intelligent POS hardware, according to the business needs of the merchants, the store upgrade module including membership management, customer marketing, data analysis, etc. is designed, and some smart POSs are supplemented by big data and cloud platform operations. Make smart POS a key entry point for store management upgrades. Among the many intelligent POS, Lacala Smart POS has the first intelligent cloud service platform in the industry, and its market coverage is also ranked first in the industry.
Third: the volume of transactions brings data streams, and the coverage of payment channels becomes the new standard.
For payment companies, the volume of transactions and the size of users are a symbol of their big data volume. For the offline payment of the scene, there is another important dimension - the size of the payment channel coverage. Because payment is the last closed loop of business activities, whether it is “pay†or “receiveâ€, it holds the data of payment transactions, and also masters the information flow, capital flow and logistics of the transaction. For "pay", most of the transaction data in its own closed loop, but for "receipt", especially the means of receiving multiple payment methods, the accumulated data is the most comprehensive, and the transaction data for various payment methods is the most clear. Therefore, from the offline payment, or from the longer-term development of the real economy, third-party payment companies that can accept more payment channels will have greater scale and broader development prospects.
Who is leading the third-party payment company?
In the process of popularizing two-dimensional code payment, Alipay and WeChat have educated the market through a large amount of subsidies, which has brought prosperity to offline scene payment. However, in terms of channels, these two giants only grasp the data of their own channels and cannot accept it. Single-ended to achieve the most comprehensive coverage. All channels that can fully cover the receiving end, not only have to meet the aggregate payment of all payment channels, but also have their own perfect payment and receipt channels under the full license of third-party payment, and also need to have a huge growth in their own development. Scale layout. At present, only those third-party payment companies that meet these conditions and have sufficient scale to lead the industry, only Lakara.
As can be seen from the "China Third-Party Payment Industry Special Analysis 2017", Lacala's industry scale has great advantages. As the first company to obtain a third-party payment license, Lakara's personal payment goes hand-in-hand with commercial and enterprise payments, with more than 100 million individual users and 3.5 million merchants. Lacala has maintained its number one position in the smart POS market coverage, payment bracelet opening rate, and community financial self-service terminal network.
Judging from the big winds of scene payment, Lacala has adopted the offline intelligent POS and online PAYMAX aggregation payment to drive its scene payment to grow rapidly with “offline + onlineâ€. On the acquiring path that satisfies many payment methods, the accumulated big data cooperates with Lara's first intelligent cloud service platform in the industry, which can expand a wide range of application scenarios on its smart POS, bringing scene integration for different industries. Solutions and derivative services. On the basis of its own business, it incites the multilateral market to form a symbiotic ecology.
Scene payment bonus helps the real economy
Lakara's “offline + online†development model is built with its multi-year payment base. This model is important for third-party payment companies, aggregation payment companies, and even smart POS manufacturers on the payment outlet. Learn from the meaning. For offline merchants, offline + online scenario payments can provide customized services that match the characteristics of the industry, helping merchants to do business and allowing merchants to enjoy the most real benefits.
At present, the value of the offline entity industry has been re-evaluated, and the rapid development of scene payment has made people who once asserted the death of offline entities evade this "old theory", and vice versa. The big data accumulated by third-party payment companies is being applied to services in various industries through full exploitation and application. With the help of third-party payment companies, the offline real economy is rapidly emerging in new ways.
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