Recently, the People's Bank of China issued the “Guiding Opinions on Continuously Improving the Standards of Receiving Service Levels and Promoting the Development of the Receiving Service Marketâ€. The Central Bank stated in the “Guidance Opinionsâ€: Encourage the receipt of goods to provide “aggregate payment†services for merchants. Single-institution innovation that continuously improves merchant payment efficiency and consumer payment experience.
"Mobile payment" is gone, "aggregate payment" is coming
The concept of “mobile payment†is no stranger. WeChat payment and Alipay payment seem to cast a solid barrier to “natural monopolyâ€. After 2016, “aggregate payment†has become a hot spot in the field of Internet payment. From the policy perspective, the central bank recognizes the aggregation payment, explicitly encourages the aggregation payment, and gives the direction of compliance development. From the market, it is found that more and more trading scenarios online and offline are using aggregate payment to complete the cashier settlement. Payment has gradually become a mainstream trend.
In the view of Panda offers, “aggregate payment†is not just a combination of multiple payment methods, but an upgrade of the entire payment industry. The Panda Discount believes that the path of “aggregated payment†can be summarized into the following three aspects:
First, the aggregation of payment products
The first is the aggregation payment method, integrating bank card receipt, Alipay, WeChat, Jingdong, Baidu and other payment channels; the second is to aggregate application scenarios to form a one-stop aggregation of two-dimensional code, POS machine, SDK, and Taiwan card; It is the reconciliation of aggregate funds, realizing multiple payment methods, and real-time reconciliation; the fourth is to aggregate value-added services, to integrate upstream and downstream payment services, provider loans, consumer installment, customer financing, membership management, etc. Competitive advantages.
Second, the penetration of multi-angle market
Although mobile payment has been smashed into a bloody sea in first- and second-tier cities, it is generally blank in the third- and fourth-tier cities, counties and villages. Simple WeChat and Alipay payment cannot meet the demand of B-terminal merchants with intentions. Thinking reopened the city and county market, through payment as a traffic portal, cultivating user precipitation data, and then providing value-added services such as SaaS tools and reconciliation settlement tools, and finally transforming through asset management products and financial services.
Third, the docking of demand institutions
With the development of the Internet + market, user habits are gradually developed, and market expectations are becoming more and more obvious. Banks, e-commerce, third-party payment, consumer finance and other institutions are swarming in. The richness of the format brings diversity of demand and requires different payment interfaces. In combination with business logic, in this situation, Aggregate Payments can work with institutional platforms dedicated to building an ecosystem, with professional capabilities to make up for the shortcomings of its closed-loop trading.
Panda's preferential strength to make a big "aggregate payment" cake
The latecomers who missed the mobile payment bonus, betting on "aggregate payment" became a new hope. Panda offers a free "aggregate payment" cashier product as the market entry point. It has established sales branches in Shanghai, Ningbo, Suzhou, Wuhan, Chengdu and other cities, and recruits agents nationwide, including many third- and fourth-tier cities. The layout, 2017 Panda Offer will join hands with the majority of agents to seize the offline merchant market at the fastest speed.
“Using extremely low cost to expand traffic, this is what the majority of businesses are eager to hope for.†The demand for aggregate payment from traditional B-side merchants who are undergoing Internet transformation is growing. In 2016, Panda offers deep payment payment scenarios, establishes deep cooperative relationships with mainstream mobile payment channels such as Alipay and WeChat payment, and continuously obtains traffic from mobile payment ports; and strategically cooperates with ZTE, Ping An Bank and Haier Capital to ensure strategic cooperation. Business funds are safe, and the bank is fully authorized to manage funds to ensure compliance.
From another perspective, Panda offers are providing deep-seated products that cost, expand, manage, and operate traffic at a low cost. At the same time, it provides multiple services including aggregate payment, marketing tools, intelligent hardware and advertising finance according to the diverse needs of different merchants. The Panda Offer is expected to cover 300,000 B-end merchants in 2017. According to previous data estimates, the Panda Discount Payment Portal can deposit at least 3 loyal consumer users for merchants every day, and the total number of C-end households acquired by merchants through the Panda Discount Platform this year. Will exceed 50 million.
The domestic mobile payment market is a big market with a trillion level, and the aggregate payment market is looting. According to statistics, in 2016, China’s mobile payment business generated a total of 25.71 billion, and the amount of mobile payment has exceeded 157 trillion yuan. In the next three years, B-side merchants and C-end users who have settled through aggregate payment will bring multiple profits. Panda offers have clearly defined the direction of development. “Get started!†The Panda Preferential Team is confident and willing to make the aggregate payment cake bigger.
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