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Adhere to the O2O boom, third-party payment companies to accelerate the diversification
Recently, Analysys think tank released the “China Third-Party Payment Industry Business Extension Research Report 2014â€. The report analyzed the development status of the third-party payment industry. In 2013, China’s mobile payment market entered an explosive growth stage, and the overall transaction scale exceeded 130 billion yuan. The year-on-year growth rate was as high as 800.3%. The development of the industry has also promoted the intensification of competition in the payment market. As a result, many third-party payment companies have gradually carried out strategic business expansion and sought new business opportunities.
According to the Analysys of Analysys, the development of the third-party payment industry will include two directions. First, it will expand into other areas of the payment business itself to provide more diversified and comprehensive payment products and services, also called the basis of the business. Sexual extension. Second, it is an innovative development of cross-border business, which will channel and platform the payment business, also called the cross-border upgrade of the business.
Basic extension - industry development first
In today's business development, third-party payment companies have extended their fields according to the characteristics of their own businesses, which has become the only way for each to find differentiated competition. According to the reporters of the Nanfang Daily, at the launching of the “General Administration of Customs Cross-border E-commerce Customs Clearance Service Platform†held recently, the Quick Money Company participated in the system as the first batch of pilot payment enterprises officially approved for filing in the customs. The docking and implementation of the program. The reporter learned that before the cross-border import and export e-commerce could not be officially declared due to cross-border parcels, it was unable to comply with the ill-health of the purchase and settlement of foreign exchange. Through the implementation of this comprehensive project, it was completely solved, and the company was paid through fast money. Customs filing and cross-border payment services, reporting and purchase and settlement of foreign exchange, so that the country can combine such Internet cross-border transactions to the balance of payments, supplement the original statistical caliber, and can make cross-border e-commerce and tradition The import and export trade enjoys the relevant tax rebate subsidies.
Compared with the deep integration of fast money and industry customers, Lacara is expanding its mobile acquiring business on the basis of the payment business itself as the largest third-party payment company under the line. According to reports, in March this year, Lacala launched a new mobile phone collection treasure, and launched a mobile mobile acquiring business, which is opening up a new blue ocean outside the mobile payment field. It is reported that Lakara mobile phone collection treasure is mainly for small and micro merchants. It is a new mobile acquiring product based on Internet thinking. It has carried out all aspects of innovation in the existing POS mode in terms of shape, price and profitability. It also uses innovative Bluetooth signals to connect to mobile phones, replacing the traditional POS wired connection. Added value-added services such as repayment, transfer, and payment to the POS function, and is also compatible with financial IC card payment. According to statistics, the sales volume of mobile phone collection treasures reached 500,000 units in more than one month after listing.
Cross-border upgrades - close to the O2O boom
As the hottest topic nowadays, O2O represents a huge business opportunity in the Internet industry. As one of the basic services for the development of the O2O model, third-party payment companies also hope to upgrade to the O2O boom through service upgrades.
Alipay, as a representative of third-party payment companies, has always been at the forefront of innovation. Recently, Alipay and Global Blue announced a strategic cooperation to jointly promote Alipay overseas tax rebate services. From now on, consumers can use the Alipay to apply for tax refunds in Europe and other places. The tax refund can be paid to Alipay within 10 working days, and the Alipay wallet can be checked in real time. It is reported that the service has taken the lead in covering the tax refund cooperation merchants of Global Blue in France, Germany, Italy, the United Kingdom and South Korea. Soon, merchants from Switzerland, the Netherlands and Spain will join. Through the development of the tax refund business, Alipay has brought great convenience to many consumers who go abroad to consume.
Compared with Alipay's “going outâ€, Lakara is trying to use the community e-commerce O2O model. According to reports, Lakara mainly relies on 300,000 convenience terminals that are maturely operated in more than 300 cities across the country, and launches a smart terminal product suitable for community users' habits and cognitions - Lacala. The products include self-service banking, convenience payment, living services, transfer remittance and other convenience value-added services. According to the reporter's understanding, the product is based on the community, using the community's mature shopkeeper's mature "community acquaintance network" to open the closed loop from online to offline. On the basis of not changing the original operation, the community store owner can superimpose the store treasure terminal, and then can carry out the community e-commerce O2O service through the “community mall†on the terminal, and obtain a certain commission in the profit of the commodity. Also paying attention to the community O2O is also from the No. 1 store. Recently, the No. 1 store announced a strategic cooperation with the family FamilyMart China, and provided the order package parcel service for 300 family convenience stores in Shanghai. According to the introduction, when the user places an order in the No. 1 shop, he chooses the nearest FamilyMart convenience store. After the parcel is delivered, he will receive a text message notification. The whole family will arrange a special person to keep the parcel. The user will pick up the valid ID card and the mobile phone number. In May of this year, Yu Gang, Chairman of No. 1 Store, analyzed the e-commerce trend in the next five years at the 12th Chinese Business Leaders (Shanghai) Summit. He believed that traditional retail is going online, e-commerce goes offline, and finally It is the fusion of O2O. Future online and offline retailing will complement each other and leverage their unique advantages to provide customers with multi-channel and different-sales shopping solutions.
From mobile payments to mobile invoicing to community e-commerce O2O services, industry insiders say that as third-party payments become the foundation of more and more business models, more diverse third-party payment models will emerge. The third-party payment industry is also facing more intense competition.