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A few days ago, CICC launched a heavyweight report in the opening year - "The Third Party Payments Review: The Survival Strategy for the Silver Age." According to the report, the overall transaction volume of third-party payment in 2016 reached 87 trillion yuan, a year-on-year increase of 73%. Among them, offline POS receipts increased by 54% to 22 trillion yuan, accounting for about 25% of the total; Internet payment transactions reached 65 trillion yuan, accounting for 75%, of which PC-side growth was 36%, mobile payment growth Reached 110%.
After several years of development, the competition for mobile payments has actually entered a deepening.
CICC’s report clearly stated that the offline market is just a big blue sea that has just sailed. The market space of this blue ocean, CICC's assessment is "5 times on the line." The opening of this new blue ocean benefited from Alipay's innovative use of scan code payment. The promotion cost, pre-cost and arrival cost of this payment method are lower than the offline POS receipt, and the rebate ratio is higher than the offline POS receipt, thus quickly occupying the market.
Alipay and WeChat payment have formed a “network effect†that is difficult to shake – Alipay has more than 1 million offline merchants + 400 million monthly active users; WeChat pays more than 700,000 offline merchants + 400 million monthly active users, enters users to promote merchants to pick up Incoming and merchants accept a virtuous cycle of increasing user stickiness.
The situation of deep competition has gradually emerged. The market based on e-commerce, social scenes, payment scenarios and large subsidies will bring very broad prospects for Alipay and WeChat payment in the next few years.
After the melee, the competition for mobile payment will become even more intense. Alipay from Ali background and Tenpay in Tencent background, the parent company can be described as “rich and richâ€, and has been deeply involved in the Internet for many years, and has a large number of user preferences and other data. analysis.
CICC believes that based on the three levels of products, scenarios and ecology, Alipay's market share in the mobile payment sector is gradually stabilizing, and the future development space is greater than WeChat payment. According to the report, the data shows that Ali Huahua, borrowing more than 100 million users, and micro-credit is over 20 million; Yu'ebao has over 300 million active users, while Li Caitong has over 20 million. When the experience of the payment link is almost the same, users will pay more attention to the full range of financial services after payment.
The report believes that in the C-side competition, Alipay's convenience in payment and consumption, complete financial management, and more accurate user image data can have a good impact on Alipay's next layout. At the same time, the report also confirmed Alipay's support for 20 million small and medium-sized businesses.
As a user's only one-day open app, WeChat has the natural competitive advantage of social networking. Through the incision of acquaintances, it is also a lot of promotion under the cable, and the future competitiveness can not be underestimated.
At the moment, both Alipay and WeChat are still in full development, and the mobile payment industry has a lot of imagination in the future.
In short, after several years of rapid development, China's mobile payment user education has been completed. The next step in the development of internationalization, in the depth of user services. Looking back on the past, the author believes that the prosperity of mobile payment in the past few years has a positive significance for stimulating consumption and promoting the whole society from investment-driven to consumption-driven. At the same time, the popularity of mobile payment has also enabled more people to use basic financial services that are both versatile, beneficial and safe, and have contributed greatly to the development of China's digital inclusive finance and narrowing the urban-rural development gap.
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