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The reporter has written a lot of articles about mobile payment. There is no doubt that mobile payment is a big trend, and it is also a hot word at this stage. Some companies that make payments, such as Ali, Tencent, Jingdong, Baidu, etc., are often on the headlines, and some say Mobile payment is the terminator of the pos machine.
But this article does not want to talk about mobile payment tools, but to take you to know about POS machines. You have to say that the mobile payment era, but also talk about POS machine? It is necessary to know that the development of cash has taken 300 years, the development of bank cards has taken 50 years, the payment of online has taken 10 years, and the mobile payment may take only 3 years, and the POS machine will soon die out in the near future. However, existence is reasonable, and POS machines will not be replaced at this stage.
Is the history of the POS machine really going to end?
Although the era of mobile payment is coming, major corporate giants such as Alipay, WeChat Payment, and Jingdong Payment have launched offensives to compete for mobile payment. But looking at it, big shopping malls, large shopping malls, small convenience stores, community canteens, a small black box is still on the checkout counter, and there are many consumers using POS machines to swipe their cards. The so-called Yangtze River waves push forward waves, the former waves die on the beach, but the POS machines on the beach are not dead, why are mobile payment eras, and the merchants on the streets are still using POS machines?
The history of POS machines can be traced back to the 1990s, when POS machines were expensive, software was not mature, and domestic brands were few. Only a few high-end stores could use POS machines. With the wide application of information technology in retail enterprises, the demand for management functions of small and medium-sized supermarkets has increased and the requirements of users have risen. The popularity of information technology has become more and more urgent. The POS machine market has also attracted more domestic brands to enter, and prices have gradually increased. Down, the scope of use of POS machines has gradually spread, and now POS machines are standard for any supermarket, shopping mall, convenience store and other businesses.
From the history of the POS machine, we can see the change in payment habits, and the credit card payment is never trusted to be accepted slowly. The POS machine changed a payment habit and also enabled the merchant to implement information management. After more than 20 years of development, POS technology has matured. The fundamental problem solved by POS machines is the speed of consumers and merchants. It is not only conducive to providing standardized services for merchants, but also making the consumer experience more expensive than previous accounting. It is much better.
It is also the development of more than 20 years, the POS system of the merchant has formed a system. Even if the mobile payment is overwhelmed, the merchant can not easily give up the POS system that he has been operating for many years and adopt the new payment method, so often see The scene is that there are signs of mobile payment such as WeChat payment or Alipay on the merchant's checkout counter, and there are also many POS machines.
Moreover, although POS machines are criticized a lot, they are safer than mobile payments. Because POS machines cooperate with banks, banks have mature digital authentication systems and other security systems for authentication.
In addition, the POS machine did not stop innovation. In 2014, the sales volume of POS machines soared, and the effective use of domestic networked POS terminals (traditional POS, mobile phones, and mobile POS machines) reached 7.12 million units. At the end of 2014, China's financial mobile payment technology standards were finalized. Immediately after 2015, mobile payment ushered in a big outbreak. Mobile POS machines and mobile mobile POS machines still have a large market space. If the two major industries of express delivery and e-commerce are the fastest-growing industries for mobile POS machines, the O2O market will promote the rapid development of mobile POS machines.
Mobile payment is rapidly attacking offline, why is the business tempted
Although the POS machine is much more advanced than the previous transaction methods and merchant management, there are still some problems that the POS machine can't solve. POS machines always have problems with both fish and bear's paw. For example, wireless POS machines are difficult to trade in the case of unstable communication signals, data is easy to lose and the cost is higher than wired POS machines. Wired POS machines have scope limitations, and the customer experience is worse than wireless POS machines. In addition, the application procedure of the POS machine is complicated, and it is often necessary to prepare a lot of documents, fill out an application form, sign a service agreement, etc., and wait for a period of time to pass the review after submission.
Mobile payment effectively solves the above problems, and the application procedure is convenient, the operation is simple, and the rate is low. When paying, consumers only need to pay by QR code or sound wave, which is convenient and fast. Due to the improvement of technology, the billing rate under the mobile payment line is generally lower than that of the POS machine. In addition, although the POS machine makes the management information of the merchant, However, mobile payment makes informationization more valuable. Through data, consumers can analyze their shopping habits and consumption levels, and then achieve precise marketing.
According to the data provided by iResearch, in the first quarter of 2015, the transaction volume of China's third-party mobile payment market reached 2001.56 billion yuan, up 139.2% year-on-year. It has covered various life scenarios of food, clothing, housing, shopping, drinking and drinking. It can be seen that the offensive of mobile payment is amazing.
Why do people still use POS machines at this stage? In addition to the fact that mobile payment has not yet formed a certain scale, first, the habitual thinking of merchants and consumers has not yet been broken. Second, the POS machine acquiring system accumulated by merchants for many years has formed a large amount of data, and is reluctant to give up POS machines to use mobile in the short term. Payment; third is the security issue. The security system of the POS system is getting better, and the security system of mobile payment is still in its infancy; Fourth, the potential market for mobile POS is an infinite data, and it is not inferior to remote payment.
Perhaps the POS opportunity to enter the museum with the arrival of the mobile payment era has become history. Whether you can catch the last straw is a huge test for POS machines. After the predecessors planted trees, people took advantage of the cold, and the POS machine broke the original consumption thinking, at least making consumers have a stable excess of Internet payment. The mobile payment era may have made software payments, but it cannot be denied that there are credits such as POS machines.
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