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The author:(作者)左published in(发表于) 2013/11/12 12:34:32 Payments are running out of time slightly， banks were kidnapped
PayPal micro dark war letters, Bank kidnapped-PayPal wallet, PayPal, micro-banks, micro--IT information Payments are running out of time slightly, banks were kidnapped
As two big mobile phone software, PayPal wallet has been infighting between micro-and, in particular the recent PayPal wallet, access to most of the Bank's public service, great challenges trend micro-banks.
In the view of some bankers, banks apparently has been paid by a third party "kidnapping".
The 14 banks
Access PayPal wallet
PayPal recently announced that China Everbright bank credit card online PayPal wallet, the PayPal Mobile App, users simply add a PayPal wallet "Everbright credit card" service to the public, can access the card balance and account information, handling billing stages, understanding online promotions and other. In addition, other bank cards can also be used, as well as "balance of treasure" Everbright credit card repayments.
Everbright official says credit card Center, on-line public services platform currently includes the basic service features, more personalized financial services will be introduced in the future.
Alipay, China Everbright Bank, public services on-line 7 days, has more than 500,000 fans. Securities times, found that, with the exception of China Everbright Bank, PayPal wallet you can add bank account to the public includes 13 major commercial banks in the country. One PayPal insiders told reporters, Alipay is now with more banks to discuss cooperation.
"Most of the banks are interested in accessing PayPal wallet, Alipay, micro-current mobile Internet Enterprise Portal, users highly active, small and medium sized banks in order to achieve access to customers through various channels, must also collaborate with third party mobile phone application has become the Bank will have to accept the selection. "An analysis of joint-stock banks ' e-banking Department said.
Worth noting is that PayPal wallet large access bank services to the public, recycling the equivalent of a micro-Bank. Previously, has nearly 600 million users of the micro-letter is regarded as powerful by Alipay, Alibaba's rivals.
On October 16, Alipay Alipay announced in the latest version of the joined the public service functions in the wallet, which is regarded by the industry as Alipay to micro-challenge, the Bank launched high profile of the public service, will inevitably make the intense market competition is more of both.
Alipay and micro-letters
Competitive upgrade
IResearch data shows that third quarter of 2013, including third party Internet payments paid by the mobile Internet market scale of 1.42 trillion dollars, rose 26.7%. Among them, the payments are spread over 48.8% market share, slightly behind the letter to pay caifutong to 18.7% followed by market share, compared with the two advantages:
And other mobile phone applications compared to emphasize public account inquiries, communication and other functions, PayPal wallet has advantage in paying, stronger financial property, financial payment and financial management through the software users, higher acceptance of security, more suitable for banking institutions to get involved. According to the data provided by Alipay, PayPal wallet has more than 130 million downloads, and Alipay account has more than 800 million.
Superior micro-App user stickiness, micro-payment is currently the highest user stickiness, the many social software of the most active, most people would communicate with friends, family, and customers in real time and to maintain a high frequency of use, the future mobile payments will carry more offline payment (O2O) elements.
For commercial tenants, micro-believed to be a good foreign non-cash transactions, business consulting, and marketing to push information platform. Therefore, highly social networking user viscosity of micro-payments and numerous online merchants, not inferior than their Alipay for their future development.
Worth noting is that PayPal wallet and micro-payments in the near future with new branding. PayPal is a member of Ali small micro financial services group's Chief Executive, recently said Peng Lei, distinguish between Alipay and PayPal wallet, functioning as a separate brand.
In the industry's view, this is PayPal Mobile to further "Taobao" moves, and PayPal wallet product patterns and business models will also be more mature.
However, micro-payment nor taken lightly, reporters found that micro-payments held in Guangzhou and other cities in the near future for a number of days for product promotion activities, cooperation and expanding online merchant.
In response, Wang Weidong says, reflecting the battlefields of third party payment has been transferred from the computer moving side to side, as opposed to gradual saturation of the Internet market, O2O marketing is still a new Blue Ocean, and profit margins may be greater, Alipay and micro-hope can quickly gain market share.
However, the former joint-stock banks ' e-banking Department official said that regardless of how third party payment Development Bank Foundation will still have not, after all, still bank savings accounts, issue bank cards remains the subject of banks. "Kidnapped" process is in fact banks are looking for new business processes.
支付宝暗战微信，银行被绑架 - 支付宝钱包,支付宝,微信银行,微信 - IT资讯支付宝暗战微信，银行被绑架
作为两大热门的手机软件，支付宝钱包和微信之间一直在明争暗斗，尤其是近期支付宝钱包接入了大部分银行的公众服务，大有挑战微信银行之势。
在一些银行人士看来，银行显然已被第三方支付“绑架”了。
14家银行
接入支付宝钱包
支付宝近日宣布，光大银行信用卡正式上线支付宝钱包，即支付宝的手机App应用，用户只需添加支付宝钱包中的“光大信用卡”公众服务号，即可查询卡内余额和账户信息、在线办理账单分期、了解优惠活动等。此外，还能使用其他银行卡以及“余额宝”为光大信用卡还款。
光大信用卡中心相关负责人表示，目前上线的公众服务平台包含了基础服务功能，未来将会推出更多个性化金融服务。
据支付宝方面称，光大银行的公众服务号上线7天，粉丝数已超过50万。证券时报记者发现，除光大银行，支付宝钱包中可添加的银行类公众账号已包含了13家全国主要商业银行。一位支付宝内部人士对记者称，目前支付宝正与更多银行洽谈合作。
“大多数银行均有意接入支付宝钱包，支付宝、微信这些互联网企业目前掌握了移动端入口，用户活跃度高，中小型银行为了实现多渠道接触客户，也必须与其合作，第三方支付的手机应用已成为银行不得不接受的选择。”一位股份制银行电子银行部负责人分析说。
值得注意的是，支付宝钱包大规模接入银行公众服务号，相当于再造了一个微信银行。此前，已接近6亿用户的微信一直被支付宝和阿里巴巴视为强大的竞争对手。
10月16日，支付宝就宣布将在最新版的支付宝钱包中加入公众服务功能，这已被业界视为支付宝向微信发起挑战的举动，此次银行公众服务的高调推出，势必将令两者的市场争夺战更加白热化。
支付宝与微信
竞争升级
艾瑞咨询数据显示，2013年第三季度包括移动互联网支付的第三方互联网支付市场交易规模达1.42万亿元，环比增长26.7%。其中，支付宝占据48.8%的市场份额，微信支付背后的财付通以18.7%的市场份额紧随其后，两者相比各具优势：
与其他手机应用公众账号更强调查询、沟通等功能相比，支付宝钱包在支付方面具有优势，金融属性更强，用户通过该软件进行金融支付和理财，对安全性的认可度较高，更适合银行机构参与其中。据支付宝提供的数据，支付宝钱包的下载量已超过1.3亿，而支付宝账户早已超过8亿。
微信App在用户黏性上更具优势，微信支付目前是众多社交软件中用户黏性最高、活跃度最强的，大部分人都会和朋友、家人、客户保持实时沟通，并保持着较高的使用频率，而未来手机移动支付将承载更多离线支付（O2O）元素。
对于商户来说，微信是一个很好的办理非现金业务、业务咨询以及营销信息推送平台。因此，拥有高度社交用户黏度以及众多线下商户的微信支付，其未来发展不会比支付宝逊色。
值得注意的是，近期支付宝钱包和微信支付都在品牌推广方面有新动作。支付宝所属的阿里小微金融服务集团首席执行官彭蕾近日称，支付宝钱包将与支付宝进行区分，作为独立品牌进行运作。
在业内人士看来，这是支付宝移动端进一步“去淘宝化”的举动，且支付宝钱包的产品形态和商业模式也将更加成熟。
不过，微信支付也没有掉以轻心，记者发现，近期微信支付在广州等多个城市举办连续多天的产品推广活动，并不断拓展线下商户的合作。
对此，王维东表示，这反映出第三方支付的战场已经从电脑端向移动端转移，因为相对于逐渐饱和的互联网支付市场，O2O市场仍是一片新蓝海，且利润率可能更大，支付宝和微信都希望能快速抢占市场份额。
不过，前述股份制银行电子银行部负责人表示，无论第三方支付如何发展，银行的基础地位仍然会屹立不倒，毕竟储蓄账户仍在银行，发行银行卡的主体仍是银行。“被绑架”过程其实是银行寻找新业务增长点的过程。
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