People's daily: pay the electricity bills but also software, "e treasure" ignore user needs-national grid, e Po, PayPal-IT information
Too much homogeneity of competition, may be a waste of resources. Launch a paid product, are for the convenience of users, rather than "my own prison", "not me". By imposing the "market" win a surge in the number of users, it is by no means a long-term solution.
A few days ago, I see meter blinking red light at home, know that the electricity bill is due. And utilities before running to banks, now as long as you know the user number in PayPal or micro-simple steps to complete payment, time saving and convenient.
Rapid development of third party payment for online shopping has brought great convenience, life paying for. Internet banking is becoming funds pursued the "meat and potatoes". Payment card, micro-payments, as well as Apple's launch of the Apple Pay, makes it easier to user transfers by moving the end-consumer. Data shows that a quarter of this year, there were handled 26.797 billion non-cash payment in the amount of 888.28 trillion yuan, of which, 10.443 billion online payment, mobile payment 5.615 billion.
However, more and more enterprises to join the "grab the market" category, think a piece, also sparked some comments and concerns of the community. For example, recently launched its own payment platform to the national grid "e treasure", in addition to the payment of electricity bills, "e treasures" collections loans, health care, shopping, wealth management, and other functions. Many people questioned after paying your electric bill is only "e treasure", micro and PayPal cannot be used? While national grid responded that "e treasure" after the release of socialization through third party payment channel pay customers can still choose the same way, but on the "e-Bao" issue does not stop.
View other payment channel pay now available, but it is difficult to ensure some atmospheric crude companies will not in the future thanks to the strong market monopoly status to pushing their own payment platform. In addition, in the software download area, users have to ridicule "e treasure" unable to send verification code, registration failed, some functions need to download additional software in order to achieve and so on, user experience is still in need of improvement.
Money investment and what is the market the "kingly way" is understandable . Up to a point, "e treasure" expresses the traditional monopoly expects to consolidate existing service channels, enhance the level of intelligent interactive services wishes. The problem is that is also tentacles to the field of e-commerce, build on Internet "+" express train, realize the convenience of homes, why "e treasure" did not get the expected support and praise?
Households without electricity, both to pick up electricity bills, or mobile clients, such as pay, seems to be not the user to decide. Convenient payment channels used a third party through a platform to get electricity, gas and other expenses, but no reason to more software will undoubtedly make people uncomfortable . Not only that, but some worry that once the "e treasure" cut open, will "water e treasure" "coal e treasure" platforms such as rushing? Will another consumers install a bunch of similar software? More alone add user name password, trouble bound bank card accounts. Homogenization of excessive competition, may also lead to a waste of resources.
"Grab the market" cannot be converted into "market". Popular third party payment market is certainly attractive, but introduced a product for the convenience of users, not "my own prison" exclusion of others, don't have to allow consumers to "my products". Good products, marketing said so, user will select their own products, rely on forced "market" win a surge in the number of users, it is not a long-term plan.
"Grab the market", it is important to grab the user's heart. From a focus on experience, to meet the demand for innovative products and services, more welcome by the users, pushed by the national grid tariff charged to the payment products seem justified, but "justified" is not a reason for ignoring the user experience. Now, people need not only a new piece of software, a given phone functions, but also solves the pain of life, and what a new experience. The details well, have the capital received applause. Black screen flashing back, waiting too long could be user "black" reasons, in turn, interface personalization, on-demand pushed information as users like power. Experience a sense of cool, praised increased, users will naturally follow.
人民日报：交电费还要安软件，“电e宝”漠视用户需求 - 国家电网,电e宝,支付宝 - IT资讯
过多的同质化竞争，可能造成资源浪费。推出一款支付产品，是为了方便用户，而不是“画地为牢”“非我不可”。通过强行“圈市场”赢得用户数量的一时猛增，绝非长远之计。
前几日，笔者见家中电表不停地闪烁红灯，明白又该交电费了。与之前水电煤气费都要跑去银行不同，现在只要知道用户编号，在支付宝或微信上简单操作几步就能完成缴费，省时又方便。
第三方支付的快速发展给网上购物、生活缴费等带来了极大便利。互联网金融风头正劲，成为各路资金竞相追逐的“香饽饽”。支付宝、微信支付以及苹果公司推出的Apple Pay，使得用户通过移动端消费转账更加方便。数据显示，今年一季度，全国共办理非现金支付业务267.97亿笔，金额888.28万亿元，其中，网上支付业务104.43亿笔，移动支付业务56.15亿笔。
然而，越来越多的企业加入“抢市场”的行列，想从中分一杯羹，也引发了社会上一些议论和担心。比如，日前国家电网推出自有支付平台“电e宝”，除了缴纳电费，“电e宝”还集合了贷款、购物、财富管理、健康医疗等功能。不少人质疑，以后缴电费是不是只能用“电e宝”，微信和支付宝都不能用了？虽然国家电网回应称，“电e宝”推出后，通过社会化第三方支付渠道交费的客户仍可选择原方式不变，但关于“电e宝”的争议并没有停歇。
有观点认为，现在仍可用其他支付渠道缴费，但将来很难保证一些家大气粗的企业不会借助市场垄断地位来强推自己的支付平台。此外，在软件下载区域，用户纷纷吐槽“电e宝”存在无法发送验证码、注册总是失败、一些功能需下载附加软件才能实现等问题，用户体验方面仍有待改进。
什么赚钱投什么，是市场的“王道”，也无可厚非。在某种程度上，“电e宝”表达了传统垄断行业期望整合现有服务渠道、提升智能互动服务水平的愿望。问题在于，同样是将触角伸到电商领域，搭上“互联网+”的快车，实现足不出户的便利，为何“电e宝”没有得到预期的支持与赞扬？
家家户户离不开用电，但无论是回归到上门收电费，还是用手机客户端等方式缴纳，似乎都不是用户所能决定的。习惯了第三方缴费渠道的便利快捷，通过一个平台搞定水电煤气等多种开销，却平白无故要多几个软件，无疑会让人不爽。不仅如此，有人担心，一旦“电e宝”口子开了，会不会“水e宝”“煤e宝”之类的平台也扑面而来？消费者是不是又要安装一堆相似软件？更甭提增添记忆用户名密码、绑定银行卡账户等麻烦事了。过多的同质化竞争行为，还可能造成资源浪费。
“抢市场”不能变为“圈市场”。火爆的第三方支付市场固然吸引力很大，但推出一款产品为的是方便用户，不是“画地为牢”排斥别人，不是非得让消费者“用我的产品”。产品好不好，市场说了算，用户会选择自己满意的产品，靠强行“圈市场”赢得用户数量的一时猛增，并不是长远之计。
“抢市场”，重要的是抓住用户的心。从注重体验、满足需求出发来创新产品和服务，更能受到用户欢迎，国家电网推支付产品收电费看似名正言顺，但“名正言顺”不是忽视用户体验的理由。如今，人们需要的不再是单纯的多一款新软件、给手机添一个功能，而是又解决了什么生活痛点、又带来了哪些全新体验。把细节做好，才有资本获得掌声。黑屏闪退、等待过长都有可能是用户“拉黑”的原因，反过来，界面个性化设置、按需推送信息则会成为用户点赞的动力。体验感爽了，好评度提升了，用户自然也就跟着来了。