Apple Pay to use, it has also become China's cash-killer-IT information
This morning, Apple released new MacBook, MacBook Cook told reporters after the launch, the company's mobile payment service Apple Pay to absorb very large amounts of funds.
He said: "we'll kill for cash, no one would like to take cash. "In addition, the CEO also said themselves is basically Apple Pay to buy things .
Apple Pay development appears to be good, just entering the Japan market. But in the Chinese market, Apple Pay less viable. When dust in Apple Pay China, tie card number was very optimistic.
Then a few months later, Apple Pay quickly silenced, except Apple Pay logo to remind people of the bank machine iPhone also has this function. From the network to the supermarket, we see is PayPal and identification of micro-payments, even Baidu wallet than Apple popularity Pay.
Apple can't Pay cash killer in China? We take a look at.
Preconceptions, payment tools
While Internet companies in China than the United States slow clap, but rely on the Internet closed the advantages of size and population, the evolution speed is the United States can't be compared. Originally, the electricity provider, O2O are the United States, but now more than popular, than the service, Internet companies in China are far ahead.
Pay is also like this, Taobao has spread over 10 years ago, and PayPal then came into being.
Long before the mobile Internet era, many Chinese had been binding my bank card Alipay account.
The mobile Internet era, micro-credit, the later Giants Baidu wallet, must go through the red, subsidised food from the PayPal. Apple Pay recently when the market already divided up is completed.
In the United States, Apple Pay to kill cash, in China, to kill the local cash and bank cards, payment card, micro-payments, Baidu wallet payment tools such as early occupation is finished.
In the United States, Apple Pay be used rifles to machetes, in China, all with M1 jialande AK47,Apple Pay (a rifle) isn't going to nature.
Second, hardware closure restrictions spread
Kill the cash, you first need to replace hardware for cash. In the era of credit cards, credit cards, in the era of mobile Internet, smart phones.
Apple as hardware vendors, Apple Pay for its hardware services, using only their own hardware. IPhone's market share continues to 20%. That is if Apple Pay on business equipment, only for 20% users. And 80% users also have to use PayPal, by using the letter.
Problem is, iPhone can put PayPal, installed app, this 20% of iPhone users use PayPal or the app can cover, why reinvent the wheel to hold Apple Pay?
And Apple Pay is not free of charge, PayPal and the rational use of existing equipment under information line, QR code to clear on the line. And Apple needs to allow businesses to upgrade equipment. Users have been less, this part of the user to the payment card, the app can also be covered. Businesses spend more to upgrade equipment, but there is no any additional returns, the capitalists sellers do.
Third, no basis, no income
In the field of payment, PayPal than cattle, this is because the payment Bao Taobao transaction. Payment transactions is a rigid demand, you Taobao had Alipay, PayPal Internet banking convenient, then PayPal pre-installed, and bank accounts are opened.
In recent years, PayPal features greatly expanded not only Taobao shopping can make utilities, support for travel, meals, and credit card payments. Precipitation also can balance the balance of treasure. Users do use PayPal, for offline payments created.
Tencent's business is weak, but the app installed capacity is high. And micro-mobile phone number registered, you can take a large group of Internet, mobile Internet than older people. So, Tencent integrates into the micro-payment and bonus activity is used to establish relationships with bank cards.
The rigid demand of as much as PayPal, but Tencent opens up a large number of PayPal users.
While micro-line universal did a good job, restaurants, supermarkets are micro-payments, development can.
Apple Pay to no basis in China, not only electrical contractor, partner number under the line is very small. Exclusive partnership with Apple Pay, not to cooperate with Alipay, the app almost nothing.
Result is that Apple Pay demand, can be completely replaced. Mobile Internet pay is nothing more than the pursuit of convenience than cash, lower than the credit card fees. And Apple Pay and payment card, the app is not convenient for pay, no benefits.
Apple Pay there is no basis, no exclusive tempting market. In this regard, and Baidu Baidu wallet O2O preferential support. So Apple Pay is difficult to develop.
Four, no subsidies, no future
Apple Pay to developments in China, not competing with cash, but with PayPal, micro-pay competition. Micro-payments are subsidies and bonus that year open. Apple Pay to market share is no exception.
Bound to no avail, is useful in the bound jointly and severally liable, or you want to use Apple's own open Apple Pay a discount store, or subsidised partners, partner offers, users are happy to use for partners willing to provide Apple Pay for equipment.
In China, the killer Apple Pay to be cash, without subsidies has no future.
Apple Pay虽好用，它也成不了中国的现金杀手 - IT资讯
今天凌晨，苹果新品MacBook发布，库克在MacBook新品发布会后接受记者采访时表示，公司的移动支付服务Apple Pay吸收的资金金额非常大。
他这样说道：“我们将杀死现金，没有人会喜欢带着现金。”另外，这位CEO还表示，自己基本上都是用Apple Pay购买东西。
Apple Pay的发展似乎不错，刚刚进入了日本市场。但是在中国市场，Apple Pay就没有那么风光了。在Apple Pay轰轰烈烈入华的时候，绑卡数一度非常乐观。
然后几个月后，Apple Pay就迅速沉寂，除了银行提款机的Apple Pay标识提醒人们iPhone还有这个功能以外。从网络到超市，我们看到的还是支付宝和微信支付的标识，甚至百度钱包也比Apple Pay普及。
为了Apple Pay当不了中国的现金杀手呢？我们来看一下。
一、支付工具先入为主
虽然中国的互联网企业发展比美国慢一拍，但是依靠互联网封闭和人口规模的优势，发展进化速度是美国不能比的。本来，电商、O2O都是美国先搞起来，但是如今比普及，比服务，中国的互联网企业都遥遥领先。
支付也是这个样子，淘宝在10年前就已经普及，而支付宝随之应运而生。
早在移动互联网时代之前，很多中国人就已经把自己的银行卡绑定了支付宝账户。
到了移动互联网时代，微信、百度钱包这些后来的巨头，都要通过红包，补贴从支付宝口中夺食。Apple Pay近来的时候，市场早就瓜分完毕。
在美国，Apple Pay要杀死现金，在中国，能够杀死现金和银行卡的地方，支付宝、微信支付、百度钱包等支付工具早就占领完毕。
在美国，Apple Pay是用步枪对大刀，在中国，遍地都是AK47，Apple Pay拿着M1迦兰德（一种步枪）来自然玩不转。
二、硬件封闭限制普及
杀死现金，首先需要替代现金的硬件。在信用卡时代，是信用卡，在移动互联网时代，是智能手机。
苹果作为硬件厂商，Apple Pay是给自己家硬件服务的，只用自己家的硬件。而苹果手机的市场占有率至今不到20%。就是说如果商家上了Apple Pay设备，只能为20%的用户服务。剩下80%的用户还得用支付宝，用微信。
而问题是，iPhone也能装支付宝，装微信，这20%的iPhone用户用支付宝或者微信就能覆盖，为什么多此一举去装Apple Pay呢？
而且Apple Pay不是免费的，支付宝和微信做线下都合理利用了现有设备，二维码去扫一下就行。而苹果需要让商家升级设备。本来用户就少，这部分用户可以给支付宝、微信还可以覆盖。商家多花钱升级设备，但是没有任何附加的收益，这种赔本买卖商家不做。
三、无交易基础，无使用收益
在支付领域，支付宝比微信牛，这是因为支付宝有淘宝交易。交易支付是刚性需求，你要淘宝就得用支付宝，因为支付宝比网银方便，然后支付宝就预装了，和银行账户就打通了。
最近几年，支付宝的功能大大扩充，不仅仅可以淘宝买东西，还能交水电费，支持外出旅游，用餐，信用卡还款。沉淀的余额还能存余额宝。用户几乎离不开支付宝，用于线下支付就顺理成章了。
腾讯的电商弱，但是微信装机量高。而且微信手机号注册的方式，可以把以前一大群在互联网、移动互联网之外的中老年人拉进来。所以，腾讯把支付集成到微信，然后用红包活动建立与银行卡的关系。
虽然不如支付宝的刚性需求，但是腾讯开辟了一大批支付宝之外的用户。
同时微信线下普及工作做得很不错，饭店，超市都能微信支付，发展的也还可以。
Apple Pay在中国毫无基础，不仅没有电商，连线下的合作伙伴数量也很少。独家与Apple Pay合作，不与支付宝、微信合作的几乎没有。
结果就是Apple Pay的需求，可以被完全替代。移动互联网支付无非追求比现金方便，比信用卡手续费低。而Apple Pay和支付宝、微信支付比并不方便，没有收益。
Apple Pay也没有交易基础，没有独占的有诱惑力的市场。这方面，百度钱包还有百度O2O的优惠支持。所以Apple Pay很难发展起来。
四、不补贴无前途
Apple Pay要在中国发展，不是与现金竞争，而是要与支付宝，微信支付竞争。微信支付当年都是补贴和红包开路的。Apple Pay要市场份额是不能免俗的。
绑定没有用，绑定连带使用才是有用的，要使用或者苹果自己开一个Apple Pay的优惠商店，或者补贴合作伙伴，让合作伙伴提供优惠，让用户乐于使用，让合作伙伴乐于提供Apple Pay的设备。
在中国，Apple Pay想当现金杀手，不补贴是没有前途的。