With the fingerprint binding bank card, you can complete the credit card consumption on the specific POS machine. The PayPass business has been carried out in Shanghai for many years, but it has not set off a lot of storms. In the third-party payment market, Alipay and Lakara have been robbed by the rising stars. Recently, Liyi Technology Co., Ltd., which operates the business of PayPass, announced that it will enter the Beijing market. This has once again aroused people's concern and doubts: Since the performance in Shanghai is dull, can it be successful to go to Beijing? In this regard, Futong said that he has taken a detour in the past seven years, and the development of the Beijing market may become a new starting point for Futong.
Long-term can't make ends meet
Liqun Technology, which started in Shanghai seven years ago, has attracted a lot of attention with the new model of fingerprint payment. Initially, PayPal adopted a fingerprint card to enjoy the discount to attract users. The first batch of discounts on fingerprint consumption even once reached 1 yuan to redeem some brands of cakes and packages, with huge preferential margins, The first batch of users. The reporter learned from the director of the Public Relations Bureau that the mode of operation at that time was to advance the funds to the merchants with a discount of 50% or less, and the users enjoyed the payment through the payment to the merchants. 10%-20% of the discount, once the merchants return the money to the interest, the payment will be able to earn the intermediate 10% to 20% discount spread.
In this regard, it was acknowledged that in the long period of time, the pay-for-pass was in a passive situation: users only used the discount when they paid for it, and the adhesion was not high. Only through continuous advancement can the use of the crowd. Under the predicament, Li Xiaoqu was basically unable to make ends meet in the past few years.
Beijing is starting again?
In fact, the payment is basically in the industry, the situation is not good, many people in the industry comment on this: very promising. Di Tiecheng, an independent observer of e-commerce, believes that compared with last year's fierce mobile phone payment, Zhifutong does not have the development resistance of banks and operators. As long as the bank is around, it can form an industrial chain, which is relatively simple. Technically, the possibility of being counterfeited is diminishing. Therefore, its development prospects have considerable potential, but in the market, it is impossible to form a climate. Some experts believe that the problem is still that the industry chain cannot form a joint force.
For the test of the Beijing market, it was regarded as the second departure by many people. “Companies such as Lakara are located in Beijing, and Beijing is the headquarters of major banks. This advantage is outstanding.†In the eyes of the industry, for third-party payment, what they have to do is promote, such as using bank resources. Promote. Some experts even pointed out that for PayPass, it may be better to promote it in Beijing from the beginning.
Regarding this statement, Liqun Company agreed that the director of public relations, Mr. Fei, said that the company has taken corresponding measures in the previous difficulties in the promotion and the lack of funds to recover. The most important thing is to introduce the national bank card. The payment platform is based on the “Guo Cai Tong†online electronic stored value card distribution platform. "Through this settlement platform, the agent will also obtain the agency rights of the two platforms of 'Guo Cai Tong' and 'Fing Fu Tong', and will be able to obtain the profit of the platform and the commission fee for the two transactions. The enthusiasm of the agents. On the other hand, Liyi will also further promote the scope of users of Zhifutong through the “funding operatorsâ€, and the “electronic stored value cards†issued by the “funding operators†through the purchase of the merchants. The user can be authorized to enjoy the “electronic stored value card†discount for free, and the “investment operator†income refers to the difference between the actual consumer price and the purchase price after the user enjoys the discount. In addition, in order to speed up the fund recovery, the payment will be introduced or will also be launched this year, and the credit card slot will be added at the same time as the fingerprint payment.
The industry still has a wait-and-see attitude toward the new reform measures: this model has certain requirements for the agent's funds and promotion capabilities. It is best to have some local government resources or group purchase resources to promote and sell products or services. It is understood that the project of PayPal in Beijing has not yet landed, and it is still in the stage of finding agents.
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