According to Apple's official news, Apple has confirmed with China UnionPay that Apple Pay officially settled in China today. This move means that the majority of fruit powder means that it has its own payment method.
The changes in the way consumers pay for the purchases are changing with each passing day. Following Alipay and WeChat wallet, this Apple Pay is different from third-party payment platforms such as Alipay and WeChat wallet. It does not need a network and does not need to transfer money. It is based on NFC (near-range wireless communication, within 10 cm) payment standard, and is directly bound to the bank card. When the payment is needed, the mobile phone can be swiped in front of the POS machine, which is very convenient. This seems to be a threat to Alipay and WeChat wallets that have occupied third-party payment platforms in mainland China.
Many experts believe that with the support of fruit powder, there will be a whirlpool in the short term, but in the long run, if there is no better marketing means, it will not shake the payment habits that the users have established.
Changes in user habits are not overnight
First of all, Alibaba and Tencent have spent billions of dollars on the road of cultivating users' habits, and through various intangible promotion, they have been able to succeed in only two or three years. In contrast, the landing merchants have also cooperated with Alipay and WeChat wallets to obtain a lot of income. Compared with this, although NFC, which is a non-contact communication tool, can realize “drip†fast payment, it is equivalent to a bank card after being bound with a bank card. At the same time, UnionPay attaches great importance to nfc, and has been paying attention to nfc in recent years. Promote its cooperation with mobile phone operators and operators, many well-known mobile phones have joined this function; Alipay and QQ wallet have also joined the NFC function in 2014 and 2015, both of which have a larger user base than Apple. In recent years, the number of users using NFC has been pitiful.
So, can Apple Pay succeed when many players can't support NFC? Maybe, but this process must be quite long, and it depends on UnionPay to do the lead instead of Apple. Like Alibaba, it costs more than a billion to do user promotion, and various intangible promotion. Maybe it will take a few years, or someone will use it. of.
The advantage of Internet payment is that the occupation of the business is king.
Is Apple Pay payment really more convenient than Alipay, WeChat wallet and other payment methods? After the operation, the author believes that for the sake of security risks, first of all, the process of binding the bank card is not likely to be simplified; secondly, the password and signature still need to be entered when paying, which is the same as the traditional credit card consumption process, and does not save too much. More time.
For merchants, choose Alipay and WeChat wallet as the settlement method, no need to install additional equipment, saving money. And Apple Pay, which needs hardware device support, needs some effort to get the approval of the merchants, especially the small and micro-businesses.
Behind Alipay, there is the use of thousands of merchants in the entire Taobao Tmall Mall; WeChat wallet has rushed Alipay out of Jingdong and occupied a large number of merchant markets, and what is UnionPay behind Apple Pay?
Apple Pay is the biggest winner for users to develop UnionPay
Previously, compared to Alipay, UnionPay's biggest advantage lies in the POS machines of many merchants offline, and Alipay's advantage lies in 800 million "air" (online) users. Therefore, we can also anticipate the ways in which the two will take advantage of the resource advantages and develop the user base. The cooperation between UnionPay and Apple is a concentrated effort of UnionPay. With the numerous users of Apple, the number of online users of UnionPay will be expanded to further form a competition with Alipay. So, will Apple Pay launch various preferential policies like Alipay WeChat wallet? The answer is that the offer will be, but not through Apple Pay. We will see the Apple Store offer through Apple Pay, but this is a discount offered by the Apple Store. UnionPay subsidizes it because Apple Pay is not a third-party payment platform. It is only a specific means of UnionPay payment, and the partner is gone. As the third-party payment platform of Alipay and WeChat wallet, the subsidy for preferential promotion has always been shared by the business + platform.
In this way, Apple Pay is located in China, and UnionPay is the biggest winner, but it may not be able to shake the dominance of Alipay and WeChat wallet, and may not be able to rewrite the big pattern of third-party payment in China.
Finally, how to use Apple Pay correctly, we also collected the most detailed user guide for everyone, you can click to read the original text to watch!
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