WeChat Alipay peaks against the Internet POS reversal trend

Under the trend of the entire mobile Internet, the user's consumption behavior has already turned, and the key reason why mobile payment can be born and obtained is that it can solve the payment dilemma of the user anytime, anywhere. On the online point of view, mobile payment has become a key industrial node with infrastructure in the mobile Internet. Stakeholders have generated a high degree of enthusiasm and promoted the maturity and development of mobile payment.

The WeChat payment application for third-party mobile applications is based on the “WeChat Open Platform”. Currently, the three mobile payment scenarios provided by WeChat Pay are: scan code payment, public number payment and APP payment. WeChat pays the first to open the public payment and scan code payment for the certification service number, and at the same time open 21 categories of merchants, and open the prelude to the official opening of the WeChat payment interface. This means that in the future, not only public accounts within the scope of the open category can access WeChat payment, but also third-party mobile applications can access WeChat payment. The opening of the WeChat payment interface will drive more parties to build an increasingly large industrial ecosystem. At the same time, it injects a competitive factor into a market that is almost oligopolistic, which will ultimately benefit a large number of businesses and consumers.

In fact, Alipay’s opponent should have been “TenPay”. At that time, Fu Bao was riding the dust, far ahead of Tenpay. Alipay came to the first place because of Taobao, but like Ma Yun’s analogy, Alipay’s “value presentation” has consistently outperformed other third-party payment companies, both in terms of number of users and market share. Can't see the opponent's decisive power. However, after WeChat paid to open the scan code to seize the offline market, the response from Alipay seemed to be a little slower. In fact, every step of O2O payment was started with the QR code as the starting point. Alipay did not miss it. For example, Alipay has reached cooperation with the eleven major vending machine operators including “Youbao”. Users can use Alipay wallet to purchase goods in the vending machine at any time; and reach mobile phone payment cooperation with 300 offline catering merchants. Today, entering the era of mobile payment, WeChat pays fiercely, and Alipay dares to take it lightly.

Nowadays, Internet companies are pressing harder and harder. After the fight, the two sides will occupy their own position in the market and will form differentiated competition in the Internet finance field. The traditional business areas of banks are constantly being eroded. With the continuous expansion of Internet companies, the bank's position is likely to encounter a fierce attack. The Internet is bringing new ecological environment to the business, mobile payment will be dissolved in the trading scene, and online payment will also be integrated with financial services. In the ever-changing business environment, the era of electronic money provides opportunities for traditional POS. Today, with the rise of the industrial Internet and the rapid development of e-commerce, the debut of Internet POS is beginning, and the upgrade of Internet POS will become an irreversible trend. .

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