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WeChat pays mobile payment market share of nearly 40%, innovation is high
In recent years, mobile Internet has put forward the "dissatisfaction" on payment method, and mobile payment has the best development opportunity in history. The rapid growth of third-party mobile payments in China has been a bright spot.
Apart from the fact that Internet users are transferred from PC to mobile, different hotspots of different ages have also promoted the growth of third-party mobile payment. Before 2013, mobile payment growth was led by mobile e-commerce. Later, with the advent of wealth management products such as yu 'ebao, Internet finance became a new growth point of mobile payment. By 2016, with the Spring Festival WeChat Lucky Money and QQ red packets as an opportunity, mobile payment has been integrated with the new playing method and function, bringing a new round of growth space. During the Spring Festival in 2017, including WeChat, tencent QQ two platforms, mobile payment peak reached 208000 / SEC, up 32% from last year's 158000 / SEC, set earlier in the year of the monkey is also the world record set by tencent mobile payment. In the future, with the accumulation of change and the further training of offline mobile payment habits, offline consumption will become the new support point for the future growth of mobile payment transactions.
The mobile payment market change bureau behind the broken ice
Q1 2017, according to iresearch third party mobile payment market share data, choi tenpay (including WeChat payment and QQ wallet, this article focuses on the former) in the first quarter of 2017 third-party mobile payment market share accounted for 40% of a record, while only 20% in the second quarter of last year.
As with all products, WeChat payment has encountered a cold startup problem in the early days. And WeChat Lucky Money appear largely to resolve the embarrassment, the ice, and so as the starting point, WeChat pay around the small high-frequency scenario, develop a lot of online (e.g., more credit, credit card payments) and offline (such as taking a taxi, take-away, supermarkets, convenience stores, etc.), to a wide range of online consumer scenario provides fast and seamless experience, and through the cooperation with agent and simplify the merchants access process to improve permeability merchants. Today, mobile payment transactions are growing rapidly, rapidly expanding from large online merchants to offline businesses. Therefore, after the accumulation of funds in the red envelope, WeChat payment has a lot to do.
In financial applications, 2017, tencent launched during the Spring Festival light yellow gold and gold red envelopes, is integrating financial and social financial products, is widely welcomed by the masses and buzz, Internet securities and insurance business such as the Internet is also widely development. The Asian banker summit last month, tencent got "award for the best innovation center China non-financial institutions", at the same time, tencent vice President pay, tencent foundation platform and financial applications, head of the line Lai Zhiming was awarded the "China innovation leadership award"; Tencent also won the "best Internet financial innovation award" from banker magazine last month. A series of important awards reveals the tencent's Internet financial business strong financial innovation, on the premise of embrace regulation and policies and regulations, through financial itself "and the second pulse", implement the financial innovation, has created the vigorous development of tencent financial business sector. In the first quarter of 2017, tencent reported revenue of 7.556 billion yuan, up 224% from a year earlier, driven by a rise in payments related services and revenue from cloud services.
Multi-scene coverage for mobile payment melting ice
The offline payment method, which is paid by WeChat, is the industry's favorite. For the first time in 2016, the Q3 central bank acknowledged the status of a qr code payment, bringing a new burst of the qr code payment market, as well as a further escalation of the offline market. WeChat pay 2015 and 10 Banks, 11 August 8, 80000 stores in launched the world's first day "" no cash, investment subsidies, called for the use of" no cash "payment.
In January this year, anecdotal hearsay ma in WeChat pay the team said on a conference, offline WeChat pay 2016 share beyond pay treasure, pay and reward WeChat team is 100 million yuan RMB. In my opinion, although it is not possible to rely on third-party data to support this claim, it is undeniable that WeChat payment has been developing at an alarming rate in the field of offline micropayments. According to iresearch offline business pay market research report, from WeChat payment and pay treasure to release scenario solutions, both sides have cover the core scenarios such as catering, retail, service life. In terms of the number of scenes, WeChat payment offline scene solution is more abundant than alipay. From the scene properties, WeChat payment scenario solution is mainly distributed in the life service industry. Alipay is mainly distributed in business and sales related industries.
With the deepening of the offline payment scene, the value of payment is fully reflected. More and more domestic and foreign partners pay more attention to WeChat payment, and actively ask for cooperative access, which is the most recommended mobile payment method for merchants. Tencent's mobile payment platform has partnered with more than 200 financial institutions, with about 800,000 merchants worldwide.
In September 2015, tencent based application platform and financial payment line (FiT) was formally established, the original payment, financial and other business integration and independent business line, the line up has been clear about the financial business of science and technology as the tencent strategic position of the business, also provides technical support for offline more scenes, mobile payment scene into the power of technology innovation.
On the online scene, WeChat pays off the coverage of credit card payment, cell phone recharge, life payment, game, financial management, public welfare and city service. In addition, WeChat pays for third-party services in areas such as travel, takeout, hotels and ticketing, essentially completing the full coverage of online payment scenarios. So, through the cold start phase WeChat pay online on the layout of the scene, with a payment platform should have the appearance of, online scenario covering more also opened up ice-melting for mobile payment.
Social elements bring mobile payments to the spring
From red envelopes to break the ice, to pay scenario development, WeChat payment in a short span of four years to complete the leap-forward development, the social and mobile payment carry WeChat and QQ platform brings the enormous user bonuses are inseparable.