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Speaking of mobile payment, we have to say Chinese model, now with Alipay and WeChat's mobile payment not only in the domestic all-powerful, and began to go out of the country and the U.S.? The survey results presented show that, only about 14% people often use mobile payment software, while 35% of people said they had never used mobile payment. Theoretically, American young people should be the natural supporters of such advanced technology. But the reality is that, despite the huge investment of banks and financial technology companies, the popularity of mobile payments in the United States has been slow in the past few years. But now the big two payment giants, MasterCard and Visa, will also follow the trend of payments.
In addition, MasterCard has ironically Apple payment: "apple is a great brand, in the world there are many people discussing Apple's Apple Pay, but this discussion has already retreated, (Apple Pay) said that the electronic will be physical (bank card) who don't understand human behavior." Although MasterCard is also a partner of apple Apple Pay, but it seems that its global director Banga believes that Apple Pay is not worth mentioning.
Another card Visa have released a Visa ID Intelligence API, banks and businesses can access, to verify the identity of users using fingerprint, voice and facial recognition and other biological characteristics at the time of the transaction. Visa official said that through this API, each company will be more convenient in dealing with financial information.
Although the two major payment platforms are being followed up, the mobile payment is still lagging behind in the United states. According to reports, the latest data show the ant payment service, Alipay has steady support from the peak trading 85 thousand and 900 pen / sec, is 2.23 times last year's double eleven peak 38 thousand and 500 pen / sec. This value also allows Alipay to exceed Visa, become the strongest global payment platform processing.
Analysis of articles published in foreign media, Alipay is now rapidly to Asia, European expansion, and entered the apple home market in the us. Apple Apple Pay, Alipay PayPal and other services seem unable to resist, and did not take the corresponding measures to check, open the door to let Alipay to enter the u.s.. Although Alipay in overseas market now only for Chinese outbound tourists, but once it is Americans generally accepted, it will challenge the Apple Pay and PayPal status. At present, Alipay has become a commonly used method of payment in South Korea, Thailand, Hongkong, Japan and germany.
Now, however, MasterCard and Visa rhythm seems a bit slow, three years ago, apple in the conference on the breakdown of a variety of consumer credit card inconvenience, Cook a "That" s it! "Brought in Apple Pay, and has been very popular in the domestic Alipay and WeChat to pay, also slowly spread all over the world. Perhaps in the future, the giants will usher in a confrontation, just as an important part of the payment chain, MasterCard and Visa still need to work harder. Although the Silicon Valley is the world's most influential consumer technology company headquarters, but in many of the world's fastest growing consumer market to build mobile payment services, the Internet giant in the position Chinese way ahead