On January 4th, China UnionPay signed a strategic cooperation agreement with Jingdong Finance, announcing that the payment company of Jingdong Finance officially became a member of China UnionPay.
As the industry has said, UnionPay has been competing with third-party payment. In the past few years, Alipay has stopped the offline payment service of POS machines. Jingdong Finance announced that it has reached a cooperation with UnionPay. What is Liu Qiangdong doing?
The financial industry observation first takes everyone to see a set of industry data:
At present, China's mobile payment penetration rate is as high as 64.7%. In the field of mobile payment, Alipay and WeChat payment account for nearly 90% of the market share of third-party mobile payment, including dozens of third-party payment institutions including Baidu Wallet and Jingdong Wallet. The remaining 10% share.
In July 2014, Jingdong Finance developed a third-party payment product by Jingdong Finance. Jingdong Payment has only 2% market share in the mobile payment market. At present, the payment system of WeChat payment and Alipay is increasingly perfect, and the construction of the payment bastion is basically formed. . According to the market share of JD.com, it is difficult for JD.com to compete with the two. At this time, it is more reliable to cooperate with UnionPay to fight the world.
Third party payment into a money laundering black hole
Third-party payment platforms have been a frequent gathering place for money laundering. why would you say so? Each third-party payment platform has its own separate payment account, such as Alipay account, which is almost completely separated from the personal bank account. When the Alipay account transfers, the bank cannot track the source of each transaction, which leads to a part of the black money. Free flow on the payment platform.
In response, the central bank has repeatedly issued normative measures, requiring third-party payment platforms to pay attention to risk control, but these problems have not been improved under the goal of blindly pursuing convenient transactions. This is not a long-term solution. The central bank will not let it go. In the latter stage, the central bank will definitely increase its political third-party payment platform. By then, payment platforms such as Alipay and WeChat will become the key control targets. This is also the reason why Jingdong chose to make friends with UnionPay.
In the future, the road to third-party payment platforms will be bumpy. UnionPay, as the Bank of China approved by the central bank, will form a joint organization of the Bank of China. As a member of its acquiring company, JD Finance means that there will be no standard measures for JD Finance in the future. Interference, because Jingdong Finance has become a member of the UnionPay matrix, Jingdong Finance only has to follow the big forces to go without problems.
The payment market is fiercely competitive. What should UnionPay do?
Prior to the rise of third-party payments, UnionPay has been the sole transaction clearing provider for RMB payment cards issued in China. However, after the rise of third-party payment, Alipay, Tenpay, etc. have been involved in the online payment and fast payment interface of mainstream banks, and can directly cooperate with the bank around UnionPay.
What effect does this have on UnionPay?
Whether it is a bank card or a third-party payment platform QR code, as long as it involves offline payment, merchants need to pay a certain fee. This fee is divided according to 721. Among them, the issuing bank accounted for 7, the acquiring bank accounted for 2, and the UnionPay accounted for 1. Alipay and WeChat payment bypassed UnionPay and directly connected to the bank, replacing the payment clearing service provided by UnionPay, which led to the exclusion of UnionPay from the fee-sharing organization.
At present, more and more people use third-party platforms for payment, and the scale still has signs of expansion. UnionPay needs to be backed by a strong user base to expand users. Jingdong Finance launched Jingdong Payment in 2014, and now it has occupied 2% of the third-party payment market. Although the gap between Alipay and WeChat payment is very wide, the Jingdong E-commerce platform still accumulates a large number of users, and UnionPay can use this. Get a batch of offline payment users.
Judging from the development strategy announced by JD.com, the marriage with JD.com is also a good choice for UnionPay. Recently, Liu Qiangdong said that in the next few years, JD Group will focus on e-commerce, finance and technology to develop and express the future. Jingdong will comprehensively move toward technicalization, vigorously develop artificial intelligence and robotic automation technology, and focus on developing technology is undoubtedly a positive for Jingdong Finance.
summary:
Under the impact of Internet finance, the range of users of traditional finance has gradually narrowed. This also makes the traditional financial industry realize that they need innovation, UnionPay launched cloud flash payment, and QR code payment illustrates this.
At the same time, the security of Internet finance is increasingly being questioned by users. When Internet finance accesses traditional finance, the risk control of Internet finance is integrated with the innovation of traditional finance. This is a process of complementary advantages and the direction of future financial development.
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