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“无现金日”商机多

2017-08-10 08:14:54   

随着移动互联网的发展,越来越多的消费者习惯于不用现金交易,“无现金日”的推出只是进一步体现和推动了这个趋势

以“无现金日”所代表的移动支付节点如此火热,说明移动支付市场足够大,还远未达到“天花板”

当前,移动支付已融入大众吃喝玩乐购等各个方面,并且正在加速渗透到缴费就医、工商登记等领域。瞄准这个新风口,8月份微信支付和支付宝两大“巨头”打响了“无现金日争夺战”,苹果支付、百度钱包等也纷纷加入。“无现金日”有什么特殊之处?移动支付火热背后蕴含着怎样的商机?

普惠金融知识平台分析师崔凯表示,随着移动互联网的发展,越来越多的消费者习惯于不用现金交易,“无现金日”的推出只是进一步体现和推动了这个趋势。从商家的角度而言,是为了鼓励消费者通过网络方式直接交易结算。

据了解,微信支付“8·8无现金日”将贯穿整个8月份,8月1日至7日,用户微信支付消费可获得鼓励金等优惠;8月8日可核销鼓励金可一次性抵扣;8月9日至31日,用户仍可支付立得鼓励金,并且随时抵扣。同时,支付宝在其官方微博表示,8月1日至8日用支付宝消费,将每天发放大额奖励金,第2笔到第4笔消费有抽黄金份额的机会。

由此可见,微信充分利用了自己的社交优势,运用多重场景扩大声势;支付宝则更多从消费后立即抽奖出发,用“红包+大奖”的模式来扩大影响。

易观智库金融行业分析师王蓬博表示,以“无现金日”所代表的移动支付节点如此火热,说明移动支付市场足够大,远未到达“天花板”。而且,支付是一切商业活动的基础,对于腾讯和阿里这样的巨头企业构建商业生态具有重要意义。同时,互联网企业为进一步扩大自身金融用户群体,通过出台优惠活动等手段,让更多消费者通过互联网企业自己的支付平台来完成日常生活中的交易,进一步增加企业的市场占有率。

王蓬博认为,对于正在市场搏击的互联网企业来说,随着用户群体的扩大,将有更多的商业机会可以发掘,新的支付业态和场景将长足发展。“比如,随着移动支付的普及,商家对于收款的终端需求越来越大。为满足商户需求推出的智能POS机,无论刷卡、插卡,还是扫码支付,都能实现一‘机’搞定。无论商家,还是消费者都得到了便利和实惠。”王蓬博说。

虽然在“无现金日”期间的无现金交易方式将大大增加消费便捷性,增强购物体验度,但崔凯还是给消费者提了个醒。“需要注意的是,消费者一定要通过正规渠道例如大型超市等消费,不要扫描来源不明的支付二维码,也不要轻信‘乔装打扮’收益高得离谱的产品,如果遇到索取个人信息或者卡号密码等情形就要格外小心,网信办和公安、金融监管等相关部门应加强监管,防止有不法分子利用这个时机‘浑水摸鱼’搞诈骗。”崔凯说。

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