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银联组团挥师布局二维码 移动支付迎“三国杀”?
2017-06-09 09:59:05 经济参考报
银联组团挥师布局二维码 移动支付将迎“三国杀”?
移动支付市场看似的“两强”格局再度迎来新一轮波澜,传统金融机构对于这块蛋糕的瓜分欲望也是愈发强烈。近日,随着中国银联标准二维码的发布,国内移动支付之争再次进入深度布局的新阶段。而面对支付宝和微信“两强”已经培养出的用户支付习惯和行业壁垒,摆在传统金融机构面前的任务依然艰巨。
联手40家银行高调布局
二维码支付卷土重来
5月27日,银联联合超过了40家商业银行及京东支付等第三方支付机构推出云闪付二维码支付。同时,从6月2日至6月8日,在全国40个知名商圈约十万家商户,消费者使用银联云闪付挥卡、手机以及扫码支付,均可享受62折优惠回馈。这可谓是自2015年12月银联云闪付移动支付品牌推出以来,银行卡产业的一次大“联盟”。此次除40家银行系金融机构接入标准二维码外,京东金融作为银联战略合作伙伴首批加入了银联二维码支付体系,与银行业一起全面支持银联二维码联网通用。
京东金融副总裁许凌认为,随着加入银联二维码标准的机构越来越多,竞争可能更激烈。有别于支付宝和微信支付采用的仍是直连银行的“三方模式”,银联参与下的二维码支付涉及卡组织、发卡机构、商户和收单机构,为“四方模式”。银联方面此前也介绍指出,基于卡组织的四方模式,与实体银行卡支付的差异仅仅在于支付信息交互方式的变化,其后台账户仍基于实体银行卡账户。“四方模式”中不存在资金沉淀虚拟账户可能带来的金融风险。作为银行一方也可获取透明、完整的支付信息,有利于风险识别管控和客户关系管理。
信用卡服务平台我爱卡首席研究员董峥在接受《经济参考报》记者采访时表示,银联推出二维码支付,意在构建一个全支付场景,补齐自身短板。他说,在推出二维码支付之前,银联的支付产品包括卡片云闪付、苹果支付和一些可穿戴设备的支付等,但这些支付产品距离最终的消费者感觉总是差了一步。“究其原因,一方面,卡片的云闪付需要必须携带一张银行卡,但是现在越来越多的人已经不再携带钱包和银行卡,而只带一个手机出门;另一方面,基于手机设备的云闪付对于手机硬件本身又提出了要求,手机只有具备NFC功能才能支持云闪付,而现在除了苹果手机外,很多手机并不具备NFC功能。”董峥说。
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