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新规“捅刀”余额宝微信快速抢跑 瞄准的不只是货基

2017-09-06 09:07:12   中国经济网

如果仅仅从理财收益率角度看,余额宝,今天的7日年化收益率为3.9952%,普遍低于零钱理财里面罗列的4款产品4%以上的收益率。

但是,理财并不算这次零钱通的创新之处。这些功能和产品都早已存在。

这次零钱通的创新在于,在实现理财的基础上,零钱中那些已经被拿去购买理财产品的资金,可以随时取出用于消费、发红包、转账等功能。

这样来看,零钱通与余额宝的功能已经高度相似,功能全面对标。最明显的一点就是,当你成功开通零钱通后,以后给好友转账发红包啥的,在支付方式界面中可以直接选择使用零钱通支付了,这可是支付宝比不了的。

不过,使用“余额+”里面的零钱,你得提前输入一定额度,才能将钱“取”出来,并在5分钟内到账,目前还不能像余额宝那样,实现随存随取。似乎从这一点看来,仍然有进步空间。

腾讯瞄准的不只是货币基金

余额宝和理财通,以及刚刚测试的零钱通,在理财上都属于货币基金范畴。但是腾讯旗下丰富的产品线,也给零钱通提供了另外一种可能。

9月1日,腾讯通过旗下的微众银行推出互联网银行卡——“微众卡”,完全可以在后期弥补这一缺憾。

“微众卡”没有实体卡,开户无需去柜台取号排队,填一大堆资料。只需在手机软件上直接刷脸,2分钟完成。完全不用担心银行卡丢失、补办。而它与传统银行卡一样具有转账、存款、消费、理财四大核心功能。而且“微众卡”与微信全面打通,让9亿微信用户找到了新的存款、理财、支付方式。

腾讯通过“微众卡”,在微信里实现了阿里“余额宝”最重要的功能:消费、理财同步进行,边赚边花。一旦“微众卡”与微信的“理财通”和零钱通无缝融合,用户体验上将比余额宝更加创造活力。

新规则“捅刀”余额宝,微信快速抢跑

许多人选择将钱存在余额宝,主要是因为“方便”二字,可以用来购物消费,还能随存随取,便捷程度满分。但是微信的支付场景同样不弱。

而且,目前,微信的活跃用户已经超过9亿人,支付宝活跃用户达5亿人左右。如此大的活跃用户差异下,余额宝规模却远远大于理财通,显然,微信支付落后的并不甘心。

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