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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

董峥表示,因为二维码支付对手机本身并无太多要求,只要手机可联网即可,因此,依靠这一支付方式就可网罗大量银联此前未能深入触及的消费群体。业内人士也表示,以前大家对二维码支付安全问题有担忧,但现在看来,在小额高频支付的场景下,可能这一问题也显得没那么重要了。“在小额的支付场景下,大部分的交易金额在几十元到几百元,这时候消费者对支付便利性和快捷度的要求往往要高于对支付安全性的要求。”董峥说。

 错失发展先机

  抱团能否“逆袭”

业内人士透露,最早的二维码支付技术诞生于银联自己的实验室,但支付宝和微信等支付机构率先使用了这一技术,并抢占了市场。这样的故事似曾相识:柯达于1976年研发出全球第一台数码相机,但由于没有立刻转型,最终错失了“数码时代”的发展先机。在业内人士看来,银联推二维码支付势在必行,也可视为在市场逼迫下不得不走的一步棋。而面对已经被微信和支付宝占领的移动支付市场,此次银联联合银行的抱团出击能否成功“逆袭”?“目前机遇和挑战同时存在。”一位业内人士称。

记者从一位商业银行人士处获悉,在此次银联“62节”中,大量羊毛党利用多张卡“刷单”抢占了有限的优惠名额,但银联对这样的行为之前并未做好防控,导致一些普通客户很难参与其中,甚至投诉至银行。另外,记者在走访中也了解到,一些参与活动的门店收银人员并未主动提示消费者使用优惠。

董峥认为,目前,银联迫切需要解决的是用户黏性和支付场景化的问题。“很多客户本身对各种新兴的支付方式还是很感兴趣的,而银联需要做的是通过一些营销手段,将客户的兴趣转换为实际的支付行动,并把客户粘黏在这种支付方式上。比如,支付优惠、减免的方式就能够增加客户的黏性。”他说。

董峥同时指出,在现实中,很多用户遇到过在使用云闪付过程中收银员不会操作的问题,这就需要银联本身加强对收银员的培训,并可尝试使用一些奖励方式激励收银员进行学习。

移动支付新一轮角逐

  已向更深层次渗入

据艾瑞数据显示,今年我国移动支付市场交易规模将超12万亿元,到2018年有望超过18万亿元。井喷式增长的市场容量,吸引了众多银行系及非银行系机构的介入。

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