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多机构争食万亿移动支付蛋糕 银联欲重返市场顶端

2017-07-17 18:45:46   经济参考报

除此之外,支付宝与财付通的竞争也从境内市场延伸到了海外市场。蚂蚁金服推出了“蚂蚁全球化”的概念,包括跨境线下业务、全球收全球付以及普惠金融全球实践三大板块。与此同时,在欧美、日韩、东南亚等26个国家和地区,蚂蚁金服旗下的支付宝已经接入了12万多家海外线下商户门店;而2017年春节黄金周,支付宝跨境线下交易笔数同比劲增5倍。

财付通方面,7月3日,微信团队在日本东京举办首场微信支付境外开放大会,微信表示,目前支付旗舰店已扩至100家,并在会上宣布,上线微信支付境外开放平台,发布“WEPlan”跨境支付产品方案。微信支付团队发布的数据还显示,日本6月单日交易额峰值是1月峰值的40倍,微信支付笔数则是1月的16倍。

银联发力

能否“逆袭”待考验

“双巨头”格局一时难以被撼动,但国内移动支付市场也在发生一些明显的变化,银联、银行等传统金融机构对于这块蛋糕的瓜分欲望愈发强烈。

中国银联一方面加快探索自身的转型发展,另一方面通过与外部伙伴合作的方式不断推出各类支付产品,这些行动均显示出其“重返”国内支付市场头把交椅的决心。与支付宝和财付通主推的“扫码支付”不同的是,中国银联此前大力主推NFC近场支付方式,这其中包括卡片云闪付以及与苹果、三星等公司合作在国内推出Apple Pay、Samsung Pay等。

实际上,与扫码支付相比,NFC近场支付不需联网或打开某个APP或唤醒屏幕即可实现支付,且由于采用了支付标记化(Token)技术,安全性也很高,但是从实践来看,尽管银联也通过各种营销手段来进行推广,但效果差强人意。

以Apple Pay为例,2015年底,中国银联和苹果公司宣布合作,将在中国推出Apple Pay。目前一年半已过,虽然银联和苹果公司从未公布过Apple Pay的具体交易数据,但不少业内人士反映,这一新兴支付方式在中国市场“雷声大、雨点小”。

《经济参考报》记者随机采访了多位苹果手机使用者,部分受访者表示使用很方便,在Apple Pay指定可用的店铺,只要一个指纹就能解决支付问题。但更多的人表示,尽管安装了,也很少使用,其更习惯使用微信或支付宝。还有部分受访者虽然使用苹果手机,但并未安装Apple Pay,他们同样认为现在的支付方式已经足够方便。

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,“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近场支付功能才能支持云闪付,尽管在安全程度上更强、支付场景也很全面,但大部分公众并不会因为一个功能而更换手机。”

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