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网联股权博弈背后:参与筹建的支付巨头各怀心思

2017-08-20 13:02:03   中国经济网

事实上,由于支付宝用户量庞大,艾瑞咨询发布数据显示今年一季度支付宝月活用户数据已经达到3.53亿,为用户体验和系统流程考虑无可厚非。

亦有网联内部人士透露,支付宝派遣团队在援建期间因某些工作没有谈拢,中途曾撤出数日。这一说法在另一筹备人士处得到了确认:“撤出时间虽然不长,但是动静挺大。”

上述接近网联人士表示,“财付通也会为自身争取权益,但是没有闹出过大的波澜。”

“时间上来讲,财付通援建人员到位得比支付宝晚一些,第一批派驻的工作人员大约是四五个,最多的时候将近20个,一部分也是此前筹划‘两地三中心’的工作人员,多为财付通内部的高级技术人员。”上述接近网联人士表示,“支付宝和财付通都为了网联专门招聘了一些技术人员。支付宝招聘的多为外包人员,专为项目而来,项目结束工期就结束了;财付通招聘的专员则多是正式员工,手上的活结束以后,就直接去腾讯上班了。”

当然,两大巨头的担忧也可以理解。

网联成立的目的是切断支付公司与银行的直连,虽然理论上支付公司的线上转接业务可以选择接银联或者网联。

尽管阿里、腾讯两大巨头曾成功影响监管层考虑“两地三中心”方案:即两个处理中心,深圳中心(财付通总部所在地)、杭州中心(支付宝总部所在地),央行一个控制中心。但在该方案引发其他支付公司的强烈反弹之后,央行综合考虑各方因素,终于在2016年上半年确定,秉承“共建、共享、共有”三原则,确认实施另一版本:“三地六中心”,即深圳、上海、北京,每个地方有两个中心。

第二梯队的江湖

近年来,支付宝、财付通之外,京东、平安、万达、百度都在努力打造旗下支付平台,争取构建支付江湖的“第三极”,但鹿死谁手依然尚未可知。目前来看,短期之内战果难分,网联的出现既是一个变数,也可能是一个机遇。积极靠拢监管看上去是一个明智的选择。

“最早参与援建的是网银在线、平安付和百付宝的人,现在网联技术负责人强群力在百度担任过百度平台化委员会秘书长、百度开发者中心总负责人,并曾担任过首席架构师。网联筹建网联的系统功能主要复制的是财付通、网银在线、平安付、快钱、百付宝这五家。”上述接近网联人士透露,“从整体筹建过程来看,态度上最积极的是京东和平安付,这也是这两家支付机构占股比例也都比较靠前的原因。”

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