Apple pay in China on the line or difficult to stir China Mobile payment pattern-www.97se.com

Apple Pay in China will be on the line or to stir the China Mobile payment pattern of Apple Pay in China will be on the line or to stir the China Mobile payment pattern each reporter Zhu Dandan although the two domestic banks have been changed to Apple Pay on the line in time for the domestic express, but Apple’s official website still shows Apple Pay’s upcoming ", accordingly, the recent Apple Pay in the country on the line should be no suspense. Then, how will the Apple Pay be added to the mobile payment field in China? In the context of BAT gradually increasing the intensity of the scene, how will the mobile payment field develop? In this regard, the "daily economic news" reporters combed and interviewed. The long rumored Apple Pay finally officially landed in china. Yesterday (February 16th), for Apple Pay online specific time, an industry insider said, "anyway, fast, and also to the official announcement as the standard."." At the same time, the "daily economic news" reporter noted that the current apple official website also prompts, "Apple Pay is about to launch", but the specific on-line time has not been disclosed. And the day before, the bank official WeChat public number revealed, "apple Apple Pay will be formally launched at 5:00 in February 18th."." However, the reporter found that the current public number has been deleted Apple Pay online time Q & A. Many industry insiders pointed out that Apple Pay bank together can improve the weak situation of NFC payment. But Apple Pay will face the challenge of equipment upgrade and user habits in China market. Analysys think tank analyst Hao Zhujing also told the "daily economic news" reporter, Apple Pay is temporarily unlikely to stir the mobile payment pattern. In addition, it is expected that NFC payment will not exceed the two-dimensional code payment within one or two years. NFC can improve the payment of the vulnerable situation in December 18th last year, Apple and Chinese UnionPay officially announced cooperation, will launch the Apple Pay in China, cooperation China 15 banks; apple CEO Cook released micro-blog revealed that Apple pays the fastest at the beginning of this year on Chinese. And on the second day of the Spring Festival holiday, the official WeChat public number of the bank revealed the news that the apple Apple Pay will be launched on February 18th. Among them, as one of the first Apple Pay cooperative banks, Guangdong Development Bank in its "GF credit card" official WeChat public number shows, "by Apple Corp, China UnionPay confirmed that, Apple Pay business will be formally launched at 5:00 on February 18th……." China Construction Bank official WeChat also said, "February 18, 2016 Apple Pay formally launched."." The "daily economic news" reporter noted yesterday, the two bank WeChat customer service for the Apple Pay line of time expression has been changed (GF credit card has been deleted on

Apple Pay在华即将上线 或难搅动中国移动支付格局   Apple Pay在华即将上线 或难搅动中国移动支付格局   ◎每经记者 朱丹丹   尽管两家国内银行对Apple Pay在国内上线时间的表述已经“改口”,但苹果官网仍提示“Apple Pay即将推出”,据此,近期Apple Pay在国内上线应无悬念。那么,Apple Pay的加入,将会给国内的移动支付领域带来怎样的影响?在BAT逐渐加大场景争夺力度的背景下,移动支付领域将如何发展?对此,《每日经济新闻》记者进行了梳理和采访。   传闻已久的Apple Pay终于要正式登陆中国了。   昨日(2月16日),对于Apple Pay 上线的具体时间,一位业内人士坦言,“反正快了,具体还以官方公布为准。”与此同时,《每日经济新闻》记者注意到,目前在苹果官网上也提示,“Apple Pay即将推出”,但具体的上线时间并未透露。   而在前一天,已有银行官方微信公众号透露,“苹果Apple Pay将于2月18日凌晨5:00正式上线。”不过,记者发现,目前上述公众号已删除Apple Pay上线时间的问答。   多位业内人士分析指出,Apple Pay联手银行可以改善NFC支付的弱势局面。但Apple Pay进军中国市场势必将面临设备升级、用户习惯等方面的挑战。   易观智库分析师郝竹婧也告诉《每日经济新闻》记者,Apple Pay的进入暂时不太可能搅动移动支付格局。此外,预计NFC支付一两年内还不会超过二维码支付。   可改善NFC支付弱势局面   去年12月18日,Apple和中国银联正式对外宣布合作,将在中国推出Apple Pay,合作的中国银行有15家;苹果CEO库克发布微博透露,苹果支付最快今年初可以登陆中国。   而就在春节假期结束的第二天,有银行的官方微信公众号就透露了“苹果Apple Pay将于2月18日上线”的消息。其中,作为Apple Pay首发合作银行之一的广发银行在其“广发信用卡”的官方微信公众号显示,“经苹果公司、中国银联共同确认,Apple Pay业务将于2月18日凌晨5:00正式上线……。”中国建设银行的官方微信也透露,“2016年2月18日Apple Pay正式上线。”   《每日经济新闻》记者昨日注意到,上述两银行微信客服对于Apple Pay上线时间的表述已经改口(广发信用卡已删除上线时间的问答,建行微信客服称“没有查询到相关信息”)。同时,前述业内人士告诉记者,“(Apple Pay上线)反正快了”。   “苹果在国内的移动端用户可观,用户属性良好,消费能力中上,而且此次选择与其合作,没有银行的限制。出于这两方面的考虑,商家也愿意与苹果合作。此外,Apple Pay联手银行可以改善NFC支付的弱势局面,对银行和Apple Pay来说都是一个机会。”中国电子商务研究中心互联网金融部助理分析师陈莉分析指出。   实际上,作为苹果的移动支付服务,Apple Pay于2014年10月率先在美国上线,接着2015年7月登陆英国,并于11月在澳大利亚和加拿大推出。而中国可能会是继美国、英国、加拿大和澳大利亚之后,成为全球第五、亚洲首个开通Apple Pay服务的国家。   不过,Apple Pay进军中国市场势必面临一些挑战。郝竹婧指出,首先,Apple Pay进入中国市场将面临设备升级的问题,Apple Pay是NFC的支付方式,需要拥有NFC接收功能的POS机,这就需要推动银联对现有的POS进行改造,需要一定的时间。其次,目前支付宝和微信通过巨额补贴已经形成了用户沉淀和用户习惯,苹果支付可能还需要一段时间的用户培养。   相关数据显示,全国目前NFC手机终端整体占比只有25%,银联在全国1000多万台POS终端中,“闪付”终端仅有300万台。   线下或成苹果支付突破口   易观智库数据显示,2015年第3季度,中国第三方移动支付市场交易规模达43914亿元人民币,环比增长率为26.39%。其中,支付宝以71.51%的市场占有率继续占据移动支付市场首位;财付通位列第二,市场份额为15.99%。   那么,Apple Pay的进入能否搅动目前的移动支付格局?   “暂时不太可能搅动移动支付格局。一方面,中国移动支付市场增长特别快,目前排名第一的支付宝量非常大;另一方面,支持Apple Pay支付功能的手机型号有限。”郝竹婧表示。   陈莉也向《每日经济新闻》记者分析指出,国内移动支付格局已经形成,在支付商业链上,腾讯、支付宝都做的相当成熟,用户习惯已经形成。但从移动支付的不同交易方式来看,阿里、腾讯占据的市场主要以线上为主,线下就会成为Apple Pay的一个突破口。   在所有移动支付场景中,二维码和NFC支付无疑是两大发展趋势。   《每日经济新闻》记者梳理发现,NFC支付在国内已发展近十年,但由于受各种因素的制约,一直不温不火。但我国也一直在推广NFC技术。与此同时,支付宝与微信支付二者通过补贴的形式大规模铺设线下支付受理终端,“扫码支付”在一定程度上抢占了先机,但其安全问题也成为了绕不开的话题。   谈及前述两种支付方式的前景,郝竹婧则表示,NFC支付一两年内还不会超过二维码支付,因其支付习惯已养成,这种方式较为便捷,且与场景的结合比较紧密;相比二维码支付的优点,NFC支付的距离非常短,需要直接刷机支付,而二维码支付则需要点开App等操作。 进入【新浪财经股吧】讨论相关的主题文章: