Original title: Payment industry interconnection process accelerated
This reporter Chen Cheey Jing
In recent times, the payment industry interconnects into acceleration period. Recently, Alipay and the China UnionPay implementation of the collection code scan code. In addition, Alipay has implemented a line scan code with 28 banking agencies.
This process is expected in the market. Alipay and the China UnionPay began to communicate and explore the barcode interconnection business in 2020, and rectified the collection code scan code mutually across various cities in Beijing, Tianjin, Guangzhou, Shenzhen, Chengdu, Chongqing, Xi'an. At present, Alipay and the China UnionPay have implemented the collection code scan code in national scope.
Recently, many consumers have found that the QR code of the use of the bank's App Sweeping Alipay can also pay. The relevant person in charge of Alipay introduced that Alipay has been promoted with the China UnionPay completed the open cooperation of the ICBC, CCB, China Bank, Bank, Bank of Communications, China Bank, CITIC, Guangfa Bank, Mi Pay, and consumers can pass all banks and clouds. APP scan Alipay collection code for other agencies to achieve payment.
Not just Alipay, recently, WeChat payment also announced that the line bar code has been scanned with UnionPay Cloud Flash, and the Yinlian Cloud Flash will support QC, QQ music and Tencent video recharge service, WeChat applet is gradually Support cloud flash payment.
Under the line of online, the speed of "icebreaking" between the payment mechanism is accelerating. Previously, the QR code payment service market was more confusing, and the online rejection of competitors' payment services, and there was also a split state between the APPs of different platforms.
In this regard, the People's Bank of China has said that the market monopoly will reduce innovation efficiency, and the domestic platform company seizes the market through cross subsidies, and implements the market dominance, such as rejection competitors enter the platform, provide services The QR code payment business only supports the internal related app scanning information of the Technology Group.
"The platforms are divided between the platforms, which will cause information, funds, personnel, and data, etc., the segmentation of a series of elements such as information." Bo Tong analyzes the senior analyst of the financial industry, said that the interconnection of this line has expanded to the offline scene, It is said that the interconnection is a leaping attempt.
However, in the industry experts, paying interconnection is still endless. Director of the Charity of the Company said that the interconnection is not just the two institutions to open their respective scenes to the other side through communication negotiations. Real interconnection, all payment institutions, payment tools, especially large platform open payment interfaces, truly facing all payment institutions, payment tools, strictly forbidden to exclusive, discriminatory payment agreements. Therefore, there is still a long way to walk interconnection in the payment field.
The financial regulatory body has previously been adjusted for the direction of the interconnection of the payment industry. Fan Yifei, the vice president of the central bank, emphasized that it is necessary to focus on fair competition, promote the open payment interface of platform enterprises, and cannot consider only one institution, to be opened to all payment agencies, strictly prohibit exclusive and discriminatory payment agreements.
At the moment, the acceleration of the payment of interconnection will make the payment industry face new opportunities and challenges. Wang Peng believes that in the era of industrial Internet, Wang Peng has been in the development of most of the payment agencies. With its simple payment service, it is difficult to meet its business further development requirements. How to use channels, scenes, and bar code interconnection, "Dongfeng" further expands its own scene, Ecology and product services, enhance their own service merchants and consumers, will gradually become the key to the further breakthrough of payment institutions.