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Apple Pay into China one year acclimatized 30 million bank cards tied into zombie data?

via:博客园     time:2017/2/27 12:30:29     readed:842

AppleApple Pay 入华一年水土不服 3000 万张银行卡绑定成僵尸数据?

Into China year, Apple did not disclose the progress of Apple Pay in China, last year on the line more than 30 million days of bank card binding will not become zombie data? Relative to the WeChat, Alipay in the mobile payment scene on the efforts, Apple Pay is not a lack of technology, but to push the desperate tactical literacy.

A report from a Boston retail partner (BostonRetailPartners) shows that in the United States, Apple Pay has just surpassed PayPal to become the new boss of the local mobile payment market. Data show that the current US 36% of businesses have begun to support Apple Pay, while the same period PayPal support rate of 34%. BRP's survey shows that about 22% of businesses plan to support Apple Pay in the next 12 months, and another 11% of businesses expect Apple Pay in the next 1-3 years.

Two years, Apple Pay became the first mobile payment in the United States, but in the Chinese market, in addition to the same day there are more than 30 million bank cards tied Apple Pay, and no more convincing data appears. In most cases, the industry in the discussion of WeChat payment or payment to pay how to attack the city, such as pay treasure word of mouth "double 12", such as WeChat paid August 8 "no cash day & rdquo ;.

WeChat and Alipay's fight comes with "eye effect", even with the cooperation of Starbucks that looks like "single point monotonous" news, but also by the media to pay for the war to pay another war to upgrade. But the fate of Apple Pay is only a business window or a sign of the cashier, with the embarrassment of CUP is exactly the same.

Analysys data show that as of the first half of 2016, Alipay andTenPayWith 55.4% and 32.1% of the market share of mobile payment accounted for nearly 90% of the share, Apple Pay's market share is minimal.

The degree of support for localization is not the biggest mistake Apple Pay, someone as a merchant in the Apple official website to obtain payment business support, click on the query page link, from time to time will jump to the English page, which is an ordinary China Businessmen, learning threshold is amazing.

Apple Pay can only take a few seconds to pay the action advantage, not enough to allow users to reverse their habits. It has no subsidies, no coupons, no use of the scene, and even in the most basic work, the business has to understand the trouble.

In contrast, WeChat and Alipay, the $ 200 billion market value of the Chinese Internet duo, in the payment of the scenes are used in the big strategy of small strategy, such as WeChat to pay cooperation with Starbucks, friends can send a coupon; China Unicom's cooperation, a line of sweep code can be exchanged for 10M of traffic and even late Apple Pay for a long time millet Pay, also support the function of virtual bus card, pay for their mobile pay points.

Not just Apple does not work hard, it's the Chinese teammates UnionPay and the bank has also gave birth to the heart, they released the end of last year, UnionPay two-dimensional code payment standards and began to vigorously promote their own products UnionPay wallet. CUP and commercial banks were the main drivers of Apple Pay in the Chinese market, but the main Apple Pay product "cloud flash" and the promotion effect did not meet expectations.

Data show that in the first half of 2016, the overall size of the mobile payment market amounted to 13,477.6 billion yuan, but CUP only accounted for 0.91%, which makes CUP and banks are no longer pay for the two-dimensional code indecisive. Since July last year, various commercial banks have also begun to promote their own two-dimensional code to pay the product.

There are media analysis, NFC near-field payment for the technical principle of Apple Pay quite dependent on the terminal environment, that is, the need for hardware terminal transformation (non-contact payment POS machine). Data show that in the number of POS machines per capita, China is about 185 units / million, while the support of NFC POS machine is about 75 units / million people. In the financial consumer market is more mature in Japan and South Korea, this data is about 600 / million people. For businesses, there is almost no cost to paste a two-dimensional code, but support Apple Pay need to upgrade the POS device & mdash; maybe no one will use it.

Internal and external, Apple Pay in China became the inevitable result. "Whether it is the application store or pay, is not Apple's main goal in China, sales of hardware huge profits so that Apple has no time to care, as a hardware supporting role and supplements, Apple Pay can be how. "" "Said the industry, who declined to be named.

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