On the afternoon of February 5, Ma Weihua, the president of China Merchants Bank, suddenly appeared on the fourth floor of the headquarters of China Mobile Group. Of course, his host, China Mobile CEO Li Yue, was full of smiles on his face.
This was the last handshake between the two major state-owned enterprises before the Spring Festival, and it was also the first cooperation in 2013.
The so-called "strategic cooperation" of the two major state-owned enterprises has just been held:
After the meeting, the reporters have not walked away. What exactly has China Mobile cooperated with China Merchants Bank? What did the two big bosses say? What impact will it have on the future market of China Mobile Payments?
According to the speeches of the bosses of the two parties and relevant materials, the cooperation is mainly in the following aspects:
1. The 13.56MHz standard payment standard is adopted. From this, it appears that China Mobile entered the UnionPay camp;
2. Ma Weihua said on the spot that he admired China Mobile very much. When he came, he paid attention to the operator's payment camp and said that everything was a show;
3. According to the news bulletin, China Mobile and China Merchants Bank cooperate in three aspects: mobile payment, market channels, and group customers; among them, mobile payment (mobile payment business opening, recharge, refund, fund settlement, system docking and development, channels Cooperation, redemption of points, marketing resources)
4. Cooperation mode: Based on the NFC-SWP mode (that is, the security module is stored in the SIM card), users can download China Merchants Bank's debit card, credit card, electronic cash and other financial services (including air recharge) through the NFC mobile wallet client , Credit recharge, on-site POS consumption)
5. The NFC mobile client completed the test before the end of February 2013, and is ready to go online.
Operators' mobile payment "pays nothing"
Nowadays, shopping news of mobile phone brushing public transport, mobile phone brushing subway, mobile phone brushing POS machine is flying all over the sky, but how can no one realize the real "landing"?
And Internet companies such as Taobao and Alipay are paying every day. Look at the online transaction data of two Internet companies:
Taobao Tmall's one-year transaction value actually exceeded one trillion yuan; Tenpay's total transaction value reached 450 billion yuan in 2011;
Looking back, in 2011, the three major telecom operators competed to set up payment companies, so how about free transcripts on mobile payments?
China Mobile's mobile payment business has more than 60 million registered users, with an accumulated annual transaction volume of 25 billion yuan. (Data from October 2012)
China Telecom ’s public data shows that by the end of 2012, there were 7 million school and enterprise users, 1.5 million bus users, more than 400,000 bank card service users, and more than 1 million fuel card users. The total number of various users has reached 10 million, and the transaction amount is unknown. .
Like China Telecom, Unicom did not announce its transaction value. According to insiders, it is smaller than mobile data, which means that the sum of the three major operators' mobile payment may be less than 10% of Taobao.
It can be said that the one-year payment business of operators is still bumpy. Throughout 2012, there were only a few mobile payment businesses related to payment licenses that struggled and had no bright spots.
The Sohu IT survey found that the six major gaps in the payment systems of the three major operators can be said to be that the financial system is eating meat and the operators are "drinking soup."
1. The latest mobile payment license is issued (at the end of 2011, the time is short and immature);
2. The payment standard is controlled by the financial system.
3. There are many payment companies with more than hundreds of licenses. At the beginning of January this year, the central bank issued 26 third-party payment licenses, the total number has reached 223, which is not an Internet company rival; There are fewer enterprises, especially the two most important businesses (Internet payment business and prepaid card issuance and acceptance business) are not open to operators.
4. Insufficient profit means and few mobile payment landing cases;
5. Mobile phone numbers become a payment number and face many problems: users are reluctant to let others know their accounts.
6. There are still problems in the docking of payment industry chain terminals. For example, most POS machines in shopping malls support UnionPay cards, but they may not support mobile phones.
Can banks do it but operators can't?
In these cases, banks can do it, but operators cannot do it. This is a policy bottleneck and no one blames anyone.
1. Why the balance of the mobile phone card that the operator deactivated cannot be refunded in cash, and the balance on the UnionPay card can be transferred or refunded;
2. The operator cannot handle the deposit and loan business, and the phone bills deposited into the mobile phone do not incur any interest, and at most give the phone bill subsidies (also explain the participation in the event.);
3. Free reminders for operator account changes, many reminders are regarded as lagging information in advertising settings, and UnionPay SMS reminders charge 12 yuan and 24 yuan / year respectively, which is called the SMS reminder service;
Operators' "pipeline" seems inevitable, so why not transform mobile payment? Isn't it more convenient for users to access mobile phone bills like Alipay? This is a good idea. Why don't operators do this now?
The same question: why can't mobile phone bills be used to refuel, buy food, or transfer money to another mobile phone?
At present, on the Internet such as Sohu, LeTV, Qiyi, you can use mobile phones to pay for monthly packages, etc., but most of the amount is 2 yuan, 5 yuan, if more than 10,000 yuan payment, can the mobile phone be completed?
Failure cases:
1. The “swipe mobile phone into the subway†cooperated by the Guangzhou Metro Company and an operator, due to differences in negotiations with the subway company, aborted within less than one year of experiment;
2. All terminals with the “Mobile Wallet†logo printed at Shanghai Metro Station will be replaced on a large scale. All the previous investments will be discarded. Updating the 13.56MHz standard chip will have to bear all the replacement costs. Due to the different standards, it leads to waste of resources and repeated construction This is not a minority in the country.
3. A certain operator and Carrefour and other shopping malls promoted mobile payment, but the number of users was too small, and the POS machine became a hindrance and was removed.
success case:
1. Shenyang and other places have cooperated with bus companies to swipe their mobile phones, resulting in less profit and more payment.
2. Business promotion such as bus payment and supermarket card swiping requires negotiation one by one.
China Mobile's location base revealed that in order to promote bus payment, it is necessary to negotiate with bus companies one by one, and contracts need to be signed one by one. Since each bus company has different hardware facilities, different solutions are required.
How do operators handle the relationship between bank accounts and their own accounts? "Business Value" puts forward three conditions for operator authentication based on "account" in "How Operators Play Mobile Payments": 1) maintain the universality of mobile phone numbers as user identification; 2) reject illegal users; 3) record Successful transactions have gradually established a user behavior database and a credit history database.
The author believes that this idea is undoubtedly a fantasy: 1) Many mobile phone numbers cannot be used as user passes, because real-name authentication is not handled like a 100% ID card in the financial system; 2) Combating illegal users is a social problem. The structure is not the same as the bank; 3) As for the database to be established easily, operators are not good at managing financial products. For example, if a mobile phone owes money, an account will be sealed for one cent, but such an event will not occur in the financial system.
It's not too late to learn from the Internet
Who is more suitable for mobile phone payment, bank card payment and fixed-line payment?
Industry insiders analyzed that mobile can't do it by itself, the best thing is to first collaborate with Internet companies and learn from them.
For example, at present, China Mobile's e-vouchers are used on e-commerce platforms such as JD.com, Dangdang, and Fanke Eslite. The data shows that in 2012, China Mobile's provinces issued a total of 500 million yuan of electronic vouchers. It is said that the monthly active users of electronic vouchers exceed 1 million.
In addition, mobile payment clients like China Mobile and China Merchants Bank are also considered as an avant-garde model.
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