How to crack mobile payment mess

Mobile payment and mobile wallet are undoubtedly one of the most popular vocabulary in the past few days. It has made cooperation with Ma Yun and Wang Jianlin, who made a billion yuan a year ago, and Wanda Cinema officially connected to the Alipay platform to test the sound wave. Tickets; it stirs up the new version of WeChat to update one faster, and the 5.1 version of the update that was exposed yesterday almost all started around micropayments; even the roadside parking fee scheme announced by Shenzhen in the previous two days was also paid by mobile phone.

Undoubtedly, with the advent of the 4G era, mobile payment has been spurring the nerves of the big players at the end of 2013, becoming the last battleground of this year. The three giants of BAT in the first camp of China's Internet, regardless of their Internet genes, have plunged into the field of mobile payment. The "two horses" high-profile occasions are horizontal and horizontal, creating a unified front line.

Obviously, in a certain sense, mobile payment has become the most representative and revolutionary application in the era of mobile Internet. It is its emergence that makes the mobile Internet, which has been struggling to find a profit model, see the dawn. Make the mobile Internet really have the fulcrum of the industry. If web2.0 changes the way companies market, and e-commerce changes the business model, then mobile payments change people's lives.

The future is beautiful, but the road is tortuous. There is a lot of hidden worries in the field that everyone wants to fight, the industry that everyone is optimistic about, and the taste. Industry data predicts that in 2016, it will reach the trillion-scale market. It is precisely because of the strong intervention of the big brothers that it has become a melee market, each payment standard, a payment technology, and even the company is forced to sign an exclusive cooperation agreement, resulting in users. In this store, Alipay, but the opposite is only a micropayment or a mobile wallet. It is undeniable that this payment method, which has just emerged and has not even penetrated completely online, has directly entered the era of princes.

This can't help reminding everyone of the bank card before UnionPay. At that time, almost every mall's checkout counter was equipped with a POS machine. Customers can only pick up the POS machine of the card issuing bank. Even so, they will encounter it. The card can't be brushed. Today's mobile payment, although given a huge imagination, but the mainstream payment methods are carrier channels, application payment (APP), near field communication payment (NFC), card reader four categories, all major categories Underneath, there are many standards and methods developed by enterprises, which are more than the bank card payment before the UnionPay.

Such a market form, while embodying full competition, hinders the development of the market, hurts the interests of consumers, and runs counter to the principles of hardware and software standardization and generalization of the Internet and the entire IT industry. Therefore, we do not want to intervene in the market, but we hope that there will be enterprises or industry organizations that use Android wisdom to solve the problem of mobile payment. At that time, Apple's ios system was good, but this "high-rich handsome" ecology is closed, without "silk" play, and Android is seeing this market, using free, open source can not afford to play Apple's "屌丝" joint It will eventually occupy 81% of the global market share, and also provide a relatively uniform environment for upstream and downstream developers and consumers.

Similarly, Alipay and WeChat may not bring everyone to play, but can other mobile payment methods be able to get a unified standard? Or build a unified platform? Everyone is telling stories about mobile payment. It is necessary to make the story a reality. It is the foundation to cultivate a unified market. Regardless of the four major payment methods, whoever has the upper hand, should at least have a unified standard for each category? Let the merchant install a platform, consumers can use a tool to pay for it? Otherwise, the ideal of beauty is just a story.