When you go to the mall to make a checkout, as long as the merchant is equipped with a POS machine with the “QuickPass†logo, the public does not need to bring a bank card, and the mobile phone can be paid in close proximity to the mobile phone. In recent years, more and more banks have launched mobile wallet services. Customers download their own systems through mobile phones and deposit funds from bundled bank card accounts to wallets. Mobile phones can become wallets. However, the reporter learned that due to the limited use of the current field, and other convenient ways such as WeChat payment, the bank mobile wallet still encounters a small number of people.
In terms of mobile convenience payment, the Bank has continued to exert its strength in recent years. Following the launch of financial IC card consumption flash payment business, many banks such as ICBC, Bank of China, China Merchants Bank, Pudong Development, China Everbright, and CITIC have also launched mobile wallet business. The business is supported by bank joint communications providers and China UnionPay. Customers need to change their ID card to the designated mobile business hall with their ID card.
However, the reporter learned from the bank on the 9th that such a new payment method has not been sought after by customers. At present, the progress of the mobile wallet is slow. Although the payment environment of mobile wallets and financial IC cards has been continuously improved, relevant departments are gradually promoting POS terminal renovation projects in the field of micropayments such as supermarkets, fast food restaurants, newsstands, etc. More than 40% of POS machines in the province have accepted flash payment. Business, but there are not many areas that can be used as a whole, and customer experience is not strong. According to its introduction, in Shanghai and other places, mobile phone wallets are widely used, expanding into the field of subway vending machine consumption. Generally speaking, the wider the application field, the more convenient the customer's payment, so that there will be active participation. At the same time, emerging payment methods such as Alipay and WeChat payment are more convenient, attracting the attention of most young customers.
In addition, the mobile wallet business is in its infancy, and there are certain thresholds for handling, and the procedures are relatively complicated. The customer first needs a special SIM card for the mobile wallet business. The customer needs to go to the mobile business hall to apply for a card replacement procedure, and the mobile wallet needs the corresponding mobile phone support. Some banks stipulate that only some customized smartphones such as Samsung, HTC, Huawei, ZTE, and Xiaomi can apply for mobile payment services. Smartphones such as Apple cannot be opened because the system does not support them. In addition, some customers worry that although the mobile wallet is easy to use, it can be flashed without entering a password, but the amount in the mobile wallet cannot be lost if it is lost. This means that if the customer loses his or her mobile phone, the amount in the mobile wallet will never return.
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