ChineseNewYearredenvelopesbattlethebiggestlosersarebanksFreePaperDownloadCenterNews:ChineseNewYearredenvelopesWarsisawinnerforAliandTencent,itisbeyonddoubt.Becausethroughtheissuanceoffreeenvelopesandmoremobilephoneuserscontactsandexperiencemobilepayment,mobilepaymentusersisaverygoodeducation.TheChineseNewYearredenvelopeswarbutthebiggestlosersarebanks.Althoughintheory,alotofbankcardbundledwithmobilepaymentusers,yetwillnotusemobilepaymenttransactions,butitcreatestheopportunitytotradethem.Iseesomenetizenssaidthatmicro-channelpaymentcardisbundledwithabankinordertoreceivearedenvelope,neveruse.Infact,hundredsofmillionsofusersaftertheopeningofthemobilepayment,mobilepaymentisstillexperiencingscenewouldconsiderusing,butitisasubtleprocess,inthehugeuserbasetouseacertainpercentageoftheamountofusersisabigmarket.AftertheSpringFestival,Iwenttothesupermarket,---本文于网络，仅供参考，勿照抄，如有侵权请联系删除---thecheckout40-year-oldwomanwhosawinfrontofthecheckoutcounterclosetothe‘micro-channelcanbeusedtopayAlipay,’theleaflets,surprisedtosay‘Look!Supermarketcanpayphoneup!‘Sotheimpactofthiswarisunprecedentedred,formanythisisnotamobilepaymentuserswhohavealotofstimulation,sotheybegantoslowlyunderstandandacceptnewthings.Similarly,theNewYear2015NewYearmessage,IonlyreceivedtwoNewYear’smessage,whilein2014thereare80percentoftheNewYearSpringFestivalistheSMSmessage,onlyayearNewYearSMSNewYearwasreplacedbymicro-channelusersquicklyacceptandlearntouse.Therefore,ifthereismoremobileunderPaylinesceneappearedinevitablerapidalternativemobilepaymentpartoftheotherpaymentmethods.Irarelygooutwithcash,creditcardandinconvenient,whenataxi,shopping,dinner,alwaysaskwhetherthepaymentbyphone.Currently,offlinebusinessestosupportmobilepaymentsgenerallyisnotenough,IbelievebothPaypal,ormicro-channelaremakingfranticpusheventstodrawbusinesseslaunchmobilepayment.---本文于网络，仅供参考，勿照抄，如有侵权请联系删除---Notonlycanphonepayments,businessescanalsogetmobilepaymentcardcompanies,suchascoupons,publicconcern,suchasautomaticnumberservices,marketingsupportandthisisthebankcannotprovide.Mobilepaymentisunabletoresistthistrend,buttheopportunityforPayPalandmicro-channelareequal,businesseswillcertainlyhangouttwomobilepaymenttoolforcustomerstochoosefrom.Themicro-channelwithmoreuserbase,oncethemicro-channelpaytheopeningnumberofusersreachesacertainpercentageofAlipaywillhaveaverystrongsubstitutioneffect,becausecitypeoplefromtimetotimeintheopenmicro-channel,timeisalsogiventothemicro-channel,comparedtoopenAlipaymorehabit,thisisthebiggestworryMa.Ofcourse,paythescenemicro-channelonlinecannotAlipaymatch,afterPaypalseveraldevelopmentyears,andhavetheirownelectronicbusinessplatform,asmanyonlinetradingplatformofpaymentinstruments,andonlinebankingpaymenttied(utilityfees,ticketsandotherelectricalbusinessplatform),itisdifficulttogobeyondmicro-channelpayintheshortterm.---本文于网络，仅供参考，勿照抄，如有侵权请联系删除---Paypalpaymentandmicro-channelhasbecomeHutchmobilepayments,andbankinginstitutionslaunchedthe‘flashpayNFC’butactionisslow,becausethebanksasamonopolyinstitution,existingachievementsbecometheirburdenofdevelopingnewmarkets,theelephantdanceoriginallydifficult.AndjustaunifiedstandardNFCpayments,manyusersdonothavetoreplacethebankcardwithachip,educationalusers‘flashpay’cannothappenovernight,ashundredsofmillionsofusersliketheInterneteducationcompany,sothebankisthelargestChineseNewYearredenvelopes2015warlosers.AnotherbattleAlipaypaymentandmicro-channelisaprivatebank,theysetupaprivatebankshares(Zhe激angnetworkoperators,banks,micro-publicbank),youcandothesavings,creditandotherservices,useoftheirmassiveuseradvantages,advancedInternettools,itwillhaveahugeimpactontraditionalbanksagain.January2015,PremierLiKeqiangvisitedtheMicroFocusBank,andtoencourageprivatebankstostimulateinnovationbytraditionalbanks,toimprovetheoverallefficiencyofthebank.Moreover,manyInternet---本文于网络，仅供参考，勿照抄，如有侵权请联系删除---companieshavealsoreceivedcreditlicensesnetwork,Internetbanking,P2P,suchastheriseofthenetworktoraisepublicfinance,bankloansarethemainindustrywillhaveanimpact,theintensityofitseffectswillgraduallyappear,somesmalllocalbanksclosurescoming.Finally,IwanttosaythatthegeneraltrendofconvergenceofInternetandtraditionalindustries,anyofuscannotbethesameoldwayofthinkingtolookatintegration,nottounderestimatethelethalityofthisrevolution.Thischangemayeventuallyleadtoredistributionofthewealthofsocietyasawhole,suchasdominoesproduceaseriesofchainreactions.(Source:Baiduonehundred;Study:HeartofRock)---本文于网络，仅供参考，勿照抄，如有侵权请联系删除---