Visible challenges in third-party payment
May 25, 20121.
The pressure of competition
Will compete on the point of view we define the industrial
chain, the large customer transaction volume and user squeeze even direct
competition payments, the source of the industrial chain of online banking
services to improve the competition, in fact exacerbate the vicious competition
of third-party payment . Powerful user resource is subject to third-party online payment gateway provider in the industry chain, the online banking service still in its
infancy, the central bank's policy uncertainty, in addition to pay the service
provider's operations to open up enough, in particular, is eager investors and
pay providers of long-term development strategy, in order to get the users and
traffic, making this industry there is a clear price war, attack each other and
other competitive pressures. From the direct cheap, free, to the service fee
discounts, service competition to the edge of the people sigh. On the surface
of the payments industry in full swing, what merchants pay for merchant ships
to negotiate lower prices with various third-party house merchants Diandaqike.
This occurs is not responsible for merchants, but to pay the service providers
in the low-level competition.
2.
Invested pressure
Due to the high-speed market and technology changes, as
the service provider of enterprise online transaction services platform
security into the platform processing capabilities into the system to meet
diverse user needs and development investment, market development and marketing
investment, but also increase the dynamic the. Investment and operating costs,
the source of the industrial chain of the cost of banking transactions is still
relatively high, making third-party payment providers for long-term development
must be balanced and commitment to the input pressure.
3.
Earnings pressure
Pressure above the competition and investment, making the
most of the short-term third-party payment providers operating in the
break-even reluctantly. In addition to the individual firm investors, most
investors can not not its results of operations for profitability assessment,
operators need to balance in all aspects of investment, it is prone to
exaggerated propaganda and unworthy of the name of low-quality services. Can
not continue to improve the quality of service on the payment service is fatal.
4.
Service innovation pressure
Innovative payment services and contains a number of
aspects: for example, mobile payment, telephone payment, mobile pos payment
means innovation; such as wallet to pay the card points to pay, and other
innovative payment platform mode; b2b, g2b,, b2b2c payment gateway service innovation ;
also includes many aspects of the settlement, guarantees, customer service
innovation. In addition, pay suppliers focus on innovation, should focus in the
industry chain upstream and downstream cooperation and innovation, e-commerce
platform and enterprise-level needs of the service innovation, as well as
mining payment needs from traditional trading, logistics and other market
segments conducted in service innovation.
Posted by wangxueru.