Problems and solutions of third-party payment industry
Problems and solutions of third-party payment industry
1)
The majority of third-party payment of a single
product (ie profitability of a single mode), referring simply to provide funds
trading platform.
Solution:
Optimize the enterprise product line, enriched products,
to meet the needs of different customer groups and competitive towards product
diversification.
2) the state third-party payment companies supervision is
not enough.
Solution:
With the issuance of license to pay, on behalf of
online payment solution countries have begun to pay attention to third-party payment industry began to
monitor third-party payment industry, but the license just to begin issuing,
supervision and the system takes time, as time goes by, I believe third-party
payment industry will have a sound system to restrain the payment companies.
3) the payment of safety supervision is not enough.
Cardholder in the payment process, the third-party payment
companies can get cardholder information, paid by the enterprise itself system
is not perfect, will lead to the cardholder information leakage, internal
employees can easily get hold card information of people, this is a very
dangerous thing, payment companies will apply for PCI certification, a
certification does not guarantee safety.
Solution:
Countries should be awarded the management of financial
institutions> "the same system to manage third-party payment companies,
and random spot checks, on-site inspection, payment of the platform source code
inspection. Payment companies really do pay for information security, and
ensure cardholder information security.
The prospects for third-party payment enterprise
development, I consider: the third-party payment industry, we are still groping
in the line, an industry standards and industry benchmark, we only know that
the industry outlook is very good, in the end how to operate company, how to
develop their own businesses, but also very confused in the front row; after
payment of a license issued after the state continue to increase the
supervision of the payment industry, I would like to pay the industry will be
towards product payment gateway diversification, diversification of services, the imputation of
funds is the only access. rather than as just a simple financial transactions
platform; to pay the company's own products and services provided must be close
to the user, and daily life, allowing users to use third-party payment platform
to trade become a lifestyle to become a convenient living, different payment
companies have their own special products and product innovation