Driven by the popularity of smartphones, mobile payment has gradually emerged. At present, domestic mobile phone payment mainly uses two-dimensional code payment and NFC payment. Although the two-dimensional code once surpassed NFC payment under the promotion of Tencent, NFC is the only one with the central bank calling the two-dimensional code payment.
On the other hand, NFC payments dominated by operators and banks are more likely to receive upper-level support. For banks, the bank card business has covered payments in various consumer sectors, but for banks, the public sector is an industry that has not yet been involved, such as transportation cards. By intervening in the public domain through NFC, bank cards and public systems can be avoided. The direct collision of the card (traffic card), the curve of the interventional market.
Stop the QR code to make room for NFC
Some time ago, the central bank called to stop the QR code payment, leaving room for NFC market.
In the field of mobile payment, the mainstream technology is two-dimensional code, NFC, voice control, etc. Among them, the more mature technology is two-dimensional code and NFC, especially the two-dimensional code has been widely used, and NFC is mainly in the payment field. With the introduction of QR code payment by WeChat, the mobile payment market has become a competition between NFC and QR code. At the beginning of 2014, the QR code once exceeded NFC and marginalized NFC.
However, on March 14, the central bank suspended the virtual credit card and QR code payment business. Since March 19, the central bank issued the "Guiding Opinions of the People's Bank of China on the Development of Mobile Payment Services" to encourage NFC payment while combating QR code payment. According to the opinion issued by the central bank, the central bank encourages commercial banks to expand NFC payments. If the bank opens a bank account for customers through the TSM platform, if the customer already has a bank account, the customer identity verification can be carried out in a non-counter manner.
From the NFC technology provider, NFC has also entered a mature period. On the one hand, the Ministry of Industry and Information Technology has agreed to the national standard for NFC payments, the standard is 13.56MHz. In terms of operators, operators also promote NFC. At the end of March, China Telecom carried out NFC promotion, stipulated that 4G customized machines adopt NFC standard, and signed mobile phone wallet promotion agreements with many banks in early 2014, and launched NFC standard SIM cards of 50 million. Zhang.
According to the predictions of third-party organizations, the penetration rate of China's NFC mobile payment users will reach 30% in 2017, and the collection of mobile payment cards in 2014 will reach 280 million.
NFC is a strong alliance between operators and the banking system.
The QR code is led by WeChat, which is dominated by Tenpay, and the participants are scarce and cannot be used by the public. The NFC industry chain is long, and it involves the financial system and communication system. There are more participants and strong synergies.
In the NFC industry chain, communication systems (telecommunications, mobile, China Unicom) set technical standards, and banks will connect mobile banking to NFC. In the banking system, UnionPay is responsible for the construction of the UnionPay “flash payment†logo POS machine, and NFC will aggregate the major interests to form a synergistic effect.
For example, the model of Mobile's cooperation with Shanghai Pudong Development Bank to promote NFC payment will be included in the UnionPay settlement system.
For banks, the advantage of NFC is that it bypasses card payments. The use of mobile payment avoids the hardware cost of card payment, and can also enter the card payment field that has not been involved in some bank cards through mobile phone NFC payment, forming a new field expansion.
Not counting mobile banking, banking system payment mainly through online banking and credit cards, online banking is concentrated in the Internet and NFC has almost no overlap, and credit cards and mobile banking have a certain overlap, credit cards have been popularized in various consumer fields, major Catering, shopping malls, and entertainment venues can all be paid by bank credit card.
For banks, the areas that have not been covered by credit cards are mainly public facilities, and the more representative ones are transportation cards. However, banks use debit cards and credit cards to enter the public domain, directly compete with the transportation cards under the transportation system, and easily lead to conflicts of interest. If you choose NFC mobile payment, you can bypass the traffic card and enter the curve.
For example, it was learned through relevant channels that a bank in Shanghai originally scheduled a press conference in February 2014 to introduce a traffic card-like business. Bank cards and mobile banking can be used to take the subway, and related hardware equipment has been The installation was completed a few months ago. On the eve of the press conference, the subway operation department complained to the higher-level supervisory layer. Eventually, the bank’s project was suspended by the regulatory authorities, and its bank card subway payment function was suspended. However, the bank’s mobile payment function in the subway was opened.
The industry believes that NFC mobile payment will not form a direct card-to-card collision, with little impact. (In contrast, the transportation card has been determined to enter the catering entity payment in the past few years, but ultimately due to the obstruction of the banking system, so the banking system can open a new market for mobile banking.
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