As we all know, the development of Internet finance has exposed the banking industry with unprecedented competitive pressure. This is also considered to be the best annotation of Internet + development. The development of Internet finance has forced the banking industry to make various changes, although almost all banks Both have launched their own mobile APP applications, but compared to the convenience and speed of Internet finance, the development of the bank itself is still so complicated, it is difficult to truly integrate into the context of Internet finance development, which is somewhat expected to be more in the banking industry. Development changes. The development of Internet finance has been exploring new models. Mobile payment, virtual credit cards, and some “advanced payment†models introduced by some Internet platforms are actually similar to credit card models, such as flower cards and white bars.
Recently, we have seen that many banks have launched virtual credit cards to participate in the development of Internet finance. It has also begun to promote cardless payment, and Internet finance companies led by Alipay are also promoting the cashless society. Recently, the Bank of Communications credit card announced the official launch of "mobile credit card", known as the card used to open the card to subvert the tradition, to do the "black technology" in the credit card. The so-called virtual credit card means that the credit card has no card transaction, and the credit card consumption behavior can be realized without performing the physical action of swiping the card on the POS machine. At present, many banks such as CCB, BOC, China Merchants Bank, Pudong Development, CITIC, and Guangfa have launched virtual credit cards.
It is worth noting that the bank's virtual credit card is not a complete development idea of ​​Internet finance inclusive finance. Especially for the ultimate user, if you want to obtain the bank's virtual credit card, you need to have a physical credit card. Currently, apply for the Bank of China. The virtual credit cards of banks such as Pudong Development, CITIC, and Guangfa must first have a physical credit card of the bank, and then open a virtual credit card account. The Dragon Card e-paid card launched by CCB is a main card type virtual card used for independent and complete main accounts, and does not depend on physical credit cards. As we all know, physical credit card applications generally have a lot of cumbersome audits, in addition to the corresponding cost and time period, in terms of convenience are very general, and most have an annual fee.
It is reported that virtual credit cards can be divided into three categories according to the relationship with the physical credit card and the implementation method: one is the main card type virtual card, which is used for the independent and complete main account, and does not depend on the physical credit card; The card's accessory card, that is, the card-type virtual card, can apply for several virtual card accounts through one main card; and the other is a mapped virtual card, such as Apple Pay, Samsung Pay, HCE cloud flash payment, etc. Credit card.
As we all know, as early as 2014, Alipay and Tencent had jointly tested commercial virtual credit cards with commercial banks. It is a pity that the test water has just been issued by the central bank to issue a “suspension letterâ€. The letter points out that the virtual credit card needs further research on the implementation of customer identification obligations and the protection of customer information. The relevant departments will comply with it. Comprehensive assessment of safety and safety. This move was once also questioned by the industry as protecting the interests of physical banks. In fact, virtual credit cards are not the only mode of “credit card virtualizationâ€. Some of the “advanced†consumption we have seen so far has been implemented on platforms such as third-party payment, and consumer financial products represented by Ant Garden and Jingdong White Bar. As well as the consumption staging promoted by some mutual gold platforms, it is actually a transformation mode of virtual credit cards.
As we all know, the recent cashless alliance was established in Hangzhou, the United Nations Environment Agency, Ant Financial Service as a director. According to reports, in the future, Ant Financial will invest no less than RMB 3 billion per year to support cashless alliance merchants, including fee reduction and operating expenses. In fact, third-party payment relies largely on the convenience of cashless and card-free payment. In contrast, the bank’s response is slower than half a shot, and third-party payment companies are positioned to become stronger and bigger. For users, the only drawback in mobile payment is that the ability to achieve "advanced" consumption is not enough. After all, mobile payment models such as WeChat payment and Alipay wallet are basically bundled with bank debit cards instead of credit cards.
With the rapid development of mobile payment, especially the rapid development of Alipay wallet and WeChat payment, and mobile phone manufacturers are actively promoting mobile payment modes such as near-field payment on their own smart phones, the purpose is to provide users with simpler and simpler The consumer payment model, which is actually in the market with the bank card, especially with the credit card. The banking industry has begun to try to change its position. In fact, it is also an advantage in seeking competition. Promoting the construction of virtual credit cards is also an attempt of mobile payment. However, according to the current development context, it is only the initial stage, it is difficult to form a mainstream mode of mobile payment in the short term. After all, Alipay and WeChat have a great ability to cultivate the market in this respect and the price paid. It is not so easy for the banking industry to bend overtaking.
Some people in the banking industry said, "The development of China's credit card industry has entered the second half. Mobile credit cards will be a thorn in the traditional credit card's pursuit of change, and behind it will be the bank's all-round business model from product, service, marketing to management. The change is also an important sign that the traditional credit card center has become an Internet platform. "But now it is only the concept first, whether the user can accept it, whether it is willing to try it, and how much it can radiate is the key. After all, in this mode of cardless payment, third-party payment currently occupies the advantage of word of mouth and user advantage, while the traditional bank's multi-year offline acquiring business has cultivated it, which makes it have stronger channel advantages and scene advantages. Therefore, the competition has just begun, and there are many opportunities for future cooperation. The market changes call for various changes. For users, who is more convenient, safer, better service, and has appropriate discounts, then who products It is easier to get the favor of users.
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