After credit card payment and online payment, mobile payment is gradually becoming the focus of commercial bank development. China Merchants Bank recently released the “Mobile Wallet†business, which combines mobile phones and bank cards into one. When you pay, you only need to swipe your mobile phone on the POS machine to complete the payment, eliminating the process of entering the password and signature.
The reporter learned that the “mobile wallet†mobile payment product released by China Merchants Bank is actually a product that loads the bank card on a 3G mobile phone with a built-in security chip, namely an NFC mobile phone. At present, China Merchants Bank mobile wallet business supports HTC's desire for C, ONE XC, ONE X three models.
The reporter personally experienced the payment method of a mobile phone paying bill at the event. Customers only need to associate a TCL card with the “Mobile Wallet†to recharge the “Mobile Wallet†account at any time, up to 1000 yuan each time. At the time of checkout, put the mobile phone on the POS machine and complete the payment in a short time. No need to enter the password or signature, and you can check the account balance of China Merchants Bank “Mobile Wallet†at any time through the mobile phone. At present, China Merchants Bank “Mobile Wallet†can be quickly paid on any POS machine with UnionPay “Flash Pass†logo. In the future, China Merchants Bank will also introduce credit card recharge.
Since 2011, major banks have launched their own mobile payment products, such as China UnionPay and China UnionPay launched UnionPay mobile payment, China Mobile (microblogging) and Pudong Development Bank issued near-field payment co-branded cards and late evolution products NCF mobile phones, etc. . Mobile payment can further optimize the user's consumption and card experience, and increase the user's card frequency. At the same time, it can also make the bank's development in the field of mobile payment and digital bank card a great first-mover advantage.
The mobile wallet business has opened up a new market for mobile payments, but analysts believe that the business is difficult to make a profit in the short term. IResearch analysts said that NFC terminal restrictions are the biggest obstacle to their promotion. Compared with the mature smartphone market, the cost of replacing a mobile phone for a "mobile wallet" is too high, and it is difficult to obtain development from an old mobile phone user in a short period of time. Secondly, the products launched by various banks can only be bound. The bank's own credit or debit card is not as good as a third-party payment company in terms of cross-bank integration. In the future, banks may consider in-depth cooperation with third-party payment companies to solve this problem.
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