Visible challenges in third-party payment
1. 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 payment 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 service innovation ; also includes many aspects online payment gateway 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.
Published on May 23, 2012