Alipay Wallet 8 Online Social Networking Started Wechat

< 7.7 > before the p version of the wallet, you can choose three different functional interfaces through the left and right slide on the front page.

The 8 version cancels the left and right slide option. The interface of the third party software can be added to the top of the dialog box in the name of "my life", and the function of face-to-face payment is fixed to the upper right corner of the interface.

Sliding to the left is still valid, but the "set to" and "delete" options appear exactly the same as a well-known software.

< /p >

< p > a joke: after Ali's team accuses a href= "http://www.91se91.com/news/index_c.asp" > WeChat < /a >, the team will be more emboldened when they plagiarize.

< /p >

< p > I don't think a small cell phone screen can accommodate many kinds of interfaces and operation logic. Users who are changeable will never have patience to learn.

With WeChat becoming a nationwide mobile phone APP, Alipay Wallet 8 revealed that the social financial approach to WeChat would be a choice for all APP.

< /p >

"P > < strong > what is < a href= > http://www.91se91.com/news/index_c.asp > > Social Finance < /a > < /strong > < /p >

< p > the word "social finance" is really new. I want to use it to describe financial instruments that emphasize user pactions.

This definition may not be accurate, or it may be more appropriate later. Let's first use it to describe the specific market segments in mobile finance.

< /p >

< p > for example, the financial function of electronic payment is only a paction between sellers and buyers. There is no need for buyers to communicate with each other. This is not social finance. Even moving to mobile phones is only mobile finance.

If Alipay wallet is like this, besides shopping payment, it also wants users to pay through Alipay wallet AA, pfer money to each other, make phone calls for others, and so on, which is a very special social finance.

Think about it. If you want to charge for others, is it convenient to use dialogs or to purchase the pages of virtual goods? Is it convenient to choose directly from the phone book or to enter the telephone number? Is it convenient to use the account pfer or to pay in person when others repay the money? < /p >

< p > Ping An Group's new "one purse" is also social finance.

In the new year's address entitled "technology and comprehensive finance," Ma Mingzhe said: (wallet) it is a mobile social financial service platform that can help customers to carry out wealth management, health management and life management. It is also a mobile management platform for our safe employees.

< /p >

< p > it can be said that whether it is strong a href= "http://www.91se91.com/news/index_c.asp" > Alipay money < /a > bag, or Ping An wallet and other banks launched APP APP mobile phone, UI in the future is the first thing to consider not its own characteristics, but not learn WeChat.

< /p >

< p > < strong > not like WeChat. < /strong > < /p >

< p > no WeChat, of course. But unlike WeChat, the result is to become a niche APP. The users above scale are bound to have no desire to learn. Even a strong single company like Alipay can not push such a large number of users to learn what they are not familiar with.

< /p >

< p > the best example is "sweeping".

< /p >

< p > from the convenience level of mobile payment, it is obvious that near-field payment is better than Alipay acoustic payment, and acoustic payment is better than scanning two-dimensional code.

Because the near-field payment is not restricted by any angle or posture, it is natural to complete payment with mobile phone near a specific device.

Sound payment needs to close the microphone and receiver to receive the acoustic signal, but this process is close to it.

The most troublesome problem of scanning two-dimensional code is not only to open the camera, but also to stabilize the two-dimensional code.

< /p >

< p > Why did WeChat choose to scan the two-dimensional code with the worst customer experience camera? Because customary habits are extremely difficult to cultivate.

If it is near field payment, special equipment is needed, no equipment is used, no one is accustomed to using it. It is more difficult for the equipment to be deployed. This is the deadlock in the promotion of NFC between China UnionPay and China Mobile.

Sonic payment is low on equipment, but users are not familiar with the action of the top end of the phone. Besides Alipay wallet, there is no other chance to use it. Even powerful as Alipay, it is difficult to cultivate new habits of users independently.

< /p >

< p > therefore, WeChat pays the worst customer experience, but users are most accustomed to scanning the two-dimensional code.

The concept of two-dimensional code has been popularized by many companies for many years. At least users are not strangers to these strange black blocks.

Moreover, when landing on the WeChat computer terminal, it is exactly the way to scan the two-dimensional code.

In order to pay for learning scanned two-dimensional code is very difficult, but in order to use computer keyboards to talk about WeChat learning sweep is worth it - this is also consistent with the experience of many generations of the use of WeChat.

< /p >

P, even WeChat, must succumb to sweeping; even Alipay wallets, it is difficult to achieve the popularity of acoustic payment independently.

How are the rest of the mobile payment players stronger than the two giants? Are there any other options besides imitation? < /p >

< p > < strong > who is the crisis of comprehensive WeChat? < /strong > < /p >

< p > definitely not a WeChat crisis or a Alipay wallet crisis.

The number of users of these two giants is at the level of 100 million, which is far from the APP of other mobile phones.

Now the situation is that the old couple are fighting.

< /p >

< p > third party payment has no chance to participate in the market competition as an independent APP.

Jingdong and Suning want to build their own account system, but they have no chance to evolve into a personal financial instrument like Alipay.

Huitianfu, a cash fund such as Jinbao and Huaxia pass, can still survive well, bringing in many traffic and extra functions for its own products, but there is no opportunity to cover users at this level of "APP".

Many commercial banks' mobile banking APP may still cover hundreds of millions of users, but they have no chance to develop their personalities. As long as they are unique, they can not improve the utilization rate. Most users will only pay Alipay wallet and WeChat payment with your bank card in the mobile finance era.

The safe one wallet is special because it has the advantages of quasi mixed operation and financial products of Lu Jin, but according to its humble home edition, it still has a big gap from Alipay wallet.

< /p >

< p > Apple iOS and Google Android are likely to fundamentally change the competitive situation.

Once the two mobile phone systems join the underlying support for mobile payment and complete user education through official tools, other companies may have the opportunity to catch up with WeChat payments and Alipay wallets.

< /p >