Wechat Limited Payment Line Limited Investment Jingdong Did Not Bring Incremental

< p > > strong > 1. < a href= "http:// www.91se91.com/news/index_c.asp" > WeChat < /a > payment function is more and more perfect, but the ecology is incomplete.

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< p > WeChat payment has recently added functions of wallet and pfer, which is further symmetrical with Ali's Alipay in function. However, because WeChat's payment itself is not perfect, some key services can only be similar.

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< p > for example, people in the industry have compared the difference between financial management and balance treasure: < /p >

< p > > a href= "http://? www.91se91.com/news/index_c.asp" > balance treasure < /a > is the demand of users born in the long term storage of Alipay. For this reason, Ali also acquired the Celestica fund to realize the unification of the consumer end (Taobao, Tmall), the payment side (Alipay) and the financial fund, so it is easy to realize fast payment through the balance treasure.

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< p > and WeChat payment wants to achieve a href= "http:// www.91se91.com/news/index_c.asp" > fast payment < /a > through CAITONG. It needs to reach an agreement with the fund company, and also requires fund company to prepare 5%-20%'s advance fund. The scale calculation of financial affairs through 100 billion will be 5 billion to 20 billion. Most fund companies can hardly afford it.

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< p > therefore, CAITONG is more like an entrance to the diversion of financial products, and can not become a part of WeChat payment ecosystem.

This also causes WeChat to pay defects in storage value, and can only do small storage value through WeChat change.

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< p > Tencent obviously also realized this short board, whether it was recently renamed "Cai Fu Tong payment" by Fu Tong Tong, or frequently heard the news of setting up private banks in Qianhai, all of which showed the attitude of Tencent to strengthen financial services.

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< p > < strong > 2. investment in Jingdong has not yet brought incremental business to WeChat.

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< p > according to the public documents, the total turnover of Ali business in 2013 is 15420 billion yuan, while the total payment amount of Alipay in fiscal year 2014 is about 38720 billion yuan, and the role of the electricity supplier in network payment is obvious.

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< p > but the cooperation between WeChat and Jingdong in payment seems to be out of harmony. Jingdong's own App and electricity providers have not accepted WeChat's payment so far, and Jingdong is not aware of WeChat's payment, which is easy to understand: < /p >

< p > on the one hand, Jingdong itself is also doing financial business. WeChat will pay a lot of money to starve its financial business.

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< p > on the other hand, WeChat accounts and WeChat are also used in the payment process, which will inevitably lead to the full flow of data to Tencent. How can a strong Liu Qiangdong give her fortune to Tencent?

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< p >, therefore, in the case of Jingdong unwilling to WeChat, WeChat payment is very difficult to obtain any support from Jingdong's traditional e-commerce providers, and can only rely on its own service number, electricity supplier and shopping entrance.

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< p > < strong > 3. the payment of two-dimensional code is banned, resulting in the delay of WeChat online expansion.

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< p > in fact, in the initial planning, the bottom line is the most critical part of WeChat payment. However, due to the ban on "two-dimensional code payment" by the central bank, WeChat's online payment expansion is in a great predicament.

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< p > insiders revealed that WeChat and the top grade discount experience shop had brought a lot of pressure to Tencent. It is not expected that Tencent will have a big action online next time.

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< p > another worry is that the overlord in the offline payment field has also slowed down. It is understood that the UnionPay sent 100 people team to jointly develop NFC mobile payment technology based on iPhone 6, while still developing the two-dimensional code under the line.

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< p > therefore, even if the two-dimensional code payment is lifted in the future, WeChat will face the challenge of the UnionPay even if Alipay pays.

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< p > < strong > 4. WeChat payment is trying to expand demand, but it turns out that WeChat traffic is also limited.

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< p > electricity providers do not give enough power. Under the condition of Limited Business under the line, Tencent has to work hard to pay for WeChat to create "demand", such as hand tour micro stores, air tickets, lottery tickets and so on.

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< p > but on the one hand, the volume of these demands is limited. On the other hand, it relies heavily on WeChat's traffic injection. However, the Jingdong entry proves that WeChat's traffic is limited.

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< p > as a communication App, WeChat has always been very careful about the diversion from the circle of friends, so the service form such as the electricity supplier and so on can only rely on WeChat advertising.

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< p > Tencent insiders revealed that WeChat had assessed the subscription number advertising traffic. The result is satisfactory. And it is also understood that WeChat advertising will try more locations and forms when WeChat advertising system is gradually running, which has become the key to the continued payment of WeChat.

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< p > finally concluded: after experiencing the initial surprise, WeChat's payment is still growing fast, but it is experiencing growth bottlenecks. Instead, the UnionPay and Alipay are rapidly upgrading from the form of products to catch up.

As an insider knows, relying on Tencent, WeChat payment can be invincible, but if we want to dominate the Internet payment market, Tencent still needs to find new opportunities.

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