使得移动设备像银行卡一样方便进行支付 传话铺子

Apple officially launched payment of 19 banks to pay Apple officially launched high-profile layout banks each reporter Deng Liping high-profile layout in February 18th, apple officially launched on the market China payment. Apple CEO Cook announced this message on micro-blog early in the morning and said, "welcome everyone to try."". In addition to apple, the most propaganda, as well as the support of Apple Pay banks. Apple Pay is the first access to 19 banks, starting from the afternoon of February 17th, banks have been through WeChat and micro-blog to launch Apple Pay news, some banks even half a day on the public number has published three related news, from Apple Pay to the benefits of safety and benefits etc.. There is ridicule regulators did not allow banks so together too". In the industry view, mobile payment is undoubtedly the future direction, but in the commercial bank has not issued a more powerful voice, Apple Pay did not change into the original system, but also bring more incremental mobile payments to the bank, the banks, is also very good. Active banks open their phones in the morning, and the news that some of the banks focused on launching Apple Pay came out first. Most of the content is "XX bank is the first bank to support Apple Pay services."……" It also tells you the benefits of this kind of payment (security, convenience, where to use), and detailed card binding and flow of use…… The same as the first launch of Apple Pay bank, the banks in the promotion are not resigned to playing second fiddle. In addition to saying that they are "first batch", the banks have launched various promotional activities. For example, China Merchants Bank issued "from now until April 30th, with Apple Pay successfully bind China Merchants Bank credit card, can receive 99 points in the palm of life App" message. Guangdong Development Bank’s strength is more big, GF credit card played a binding credit card payment by GF, Apple Pay, in addition to designated brands half off concessions, gave 10 yuan monthly news ". Visible, banks are using their own methods to attract users. From the official website of apple, there are 19 banks currently in cooperation with Apple Pay, and in December 18th last year, UnionPay and Apple released cooperation news, announced that only 15 cooperative banks. The increasing number of banks also shows the attitudes of the banks to the cooperation. The industry is not surprised by the enthusiasm of the banks. A financial analyst said, Apple Pay allows banks to increase in mobile payments, and did not have any impact on the bank, so the bank is more willing to cooperate. In fact, although banks will face the fact that the transfer of fees into part of the transfer to the apple, but if the number of mobile payments increased, the benefits of banks will obviously more. Dong Xilun, guest researcher of Chongyang Financial Research Institute, Renmin University of China

苹果支付正式上线 19家银行争相高调布局   苹果支付正式上线 银行争相高调布局   ◎每经记者 邓莉苹   2月18日,苹果支付正式在中国市场上线。苹果CEO库克一大早在微博上宣布了这个消息并表示“欢迎大家踊跃尝试”。   除了苹果以外,宣传最卖力的,还有支持Apple Pay的各家银行。   Apple Pay首批接入的银行有19家,从2月17日下午开始,各家银行就陆续通过微信和微博发布推出Apple Pay的消息,有的银行公号甚至半天就发了三篇相关的消息,从讲Apple Pay的好处到安全性再到优惠等。有调侃的说法是监管部门“也没能让各家银行这么齐心过”。   在业内人士看来,移动支付无疑是未来的方向,但是商业银行在这块一直没有发出比较强大的声音,Apple Pay进入并未改变原有的体系,还会给银行带来更多的移动支付方面的增量,对银行来说,也是很有好处的。   积极的银行   早上一打开手机,关注过的几家银行推出Apple Pay的消息争先弹出来。内容大部分都是“XX银行是首批支持Apple Pay服务的银行……”同时还告诉你这种支付方式的好处(安全便捷性、可以在哪里使用)、还有详细的绑卡和使用流程……   同为首批推出Apple Pay的银行,各家银行在推广方面均都不甘示弱。除了纷纷表示自己是“首批”以外,各家银行还推出了各具特色的推广活动。比如招商银行发布了“即日起至4月30日,用Apple Pay成功绑定招行信用卡,可在掌上生活App领取99积分”的消息。广发银行的力度则更大,广发信用卡就打出了“绑定广发信用卡,用Apple Pay支付,除指定品牌商户五折优惠外,每月还送10元”的消息。可见,各家银行都在用自己的方法来吸引用户。   从苹果官网可以出,目前和Apple Pay合作的银行共有19家,而去年12月18日银联和苹果发布合作消息时,对外宣布的合作银行还只有15家。不断增加的银行数目也可以看出各家银行对这次合作的态度。   对于银行的热情,业内人士并不奇怪。一位金融分析师表示,Apple Pay可以让银行在移动支付方面得到增长,且没有对银行造成什么影响,所以银行是比较愿意合作的。   事实上,虽然银行会面临将收费分成转移一部分给苹果的现实,但是如果在移动支付的数量增加之后,银行所得到的好处显然会更多。   中国人民大学重阳金融研究院客座研究员董希淼对《每日经济新闻》记者表示,支付结算本来就是商业银行最基本的功能之一。但在近年来移动支付的浪潮中,作为中国金融服务主要提供者的商业银行,似乎过于默默无闻,没有发出足够强大的声音。   “在这种背景下,中国银联联合商业银行,以及通讯运营商、手机厂商和商户,适应移动互联网带来的深刻变革,推出了‘云闪付’。”董希淼表示,Apple Pay便是“云闪付”一个很好的推广契机。应该说,“云闪付”的出现,使得移动设备像银行卡一样方便进行支付,使“手机即银行”进一步成为现实。   此外,对于相关银行来说,新上线的apple pay让其各自之间也面临竞争,银行如此高调,也就不难理解了。   NFC支付迎来发展契机?   移动支付将成为未来的主要方向,这无疑已经成为行业的共识,各家机构都在积极抢夺入口和布局。银联在很早之前就已经推出了NFC支付,同时微信和支付宝祭出了扫码支付,并且采用红包、补贴等模式,大力抢占线下市场。   易观智库数据显示,2015年第三季度,中国第三方移动支付市场交易规模达43914亿元人民币,环比增长26.39%。其中,支付宝以71.51%的市场占有率继续占据移动支付市场首位;财付通位列第二,市场份额为15.99%。   事实上,NFC进入中国已经超过10年,但是此前并没有得到大力的推动。在业内人士看来,苹果支付由于其对用户的强大号召力,会对目前的NFC支付产生很大的推动作用。   相比二维码支付,NFC支付在没有网络的情况下也可以使用,这点与支付宝和微信相比,更加方便快捷。但是相对应的是NFC也需要硬件以及各方的支持,而二维码支付则无需这方面的考虑,双方可谓各有优势。   在模式上,支付宝和微信支付避开了收单方、卡组织和发卡行这三个组织,并且在支付宝和微信支付里,用户可以充值,个人账户里会有余额,对银行也会造成一定的影响。而Apple Pay的整个支付过程,仍是基于发卡银行、卡组织、收单机构等组成的传统支付体系,其更多的是一个介质或者工具。   微智全景公司CEO李岩认为,Apple在支付业务模式的设计上,可以说采取了尊重现有体系,不与传统银行以及发卡组织为敌的合作模式。不需要用户另外开设账户,不对用户的资金进行归集和清算,而是通过与用户现有的银行卡绑定,直接使用现存的支付与清算体系。这与支付宝、微信支付(财富通)为用户开立第三方支付账户,归集资金并进行清算的模式是完全不同的。可以说对于传统的银行和卡组织是天然无公害的,更加符合原有金融体系的各方利益。   不过,Apple Pay目前的使用场景还主要是在商户现场进行近场支付。移动支付中的很多场景,如手机购物时线上支付、手机转账、移动缴费、社交红包等都无法覆盖,同时,此前微信和支付宝利用红包、线下补贴等方式,已经占据了很大的市场空间,Apple Pay等NFC支付最终到底能占领多大市场空间还有待观察。 进入【新浪财经股吧】讨论相关的主题文章: