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點(diǎn)擊：<SPAN>次</SPAN><BR>來(lái)源：<SPAN>頭條網(wǎng)</SPAN> 作者：<SPAN></SPAN></P> <H5><span id="skw4iyo" class=cmt>條評(píng)論</SPAN><SPAN class=print title=打印><A onclick=javascript:print(); href="javascript:void(0);">打印</A></SPAN><span id="skw4iyo" class=forword title=收藏><A href="/e/member/fava/add/?classid=42&id=3028">收藏</A></SPAN></H5></div> <div id="skw4iyo" class=line></div> <div class="skw4iyo" id=artical_real> <p>支付寶、微信支付紛紛走進(jìn)商場(chǎng)、超市、便利店等線下的日常消費(fèi)場(chǎng)所，并且擅長(zhǎng)“造節(jié)創(chuàng)日”的阿里規(guī)定每月28日為“支付寶日”，自5月28日起，每逢“支付寶日”消費(fèi)者在全國(guó)20多個(gè)城市的物美、家樂(lè)福等超市便利店購(gòu)物時(shí)，用支付寶付款就可享受8折“支付寶價(jià)”，超市單筆最高減10元，便利店單筆最高減5元。另外5月29日步2014年9月蘋(píng)果Apple pay的后塵，谷歌在I/O開(kāi)發(fā)者大會(huì)上推出了其新的支付系統(tǒng)Android Pay。</p> <p>我們可以看出各位大佬們?cè)谝苿?dòng)支付市場(chǎng)的跑馬圈地已經(jīng)開(kāi)始，就目前來(lái)看，爭(zhēng)奪移動(dòng)支付市場(chǎng)的主體可以分為三類(lèi)，分別為原有互聯(lián)網(wǎng)支付平臺(tái)、移動(dòng)終端設(shè)備廠商以及銀行等傳統(tǒng)的金融機(jī)構(gòu)。在移動(dòng)支付市場(chǎng)上，三類(lèi)競(jìng)爭(zhēng)主體處于一種競(jìng)合關(guān)系中，“合久必分分久必合”未來(lái)移動(dòng)支付市場(chǎng)可能三分天下。</p> <p>互聯(lián)網(wǎng)支付平臺(tái)移動(dòng)支付競(jìng)爭(zhēng)方興未艾</p> <p>互聯(lián)網(wǎng)支付平臺(tái)最具代表性的是支付寶和微信支付，支付寶利用其原有用戶(hù)資源通過(guò)各種類(lèi)似手機(jī)支付寶轉(zhuǎn)賬零手續(xù)費(fèi)等的優(yōu)惠策略，將用戶(hù)使用支付寶的習(xí)慣從互聯(lián)網(wǎng)向手機(jī)轉(zhuǎn)移，培養(yǎng)用戶(hù)的手機(jī)支付習(xí)慣;微信支付通過(guò)微信紅包的狂轟亂炸，及后續(xù)與滴滴等的合作，提高微信支付的使用率普及率。現(xiàn)在支付寶、微信通過(guò)掃碼支付等方式開(kāi)展超市、便利店等線下用戶(hù)爭(zhēng)奪拉鋸戰(zhàn)，通過(guò)對(duì)線下場(chǎng)景推廣，獲得更多的用戶(hù)和入口。目前去各大超市都可以見(jiàn)到支付寶、微信支付的掃碼支付的宣傳優(yōu)惠，移動(dòng)支付領(lǐng)域行業(yè)大佬的燒錢(qián)大戰(zhàn)似乎即將拉開(kāi)帷幕。</p> <p>移動(dòng)終端設(shè)備廠商布局加快</p> <p>移動(dòng)互聯(lián)網(wǎng)時(shí)代，移動(dòng)終端設(shè)備扮演著重要的角色，移動(dòng)終端設(shè)備廠商必然不會(huì)輕易放掉移動(dòng)支付這杯羹。2014年9月蘋(píng)果的移動(dòng)支付系統(tǒng)Apple pay亮相，5月29日谷歌推出其新的支付系統(tǒng)Android Pay，試圖與蘋(píng)果Apple pay抗衡，雖然前有Google Wallet進(jìn)軍移動(dòng)支付，在Apple pay推出后，光彩不在，而新推出的Android Pay也因跟Apple pay高度相似，將Apple pay再度推向人們的視野。</p> <p>不管Android Pay還是Apple pay，使用者在手機(jī)上儲(chǔ)存信用卡資訊，無(wú)論在實(shí)體商店或線上購(gòu)物，都能簡(jiǎn)單地透過(guò)指紋辨識(shí)感應(yīng)器，一鍵付費(fèi)。線上購(gòu)物透過(guò)店家 App 整合 API，而實(shí)體商店則是透過(guò) NFC 技術(shù)。在開(kāi)發(fā)者大會(huì)會(huì)后谷歌廣告和商貿(mào)主席 Sridhar Ramaswamy展示公司正在研發(fā)另一種移動(dòng)支付服務(wù)：Hands Free，他表示：“我們不斷問(wèn)自己，能否創(chuàng)建不需要把手機(jī)拿出來(lái)的移動(dòng)支付”，移動(dòng)支付的布局正在通過(guò)手機(jī)展開(kāi)。</p> <p>另外我們也可以看到手環(huán)等移動(dòng)終端設(shè)備已經(jīng)開(kāi)始與銀行等金融機(jī)構(gòu)合作來(lái)共同布局移動(dòng)支付，未來(lái)可能推出自己的移動(dòng)支付。</p> <p>銀行等傳統(tǒng)金融機(jī)構(gòu)進(jìn)軍移動(dòng)支付多借力移動(dòng)終端設(shè)備</p> <p>5月27日，興業(yè)銀行攜手中國(guó)銀聯(lián)和咕咚公司在上海舉行新聞發(fā)布會(huì)，宣布推出為廣大運(yùn)動(dòng)愛(ài)好者量身定制的興業(yè)銀行“興動(dòng)力”信用卡。該信用卡具有兩大突出亮點(diǎn)，一是將配套國(guó)內(nèi)首款可穿戴移動(dòng)支付產(chǎn)品—帶有支付功能的手環(huán)，打破傳統(tǒng)信用卡的卡片介質(zhì)與刷卡支付模式;二是首創(chuàng)運(yùn)動(dòng)卡路里兌換信用卡積分權(quán)益。</p> <p>據(jù)興業(yè)銀行成都分行工作人員介紹，“興動(dòng)力”信用卡是興業(yè)銀行推出“活力人生”信用卡品牌戰(zhàn)略后打造的首款專(zhuān)屬信用卡產(chǎn)品。</p> <p>興業(yè)銀行借力可穿戴設(shè)備布局移動(dòng)支付的方式，為其他銀行及金融機(jī)構(gòu)布局移動(dòng)支付提供了重要的借鑒意義，只是這種方式在可穿戴設(shè)備還未普及之前，相對(duì)于支付寶微信支付及Android Pay等以手機(jī)為主要介質(zhì)的布局，步伐可能會(huì)慢一些。</p> <p>不管是傳統(tǒng)的互聯(lián)網(wǎng)支付還是今天說(shuō)的移動(dòng)支付，安全性都要放在首位，移動(dòng)支付戰(zhàn)略布局，可以這樣說(shuō)，安全問(wèn)題是搶占移動(dòng)支付市場(chǎng)的關(guān)鍵，解決移動(dòng)支付安全性問(wèn)題的速度，將最終決定其移動(dòng)支付市場(chǎng)圈地的速度。</p><p align="center"></p> </div> <div id="skw4iyo" class=clear></div> <div class="skw4iyo" id=artical_line></div> <div style="BACKGROUND: none transparent scroll repeat 0% 0%" class=relateNews> <H4>相關(guān)新聞：</H4> <div id="skw4iyo" class="xgwz"> 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