How to evaluate whether China UnionPay Express can surpass Alipay?

First of all, let's popularize the background of China UnionPay Express. China UnionPay Express is a payment software jointly launched by China UnionPay and major banks, formerly known as UnionPay wallet. At the end of 20 17, China unionpay express was officially launched, aiming to gain a place in the fiery field of mobile payment. Especially in the second half of 20 18, the activities of China unionpay express were very strong, and a penny was paid for, and public transportation was carried out in major cities and even counties, which gained many users. At present, the number of users exceeds1200 million.

As far as the current situation is concerned, it is almost impossible for China UnionPay Express to replace Alipay. The main reasons are as follows:

1. At present, there are too few application scenarios for China UnionPay Express, which may be because offline promotion is not good enough. The payment code of China UnionPay Express is almost invisible in small shops. Although the activity of sweeping UnionPay logo to receive red envelopes was held, the red envelopes that were swept out could not be consumed offline, but only charged, which was far from the Alipay receipt code of the aunt who sold vegetables at the entrance of the vegetable market.

2. The user viscosity is too small. Many people use China UnionPay Express to get a discount. Once there is no activity, they rarely open the app. Alipay has at least a powerful Taobao. As long as you buy things in Taobao, you can't do without Alipay.

3. China UnionPay Express has no credit loans such as flowers and loans. Nowadays, young people's ideas and consumption concepts are relatively advanced, so flowers and borrowings are very attractive to young people, and young people are the main force leading the trend.

4. The affinity of China UnionPay Express is not enough, which makes people feel that it is a payment software, but there are various applications in Alipay to kill people's time, which greatly improves the frequency of opening Alipay.

5. After-sales service is not as good as Alipay. Calling Alipay customer service can solve the problem immediately, but contact China UnionPay Express customer service, register first, and it will take 3-5 working days for someone to feedback the results. I want to promote China UnionPay Express for one month, and now I submit my salary qualification review. Not many people have patience.

However, China UnionPay Express also has many functions that are easier to use than Alipay. You can check the balance of the bank card. As long as the bank card is bound to China UnionPay Express, you can check the balance at any time. Inter-bank transfer is free, real-time payment is also acceptable, and credit cards are free. These functions are still very affordable for ordinary consumers.

With the development of science and technology, whether it can be replaced in the future depends not only on the choice of market, but also on the policy intervention of the government. After all, China UnionPay Express is the son of UnionPay. What is behind UnionPay?

At present, it is difficult for China UnionPay Express to replace Alipay. There are several factors: 1, user's preference. 2, the penetration rate of the payment field, Alipay has zero boundaries and no dead ends. 3. Convenient and humanized, Alipay has always kept a low profile. From the perspective of the people, it is convenient for users, does not care that the poor love the rich, and does not bully customers. I tried all other payments when I paid, but when it was about to expire, Alipay was in an emergency and completed the payment. What choice do I have? Alipay treats you as a relative, and other payments treat you as a thief; Alipay helps you solve the problem, and others are stumped: Alipay takes risks with you, and others only care about profits, regardless of risks, whether you live or die, which is a typical non-stick pot.

China UnionPay Express is the national team, the national team of mobile payment, not to replace Alipay or WeChat payment.

I must take out a chestnut to tell you why there is a national team.

China Post, which you were familiar with in your early years, is actually not so popular now. Express delivery systems include SF Express, Four Links and One Arrival, and even now JD.COM has joined. So does China Post still exist?

This will always exist. No matter what business it is, the state will support China Post to survive. This is a state-owned institution.

A few years ago, a friend wanted to express Apple's mobile phone to Tibet, but he found all the express companies, including SF Express, and could not express it. At that time, the packaging of the express plane stipulated that batteries could not be put in the mobile phone. Otherwise, it can only be transported by car.

Then the question is, which company can pull the express parcel to Tibet by car? Only China Post.

China Post, a huge network, has set up countless small spaces on the land of China, which has almost been achieved. As long as there are people in China, letters can be delivered. Just being able to do this has taken the country decades and countless people's youth.

Later express delivery, express delivery, etc. They are all affiliated to a department, or a piece of it, or it may be developed by a postal network. Postal service is a national team and does not compete with the people for profit, so all kinds of post-production express delivery come out to make money.

Companies driven by profits must earn money to develop and survive. The most remote mountain village, it is estimated that neither SF nor Sitong can reach it, because there is no money to maintain that corner.

There is a saying in the express delivery industry: "Jiangsu, Zhejiang and Shanghai packages." Because the transportation here is convenient and the passenger flow is huge, you can earn money by postage. There is another sentence: "Xinjiang, Tibet express fee is calculated separately." This is because the traffic is small and it does not make money.

What should I do if I don't make money, but the people need it? And the national team, China Post.

What if there is a world war, those non-state-controlled express delivery companies are destroyed by the war, or they are not trustworthy? There are also the national team and China Post. This national team will send home letters to the soldiers in the frontier, regardless of whether they earn money or not.

So, mobile payment national team, China UnionPay Express? I haven't contacted China UnionPay for a long time. I use one of the transfer functions, and there is no charge for crossing banks and provinces. In addition, introducing a friend to China UnionPay Express can also get a red envelope of eight yuan.

However, friends say that the transfer function is really easy to use, and it only takes one second to cross banks and provinces, and there is no charge, but there are too few places available in reality now. I also noticed that there is no large-scale development of toll terminals under the China UnionPay Express Line.

What's going on here?

Combined with one thing, when China UnionPay Express launched free transfer, Alipay and WeChat payment were both proposed at the same time, and the transfer was charged. There is really not much money, so these two companies have also been madly sprayed on the Internet.

It was at this time that China UnionPay Express gained huge users, even though these users only used it to transfer money and pay? Not necessarily.

At this time, China UnionPay Express still did not do its best to develop offline terminals, but only caught some unprofitable users. Why?

When we came back, the first three words we saw were "national team".

The state does not compete with the people for profit. However, if the two giants, Alipay and WeChat Pay, which are not controlled by the state, are destroyed or paralyzed in other places or wars at the same time, China people who are used to mobile payment may be paralyzed financially.

Don't panic, the national team is still there. It's not needed at ordinary times, but you put it in your mobile phone for the convenience of transferring money. Take it out and use it, just like Alipay and WeChat payment. Offline terminals are blooming everywhere immediately, and they are only used at this time. They nest, the staff of various bank outlets, send terminals very fast.

Therefore, China UnionPay Express, the national team, does not have to compete with the two giants at all, and competition is not rare. The two giants also consciously put the national team into the arena and offered to charge for their own transfer to help China UnionPay Express accumulate users. I have to say that Alipay and WeChat payment are very interesting.

This is not a simple replacement problem, but a high-end problem based on the scope of national security.

Finally, I use a paragraph to explain why there is China UnionPay Express. This passage has been used as a metaphor for China's army.

: "Why do we have China UnionPay Express National Team?"

Have you ever crossed this bridge? Have you climbed over the railing? "

I left, but there was no handrail. I don't need help. I walked very steadily. "

: "If there is no railing, do you dare to go?"

: "... to be honest, I dare not leave ..."

China UnionPay Express has made its grand debut for some time and wants to share a piece of the mobile payment market. But the effect is not ideal. But can China UnionPay Express surpass Alipay? It's hard to say according to the present situation, but I believe this day will come sooner or later! Not to mention China UnionPay Express, even WeChat payment may surpass Alipay in time!

Why do you say this day will come sooner or later? As a sharp weapon of the country, finance is controlled by a private enterprise (with foreign investment background). Is it possible? From the opening of the balance treasure limit to the current limit of purchase restriction and dynamic code payment, and from June, banks will close third-party payment channels, saying that it is to strengthen supervision and prevent risks. I believe anyone with a discerning eye can see its true purpose!

In addition, China UnionPay Express itself has inherent advantages, and there are two big trees, Yangma and UnionPay. It can be said that it is a good hand, which shows the wisdom of the cardholder. Beating Alipay is a matter of minutes (even A4 paper is not needed). But then again, if we compete freely and fairly according to market rules, Alipay really has no rivals!

I think it is almost impossible for China UnionPay Express to surpass Alipay. Alipay has a huge number of users, and China UnionPay Express is a new thing that needs to be developed slowly.

UnionPay China UnionPay Express is a new brand of UnionPay mobile payment, including various mobile payment products jointly developed with banks, domestic and foreign mobile phone manufacturers, communication operators and other partners. It adopts NFC, HCE, TSM, Token and other technologies, which can realize off-line contactless payment for mobile devices such as mobile phones, and also support remote online payment.

China UnionPay and more than 20 commercial banks jointly issued the China UnionPay Express Pass in Beijing. You can also experience UnionPay China UnionPay Express and enjoy the exclusive benefits of UnionPay in tens of thousands of physical stores of national chain stores and well-known businesses such as McDonald's, IKEA, the whole family and Haagen-Dazs. It also supports most domestic mobile phone brands such as Xiaomi, Huawei and ZTE. China UnionPay and Apple announced the cooperation in launching Apple Pay.

The advantages of China UnionPay Express were introduced by UnionPay, which is a part of state institutions and has certain compulsion. Its payment does not need a network, and it is "one-stop payment". Only the virtual card information is stored in the mobile phone, and the original account information will not be revealed; The key data of virtual card is encrypted dynamically, so the information is not easy to be stolen; The transaction limit setting and password protection ensure the security of the account and greatly improve the safety factor.

Alipay is an independent third-party platform. At first, it mainly aimed at the credit problem of Taobao online shopping, solved the needs of online shopping users, and launched the "secured transaction" model, which allowed buyers to pay the seller after confirming their satisfaction with the purchased goods, thus reducing the transaction risk of online shopping.

Now Alipay includes credit, wealth management, insurance, credit, marketing and other services. From the perspective of application scenarios, there has been an initial online payment, and it has developed into offline payment, and life cannot be separated from Alipay. We use the bus, parking in the parking lot and so on. Recently, Ali bought Hungry, and it also occupied a certain share in the takeaway market. At the same time, it also began to compete for new retail areas. It is predicted that Alipay may continue to make steady progress in market share in 20 18 years.

Therefore, China UnionPay Express wants to unite as one, and Alipay is already a behemoth!

As a banker, say something.

China unionpay express, formerly known as unionpay wallet, is a product of unionpay, with pure official pedigree. Now some online and offline payment scenarios have been launched, but they are still a bit tall. The application scenario is not as grounded as Alipay.

Alipay, relying on Taobao and Tmall's huge shopping crowd, is growing day by day. At the earliest, it was to manage the idle funds of shoppers, which could be used at any time when shopping, and there was also income when not shopping, so Yu 'ebao was launched. Now, it is developing larger and richer wealth management products, borrowing money for consumption and cultivating a huge customer base.

Alipay has a larger customer base, involving all levels of society. There are also many application scenarios, from street vendors to uncles and aunts. Obviously, there are more payment scenarios and more users.

China UnionPay Express has a high style. Most of the scenes I use are to open the APP to see if there are any discounts. Drive less the rest of the time. And this seems to be the fatal point of China UnionPay Express.

Now UnionPay is vigorously developing China UnionPay Express. Do not rule out the influence of policies.

In the short term, I feel that I can't replace Alipay, and at most it will develop into a three-legged situation of WeChat, Alipay and China UnionPay Express.

China unionpay express related information: AliPay related information:

The comparative conclusions are as follows:

From the above analysis, Alipay is still a private enterprise with a different background from China UnionPay Express. China UnionPay Express grew up with a golden key, and its existence will certainly bring convenience to our users. Alipay has been deeply rooted in the hearts of the people, and the current situation is very embarrassing. As long as Alipay is reasonable and legal, it will not be surpassed by China UnionPay Express in a short time.

Do you like China UnionPay Express or Alipay? Hurry and participate in the following interaction!

It is really easy to pay by cloud, but it is a bit difficult to surpass Alipay, but it is not impossible. Let's wait and see.

In my opinion, the China UnionPay Express Service launched by China UnionPay cannot replace Alipay.

After all, China UnionPay Express has only been online for two years since February 17+ 1 1. Although China UnionPay Express is supported by China UnionPay, it is obviously almost different from Alipay in all aspects. It is really difficult to surpass Alipay in a short time.

Today, I will explain why cloud payment cannot replace Alipay, mainly for the following reasons.

I. Introduction of China UnionPay Express Pass

Second, China UnionPay Express APP has too few functions.

China UnionPay Express APP has few functions. After opening it, I found it is a professional payment software. There are no other useful and interesting functions. For example, Alipay has many functions, such as take-away, ticket purchase, phone bill, taxi, shopping, second-hand, handling car violations and so on. There are many practical functions and musical functions. So multifunctional, naturally it will be opened frequently every day.

Third, China UnionPay Express has few application scenarios.

China UnionPay Express has few application scenarios, which may be related to the initial stage. The promotion is not strong enough, and there are few merchants and people. For example, in real-life stores, you rarely see the collection equipment and QR code of China UnionPay Express. Although China UnionPay Express is also making various promotional red envelopes, offline merchants rarely use them, so these red envelopes are not used.

4. China UnionPay Express has no credit loan products.

For example, Alipay has a series of credit products such as flower buds, loan buds and petty cash. Every Alipay user will be familiar with these products and should like them very much, because they can be bought first and then returned, and the longest interest-free period can reach 40 days, which really brings convenience to our lives. China UnionPay Express APP is empty and there is no such credit product.

Fifth, user stickiness is too small.

Because China UnionPay Express is a professional payment APP, its main function is mobile payment, so there are no more fun functions in the APP, except when users use it to pay, they are closed at other times, so users are less sticky. Like AliPay, it's different. There are many functions in it, which are basically used every day. If you open the APP several times a day, the stickiness will naturally be much higher.

But China UnionPay Express still has many advantages.

From the comparison of the above aspects, it is found that China UnionPay Express is indeed much worse than Alipay. It may be that it has just entered the market and has not been widely promoted. In short, not many people use it, but China UnionPay Express still has many useful places.

For example, you can check the balance of bank cards, and you can check the balance at any time by binding all the bank cards under your name in the APP, which is very convenient; Inter-bank transfer is free, and it is also received in real time; Paying back the credit card is free, which is quite good compared with Alipay.

Summary: China UnionPay Express is a new payment product after all. It is still quite difficult to temporarily replace the old Alipay. Relying on Ali, Alipay has a huge user base of hundreds of millions, which has an absolute advantage in real life and online shopping. However, with the development of society and the unusual background of China UnionPay Express, it is possible to surpass Alipay as long as it develops slowly.

UnionPay's "China UnionPay Express" is a unified brand created by UnionPay for the mobile Internet and a new brand of UnionPay mobile payment. Its products adopt NFC, HCE, QR code and other technologies, which can realize online and offline payment of mobile devices such as mobile phones in the scene with UnionPay "Express" logo, and also support remote online payment.

China UnionPay Express series products adopt cloud computing technology, and the generation, verification and transaction monitoring of key information of bank cards are all completed in the cloud. "China UnionPay Express" combines the characteristics of scientific and technological intelligence and seamless connection, which is convenient and safe, covering every corner of our lives and will make our payment methods more intelligent, efficient and smooth.

"China UnionPay Express" includes all kinds of mobile payment products jointly developed with banks, domestic and foreign mobile phone manufacturers, communication operators and other partners. China UnionPay Express products include UnionPay China UnionPay Express HCE (Android users), UnionPay China UnionPay Express Applepay (Apple users), UnionPay China UnionPay Express SamsungPay (Samsung users), UnionPay China UnionPay Express HUAWEI Pay (Huawei users), UnionPay China UnionPay Express Xiaomi Pay (Xiaomi users), UnionPay wallets and so on.

Then, for our users, should we choose "China UnionPay Express"? Or choose Alipay? For myself, consumption habits have been formed. Even though "China UnionPay Express" looks promising now, our habit of using Alipay has been formed, so how to persuade users to use it is the biggest dilemma of China UnionPay Express at present. On the other hand, the development of Alipay software is very mature, and it has involved all aspects of our daily life. After all, China UnionPay Express has just entered the market, and its technology is still relatively lower than that of Alipay. As far as familiarity is concerned, I still tend to use Alipay.