Alipay WeChat's opponent is not digital RMB? The new giant announced its entry. What's the point?

Text | Intelligent Minority Proofreading | Qi Yue Ye Zi

With the rapid development of Internet, mobile payment in China has been widely popularized. According to a survey report of China UnionPay, by 2020, the number of mobile payment users in China has exceeded 800 million, and each person uses mobile payment three times a day on average, among which 98% of the respondents regard mobile payment as the most commonly used payment method.

At present, the competition pattern of domestic mobile payment has been formed. With their respective advantages, Alipay and WeChat seized the offline market through QR code payment and won the first place in the mobile payment industry. According to the data released by the third party, Alipay has won 55% of the mobile payment market in China, ranking first, while Tencent Tenpay has reached 39%, accounting for 94% of the market.

Under the siege of Alipay and WeChat, it is difficult for other payment institutions to share a piece of it. However, this has not stopped banks and other internet technology companies from marching into mobile payment. At present, China UnionPay Express, UnionPay Payment, One Wallet and Jingdong Payment occupy a large market share. In recent years, Pinduoduo, Aauto Quicker, Ctrip, Netease and other companies have also obtained payment licenses in recent years. However, the existence of these giants is very low, and they cannot shake the pattern of Alipay and WeChat.

Nowadays, with the gradual advancement of digital RMB, many people are also wondering: Can the popularity of digital RMB threaten the status of Alipay and WeChat? Will it replace Alipay and WeChat and become a new monopoly? Just when everyone was wondering, the central bank officially stated: "Digital RMB is the real currency and legal tender, and Alipay and WeChat are third-party payment tools. They are not in one dimension at all, so naturally there is no question of whether they will be replaced. In the future, digital RMB will coexist with Alipay and WeChat payment! "

Recently, Huawei's "new player" has been added to the mobile payment industry. According to public information, the industrial and commercial information of Shenzhen Xunlian Zhifu Company changed. After the original shareholder withdrew, Huawei Technologies Co., Ltd. was added as a shareholder with a shareholding ratio of 100%. In other words, Huawei obtained a payment license through acquisition and officially announced its entry into the payment industry, becoming the second mobile phone manufacturer with a payment license after Xiaomi.

It is worth mentioning that, like refusing to build a car, Huawei also said that it would not apply for a license. In 20 16, Su Jie, then president of Huawei's cloud service department, repeatedly said: "Enterprises should have their own border awareness, and payment is not a good business for Huawei." But today, four years later, Huawei still has its own payment license. It can be seen that the "fat" of mobile payment is really fragrant.

So, why are giants keen on mobile payment? Because mobile payment has become a trend, if there is no payment license, it is necessary to use other payment channels and pay a high service fee, which makes it difficult to form a capital flow; However, once paid, traffic and funds can flow in their own channels, enhance user stickiness and realize ecological closed loop, thus replacing Alipay and WeChat and dividing up the market share of mobile payment.

For Huawei, the advantages of incoming mobile payment are also obvious, mainly in two aspects: First, Huawei is the largest smartphone manufacturer in China, with a user base of over 200 million and high user loyalty. Once mobile payment is promoted, it will surely gain the support of many fans; Second, Huawei has strong scientific and technological strength and strong research ability. Huawei has made a fortune by hardware, so it has great advantages in hardware.

In fact, Huawei has already entered the field of mobile payment. As early as 2065438+August 2006, Huawei launched Huawei Pay in conjunction with UnionPay, and then launched Touch. Unlike Alipay and WeChat, "Touch" does not need to open the corresponding APP or scan the code. As long as you put your phone near the "Touch" label, the payment interface will appear, and then you can enter the password to realize the payment.

However, Huawei's entry into the mobile payment field will have a certain impact on the market share of Alipay WeChat, but it is still very difficult to shake the status of Alipay and WeChat. After all, Alipay WeChat has inherent advantages, Alipay has Taobao support, WeChat has a huge social user base, and users' usage habits have also been developed. But in any case, Huawei's official entry also means that Alipay and WeChat have ushered in a new opponent.

Are you optimistic about Huawei's entry into the mobile payment field?