September 10, 2014 morning, Apple released its Touch ID technology based on NFC and mobile payment tool --Apple Pay on its new conference, Apple Pay once available on its convenience, security and many other advantages to attract public concern.
In this regard, CCID Consulting Internet Research Center analyst gate length Hui said that at present, Apple has reached a cooperation with the United States, such as the three largest of VISA card issuers, six commercial banks, more than 22,000 retailers such as Macy's intentions. For the domestic market, the door long Hui believes that payments under the current domestic lines in two directions, one is CUP, operators, etc. to promote the NFC payment, and the other is Paypal, micro letter and other Internet companies launched the scan code, Sonic payments. Apple Pay If successful introduction of China, will have a greater impact on the existing domestic mobile payment pattern.
Impact CUP
Door Long Hui said in an interview that Apple is most likely to cooperate CUP. On the one hand, support for NFC-enabled CUP POS machines in the country holds the largest market share. On the other hand, the main push of the NFC CUP whole terminal solutions in the technical aspects of NFC seamlessly with Apple, a natural basis for cooperation. Barriers to cooperation between the two can not be ignored, such as POS machine transformation costs, revenue sharing and software systems docking, data transformation, standardization and so on.
He believes that the CUP, the cooperation with Apple is the trend, either take the opportunity to promote the "flash pay", but also able to use the power of Apple and third-party payment company PayPal to compete. "But to avoid payment of painstakingly crafted scenes become Apple do mobile payments ecology 'wedding dress'. In addition, the Consortium should strive to do the role of token service providers the right to speak in the distribution of benefits." Long Hui door supplement Road.
Impact on operators
Door Long Hui analysis, operators claimed the SWP-SIM NFC solutions, ESE programs and apple used has essentially different. Once the CUP and Apple reached a cooperation with Apple's high-end user base and good paying habits, all terminal solutions are likely to become the industry standard, operators are faced with the risk of marginalization and pipeline.
He also suggested that operators should be aware that the domestic market needs and NFC mobile phones, chip manufacturers and financial institutions for joint efforts, can only promote the prosperity of the entire industry. Operators should adopt an inclusive approach, the first use of the Apple brand domestic NFC payments market a piece of "cake" bigger, train users of NFC payment habits, can also be customized with Apple machines, contracts and other ways to promote their own mobile payment platform.
Impact on third-party payments
Under the third-party payment online payment is not dominant in the field than the CUP, Paypal payment and micro-channel sound waves swept yards payment has been tepid. Long Hui door to reporters that, compared to Apple Pay, under Paypal payment and micro-channel line presence need networking, you need to enter a password, and many other inconveniences, once Apple entered into a collaboration with the Consortium, the third-party payment companies will be more lines can not compete with the lower end of the CUP . In addition, Apple Pay also able to directly open up businesses and banks, bypassing third-party payment companies, the so-called "disintermediation." In this case, the CUP will take full advantage of Apple's brand and customer base has been paid to the layout of Alipay to suppress online, which the company will pay is not a small challenge to a third party.
For third-party payment companies, the gate length Hui proposal, one can look for possible opportunities for cooperation with Apple, docking their pay platform. On the other hand with the Android camp's mobile phone manufacturers (such as Samsung, millet) to cooperate in promoting R & D NFC-enabled smart phones, the layout of the lower line payment service, shake the dominance under the CUP online.
September 10, 2014 morning, Apple released its Touch ID technology based on NFC and mobile payment tool --Apple Pay on its new conference, Apple Pay once available on its convenience, security and many other advantages to attract public concern.
In this regard, CCID Consulting Internet Research Center analyst gate length Hui said that at present, Apple has reached a cooperation with the United States, such as the three largest of VISA card issuers, six commercial banks, more than 22,000 retailers such as Macy's intentions. For the domestic market, the door long Hui believes that payments under the current domestic lines in two directions, one is CUP, operators, etc. to promote the NFC payment, and the other is Paypal, micro letter and other Internet companies launched the scan code, Sonic payments. Apple Pay If successful introduction of China, will have a greater impact on the existing domestic mobile payment pattern.
Impact CUP
Door Long Hui said in an interview that Apple is most likely to cooperate CUP. On the one hand, support for NFC-enabled CUP POS machines in the country holds the largest market share. On the other hand, the main push of the NFC CUP whole terminal solutions in the technical aspects of NFC seamlessly with Apple, a natural basis for cooperation. Barriers to cooperation between the two can not be ignored, such as POS machine transformation costs, revenue sharing and software systems docking, data transformation, standardization and so on.
He believes that the CUP, the cooperation with Apple is the trend, either take the opportunity to promote the "flash pay", but also able to use the power of Apple and third-party payment company PayPal to compete. "But to avoid payment of painstakingly crafted scenes become Apple do mobile payments ecology 'wedding dress'. In addition, the Consortium should strive to do the role of token service providers the right to speak in the distribution of benefits." Long Hui door supplement Road.
Impact on operators
Door Long Hui analysis, operators claimed the SWP-SIM NFC solutions, ESE programs and apple used has essentially different. Once the CUP and Apple reached a cooperation with Apple's high-end user base and good paying habits, all terminal solutions are likely to become the industry standard, operators are faced with the risk of marginalization and pipeline.
He also suggested that operators should be aware that the domestic market needs and NFC mobile phones, chip manufacturers and financial institutions for joint efforts, can only promote the prosperity of the entire industry. Operators should adopt an inclusive approach, the first use of the Apple brand domestic NFC payments market a piece of "cake" bigger, train users of NFC payment habits, can also be customized with Apple machines, contracts and other ways to promote their own mobile payment platform.
Impact on third-party payments
Under the third-party payment online payment is not dominant in the field than the CUP, Paypal payment and micro-channel sound waves swept yards payment has been tepid. Long Hui door to reporters that, compared to Apple Pay, under Paypal payment and micro-channel line presence need networking, you need to enter a password, and many other inconveniences, once Apple entered into a collaboration with the Consortium, the third-party payment companies will be more lines can not compete with the lower end of the CUP . In addition, Apple Pay also able to directly open up businesses and banks, bypassing third-party payment companies, the so-called "disintermediation." In this case, the CUP will take full advantage of Apple's brand and customer base has been paid to the layout of Alipay to suppress online, which the company will pay is not a small challenge to a third party.
For third-party payment companies, the gate length Hui proposal, one can look for possible opportunities for cooperation with Apple, docking their pay platform. On the other hand with the Android camp's mobile phone manufacturers (such as Samsung, millet) to cooperate in promoting R & D NFC-enabled smart phones, the layout of the lower line payment service, shake the dominance under the CUP online.
