online payment platforms

Let's take a look at the advantages first:

1. Through the company's own APP, some discounts can online payment platforms be provided to consumers to improve the satisfaction of student users. However, my country's third-party mobile payment service platforms such as Alipay and WeChat Pay often launch red envelope subsidies.

2. It is conducive to online and offline communication, allowing users to choose goods from physical stores at home.

disadvantage

1. Limited usage scenarios and limited user expansion. The self-owned mobile payment platform launched by the brick-and-mortar retail bank can only be used in the brick-and-mortar stores of the merchant's super self-owned brand, and cannot be used in various scenarios such as Alipay and WeChat.

2. Consumers prefer to use third-party payment platforms. This year, for example, research firm auriemma found that Walmart customers who use Apple Pay and mobile payment preferences are twice as likely to choose Apple Pay as using Walmart Pay. In China, instead of launching Walmart Pay, Walmart Pay cooperates with other third-party payment institutions (excluding Apple Pay), which is a concession to the habits of Walmart users.

3. At present, only scan code payment is launched, and NFC payment is not supported. In Europe and the United States, most users are used to paying by card, and the implementation of scan code payment may be hindered.

4. The cost of establishing its own mobile payment platform in the mainland is relatively high, and companies involved in fund settlement and sensitive information acquisition need to obtain a payment license.

The main purpose of physical retail companies launching mobile payment platforms is to resist the monopoly of third-party payment platforms. However, the current mobile payment market has formed a duopoly pattern of Alipay and WeChat Pay, and brick-and-mortar retailers can only fight against third-party payment platforms through value-added services. But it's hard to break third-party payment platforms.

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