Scan The QR Code For Department Store Shopping To Pay For The Bank Acquiring Business Or Be "Distributed"

The reporter experienced the "legendary" WeChat payment function at the cashier of Wangfujing Department Store on Wusi Road. The cashier said that WeChat payment is actually very simple. Customers only need to scan the QR code automatically generated on the cash register with their mobile phones, and then they can enter the password to complete the payment.

Miss Lin, the consumer who came to pay the bill, was about to take out her wallet. Under the guidance of the cashier, she immediately tried WeChat payment with her mobile phone. Provide the bill issued by the counter to the cashier, and after entering it into the system, a two-dimensional code will appear on the computer. It takes less than 2 minutes from scanning the QR code to successful payment. "It's very novel and convenient, and the payment speed is very fast. It should greatly shorten the queue time during peak hours," said Miss Lin.

According to a manager of the department store, the WeChat payment system was officially launched in Fuzhou in mid August this year after being piloted in Beijing in March this year

The manager also said that on the basis of WeChat payment, the future development trend is likely to set a QR code in each store of the department store, and you can directly purchase by scanning the QR code. "If this form becomes popular, some of the cash registers in the department store may be reduced. Some of the customers' payment methods will be diverted to mobile payment channels, and the remaining cash registers will be used to meet the needs of other age groups and consumer groups." This also means that the number of customers using traditional payment methods such as cash or swiping cards may be greatly reduced in the future.

In addition to the above Department Store In addition, the reporter of Southeast Express also learned that there are other department stores or merchants in Fuzhou that are planning to implement mobile payment in order to bring customers a better consumption experience.

Mr. Wu, a person in charge of a commercial bank in Fuzhou, believes that Internet finance has been in the traditional business field of "food sharing" banks from online to offline. Take the business of merchant card swiping as an example. When a merchant provides a card swiping service, it needs to pay a certain service fee to the acquiring bank. The rate varies according to the industry. After the bank has laid a POS machine and completed the receipt and maintenance work, it can basically "sit and wait" for the income from the service charge. When the third-party payment platform goes offline, some of this income may be diverted.

　　“ Service Charge Secondly, banks pay more attention to the fact that these offline merchants settle accounts in their own banks, or develop into savings and loan customers. " Mr. Wu told the Southeast Express that when mobile payment develops to a certain extent, merchants' demand for POS machines will decrease, which may reduce the "stickiness" of banks, thus affecting the stability of bank customer groups. "At this stage, we can't say how much impact it has actually received, but this trend is worthy of bank vigilance."

face Third party payment With the attack of the platform, the bank has a sense of crisis. "Traditional banks should vigorously develop payment means represented by NFC." Ms. Shen, who has been engaged in the banking industry for many years, said, "Now Internet finance and NFC near field payment business are all in a fast track. It still takes time for consumers to change their payment habits, and banks should speed up their pace of innovation."

In view of this, the reporter of Southeast Express also learned from people in the banyan banking industry that banks have cooperated with mobile phone manufacturers to launch customized models with built-in "mobile wallet" applications, which directly complete the payment process through mobile phones using NFC technology. "NFC near field payment is to transfer the money in the bank account to the mobile phone. The mobile phone is like a change purse, which can be paid with a flick."