Commercial Prepaid Card Pformation Fleeing Grey Area

< p > reporter recently found that commercial prepaid card issuing agencies have been pformed into personal markets through contacts, self built mall and joint card.

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< p > < strong > turn to < a href= "http://www.91se91.com/news/index_c.asp > > Internet payment > /a > /strong > /p >

< p > "prepaid personal market will be the blue ocean in the future. Internet payment will be the next focus of the company."

Zheng Junhao, chairman of Yufu group, a national prepaid card issuing and accepting license, has said.

As of March this year, the central bank issued the Beijing area has obtained the license payment institution publicity list, the reporter statistics found that more than 40 enterprises that have obtained the business license have more than 20 Internet payment business, and the proportion of paying net touches is nearly 50%.

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The official mall bulletin page of < p > Hua Rui card shows that last July 15th, Jingdong mall became a cooperative business partner of the company.

With the entry of Jingdong, Hua Rui card said that the electricity supplier of Huarui card will be fully deployed.

3 months later, Rui Tong card began to join the electricity supplier payment platform.

Rui Tong card said that the new card can be paid online and offline, while the old card only supports offline payment.

If customers need to open online payment, they can pay 10 yuan for the card fee.

At present, Ruitong card has been cooperating with 27 household electrical appliances such as COFCO, buy net, Jin Xiang net and wine American network. Chi Hui card has joined hands with Tmall, Jingdong, new egg net, vip.com and other 39 household appliance business platforms. It has also launched cross-border payment business, which has centralized payment and collection business for international trade organizations and individuals for cargo trade, education and other aspects. Gao Hui Tong has worked with Fifth Avenue luxury goods network, and has launched micro payment card to support mobile phone two dimensional code scanning consumption of many KTV, stomatological hospital and chafing dish shop.

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< p > despite the surging rush of online payment based on online payment, the head of a large card issuing authority in Beijing said frankly that this part of the business is not easy to do.

The official disclosed that the card issuer had been in touch with the Internet for many years, but the performance of the online payment business of the commercial prepaid card was general.

"The commercial prepaid card market is mainly online, and the online part is relatively limited. At present, many large electricity providers are building their own prepaid card system, and they are unwilling to have too much cooperation with the third party card issuing agencies."

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< p > < strong > explore self built mall > /strong > /p >

In addition to "P", "a href=" "http://www.91se91.com/news/index_c.asp" > payment business < /a > select the net. At present, the three party card agencies, such as the credit card, Yufu and China Unicom, have also opened up an independent online business city.

In the online shopping mall of Zi he Shun department store, reporters browse to see that there are eight major commodities in the official mall, such as photographic equipment, IT digital and household appliances.

However, reporters clicked dozens of products displayed on the front page, and found that these products had received hundreds of hits, but the product reviews were all zero.

Trading volume has not been clearly marked.

The Unicom center is more green. The main products are Jingdong gift cards, fuel cards, mobile phone recharge, Shun Feng optimization and electronic fuel vouchers.

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Compared with P, Yu Fu's Yufu mall is relatively mature.

The online mall is close to the mature B2C website in terms of classification and display, but it lacks the important user reviews project of the e-commerce website.

Although there is still a gap from the mainstream e-commerce platform, Zheng Junhao has said that Yu Fu paid the license in addition to the issuance and acceptance of prepaid cards, as well as Internet payment services, which mainly serve their online shopping mall Yufu online.

Zheng Junhao hopes to connect internet payment to more shopping centers in the future, and even replace the status of prepaid cards in Yufu's total revenue.

"The amount of online payment is very large. We are also actively exploring wider cooperation between the third party payment and foreign exchange, foreign trade, B2B and B2C."

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< p > however, in the industry view, online business is divided by Ali, Jingdong and other electricity supplier websites. For the third party card issuing agencies, the self built mall is a way out, but because there is no market opportunity and lack of mature management and operation experience, it is hard to turn the tide in this field.

At the same time, the operation of the independent mall will consume a lot of money, and the third party card issuing agencies will not do their own "money smashing" business, so this will not become the mainstream of future pformation.

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< p > < strong > enterprises push a href= "http://www.91se91.com/news/index_c.asp" > joint name card < /a > /strong > /p >

< p > now the tightening of policies and the suppression of "three public" consumption have accelerated the commercial prepaid card to close to the community business and personal business.

Reporter survey found that cooperation with enterprises to push the joint name card to become the third party card issuers face the window of individual consumers.

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< p > in the official official page of Zi he, the star loyalty card promotion advertisement jointly launched by Starbucks and electronic Trust Co. Ltd. was launched.

Star gift card is mainly used for welfare, promotion gifts and integral feedback.

However, reporters visited the Starbucks store in Sanlitun, and found that although the store has maintained a high volume of traffic, there are not many consumers who are buying and buying star line cards in the queue for coffee.

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< p > the head of a large card issuing authority says that the pformation of the card industry is too difficult for the card issuing agency to downplay the "grey" impression of consumers or enterprises on commercial prepaid cards.

"Since last year, the number of customers buying units has been zero, and the main markets in the past are now completely gone."

If card issuers do not actively turn their business towards individual consumers, the market will be even more bleak in the future.

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