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id="skw4iyo" class=line></div> <div class="skw4iyo" id=artical_real> <p>支付寶、微信支付紛紛走進商場、超市、便利店等線下的日常消費場所，并且擅長“造節(jié)創(chuàng)日”的阿里規(guī)定每月28日為“支付寶日”，自5月28日起，每逢“支付寶日”消費者在全國20多個城市的物美、家樂福等超市便利店購物時，用支付寶付款就可享受8折“支付寶價”，超市單筆最高減10元，便利店單筆最高減5元。另外5月29日步2014年9月蘋果Apple pay的后塵，谷歌在I/O開發(fā)者大會上推出了其新的支付系統(tǒng)Android Pay。</p> <p>我們可以看出各位大佬們在移動支付市場的跑馬圈地已經(jīng)開始，就目前來看，爭奪移動支付市場的主體可以分為三類，分別為原有互聯(lián)網(wǎng)支付平臺、移動終端設(shè)備廠商以及銀行等傳統(tǒng)的金融機構(gòu)。在移動支付市場上，三類競爭主體處于一種競合關(guān)系中，“合久必分分久必合”未來移動支付市場可能三分天下。</p> <p>互聯(lián)網(wǎng)支付平臺移動支付競爭方興未艾</p> <p>互聯(lián)網(wǎng)支付平臺最具代表性的是支付寶和微信支付，支付寶利用其原有用戶資源通過各種類似手機支付寶轉(zhuǎn)賬零手續(xù)費等的優(yōu)惠策略，將用戶使用支付寶的習慣從互聯(lián)網(wǎng)向手機轉(zhuǎn)移，培養(yǎng)用戶的手機支付習慣;微信支付通過微信紅包的狂轟亂炸，及后續(xù)與滴滴等的合作，提高微信支付的使用率普及率。現(xiàn)在支付寶、微信通過掃碼支付等方式開展超市、便利店等線下用戶爭奪拉鋸戰(zhàn)，通過對線下場景推廣，獲得更多的用戶和入口。目前去各大超市都可以見到支付寶、微信支付的掃碼支付的宣傳優(yōu)惠，移動支付領(lǐng)域行業(yè)大佬的燒錢大戰(zhàn)似乎即將拉開帷幕。</p> <p>移動終端設(shè)備廠商布局加快</p> <p>移動互聯(lián)網(wǎng)時代，移動終端設(shè)備扮演著重要的角色，移動終端設(shè)備廠商必然不會輕易放掉移動支付這杯羹。2014年9月蘋果的移動支付系統(tǒng)Apple pay亮相，5月29日谷歌推出其新的支付系統(tǒng)Android Pay，試圖與蘋果Apple pay抗衡，雖然前有Google Wallet進軍移動支付，在Apple pay推出后，光彩不在，而新推出的Android Pay也因跟Apple pay高度相似，將Apple pay再度推向人們的視野。</p> <p>不管Android Pay還是Apple pay，使用者在手機上儲存信用卡資訊，無論在實體商店或線上購物，都能簡單地透過指紋辨識感應器，一鍵付費。線上購物透過店家 App 整合 API，而實體商店則是透過 NFC 技術(shù)。在開發(fā)者大會會后谷歌廣告和商貿(mào)主席 Sridhar Ramaswamy展示公司正在研發(fā)另一種移動支付服務(wù)：Hands Free，他表示：“我們不斷問自己，能否創(chuàng)建不需要把手機拿出來的移動支付”，移動支付的布局正在通過手機展開。</p> <p>另外我們也可以看到手環(huán)等移動終端設(shè)備已經(jīng)開始與銀行等金融機構(gòu)合作來共同布局移動支付，未來可能推出自己的移動支付。</p> <p>銀行等傳統(tǒng)金融機構(gòu)進軍移動支付多借力移動終端設(shè)備</p> <p>5月27日，興業(yè)銀行攜手中國銀聯(lián)和咕咚公司在上海舉行新聞發(fā)布會，宣布推出為廣大運動愛好者量身定制的興業(yè)銀行“興動力”信用卡。該信用卡具有兩大突出亮點，一是將配套國內(nèi)首款可穿戴移動支付產(chǎn)品—帶有支付功能的手環(huán)，打破傳統(tǒng)信用卡的卡片介質(zhì)與刷卡支付模式;二是首創(chuàng)運動卡路里兌換信用卡積分權(quán)益。</p> <p>據(jù)興業(yè)銀行成都分行工作人員介紹，“興動力”信用卡是興業(yè)銀行推出“活力人生”信用卡品牌戰(zhàn)略后打造的首款專屬信用卡產(chǎn)品。</p> <p>興業(yè)銀行借力可穿戴設(shè)備布局移動支付的方式，為其他銀行及金融機構(gòu)布局移動支付提供了重要的借鑒意義，只是這種方式在可穿戴設(shè)備還未普及之前，相對于支付寶微信支付及Android Pay等以手機為主要介質(zhì)的布局，步伐可能會慢一些。</p> <p>不管是傳統(tǒng)的互聯(lián)網(wǎng)支付還是今天說的移動支付，安全性都要放在首位，移動支付戰(zhàn)略布局，可以這樣說，安全問題是搶占移動支付市場的關(guān)鍵，解決移動支付安全性問題的速度，將最終決定其移動支付市場圈地的速度。</p><p align="center"></p> </div> <div id="skw4iyo" class=clear></div> <div class="skw4iyo" id=artical_line></div> <div style="BACKGROUND: none transparent scroll repeat 0% 0%" class=relateNews> <H4>相關(guān)新聞：</H4> <div id="skw4iyo" class="xgwz"> <ul>無相關(guān)信息</ul> </div> </div> <div id="skw4iyo" class=clear></div> <div align=center></div> <div id="skw4iyo" class=space10></div> <div style="FONT-WEIGHT: bold" id=artical_sth2><SPAN style="FONT-WEIGHT: normal"> <div style="DISPLAY: inline; FLOAT: right" id=ckepop><A class=jiathis_button_tsina></A><A class=jiathis_button_tqq></A><A class=jiathis_button_tsohu></A><A class=jiathis_button_qzone></A></div> </SPAN>關(guān)鍵字： </div></div> <div class="skw4iyo" id=comment2> 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