At the weekend, After starry sky jun finished drawing a PPT, it was already 1 a.m. Suddenly found that the WeChat Mini Program I was responsible for had an additional payment option: cloud flash payment.
Immediately grabbed the phone to call the code farmer, the architect said that this thing was released by Tencent itself, and we did not move.
What I'm worried about is not this feature, but the funding.
UnionPay's IT brother turned out to be online, and after a simple exchange, this part of the funds was received by Tenpay on behalf of the original WeChat merchant account.
So I left a message to the financial lady and asked her to pay attention to this part of the transaction data when reconciling.
The financial sister who just finished the end of the year has not yet slept, saying that after checking it, the money has arrived normally, and it seems that she can see her dark circles and thick eye cream across the screen.
In September 2021, Tencent and UnionPay announced that they would use cloud flash payment in WeChat Mini Programs, and demonstrated weChat Mini Programs for WeChat Reading and Luckin Coffee. In November, the feature was officially launched, but when it went online, it was turned off by default for customers.
In January 2022, based on the payment of WeChat Mini Program, Cloud Flash Pay was fully launched.
This is a milestone event.
From the user's point of view, there seems to be no special purpose, whether it is cloud flash payment, or WeChat payment, behind it is the bound bank card (which may be digital yuan in the future).
But from the perspective of the merchant, it is not the same, such as a café, and the cooperation of The China Merchants Bank to make an afternoon coffee, and the bank subsidizes part of it. If the customer wants to use this offer, then the merchant wants to enter the "Pocket Life" platform of CMB, and the customer needs to use CMB's APP.
If entrepreneurial businesses want to cooperate with various platforms on a large scale, it is a big cost to have the development investment of multiple platforms.
Now, only a WeChat Mini Program needs to be developed to theoretically achieve interoperability between major platforms (the specific cooperation model also needs to negotiate with UnionPay, banks, etc.).
Some people also believe that weChat Pay and Alipay support cloud flash payment in order to prevent monopoly and financial security. But Starry Sky Jun felt that this was only one aspect, not the most important aspect. Because WeChat Pay and Alipay have both accessed the central bank's network in 2017, every transaction can be regulated and there will be no financial risks. The anti-monopoly of the platform is of little significance, not that it is more convenient to split WeChat into several small WeChat.
The important thing should be to make the platform a quasi-public welfare, similar to a highway, similar to a telecommunications network, become a channel, and reduce the operating costs of the whole society.
How important is the platform?
On March 15, 2021, there was a passage from an important economic conference:
The meeting pointed out that in recent years, China's platform economy has developed rapidly, and its status and role in the overall situation of economic and social development have become increasingly prominent. The platform economy is conducive to improving the efficiency of resource allocation in the whole society, promoting the accelerated evolution of technology and industrial change in the direction of informatization, digitization and intelligence, helping to penetrate all aspects of the national economic cycle, and also helping to improve the intelligent, global, personalized and refined level of national governance.
The overall situation of china's platform economic development is good, the role is positive, but there are also some prominent problems, some platform enterprise development is not standardized, there are risks, the development of the platform economy is insufficient, there are shortcomings, and the problem of unsuitable regulatory system is also more prominent.
Understanding this sentence "the platform economy is conducive to improving the efficiency of resource allocation in the whole society", we will understand that blind anti-monopoly will not be split.
This has also brought new changes to the payments industry.
Especially the impact of aggregate payment is the collapse method. Although the collection codes that some banks assist merchants to engage in are still valid, from the trend point of view, it is the trend of the times that this method is completely replaced, and those who are engaged in this aspect of entrepreneurship do not need to invest too much material resources and energy.
As one of the most important financial instruments, the entry threshold of payment is relatively high, and A shares are related to it, mainly some machine manufacturers and third-party payment-related enterprises.
From the current situation, the operating systems used by machine manufacturers are mostly financial-grade customized Androids supervised by the central bank and the Ministry of Public Security, and have not yet achieved true security autonomy.
Previously, Alibaba Cloud discovered a major security vulnerability in Apache and failed to report it to the Ministry of Industry and Information Technology, resulting in a fine. It can be seen that the operating system is not in its own hands, and the risk is extremely high.
Huawei's Hongmeng operating system is already used in some financial institutions, and it is a trend to fully autonomousize the operating system at the financial level in the future.
1. Deep Sanda
Sanda is a subsidiary of China Electronics, mainly engaged in the production of payment machines. In 2021, China Electronics injected new assets and engaged in high-tech industrial engineering services (construction projects can also have such a big name), and the company's revenue scale has changed significantly.
2. Hisense
Hisense is one of the largest payment machine manufacturers in China, but this part of the assets is not listed. In addition to the machine, Hisense also has retail software, and the software used by many large supermarkets has Hisense's capital behind it.
3. La Cala
Lakala is a member of the Lenovo family and operates both third-party payments and machinery businesses. Those engaged in this kind of business will more or less engage in some small loans, and they are prone to non-compliance.
4. New World
Newland is a traditional machine manufacturer, and later began to diversify and transform, moving towards third-party payment, merchant operation and other fields.
Of course, the so-called merchant operation, to put it bluntly, is still a small loan.