Text 丨 Sina Technology Zhou Wenmeng
Edited 丨 Han Dapeng
Recently, the State Council deliberated and passed the "Regulations on the Supervision and Administration of Non-bank Payment Institutions", which not only improves business rules and strengthens supervision, but also introduces policies for the orderly expansion of high-level opening-up of the payment industry, gives national treatment to foreign-invested payment institutions, adheres to the equal emphasis on "bringing in" and "going out", actively promotes the efficiency of domestic and cross-border capital circulation, and improves the level of payment services in new formats such as cross-border e-commerce.
As a leading payment company in China, Ant Group, which has started its global business since 2007, has made achievements in "going global"? Recently, Sina Technology visited Alibaba's payment business in Malaysia and had an in-depth understanding of Alipay's business layout and landing status in Malaysia and even Southeast Asia.
The visit found that in a number of Southeast Asian countries represented by Malaysia, Alipay has basically achieved more than 70% coverage. Whether you take a taxi, eat, buy milk tea, go to a convenience store, enter a duty-free shop, or make various online purchases, you can make transactions through Alipay, and you don't need to re-download the overseas version of Alipay, and you don't need to worry about the exchange rate. In addition, more and more Southeast Asian merchants are also working with Alipay to provide more and more consumers with more worry-free, labor-saving and money-saving consumption services through coupon issuance and free mobile phone traffic packages.
After opening up the cross-border payment transaction system, Alipay is also helping enterprise customers in Southeast Asia to promote digital operation and management through its own mini programs and digital marketing solutions.
覆盖超70%场景，马来人也用Alipay
From Langkawi, a coastal city on the west coast of Malaysia, to Kuala Lumpur, the capital of Malaysia. Dozens of large-scale duty-free shops, Internet celebrity restaurants, bubble tea shops and pewter alloy product production bases visited by Sina Technology. When it comes to shopping transactions, you can see the words "Alipay" or "Alipay+" in front of the counter.
In the local business account, the ease of use, the security of funds, and the fact that Chinese tourists and young people are using it are the main reasons why they are starting to connect to the online payment system.
"Online payment is safe, and you don't have to worry about the cash being stolen by employees. Su Qing, deputy general manager of Langkawi Dr Group Duty Free Shop, said bluntly. According to her, "In the past, when I was paying in cash, there was often a loss of cash in the store, but after using Alipay, this has not happened. ”
The same appeal was also mentioned in the mouth of William, the owner of Eagle Bay Seafood Restaurant, because he is a seaside restaurant, he runs a store that is not in the city center, so he is always worried that he will be robbed if he collects a lot of cash. "I prefer online payment, which is relatively secure for our merchants. Because it's going to be dark at night, and if four or five people come in with knives, you'll have to be obedient. William said.
In the many shopping malls and stores visited by Sina Technology, almost all of them had obvious reminders of Alipay use at the door. Even some fruit stalls operating in the open air can also see Alipay's figure.
According to Ant Group, Alipay's local coverage in Malaysia has exceeded 70%. At present, Alipay has covered more than 70 countries and regions offline, and has access to more than 8 million overseas merchant stores such as eating, drinking, entertainment, transportation, etc., covering almost all consumption scenarios such as catering, supermarkets, department stores, convenience stores, duty-free shops, theme parks, overseas airports, tax refunds, taxis, etc.
From payments to merchant growth, Alipay+ operates digitally
When you go abroad, many people will find that Alipay has an extra "+" sign, which has become Alipay+. In fact, Alipay+ is not an overseas version of Alipay, nor is it another payment software, but a cross-border payment and marketing solution based on Alipay's years of accumulated technology and experience. It can help e-wallets around the world enable cross-border payments, while allowing global merchants to seamlessly connect with consumers in the digital age.
Taking Coolblog, a local milk tea brand in Malaysia, as an example, as a local milk tea brand imprinted in the childhood memories of many Malaysians, Coolblog has more than 330 stores in Malaysia. When the store operation reaches a certain scale, how to manage the store more scientifically and refinedly has become Sue Li's main concern.
According to Sue Li, CEO of Coolblog, she also thought about making her own App before, but finally chose to cooperate with Alipay, using the D-Store digital management tool provided by Alipay, you can quickly put your own mini program on Alipay after a development to cooperate with multiple payment platforms, to achieve rapid customer acquisition and realization, and at the same time to mark and digitally manage customers from different sources.
"Their technology is very good, I don't think there will be too many risks, with a more powerful and experienced partner, we can quickly meet the customer's requirements. Sue Li said. The dividends of the mobile Internet era cannot be missed, and it is very important to learn to operate digitally, which is also becoming the consensus of overseas businesses. Even small and medium-sized businesses can do business, advertise, send discounts, and attract new customers through the digital operation tools provided by Alipay and Alipay+.
Another example is that with the recent gradual liberalization of mutual visa exemption between China and Malaysia and other countries, the enthusiasm of Chinese people for outbound travel has increased. Ant Group has teamed up with millions of merchants around the world to launch a one-and-a-half-month "New Year's Adventure Season", which on the one hand allows global merchants to actively link up and truly learn the marketing way of digital survival, and on the other hand, it also provides intimate "consumption guides" and "service butlers" for Chinese outbound tourists, so that they can realize "experiential authentic tours" with one click.
The convenience of transportation and the progress of technology are shortening the gap between regions and cultures, and when going overseas has become more and more a new direction that enterprises are concerned about, Alipay, which will export domestic online payment technology and digital business capabilities to overseas, is also broadening its own boundaries when it is convenient for domestic tourists to travel.