Electricity suppliers involved in the financial industry caused by change in the situation of smallPosted by: admin | Posted on: March 1, 2017
Beijing, January 10, (IT channel Pan Da) Jingdong before the mall to Beijing IT channel in January 1st this year Liu Qiangdong confirmed that the company’s annual meeting said that in 2014, the establishment of Jingdong mall financial company, can provide a variety of financial products.
This strategic change of
Liu Qiangdong, also shows the importance for the current financial services business platform, and the traditional bank in the online mall "test the water", mutual penetration of the two fields has become more and more obvious, and the competition in the market is self-evident.
payment market dispute
last year, CCB, ICBC, Bank of China have been involved in the field of electricity providers, launched online store, which also caused the attention of the electricity industry.
this, the Bank of China Hunan branch of electronic banking manager Yang Xiumin believes that the purpose of the bank is to recapture the broader market for payment." He said that in the e-commerce industry chain, the third party payment is an essential part. Banks have been in a strong position in the field of payment, the company can not do without payment of the bank. But with the popular online shopping mall, Alipay, fast money and other three party payment tools become the daily tool of buyers and sellers, bank online payment function has gradually faded out of the cardholder’s view.
traditional banks frequently net electricity supplier, also the layout in the field of payment, the Jingdong had completed the mall of the third party online banking online payment company acquisition. Online banking online has third party payment license, can be involved in the business, including Internet payment, mobile payment, fixed telephone payment, bank card.
payment market competition intensified, according to CNNIC data show that in August 2012 the online payment institutions, Alipay covering 129 million Internet users, among the various institutions in the first place. Caifutong to cover 55 million 960 thousand people ranked second, financial institutions, ICBC, Agricultural Bank of China only to 52 million 880 thousand people and 42 million 170 thousand people in three or four, but less than half the number of alipay. As can be seen from the traditional banks in this area has lagged behind a lot of competition.
get data from source
to pay the market, Liu Qiangdong believes that the next ten years, with technology as the data driven financial business will be a direction of the main mall Jingdong, after the acquisition of online banking online is not only to do an online payment company. Payment is only a small part of Jingdong’s future financial services business.
in fact, hidden behind the payment market is another focus of small and medium customers snatch, in the era of big data, more and more companies find the importance of data on the future development of the company. And how to seize the small and medium customers first to obtain data from the source.
Analysys International analyst Shou send e-commerce said Beijing IT channel in an interview with the bank, there is a lot of cash flow needs to be realized, they.