Fuzhou Wangfujing Department Store Test Water Wechat Payment

Department store shopping can be paid by two-dimensional code.

Yesterday, reporters at the 54 Wangfujing department store cashier office, experienced the "legend" in the WeChat payment function.

Cashier said WeChat payment is very simple, customers only need to use mobile phones to scan the two-dimensional code generated automatically on the cash register, then you can enter the password to complete the payment.

Miss Lin, who came to pay the bill, was trying to pick up her wallet. Under the guidance of the cashier, she immediately tried a WeChat payment with her mobile phone.

To provide the cashier to the cashier, after entering the system, a two-dimensional code will appear on the computer.

From scanning the two-dimensional code to the successful payment, it took less than 2 minutes.

"Novelty is also very convenient, the payment speed is very fast, and the use of peak hours should be able to greatly shorten the queuing time."

Miss Lin said.

According to a manager of the department store, the WeChat payment system was launched in Beijing in March of this year, and was formally launched in Fuzhou in mid August this year. "After more than a month's incubation period, the average 1/4 to 1/3 customers will choose to use WeChat payment every day."

The manager also said that on the basis of WeChat's payment, the future development trend is likely to set up a two-dimensional code in each department store, and the two-dimensional code can be purchased directly.

"If this form is popularized, the cash register in the department stores will probably be reduced.

Part of the customer payment is diverted to the mobile payment channel, leaving the cashier to meet the needs of other age groups and consumer groups.

This means that the number of customers who use traditional payment methods such as cash or credit cards may be greatly reduced in the future.

Bank acquiring business or being "divided"

In addition to the above department stores, the southeast express reporter also learned that there are other department stores or merchants in Fuzhou brewing the way of mobile payment in order to bring better consumption experience to customers.

Mr. Wu, a responsible person in a commercial bank, believes that Internet banking has been in the traditional business field of "dividing food" from the online layout to the offline.

Take business card printing business as an example, merchants provide credit card service and pay a certain fee for the collection.

It is different from industry.

Banks have laid POS machines, and after receiving orders and maintenance work, they can basically wait for the income of the service fees. When the third party payment platform reaches the line, this part of the proceeds will be diverted partly.

"Fees are secondary, and what banks value more is the settlement of their businesses in their own banks, or the development of savings and loan customers."

Mr. Wu told the southeast express reporter that when the mobile payment develops to a certain extent, the demand for POS will be reduced, and the "Stickiness" of banks may be reduced, which will have an impact on the stability of bank customers.

"At this stage, we can not say that the actual impact has been much, but this trend is worth the banks' vigilance."

Face

The attack on the platform has already been a sense of crisis for banks.

"Traditional banks should vigorously develop the means of payment represented by NFC".

Ms. Shen, who has been in the banking industry for many years, believes that "Internet Finance and NFC near field payment business are now in the" horse race enclosure ". The change in consumer payment habits will take time. Banks should accelerate their pace to innovate.

In view of this, the southeast express reporter also learned from the banyan silver industry that there have been cooperation between banks and mobile phone manufacturers, the introduction of the built-in "mobile wallet" application customized models, through mobile phone NFC technology directly to complete the payment process.

"NFC near-field payment is the pfer of money from a bank account to a mobile phone. The mobile phone is like a zero wallet and can be paid with a wave."