Last year, when I began to pay attention to "fourth party payment" and "aggregate payment", the aggregate payment was not familiar to everyone. Everyone is more familiar with third-party payment such as Alipay, WeChat, UnionPay wallet.
Nowadays, aggregate payment has become a high-frequency hot word in the payment circle, and related topics have emerged. Aggregate payment is like the previous UnionPay, and it is all about the horizontal integration service in the vertical account system.
We know that before the emergence of UnionPay, China's banking industry was vertical and did not interact with each other. The vertical account system of the banking industry has led to the banks' respective management and repeated network construction. The government has been working to break this vertical account system.
China UnionPay is the first horizontal integration service provider in China's first bank vertical account system. China UnionPay, which was established based on the size of the People's Bank of China, opened a door to the exchange, enabling us to implement cross-bank withdrawal and transfer services among the major banks in the self-service terminal.
The value of UnionPay is reflected in the user's inter-bank payment service convenience, as well as the aggregation payment.
Now, a large number of third-party payment user accounts, such as Alipay, WeChat, etc., are bound to multiple bank accounts. Through third-party payment accounts, users can manage multiple accounts conveniently and securely, and no longer log in to each bank. Online banking, or visit the outlets of various banks.
However, while the third-party payment account subverts the vertical account system, it cannot avoid the verticalization of its own account. This verticalization is the verticalization of third party payment account data and information. No matter how large the account size, it is impossible to avoid the simplification and simplification of data and information.
At this time, the aggregation payment appeared, making horizontal contact between the third party payment. Even if the third party pays for 10,000 lines, the aggregate payment can be worn in a "eye". The life of the payment industry lies in the user experience. A number of surveys have shown that convenience is the main reason for the rapid development of mobile payment. Aggregate payment can push this convenience and speed to a new level.
Because, the aggregate payment is the "last mile" of the payment. Aggregate payment service providers are closer to merchants and users, and can avoid the high compliance costs of commercial banks or non-bank payment institutions, and achieve faster growth. Recently, aggregate payment service providers have begun to be favored by capital and are also fundamentally related to this kind of deduction.
Aggregate payments also have account services, but such accounts are not payment accounts, but member accounts. There are merchant-independent member accounts and member accounts of aggregate payment service providers. Aggregate payment of member accounts does not need to face heavy services such as payment, settlement and clearing. It only needs to feel the convenience of mobile payment at the front end, and it is very safe.
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