On September 6, the introduction of the fee adjustment plan for UnionPay cards will be officially implemented. This indicates that the era of UnionPay card receipts will be over.
Payment industry reshuffle: UnionPay card domestic fee adjustment program introduced
According to the "Guiding Opinions on Promoting the Healthy Development of Internet Finance" and the "Implementation Plan for the Special Remediation of Internet Financial Risks", the Central Bank and the 14 Central Committees of the Central Propaganda Department and the Central Stability Office jointly issued the "Implementation Plan for the Special Rehabilitation Work of Non-Bank Payment Organizations". (hereinafter referred to as the "Remediation Plan"), focusing on rectifying the payment risk of the payment institution and the cross-institutional clearing business and the payment business of the unlicensed operation. “Third-party payment companies are not allowed to connect directly to banks and must access the network payment and clearing platformâ€, and “central management of customer reserve funds†is on the horizon. A number of third-party payment companies were fined or even revoked for acquiring orders due to violations of offline acquiring business, including those known as "pro-sons" and "dry sons".
The bank card crediting fee is mainly the billing service fee charged by the acquiring institution, the card issuing bank service fee collected by the card issuing institution and the network service fee charged by the bank card clearing institution. According to data provided by the central bank, as of the end of 2015, the number of cards issued by the national bank cards exceeded 5.4 billion, the number of merchants connected to bank cards exceeded 16 million, and the number of POS machines exceeded 20 million. In 2015, there were about 29 billion bank card consumption businesses in China, amounting to about 55 trillion yuan. An important feature of the policy introduced this time is that the rate level has been lowered by a large margin, which will directly reduce the operating costs of the merchants.
There are already many signs that the payment industry is being severely cracked and the central bank is serious. Whether it is new regulations, rectification or severe punishment, it is actually to guide the payment institutions to return to the essence of payment.
Opportunities in change: Many banks choose smart POS as a breakthrough breakthrough
In the face of the current form of payment market, many banks have chosen a breakthrough: intelligent pos.
1. Minsheng Bank
"For a long time, the offline acquiring market is very chaotic, and various violations have emerged in an endless stream. Due to the asymmetrical regulatory environment, it is difficult for banks to compete with others in such a market environment. With this year's UnionPay card domestic fee adjustment program The introduction of the "Remediation Plan" and the implementation of various strict measures, the various chaos in the payment market will be effectively curbed, and the era of spelling rates will also end. We must make good use of this opportunity to provide customized solutions for customers. Scenario solution: Solve the pain points in the business operation, go out of the rate-driven cycle, and turn to product drive and innovation drive. The tool and the grasper to achieve this goal is the CPOS platform of Minsheng Bank.†Minsheng Bank CPOS The person in charge of the platform said. The so-called CPOS, namely: Cloud, provides cloud services; Customized, provides customized services.
2. Industrial and Commercial Bank
Since the beginning of this year, the Industrial and Commercial Bank of China Dongying Guangrao Branch has attached great importance to the development of POS acquiring business, and has taken it as an important task to implement the adjustment of bank card business structure and increase the income of intermediary business, and fully promote the healthy and rapid development of personal financial business. Up to now, the bank has launched 916 POS units, and the quarterly receipts amounted to nearly 192 million yuan, an increase of nearly 30 million yuan over the same period, which effectively promoted the realization of the goal of “rapid growth and steady development†of personal financial business. The bank actively expanded its thinking and methods, and used all-round favorable policies to achieve new developments in the acquiring business.
Why is smart POS a breakthrough?
1. Good prospects for the mobile payment market. The overall reduction in the rate is conducive to the development of the offline payment industry. The New Deal has significantly reduced the cost of acquiring the bill to improve the acquiring environment. The layout of the POS machine is more than expected.
The reduction in handling fees has reduced the operating costs of the merchants, and will further increase the enthusiasm of merchants to apply for pos machines in the future. In the context of the payment industry "scenario + hardware", the generation of intelligent payment terminals can realize the connection of e-commerce, merchants, enterprises, and supply chain financial services. The smart payment terminal includes scanning QR code and NFC near-field payment. In addition to card payment, it also includes the verification of membership card coupons, combined with the back-end CRM system for refined management of customer orders, big data analysis, and small loans based on merchant business data, all of which can help merchants. And the platform complements the final part of O2O.
2. The bank card business continued to be sluggish. In 2015, the overall situation of the payment system operation showed a negative growth in bank card issuance. The main reason for the decline in the growth rate of card is the rapid growth of non-card payment instruments. For example, scan code payment and NFC payment by UnionPay have replaced bank card payment to a certain extent. In particular, the payment code of payment companies has developed rapidly, to some extent. It has suppressed the appeal of ordinary people to increase bank cards.
At the same time, smart POS with both security and payment is increasingly favored by the market. Smart POS that supports multiple mobile payment methods is also quietly changing consumers' payment habits. There is no doubt that the laying of smart POS has greatly boosted mobile The development of payment.
3. The advantages of smart POS in providing customized services. In the banking business, smart POS reflects the advantages of intelligence everywhere. All business activities of the merchant can be completed through the POS machine. Banks can get the merchant's capital flow, information flow and business data through the cloud platform of the intelligent POS machine. The intelligent POS cloud platform can collect massive amounts of data, analyze and mine customer transactions and consumption information, grasp customer spending habits, and accurately predict customer behavior, as a basis for designing credit lines for merchants. At the same time, it also provides customized and differentiated financial services for small and micro businesses. Smart POS enables banks to focus on marketing and risk control, effectively increasing business volume and absorbing reserves.
The development of mobile payment is fully accelerated, and the potential of intelligent POS is unlimited.
With the rise of e-commerce supply chain finance, financial supermarkets and other financial models, intelligent POS with strong innovation ability is expected to become a leader in the industry transformation. Smart POS has unique advantages and potential in financial business, and will become a payment transformation in the future. A new breakthrough point. With the constant regulation of the development of various industries and the emergence of giants' continued-plus-coded layout, it will help to further promote smart POS and the whole Internet finance sector to shuffle, go to the poor, and develop healthily, so that Internet finance can be reformed in the national industrial structure. The reduction of social financing costs, optimization of capital operations, and promotion of the development of the real economy can really play an active role for a long time.
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