Apple Pay is lively, but tomorrow's yellow flowers

A product that is not actively supported by my own products, I don't think I can get more outside support.

After Apple Pay officially launched on the mainland, there has been a more interesting scene. Major banks and APPs have rushed to inform each other and inform their users through various channels. The major banks are recommended in the official website. The official Apple is very calm, and has not been pushed to the user on a large scale. The recommendation on the official website is also very embarrassing. There is only a small box in the lower right corner, giving the impression that the emperor is not in a hurry.

According to media reports, the number of tied cards in one hour exceeded 100,000. It seems that Apple Pay is very popular. But if you compare the propaganda, this conversion is not high. An important factor affecting the conversion may be a bad tie-in card experience. The friend circle has failed to tie the card, and many people have tossed for one morning to succeed. There are not many cards tied for more than 100,000 per hour, but there are repeated failures in the card-binding. This experience is not flattering. According to this efficiency, tens of millions of users in the mainland have to spend dozens of days to fully tie the card.

For the arrival of Apple Pay, some people sang badly, and I have been singing bad. Not that Apple Pay is not good, but in the current competitive environment, I am not optimistic about its development in the mainland. As for those who say that the payment of Alipay and WeChat payment is trembled, I think it is a fantasy and a dream.

One, Apple Pay is a terminal-based product, compared to a niche product. At present, only mobile phones supporting iPhone 6 or above are not high in mobile users in mainland China. The size of users is limited by the development of terminals. Even if all the cards are tied, it is difficult to match Alipay and WeChat payment. Alipay can be developed across terminals, and all mobile device holders can develop into users, which has the essential difference.

Second, Apple Pay's collection depends on the hardware, need to support NFC equipment, and Alipay and WeChat payment are not required, you can use the scan code gun to collect money, you can also use the QR code to collect money, this is a collection The reduction in the threshold is a "hard" for Apple Pay. This may not matter to big merchants, but for small and medium-sized businesses, the lower threshold can get more support, which limits the expansion of Apple Pay payment scenarios. A very simple comparison is that small stores that did not have POS machines before are now supporting Alipay and WeChat. Not that the store is not willing to support more payment methods, but the POS machine has a high threshold for them. Without paying for the scene, there is naturally not much future.

In terms of the above two, Apple Pay and Alipay are not comparable, and there are two different existences. What's more, Apple Pay is just a simple payment tool, and Alipay has long since left the payment tool, and functions such as payment and collection are readily available. We compare Apple Pay with Alipay and WeChat payment. It always feels that Liu Xiang and Li Na are more powerful than wrestling. If you have to say that Apple can get rid of Alipay and WeChat payment, the quickest and most effective way is that all terminals will remove it. This possibility should be zero.

Of course, Apple Pay is not completely useless. At least, payment is very efficient and can be paid more quickly. For the user, the possibility of simultaneous use is greater. However, I am still not optimistic about Apple Pay's future in the mainland. One reason is enough. When it is easy to use the car and the US group is eager to announce support for Apple Pay, Apple's own App Store is still indifferent and still does not support Apple. Pay recharged, this gives me the feeling that the emperor is not in a hurry. A product that is not actively supported by my own products, I don't think I can get more outside support.