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The second battlefield of cargo-based sales innovation
According to reports, merchants using the remittance pos machine will be able to transfer funds to “libao†through their mobile client (remittance POS acquiring APP), and then let the merchants through fixed income products such as money funds. The retained funds receive 10 times more cash income than the bank's demand deposits.
Different from “Qianbao†and “Baifaâ€, which focus on online fund investors, the customer bases of “Tiantianfu†and “Shenglibao†are mainly small and medium-sized merchants. Although the number of such customers is small, The large amount of liquidity, the potential purchasing power that can be brought about is very attractive for fund companies and payment channels, so it has become the second battleground for Monetary Fund customers.
In the market research, payment institutions also found that small and micro merchants are in the stage of collecting and paying money. Due to the uncertainty of capital movements, long-term wealth management value-added products cannot meet the needs of merchants for liquidity, and the money funds just fit them. The demand, "everyday rich" and "shenglibao" are tailored according to such needs, so that the merchant's POS machine can "lie down to make money."
CCID Consulting's data shows that in the first half of 2013, the average daily flow of bank card receipts reached 24.6 billion yuan, calculated according to the annual interest rate of the bank's current period of 0.35%. If all funds stay in the bank's current account, it will increase in one month. The income of about 110 million yuan, and the income of the money fund can be more than ten times the demand deposit.
It is understood that whether it is UnionPay "everyday rich" or remittance to the world "shenglibao", has attracted a number of fund companies to negotiate. Earlier reports said that after the "protection period" of the cooperation between Everbright Prudential Fund and UnionPay Business, "Tiantianfu" will cooperate with a number of fund companies to launch related products. The current partner of Remittance World is Guotai Fund, but the industry estimates that the future does not rule out the possibility of cooperation with other fund companies.
No entry barriers, matching UnionPay
In the online payment field, the status of UnionPay business is unassailable, and the data shows that it has nearly 2.3 million service merchants. The remittance world began to sink in the channel last year, and set its sights on the blue-blue market of small and micro enterprises and second- and third-tier towns. In a short period of more than one year, it quickly won more than 500,000 small and medium-sized micro-businesses.
As one of the ways to compete with UnionPay business, Remittance said that “shenglibao†does not set a threshold for entry, and the threshold for “everyday rich†is 200 yuan.
In addition, “Libao†is operated based on the mobile client. According to the relevant person in charge of the remittance world, the “Remittance to the World Libao†entrance is carried in the remittance POS receipt mobile phone client, the account is bound to the POS account of the merchant, no need to go to the bank to open an account, Shenglibaozhong The funds can be paid in the same way as the current period, and the income will be displayed daily and displayed in the client in real time.
Third-party payment to join the Internet "grab money" does not set a threshold for entry to UnionPay
Under the wave of Internet finance, the battle for money fund customers is in full swing. When Ali, Baidu and other companies are struggling to attract individual investors, another battlefield for POS merchants is also filled with smoke. Following the launch of the “Tiantianfu†financial platform jointly by UnionPay's subsidiary, UnionPay Business and Everbright Prudential Fund, the third-party payment company remittance world announced on October 30 that it officially launched a mobile wealth management product for POS merchants. Paying the world's raw treasures, join the competition for the small and medium-sized merchants market.