Credit payment is both a sweet and delicious cake, and a sword that hangs over your head.
Editor’s note: This article is from WeChat public account “zinc scale” (ID :znkedu), author Deng Xiaojin, Li Qilin, editor Xu Wei.
1: Most users will use 1-2 credit payment products at the same time. Most of the products used are concentrated on platforms that have a high frequency of daily use and can cover relevant online and offline application scenarios.
2: In the case of insufficient economic capacity and increasing consumer desire, advanced consumption is undoubtedly the most convenient solution.
3: For new and old players in the field of credit payment, it is really necessary to clarify their responsibilities in order to stabilize this piece of incense.
In September, credit payments became a hot keyword.
At the beginning of the month, the US group launched a credit payment product called PayPal, which has the same pattern as Alipay.
In the middle of the year, the news that Tencent is incubating the “payment” of credit payment products is very rampant. Although it is difficult to distinguish, it has caused a great degree of attention in the industry.
From Alipay’s flower buds to Jingdong Baitiao, to Ctrip and where to take flowers, then to Vipshop’s Vipshop, then to the US group to pay. From e-commerce, travel to social, the penetration of credit payments has shown an infinite expansion. Relevant data show that by 2020, consumer credit will reach a scale of more than 10 trillion yuan. It can be seen that the cake of credit payment will be delicious in the future.
So, right now, credit payment competition geometry? What is the future fate of the industry? Maybe you can get inspiration from the user’s story…
Ended “Cash”尴尬
The coverage available online and offline is wider and the user chooses credit payment products.