Strangers can also complete “money transactions”
Editor’s note: This article is from WeChat public number “Little Program Observations” (ID: yinghoo-tech), author Miss Bean.
Sneakyly, WeChat Pay was found to have a new feature: “Transfer to Mobile Number”.
As its name, “transfer to mobile phone number” means that when users use WeChat payment transfer, they can enter the mobile phone number of the other party. Transfer.
In the past, there were only two ways to transfer money:
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Add a friend to the account and transfer it in the dialog box;
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Show the payment code and transfer it.
The logic behind the first article is that the transfer based on the friend relationship, the latter is the face-to-face payment and payment scenario, you can transfer without adding a friend.
According to the program observation (yinghoo-tech), the use of the “transfer to mobile phone number” function has a premise that the user must turn on the “Allow others to transfer money to me via mobile phone number” switch. After opening, the other party does not need to add the user as a friend, input the user’s WeChat bound mobile phone number, and then transfer the payment to the user’s WeChat change.
Whether it is “transfer to mobile phone number” or “Transfer to bank cardAll mean that money exchanges between users are no longer limited to WeChat friends and face-to-face scenarios.
What is the meaning behind this?
1,More mature WeChat payment
Not long ago, the WeChat payment wallet entrance was low-key and launched a new service – bank savings (only visible to some users), click on bank savings to jump to ICBC deposit products.
The user agrees that the “ICBC Deposit Related Agreement” can open the ICBC deposit account free of charge, choose to deposit deposits, the three-year interest rate is 3.85%, which is readily available and can be operated without jumping to ICBC.
The “Bank Savings” function is the first time that Tencent launched the bank deposit product portal directly on the WeChat wallet page. The emergence of it, for the banking industry, especially for private banks, the significance of the degree can be equated with the original “Yuebao”. online.
This makes us think of WeChat paying a series of actions since the end of last year.
I remember that in December last year, in the beta version 6.7.4, the “wallet” homepage ushered in a major revision, “wallet” was renamed “payment”, the homepage interface was adjusted, and the “payment” and “wallet” were The two most commonly used payment functions were exposed, and they were placed together in a fresh “WeChat Green”, and the “bank card” was integrated into the “wallet”.
A stone stirs up a thousand waves, you know The style of WeChat wallet has not changed greatly for about 4 years, and we can see from these two changes that WeChat is subtly strengthening the brand awareness of “WeChat payment”.
Now, whether it is the “transfer to mobile phone number”, “transfer to bank card” or “bank savings” function, it is the expansion of WeChat payment usage scenarios and boundaries.
Imagine that this is a mature performance of WeChat payment as a payment tool.
2,One-touch giant pays PK
“WeChat is more and more like Alipay!” After discovering these new features, many users are so exclaimed.
In their view, WeChat payment points are similar to Alipay’s Sesame Credit. Not only that, but there are reports that WeChat Payment will launch a credit payment product “payment”, similar to ant flower buds.
On the surface, WeChat payment is more and more like Alipay, but in the case of yinghoo-tech, there is a deeper meaning behind this.
OneOn the other hand, Wechat’s functional iteration has always had two characteristics. The first is to expand according to user needs, and the second is to adapt to market demand. The launch of these features means that users’ needs are more diversified due to the increasing number of users and the number of transactions on WeChat. According to the data disclosed on the “88 Media Open Day”, the total daily transaction volume of WeChat payment has exceeded 1 billion times. In this context, it must be “not enough” based on the WeChat friend relationship or face-to-face scenario transfer.
On the other hand, it is inseparable from the fierce competition in the current payment market.
Today, with the slowdown in smartphone sales, mobile payment products attached to mobile phones are not growing as fast. The industry generally believes that mobile payment has entered the post-mobile payment era. For WeChat Pay and Alipay, which have a large market share, the next competition will focus more on fine-grained operations. After all, the fine service will bring more users and transactions to the two companies.
Overwriting more industries and scenarios will obviously be the two common goals, so we see that the two companies are also making short-term transfers in the face-to-face payment field this year.
In this context, today’s financial technology has become a large independent income item in Tencent’s financial report, and payment accounts for a large share of this revenue. Therefore, creating a more complete product closed-loop service for users is WeChat payment requires constant exploration.
So, who are you more optimistic about in this payment PK? Welcome to leave a message to tell us.