I don't know what the title owner said about the national development of an app similar to Alipay! Does it refer to the mobile payment software developed by a government department or the enterprise controlled by state-owned capital?
If it refers to state-owned capital, in fact there is, that is, cloud flash payment launched by UnionPay.
UnionPay is the third largest payment institution in China:
The concept of cloud flash payment actually existed long ago, but the early UnionPay system followed the NFC route for mobile payment, which to some extent limited the development of cloud flash payment mobile phone Due to the limitation of hardware, many models are not equipped with NFC chips.
By 2017, the adjustment strategy of cloud flash payment had directly focused on QR codes, and at the same time, the promotion efforts and various preferential measures had been increased. In recent years, cloud flash payment has developed very rapidly, with the number of users reaching 300 million, basically growing at the rate of 100 million every year. In the future, this growth will continue.
According to the statistics of Analysys, in the third quarter of this year, UnionPay has ranked third in the market, second only to Alipay and Tencent Finance, the two Internet giants.
The difference between cloud flash payment and Alipay: Although cloud flash payment is also a mobile payment tool, it is quite different from Alipay. The current Alipay is the core product of Ant Group, which undertakes the task of guiding the various products of Ant Group. Therefore, it is crammed with a lot of services and content, which looks very bloated overall, and the user experience is extremely poor.
However, cloud flash payment is much better. Its positioning is still just a mobile payment app. Its core functions are only payment, bank card management, and some bank card promotions. The overall focus is still the wallet attribute.
Of course, in recent years, in order to increase the user rate and frequency of use, Cloud Flash has also introduced monetary fund products. It is not ruled out that more financial product sales will be added in the future.
Therefore, I sometimes give priority to cloud flash payment when making payments, and the support for cloud flash payment in big cities is still high.
View of Lscssh science and technology officer: To sum up, in addition to Alipay and WeChat payment, we can also use UnionPay cloud flash payment system, especially at present, it is still in the promotion period, and some of its offers are very real, far higher than the other two Internet giants.
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