Prepared to spend more than a year Baidu E-commerce has finally taken a stage further. Recently, called "100 FU Bao" first surfaced electronic payment platform. According to the official website of Hundred FU Bao information display, 100 Po will pay to build "security, stability, and convenient online payment tool." There are indications that the development has been in accordance with the established pattern of inertia electronic payment market in China for many years, the future will not be too quiet.
Electronic payment of "trust Swing"
According to iResearch, the first quarter of 2008, China's third-party online payment market turnover reached 47.8 billion yuan, up by nearly 200% to maintain rapid growth. But nearly 500 billion figure, and can not be determined competent authorities of the electronic payment "laissez-faire development of" confidence.
Since July of this year, the central bank instigated, to follow up a number of banks, abolition of self-help online or telephone application services. In other words, users in online transactions if you want to be me at a bank application, and use the bank to provide the digital security certificates or dynamic password. In addition, on-line consumer credit, banks are slipping down, especially the virtual goods trading platform.
Some analysts believe that this tends to "conservative" fine-tuning, in fact reflects the central concerns of the electronic payment market, but the main problem lies in the security level, "regulators must grasp the rhythm of the whole industry forward."
Reassuring that, in the interaction with the bank, the electronic payment platform with breakthrough levels. Baidu E-commerce business, according to general manager Li Mingyuan said, 100 to pay Po is the first reached with China Union Pay based strategic cooperation agreement with the direct payment platform. 100 Fu Bao with ICBC, Agricultural Bank of China, China Merchants Bank, Construction Bank and other commercial banks had a point to point to further improve the integrity and stability of payment systems.
This electronic payment, it is a good news. The industry believes that with the banking institutions to enhance higher level of cooperation will help strengthen the electronic payment of "a sense of stability." It can maximize the coverage of bank trading platform for users to use a different bank account, can provide the perfect support.
It is understood that Baidu E-commerce division has also set up within the "fraud" and "risk control" of the relevant departments to solve the illegal e-commerce platform vendors the existence of fraud, deception and the alleged money-laundering cash credit problems, Zui Da the user's payment limits to ensure transaction security, payment of a healthy and stable environment.
The new driving force of electronic payment market
As China's financial system imperfections, it is foreseeable that regulatory agencies, banks, electronic payment platforms of "new swing" will be a long time. But this does not prevent the triumph of Chinese electronic payment market, after all, it represents a more convenient and efficient payment trends.
Currently, the major third-party payment platform has four: pay, TenPay, CUP electronic payment and quick money. Analysis, driving their rapid growth momentum is different, which benefited from the growth Alipay Taobao and Alibaba's growth, financial dependence Tencent General to pay transactions online games, ChinaPay rely on its official background and outstanding reputation, not quick money trading platform is used with the industry, enterprise cooperation.
4 share the driving force to maintain distinctive characteristics of the four platforms simultaneously forward, also created electronic payment market in China, "there is no dominance, only balanced" pattern. However, to make the trade interest is paid with the 100 Po into the game whether there is a new rally is being formed?
According to Li Mingyuan, said 100 to pay the account system and Baidu Po had a "unified" from the product search to complete the transaction, the interface can be seamless, to complete a combat-style shopping experience. Words, the moment in formally launched, 100 Po has been the default has to pay the global flow of the largest users of the site most of all users.
Has always been good at Baidu will be as simple as possible their products reliable, Baidu very successful products - paste it, know have this common platform, etc.. In 100 Fu Baoping Taiwan, this feature also continue to be guided, perhaps, this is the electronic payment market in China a new source of tension.