In recent years, China's third-party payment industry has developed rapidly, and the entire market has maintained a momentum of rapid expansion. We have seen a brighter prospect and hope for the payment industry, especially the POS agency business. However, the environment for survival and the law of survival are also changing. The strengthening of supervision in the industry has forced agents to expedite a process of transformation and emergence.
Many of the people around me have realized that POS agencies must be transformed, otherwise they will be eliminated. After the waves of the Yangtze River push forward waves, one wave is stronger than one wave, the industry is reshuffled, and the current conditions remain unchanged. The pressure of POS agents this year is quite large. On the surface, it is reduced in distribution and penalized for violations. Actually, we are no longer adapting to the newly established rules. Our business model is not consistent with the current regulatory system. If the POS agency's own mechanism and system do not change, it will eventually be eliminated by the market.
From following the pace of the industry to seeing the essence of the development of the industry, agents need to re-find their own positioning and adjust the structure of the body to adapt to it. This must be a process of mixed confusion, pain and hope. But only in this way, POS agents in the third-party payment industry can take a new step, and the road to future development will suddenly become more and more open.
We have to change, but how do we change?
The dilemma facing the payment industry channel is actually a process that must be experienced in the development of any industry channel in China. I think that the transformation from the IT industry agent can learn from one or two. In the past, the agents of IT enterprises started from the low-level hardware sales business. The competition of channel terminals evolved into price competition. In order to seize the terminals, counterfeit products that violated regulations and even illegal activities were rampant when reasonable profits were exhausted. A large number of agents in this chaos, jumped out to turn to software, help customers design systems, provide customers with integrated solutions, this part of the growing agent is actually a later system integrator. After they have clearly defined their direction, the formation of competitive differentiation will continue to make the channel bigger and stronger, thus also winning a higher profit margin and becoming the mainstay of the industry. And those agents that can't grasp the direction correctly and rely on speculation are cruelly shuffled out.
This case does not know that everyone understands? A summary of the sentence is: must be diversified and integrated development.
Looking at the development trend of the entire payment industry, it has actually brought such an opportunity for POS agents. Since the advent of Alipay in 2004, third-party payment has gone through a decade of development. Payment began in the 1.0 era of pure acquiring business, entering the industry upgrade, and providing 2.0 value-added services on a payment basis. For POS agents, the ability to overlay various value-added services on top of the current basic business will become a new bright spot for business development. The richness of these value-added services will also become our core competitive advantage in the future.
Give some examples to help you further understand the massive customer data and trading behavior information that we have accumulated for a long time. By using big data and cloud computing analysis system, we help our merchants to analyze the behavior characteristics of consumers and form a consumer behavior track. In turn, it can reach more customers. We can also form credit certificates based on POS flow, provide faster financing services for our merchants, and improve overall service efficiency.
In fact, this is the integrated development path I want to talk about. Based on payment, we provide comprehensive solutions to merchants, and we can expand more business and expand business scale by superimposing business. On the other hand, we need to pay more attention to SMEs, provide them with information-based financial solutions, and then strengthen our differentiated advantages, avoid falling into the low-level shopping, we no longer rely on illegal, false merchants to profit, we The benefits will come from the value created by the superposition of value-added services.
More importantly, we must look for compliance and development-oriented payment companies to have the strength to lead POS agents to develop in an integrated direction and have a place in the future market. After shuffling, some far-sighted payment institutions will emerge. Only by following them to dig and expand new business areas is it a road to prosperity and to go further.
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