The popularity of smartphones has made payments “mobileâ€. Now more and more citizens are used to using mobile phones to complete daily financial activities such as payment and recharge, credit card repayment, transfer and remittance, and the number of optional mobile payment applications is also increasing. At present, third-party companies such as Lakara card reader and Alipay have launched mobile phone software. The mobile banking of various commercial banks can achieve the purpose of mobile payment, so how should users choose?
Operation PK
Third-party payment is easy to use
The rise of mobile payment methods has only been a few years, but the reasons such as "troublesome opening procedures" and "unclear registration procedures" have stumped many people who want to try new things.
According to reporters, payment tools developed and launched by third-party payment companies such as Lakala and Alipay can be directly registered through the mobile client, and it is relatively simple to fill in information such as mobile phone number, email address, and ID number. Alipay needs to be tied to a bank account, so the customer's bank card must be enabled for online payment.
Although the mobile banking function introduced by commercial banks can also realize mobile phone registration, for security reasons, some banks have imposed certain restrictions on customers who directly apply for activation of mobile phones, such as not allowing large-value transfers, remittances, etc., so customers should think To open all functions, you must go to the counter to go through the opening procedures, and if necessary, you must purchase security authentication tools such as ciphers.
Among the above two mobile payment methods, swiping the card is the easiest. Taking Lakala as an example, the customer only needs to insert the swipe card into the audio port of the mobile phone, and click to enter the client, whether it is credit card repayment, inquiry transfer, payment penalty, water and electricity payment , As long as you swipe your UnionPay card and enter the bank card correctly, you don't need to open online banking, bind accounts and other multiple operations. It is worth reminding that because the card swiping requires external equipment, the user must first purchase a mobile phone swipe device, which is slightly smaller than the match box. With the help of an external mobile phone accessory, payment is completed by traditional swiping card and entering ATM password. . At present, the official website price of Lakara credit card reader is 199 yuan / piece, and payment methods such as Alipay and Tenpay are all completed with the help of mobile phone software, without buying any equipment.
Function PK
Mobile banking is the most powerful
The pace of life is accelerating day by day. Simple mobile phone recharge, shopping payment, credit card repayment and other functions can no longer satisfy citizens' appetite. The payment of utility bills such as utilities, lottery subscriptions, and financial information inquiries are being increasingly used by citizens. attention.
The reporter found that using third-party payment methods such as Alipay and Lakala can easily handle mobile phone recharge, online shopping, water, electricity and coal payment, credit card repayment, transfer and remittance, purchase of lottery tickets, game point cards and other services.
In addition to mobile phone recharge, remittance and other functions, mobile banking is also loaded with more financial services, such as financial calculators, bank branch inquiries, credit card discount information, gold, financial products, fund information, etc. In addition, in order to promote the mobile banking business, China Merchants Bank, Agricultural Bank, Construction Bank, etc. have launched exclusive wealth management products for mobile banking, with a yield of 0.2% -0.3% higher than the products issued by bank counters during the same period.
It is worth mentioning that although mobile payment methods such as Alipay provide more convenient payment types, their payment amounts are usually smaller. For example, a joint-stock commercial bank requires daily transactions of credit card and public card users to third-party payment institutions. The limit is 500 yuan / card. Under such circumstances, it is difficult for customers who have not applied for security authentication tools such as U-Shields and ciphers to purchase large-ticket products such as air tickets and electronic digital through Lakala and Alipay.
Comment: From the comparison of the above two mobile payment methods, it can be seen that the third-party payment may attract more users due to its simple operation, and will play a huge role in daily life. But their weakness is that the transaction amount is relatively small; mobile banking is relatively troublesome, but the function is more comprehensive and powerful. In addition to being able to cope with the payment in daily life, it is more suitable for high-end financial management.
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