近日,央行已原则上通过了成立网联平台整体方案的框架,并计划于今年年底建成。网联成立后,第三方支付将由银行直连模式过渡至第三方平台统一转接清算模式,在统一技术标准和提高清算信息透明度的同时,也彻底废除了第三方支付龙头多渠道(银行直连数量)、低费率的护城河,将行业的竞争重新拉回到支付场景拓展和客户体验提升上来,属于行业的重大变革。然而,问题在于,网联模式与银联模式并无本质的区别,如果网联模式 Recently, the central bank has, in principle, adopted the framework for setting up the overall plan of the Internet Alliance platform and plans to put it into operation by the end of this year. After the establishment of the Internet Alliance, third-party payment will be transferred from bank direct connection mode to third-party platform unified transfer and settlement mode. In addition to unifying technical standards and enhancing the transparency of clearing information, third-party payment leaders have also abolished multi-channel payment Quantity), moat with low rates, the competition in the industry to pull back to pay the scene to expand and enhance the customer experience up, belong to a major change in the industry. However, the problem is that there is no essential difference between the Internet connection mode and the CUP mode. If the Internet connection mode