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这是一场争夺市场份额的激烈厮杀,目标是正在兴起的第三方支付市场,竞争主体是银行、银联和第三方支付机构。银联无疑是强势的,垄断地位决定了它可以利用现有优势挟持银行来逼迫第三方支付,但这种战术在线下支付领域可行,到了线上业务,这招就不灵了。而且,银联也不得不面临被边缘化的现实;银行作为发卡行和主要的收单机构之一,在业务上部分受制于银联,在线上业务中也受制于支付宝等第三方支付机构,因此在两者的博弈中,一直希望扮演一个平衡者的角色;第三方支付机构尽管经历了快速发展,也符合行业发展大势,但要想继续做大,也面临困难。目前线下业务发展步履维艰,线上业务也面临着银行间的博弈,需要微妙平衡。
This is a fierce battle for market share, the goal is the emerging third-party payment market, the main competitors are banks, banks and third-party payment agencies. UnionPay is undoubtedly a strong, monopoly determines that it can use existing strengths to hold banks to force third-party payments, but this tactic is feasible in the offline payment field, to the online business, this trick is not working. Moreover, UnionPay also has to face the reality of being marginalized. As one of the major issuers and major acquirers, banks are partly controlled by UnionPay on the business side and are also subject to third-party payment agencies such as Alipay on online business. Therefore, In the game between the two, they always hope to play the role of a balancer. Although the third-party payment agencies have experienced rapid development and are in line with the development trend of the industry, they still face difficulties if they want to continue to grow. At present, the development of offline business is struggling. The online business also faces the inter-bank game and needs delicate balance.