With the popularity of smartphones, mobile Internet has become the key word for enterprise transformation in the past two years. How to reposition corporate value in the era of mobile internet? This has become a "heart disease" for entrepreneurs.

Since the beginning of this year, the hot spot of mobile Internet is O2O, which is from Online to Offline. "Red envelope war", "all people take a taxi", Internet companies use practical actions to make people really feel the power of O2O. Therefore, some people refer to 2014 as “the first year of mobile payment”.

The core focus of O2O competition is undoubtedly mobile payment. All online mobile applications, if you can't find the cash export online, the difficulty of landing is relatively large.

Some people say that there are two things in the world that are the most difficult: one is to put their own thoughts into the heads of others; the other is to put other people's money into their pockets. In the former, "internet thinking" has swept the world; in the latter, it depends on the "Wallet revolution." Once the mobile wallet is popular, mobile payment becomes a daily consumption habit, and the “closed loop” of O2O is opened.

From the perspective of innovation, Internet companies all take "fast" as the core. However, in the field of financial payment, it is precisely the "stable" as the core. We believe that users are more concerned about security issues with their mobile wallets. Safety and convenience, safety is a prerequisite.

The mobile payment industry, like the traditional payment industry, has very high security requirements, even greater than innovation. In the financial industry, "it is strictly rigorous to be concerned with money."

That is to say, the replacement of traditional bank cards and cash by mobile phones for payment must be achieved at the financial level and incorporated into the general regulations of the financial industry. These are basic homework and the basis for the sustainable development of Internet finance.

In the long run, based on NFC applications, users can get 360-degree life service such as dining, leisure shopping, public transportation, attendance, check-in, and member identification.

In actual work, we found that the mobile Internet moves from the Web to the mobile phone, and returns from the virtual line to the real offline. It is back to the real life scene of merchants and users, and it is necessary to realize people and people online. Interconnection with things, things and things. The core of this round of big innovation and great transformation is that the life and services of the whole people are involved in the wave of informationization. The lives of ordinary people are colorful and diverse. The regional differentiation of the Chinese market is enormous. The applications and services provided by the mobile Internet must also be diverse, personalized and localized.

There are many emerging technologies in the mobile payment industry, such as NFC, HCE, QR code, sound wave, fingerprint recognition, etc. There is no good or bad point in technology. They all have their own special scenes and applications. However, any technical application scenario must take care of "both ends", merchants and users (referred to as B-side and C-side).

On the C side, we help operators integrate and promote some of their businesses. For example, the development of offline NFC exchange identification services based on coupons and movie ticket business, to create a “smart business circle”; to help some communities realize the “multi-card integration” intelligent transformation, to build a “smart community”; to participate in campus cards, etc. "Smart Campus" project and so on. At the B side, we assisted financial institutions such as UnionPay and Bank to research and explore NFC-based offline scenarios, transform traditional POS machines, and deploy new intelligent POS machines.

To do these businesses, you must go deep into the specific application scenarios such as campus, community and business district, and mobilize the huge “ground push” team to find problems and solve problems on the spot. In a sense, this is more like a traditional industry. The innovation of mobile Internet must have the hardship and practical spirit of farmers to cultivate land. It must be intensively cultivated to truly capture the needs of users and provide users with a more unexpected experience.

Further, the core of O2O is the offline market, which is called a real intelligent life "land revolution." This revolution has its own laws, and it needs to be explored in the "trial and error". It is not effective to greedy more and more quickly, and to encourage and promote the work of users.

E-commerce companies have struggled online for so many years, accounting for less than 8% of total social retail sales. Under the online, looking at the current domestic credit card consumption transaction amount, there will be 30 trillion yuan per year. In the future, mobile phone-based near-field payments account for one-fifth or one-quarter of the total, which is expected. However, this industry has a long industrial chain and many stakeholders. It cannot be based on cooperation and win-win. It is difficult to do things.

What is most lacking in the current line of business is the service provider that can really do “infrastructure”. To put it bluntly, there are already a lot of “real estate big names” in the mobile payment industry. What is missing is the “building team”, “contractor head” and “masonry”. Someone wants to build roads, bridges, and build houses. Some people go to work hard, work hard, and work dirty. In fact, innovation can only be found in these specific scenarios and can be discovered in practical applications.

The outbreak node of the mobile payment industry is coming step by step, and the market maturity will be an acceleration process. What we are seeing now is the emergence of some scattered application scenes, the "fire of the stars" everywhere, but not yet the time to "can smash the original".

The experience of reform tells us that piloting first and then implementing it on a large scale is China’s wisdom. The participants of the mobile Internet will exert their strength after calmness and reflection to truly provide a reliable and intelligent life service for the majority of users, and will usher in a real "golden period".

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