Does Alipay's charge for credit card repayment have an impact on traditional banks?

On March 26th, Alipay began to charge for credit card repayment, and the charging standard was the same as WeChat, one thousandth. In this way, the two major Internet payment ports, WeChat and Alipay, have unified their caliber, and credit card repayment has entered the charging stage.

Obviously, the reason why Alipay and WeChat charge such fees is because banks charge Alipay and WeChat fees. Earlier, Alipay and WeChat did not exist as financial institutions, but opened accounts in many banks, similar to depositors. Then, if you transfer from one bank to another, you can use the balance in your bank account to settle the account. Later, Alipay and WeChat gradually became private financial institutions, and the central bank began to collect reserve funds. In this way, the transfer of funds to other banks is basically similar to the transfer business. So there is an intermediate cost.

For traditional banks, this is definitely bad news, and it certainly looks like good news. The reason for the bad news is that the convenience of Alipay and WeChat and the internal fund pool are already quite huge. This is just like many bank internal transfer services do not charge. There is no charge for Alipay to Alipay and WeChat to WeChat. If WeChat and Alipay charge out, it actually blocks the transition of these huge Internet payment institutions to traditional banks. Obviously, both Alipay and WeChat are now trying to open their credit card business. Wechat is not official yet, but Alipay has a flower garden (WeChat has no business similar to flower garden, which I have never understood). Bud is a credit card. If other credit cards are charged, can it be understood that most people tend to use flowers?

Therefore, in fact, it is difficult for traditional banks to make a comeback now, and it is very difficult to make use of the number of users in the inherent pool to become bigger and stronger.