Alipay traditional bank

In the past, the biggest reason why banks agreed to access Alipay express payment method was that they could not help themselves. Banks that are unwilling to access Alipay may face the elimination of the times, unless all banks join hands to reject Alipay, but this is impossible. First of all, this is an obvious monopolistic behavior and violates the unfair competition law; Secondly, banks are not monolithic. They have competition. Banks that cooperate with Alipay have advantages. Uncooperative banks will lose their competitive advantage, leading to a decline in performance.

At first, Alipay was just a guarantee tool. Ma Yun's Alibaba started as an e-commerce. The biggest problem with online shopping is that buyers and sellers don't know each other and can't meet each other. Trust is out of the question.

In order to solve the problem of mutual distrust between buyers and sellers, Alibaba became an intermediate guarantor. The buyer put the money into Alipay first, but the seller can't get the money for the time being. Only after the buyer receives the goods and confirms that there is no quality problem will the money be transferred to the seller.

In order to be a good middleman, Ali even claimed that if all the losses caused by the other party's fraud were borne by Ali and acted accordingly, this would solve the trust problem. With the prevalence of online shopping, people's shopping concepts have gradually changed, and more and more people have begun to accept online shopping. Today, online shopping is almost the first choice for most people.

In fact, even today, people still don't believe in the transaction objects they have never met, but feel that using Ali and Alipay will not be cheated. It is difficult to trust this thing, but once it is formed, it becomes a habit.

With more and more people starting to buy online, there are more and more loyal "fans" of Alipay. Alipay has become a national software, with more users than any big bank.

With the mass base, Alipay began to enter the position of traditional banks to attack the city. About 20 14, Yu' ebao was born. This thing is not new, but it is essentially a money fund. Only in the past, only banks issued money funds, and few people bought them.

The reason is that the money fund is not "close to the people" at all because of its high purchase threshold and complicated procedures. Just like the attitude of banks to the people ten years ago, it feels that "Laozi is invincible in the world".

Yu 'ebao is different. You can buy it for one yuan. When you want to get it back, the second is up, and the income is updated every day, so that most people in China can enjoy the "income after sleep" for the first time.

Alipay really treats customers as "gods". At that time, there was a craze for buying Yu 'ebao in the society. The problem is that the funds are fixed. There is more money to buy Yu 'ebao and less money to buy time deposits and wealth management products. The latter two are the source of profits for banks.

1 It doesn't matter to the bank that people don't save money. 1100,000 people,1100,000 people or even more people transfer funds to Alipay (Yu 'ebao), which is different. Banks realized that their market share had been seized, and the era of lying down to make money is gone forever. Alipay turned the advantages of users and traffic into financial advantages, and finally became a channel provider.

In addition to the four state-owned banks and other super giants, which bank Zhang San wants to deposit money for wealth management depends on which bank Alipay provides. The situation is better than people. Under such circumstances, basically no bank is unwilling to cooperate with Alipay.

The last point is related to the regulatory environment at that time. To tell the truth, our finance is still relatively backward and closed. At that time, the country hoped to make some financial innovations and move closer to developed countries in Europe and America, so Alipay was not subject to too much supervision.

Most of them are "harmony between people", the bank wants to cooperate with Alipay is "geographical advantage", and the relaxed regulatory environment is "time". Under favorable conditions, Alipay not only successfully accessed the fast payment methods of major banks, but also obtained other financial resources.