全球领先的新经济产业第三方数据挖掘与分析机构
关于“支付宝”的报告
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艾媒报告|2019中国第三方B端支付市场专题研究报告
本报告研究涉及企业/案例/品牌：拉卡拉,苏宁支付,易宝支付，银联商务，通联支付，瑞银信，随行付，银盛支付
iiMedia Research（艾媒咨询）数据显示，2018年中国实有各类市场主体11020万户，其中个体工商户规模超7000万户，庞大的企业市场主体催生了支付机构服务B端的巨大市场。而针对B端支付的业务中，收单业务成为第三方B端支付企业重点挖掘的对象。截至2019上半年，中国联网POS机已达3287.3万台，每万人对应POS机235.6台。小微商户除了收单业务外，对于营销、财务管理等服务也具有较高的使用需求。iiMedia Research（艾媒咨询）数据显示，85.4%的受访商户表示会关注第三方支付平台增值服务的提供情况。但受限于经营体量，它们难以开发相关业务系统或寻找适合的服务渠道。而第三方B端支付平台也开始以支付为切口，为小微商户提供增值服务，以更好地赋能商户经营。
As the data of iiMedia Research showed, there were 110.2 million market entities in China in 2018, of which more than 70 million businesses were self-employed, and the huge market participants gave birth to a huge market for payment institutes to serve merchants. Among all the business for merchant payments, receipt business becomes the focus of third-party merchant payment enterprises. As of the first half of 2019, the connect POS has reached 32.873 million units, with 235.6 POS per 10000 people. In addition to receipt business, small and micro enterprises also have a high demand for marketing, financial management and other services. As the data of iiMedia Research showed, 85.4% of the interviewed enterprises expressed concern about the value-added services provided by the third-party payment platforms. However, limited by their business volume, it is difficult for them to develop relevant business systems of find suitable service channels. The third-party merchant payment platform has begun to take payment as a starting point to provide value-added services for small and micro enterprises, in order to better enable enterprises to operate. -
艾媒研报|拉卡拉(300773.SZ)：一波三折终上市，收单还能撑多久
本报告研究涉及企业/品牌包括：拉卡拉、联想控股、微信、支付宝、VISA、西藏旅游、考拉金服、财付通、银联商务、通联支付、汇付天下、国付宝、智付、杉德支付、联动优势、银盛支付、卡友支付、付临门支付、随行付、易生支付、北京爱农驿站、易宝支付
C端支付行业饱和，B端支付增速放缓。C端支付市场，支付宝、财付通双寡头格局形成。艾媒北极星系统显示2019年2月支付宝月活跃用户数高达55,651.99万，稳居第一地位，排名第二的翼支付仅有支付宝的1/7，排名第八的拉卡拉支付仅为支付宝1/813倍。B端支付市场方面，2018年联网POS机和银行卡联网商户数达2,733万台和3,451万户，同比增长9.49%和5.42%，增速有所下滑。同时，第三方支付行业政策趋严，2018年，央行对第三方支付违规处罚力度空前。第三方支付机构至少收到2.03亿元处罚。但随着行业逐步规范化，中小支付机构运作成本增大，行业资源将向更加规范的头部企业聚集，与其他体量较小的支付机构拉开差距。
C-end payment industry saturated, B-end payment growth slowed down. Alipay and Cai Fu Tong formed a duopoly pattern in the C payment market. Polaris System of iiMedia shows that the number of active users of Alipay in February 2019 has reached 556.52 million, ranking the first place. Second is Wing Payment accounting for only 1/7 of Alipay's, while the eighth ranked Lakala only 1/813 times of Alipay's. As for the B-end payment market, the number of online POS machines and bank cards reached 27.33 million and 34.51 million in 2018, an increase of 9.49% and 5.42% over the same period of last year, and the growth rate declined slightly. At the same time, the third-party payment industry policy has become stricter. In 2018, the central bank imposed unprecedented penalties on third-party payment violations. Third-party payment agencies received at least 203 million yuan in penalties. However, with the gradual standardization of the industry, the operating costs of small and medium-sized Payment institutions increase, and industry resources will gather to more standardized head enterprises, which will open the gap with other smaller payment institutions. -
艾媒报告|2018-2019中国线下零售交易现金与网络支付行为状况调查
2018年12月，盒马鲜生因“拒收现金”被央行约谈。iiMedia Research(艾媒咨询)数据显示，预计2019年中国移动支付用户将超7亿人，中国移动支付交易规模将持续增长。在移动支付普及的情况下，部分商家“拒收现金”问题凸显。过半受访网民外出仍选择携带少量现金，银行卡绑定、支付平台操作成60后移动支付使用重要门槛。
As the data of iiMedia Research showed, it is estimated that China Mobile will have more than 700 million mobile payment users in 2019, and the scale of China Mobile payment transactions will continue to grow. In the case of the popularity of mobile payments, the problem of “rejecting cash” by some merchants is highlighted. More than half of the Internet users surveyed still choose to carry a small amount of cash, bank card binding, payment platform operation intoPost-60s mobile payment use important threshold. -
艾媒报告|2019中国刷脸支付技术应用社会价值专题研究报告
本报告研究设计企业/品牌/案例：支付宝
2019年上半年移动支付交易规模达166.1万亿，在移动支付市场规模逐渐扩大以及人脸识别技术发展渐趋成熟的背景下，刷脸支付开始崭露头角。iiMedia Research(艾媒咨询)数据显示，预计2022年中国刷脸支付用户规模将超7.6亿人。刷脸支付的发展以及普及，对于用户、商家以及社会有着重要价值。对于用户而言，刷脸支付省时、便捷、体验好和能实现信息与交易安全保障。iiMedia Research(艾媒咨询)数据显示，受访用户对在流程耗时、便利程度、支付体验、交易安全和信息安全五个方面对刷脸支付的满意度分别为8.1、7.3、7.3、7.1和7.0，高于其他非现金支付方式的满意度。对于商家来说，刷脸支付赋能商家的经营发展，帮助他们改善排队效率、提高顾客好评率、提高竞争力和增加客流。九成的受访商家认可接入刷脸支付后，顾客排队效率和顾客好评的提升。刷脸支付的发展同时也带动着上下游产业的发展，促进硬件制造商、传感器制造商等新产业新职业就业的发展，为社会带来巨大价值。
In the first half of 2019, the transaction scale of mobile payment reached 166.1 trillion yuan. In the context of the gradual expansion of the mobile payment market and the gradual maturity of face recognition technology, the face-scanning payment has begun to emerge. As the data of iiMedia Research showed, it is estimated that the scale of users of face-scanning payment in China will exceed 760 million in 2022. The development and popularity of face-scanning payment is of great value to users, corporate and society. For the user, the face-scanning payment saves time, is convenient, and ensures information and transaction security. As the data of iiMedia Research showed, the respondents' satisfaction with the face-scanning payment in terms of spending time, convenience, payment experience, transaction security and information security are 8.1, 7.3, 7.3, 7.1 and 7.0, higher than other non-cash payment methods. For merchants, the face-scanning payment empowers their management, helping them improve queue efficiency, improve customer feedback, improve competitiveness and increase customer flow. Ninety percent of the surveyed merchants recognized the increase in customer queuing efficiency and customer praise after accessing the face-scanning payment. The development of the face-scanning payment also drives the development of upstream and downstream industries, and promotes the development of new occupations and employment in new industries such as hardware manufacturers and sensor manufacturers, bringing great value to the society. -
艾媒报告 |2019Q1中国移动支付市场研究报告
本报告涉及企业/品牌包括：微信支付，支付宝，花呗，蚂蚁财富，芝麻信用，网商网，腾讯理财通，小微企业贷，微粒贷借钱，微众银行，网商银行，RiverPay，PayPal，亚马逊，Facebook,google ,阿联酋清算有限公司
得益于支付宝、微信支付等产品的发展成熟，中国移动支付发展成熟度在全球具有领先优势。移动支付已成为中国网民支付的主要方式。iiMedia Research（艾媒咨询）数据显示，2018年中国移动支付用户规模达到6.59亿人，每月移动支付金额占总支出比例超过75%的用户达到43.6%，“无现金时代”有望实现。目前支付宝、微信支付双寡头主导中国第三方移动支付市场，二者交易规模市场总占比超过九成。其中线下生活场景微信支付占优势，线下小额扫码支付偏好使用微信支付的用户达54.9%；线上电商场景则由支付宝占优势，线上大额扫码支付偏好使用支付宝的用户达到64.9%。发达城市与下沉城市移动支付用户需求存差异，三四线城市用户线上线下都更爱用微信支付，占比分别为58.6%和72.5%；而一二线城市用户线上支付偏好用支付宝的比例则高达72.0%。未来移动支付企业对于市场的争夺将更加聚焦于场景的争夺上，在下沉市场的竞争也是未来的关注重点。
With the maturity of products such as Alipay and WeChat payment, China Mobile payment market development maturity has a leading position in the world. Mobile payment has become the main method of payment by Chinese netizens. As the data of iiMedia Research showed, the number of mobile payment users in China reached 659 million in 2018, and the monthly mobile payment accounted for 43.6% of the total expenditure. The “no cash era” is expected to be realized. At present, Alipay and WeChat payment duopoly dominate China's third-party mobile payment market, and their market transaction size exceeds 90% of total maket. Among them, WeChat payment is dominant in the offline life scene, it is 54.9% of users who prefer to use WeChat payment in the offline small scan code payment; the online e-commerce scene is dominated by Alipay, it is 64.9% of users who prefer to use Alipay in the online large amount of scan code payment. The demand for mobile payment users in developed cities and sinking cities is different. Users in third- and fourth-tier cities prefer to use WeChat payment online and offline, accounting for 58.6% and 72.5% respectively; while online payment preferences for users in first- and second-tier cities use Alipay. The ratio is as high as 72.0%. In the future, the competition for mobile payment companies will focus more on the competition for the scene. The competition in the sinking market is also the focus of the future. -
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