One: Financial system Today, mobile payment plays a very important role around us, bringing great convenience. We often go out and always bring only one mobile phone. As long as the mobile phone has electricity, we are at ease wherever we go. The most important thing is the birth of the third-party payment platform. For convenience, people often bind our bank cards on the third-party payment platform. For convenience, they may directly deposit some cash on the third-party payment platform to facilitate the use or purchase of wealth management products. This is equivalent to the third-party payment platform has a part of cash, so this part of cash can support the lending service of the platform, which is equivalent to the role of an online bank and gradually develops into a perfect financial system.
Second, because mobile payment is becoming more and more convenient, more and more people use advertisements, and third-party payment platforms have huge traffic, so the profit model can be equated with the problem of how to realize traffic. The most direct way is to cooperate with merchants to advertise. In addition to advertising, another form of traffic realization is cooperation with many businesses and fields such as daily consumption, entertainment and travel.
Three: Multi-field cooperation Because there are quite a few choices in various fields such as consumption, entertainment and travel, cooperation with third-party payment platforms undoubtedly greatly improves convenience and brings customer stickiness. Choosing to cooperate with merchants in many fields is also a way conducive to the further development of third-party payment platforms, and it is a way of complementing each other's advantages and achieving each other. Because of the combination of multiple resources such as people flow and cash flow, it is also more conducive to the further horizontal development of third-party payment platforms in more forms.