But the familiar taste adds a touch of sourness. According to litchi news, there are more than 200 businesses that can't withdraw cash by flash purchase, with a total amount exceeding 400,000. From July 8th, when the product went online, it could not be withdrawn on July 20th, and the product ran for less than 2 weeks.
Ya diu diu's situation doesn't seem so serious. According to Chongqing Radio and Television Station, there are 500 businesses affected by incomplete statistics, and the specific funds are still unclear.
"400,000 ran away, too worthless." A mobile payment network reader commented on the flash purchase incident.
It's not that more than 400,000 merchants don't pay their bills seriously, but that there are more such "big storms" in the payment industry.
Mobile payment network will find some problems when it makes incomplete statistics on representative payment-related enterprises that have accidents in recent two years.
Don't believe in fees, consumer rebates, and multi-level fission.
Take a recent flash purchase incident as an example. A flash purchase proposal can reduce consumer consumption and businesses can get subsidies.
In addition, users can get points after spending. If you spend 1 yuan, you will get 1 points. If you spend 1 points, you can get goods equivalent to 1 yuan in its mall. According to this number of sets, it is basically equivalent to buying one get one free.
Internet giants have led ordinary consumers astray, and they are used to free subsidies and exemptions at the same time. So even if it is not an activity initiated by the giants, some people still believe that "pies will fall from the sky." However, the reduction and exemption+subsidies, as well as consumer rebates that are basically equal to doing public welfare, are really beyond the reach of a small enterprise.
The Yadea incident in Chongqing also smells like "zero handling fee" which is familiar to the payment industry. In order to attract more merchants to settle in, Yadiudiu promised not to charge fees during the promotion period, which is an old saying in the payment industry. "You value other people's handling fees, and others value your principal."
On August 20 17, the letter shopkeeper, who ran away from the road, disclosed to the media that the letter shopkeeper had the characteristics of pyramid selling, such as paying for entry, developing hierarchical organizations, and giving rebates at different levels.
Fees, consumer rebates, subsidies, franchise fees ... this is all about escape and illegal games. Maybe it's greed There are still many consumers and businesses fooled, but the recent running events seem to be small in scale. Why?
Why is the time of "thunderbolt" getting shorter and shorter?
As can be seen from the table in figure 1 above, the online cycle of products of enterprises with running events is getting shorter and shorter. The influential Nomans runway incident lasted for 4 years and 6 months, and the long-term zero-charge strategy did not make the enterprise close down soon. Until the end of 20 17, the bank issued document No.217 to strictly investigate the unlicensed payment business. Only when the essence of Nomance was exposed did the phenomenon of running away appear. This is not a way to make quick money, and the amount and influence involved are immeasurable. This incident also indirectly caused several involved payment institutions to bear large fines from the central bank.
The big case of cloud payment, the aggregate payment, is not running, but operating without a license. It is not easy to achieve the capital flow of 65.438+0.79 billion, and it has been in operation for more than 65.438+0 years.
Recently, the phenomenon of running away has appeared again, and the operation time is getting shorter and shorter, and the scale is getting smaller and smaller. Perhaps because of the following reasons:
Central bank supervision has become stricter. Recently, the payment industry has ushered in a wave of fines. On August 7, the central bank fined four payment institutions nearly 100 million yuan. In addition, the withdrawal of Kayou and Fulinmen also makes the industry feel that the central bank is serious, and the review of agents and the opening of channels are more stringent. At the same time, in the past two years, the central bank has repeatedly mentioned the issue of "clearing the two accounts", and the margin of document 2 17 still exists, and the phenomenon of unlicensed payment business has been curbed.
Consumers and businesses are gradually maturing. In recent years, in the context of the rapid development of mobile payment, telecom fraud, bar theft, payment screenshots and other related issues have emerged, making consumers and businesses pay more attention to payment security. In addition, the situation of running in the acquiring industry is constantly emerging, which also makes businesses pay more attention to the safety of funds.
The charm of the payment industry is declining. As we all know, the payment industry is entering a low-profit situation. Moreover, in the case of stricter supervision, the illegal cost is also rising. In the case of zero handling fee, there were only more than 500 merchants in six months, but more than 5,000 merchants were developed in February. After experiencing the explosive growth of the total payment of 20 17, the market has gradually saturated.
In short, it is actually very simple to judge that the payment industry is running away, such as abnormal handling fee (generally 0.6%), subsidy rebate and high joining fee, which can basically be judged as abnormal business. Users and businesses are not greedy, and everything is simple.