Huawei said that the payment business does not compete with WeChat Alipay. Although the awareness of Huawei's payment is not strong, Ma Chuanyong, president of Huawei's payment business group, told the media in July 14 that Huawei's payment business has been cultivated for nearly ten years. Huawei said that the payment business does not compete with WeChat Alipay.
Huawei claims that the payment business does not compete with WeChat Alipay 1. Since last year, Huawei's payment has started to move frequently, including the acquisition of Xunlian Zhifu 100% equity and the acquisition of a mobile payment license. Huawei's online payment was officially launched. However, under the background that WeChat payment and Alipay payment have monopolized the entire domestic mobile payment market, what is Huawei's intention to attack the payment field at this time? How will it attack?
On July 14, Ma Chuanyong, president of Huawei's terminal cloud service payment BU, explained the development strategy of Huawei's payment business to the media such as Securities Times E Company for the first time.
Ma Chuanyong said that Huawei payment is positioned in an innovative full-scenario payment platform, not for WeChat payment and Alipay.
Differentiated Positioning of Huawei Payment
Ma Chuanyong told reporters that Huawei did not start to do payment business in the last two years, but almost kept pace with the development of smart phones. Huawei started to provide Huawei in-app payment from 20 1 1. At that time, it mainly provided payment channels for applications in Huawei's application market.
In the past ten years, Huawei has made products such as Huawei Pay in the payment field, and established a global payment network based on hardware, including cooperation with UnionPay and banks to empower partners to receive and pay.
"Overall, we have been doing payment business for more than 65,438+00 years. In fact, we have been doing some industry cooperation, giving full play to the advantages of our combination of software and hardware to provide a safer and more convenient experience. " Ma Chuanyong said.
The ecology of HarmonyOS system is facing a multi-terminal and multi-industry scene. In the future, HarmonyOS will not only appear on mobile phones, tablets and cars, but also on KTV song-ordering machines and advertising screens.
"Huawei Payment is the underlying infrastructure of HarmonyOS's system ecology. By deeply integrating the payment ability with the HarmonyOS system, Huawei's developers and partners can directly complete the business closed loop in the ecosystem of HarmonyOS system, and users can conveniently and safely complete the payment. Therefore, Huawei payment is not only a mobile payment, but also an innovative full-scenario payment platform. " Ma Chuanyong said that this is the differentiated positioning of Huawei payment in the industry.
It is understood that in 20 19, Huawei released the HarmonyOS OS, a full-scene distributed operating system, which will be upgraded on Huawei mobile phones in 2020. In 20021March, Huawei acquired the equity of Xunlian Zhifu 100% and obtained the mobile payment license. In September of 20021year, online payment of Huawei Payment was officially launched. Huawei Payment relies on Huawei Wallet as the management entrance to provide individual users with services such as balance payment, bank card payment, red envelope, recharge and cash withdrawal. It also provides services such as fund settlement, automatic account allocation and marketing empowerment for enterprise users to quickly integrate their payment capabilities.
Non-standard WeChat payment, Alipay
It is worth mentioning that since 20 14 years, the mobile payment market in China has developed rapidly with the promotion of large-scale technology companies such as Alibaba and Tencent. Nowadays, the merchant system of WeChat payment and Alipay has almost covered all kinds of large, small and fragmented payment scenes such as supermarkets, roadside stalls and vegetable markets, and both of them have occupied more than 90% of the domestic payment market.
In this regard, Ma Chuanyong said, "Huawei Payment, WeChat Payment and Alipay are not competitive. They are all partners of Huawei. In fact, Huawei Payment currently focuses on user experience innovation and improvement. In the future, new scenes and new markets will increase, and users will like to pay with Huawei, so our share will increase. " For the specific new scene, he thinks that the payment scene in the car is one of them.
It is understood that with the release of AITO M7, some automotive applications have taken the lead in realizing in-car face payment through Huawei payment. Different drivers will make corresponding face recognition according to different accounts when paying in the car, so as to strictly protect personal privacy and data security. In addition, based on the location service, when a user drives past a gas station, opening Huawei Wallet App will automatically pop up a reminder card of the location and preferential information of the gas station, and the user can click the card to pay quickly and refuel the vehicle without getting off the bus.
In addition, Huawei also launched a double-click power button payment experience, without opening the APP or the network, and directly adjusting the payment code for payment. When the user uses the internal screen of the mobile phone for mobile phone applications such as work meetings, video calls, audio-visual games, etc. Double-clicking the power button can also realize the convenient experience of uninterrupted current activities and synchronous payment.
At present, Huawei Payment has covered Huawei applications and some third-party applications, including Huawei Music, Huawei Video, Huawei Wallet, Mango TV and Daoyun Notes. At the same time, Huawei Payment has also supported the binding of hundreds of bank cards.
Ma Chuanyong revealed that up to now, the monthly users of Huawei wallets have reached 654.38 billion, and Huawei's payment users have grown very fast.
Talking about the profit model of Huawei payment, Ma Chuanyong said that the profit model of payment itself is very simple, and the profit model of all companies is transaction flow. At present, Huawei pays more attention to the added value brought by payment, such as Huawei's game ecology, music ecology and video ecology. So many users are paying with Huawei, and the value it brings is more meaningful to us.
Huawei said that the payment business does not compete with WeChat Alipay. Judging from Huawei's recent promotion actions, Huawei began to pour more resources into the payment field.
In March, 20021,Huawei acquired the equity of Xunlian Zhifu 100% and obtained the mobile payment license. Up to now, Huawei Payment has covered Huawei applications and some third-party applications, including Huawei Music, Huawei Video, Huawei Wallet, Mango TV and Youdao Notes. At the same time, Huawei Payment has also supported the binding of hundreds of bank cards.
Although the awareness of Huawei's payment is not strong, on July 14, Ma Chuanyong, president of Huawei's payment business group, told the media that Huawei's payment business has been cultivated for nearly ten years. "From 201165438+February, Huawei started in-app payment. Previously, it mainly provided payment channels for applications in the Huawei application market. "
However, judging from the current domestic mobile payment industry, the duopoly market pattern of WeChat payment and Alipay has been formed. Where are Huawei's opportunities? In this regard, Ma Chuanyong said, "In the era of mobile Internet, payment is facing the industrial status quo of slow innovation, and with the launch of HarmonyOS's operating system, new scenarios will emerge."
Is it competitive with WeChat and Alipay?
Since 20 14, the mobile payment market in China has developed rapidly, driven by large technology companies such as Alibaba and Tencent. Nowadays, the merchant system of WeChat payment and Alipay has almost covered all kinds of large, small and fragmented payment scenes such as supermarkets, roadside stalls and vegetable markets, and both of them have occupied more than 90% of the domestic payment market.
What makes the outside world curious is that in the market environment where WeChat payment and Alipay have developed so maturely, what is Huawei's purpose in cutting into the payment market now?
In this regard, Ma Chuanyong responded: "Functionally, payment is one of the core functional components of closed-loop transactions in the underlying ecosystem. Payment products born in the mobile era will play a more important role in the ecological closed-loop business in the Internet of Things era. "
He said that the new form of mobile payment does not need to open the mobile phone related APP to "sweep", but can be done through any terminal such as mobile phone, watch and car. For example, in the travel scene, when Huawei mobile phone users drive near a gas station, they will receive the message service from the nearby gas station. Users can freely choose the fuel number and quantity, and they can complete refueling without even getting off the bus after using Huawei to pay.
In addition, Ma Chuanyong also said, "Huawei Payment, WeChat Payment and Alipay are not competitive. They are all partners of Huawei. In fact, Huawei pays more attention to the user experience at present. In the future, when new markets increase and users like to pay with Huawei, our share will increase. " For the specific new scene, Ma Chuanyong thinks that the payment scene in the car is one of them.
When talking about whether Huawei Payment will make large subsidies to attract users in the early stage of development, Ma Chuanyong said: "Expanding market share is not the purpose of Huawei Payment. We are not essentially fighting against other payments. Payment engine is one of the' five root services' provided by Huawei to developers around the world. Huawei payment is one of the core components of HarmonyOS's system ecological capability and business closed loop, and this road must be taken. "
In 20 19, Huawei released the HarmonyOS OS, a full-scene distributed operating system, and started to upgrade on Huawei mobile phones in 2020. By the end of April 2022, there were more than 240 million Huawei devices equipped with HarmonyOS system.
In the specific market, Ma Chuanyong said that Huawei will focus on China first. "After getting the license, we must first do a good job in domestic product experience."
Pay attention to the added value brought by payment
In recent years, many new players have entered the third-party payment market. Outside Huawei, Internet companies including Pinduoduo, Aauto Quicker and Tik Tok all obtained payment licenses through acquisitions. Internet giants use their own traffic to build a payment system, which will not only help consumers gradually "circle" into their respective ecosystems, but also promote them to incite more financial services through payment.
However, Ma Chuanyong said that Huawei payment is a payment tool and does not set foot in financial services. According to him, at present, the monthly users of Huawei Wallet reach 654.38+0 billion, and the number of users is still growing.
When talking about Huawei's internal profit requirements for payment business, Ma Chuanyong responded: "Generally speaking, transaction flow is the profit model of payment companies, but Huawei pays more attention to the added value brought by payment, such as Huawei video, Huawei music and other application ecosystems."
However, the reporter noted that at present, Huawei Pay and Huawei Pay still need to be "bundled" independently and have not been fully opened. From the positioning point of view, the former is the entrance for Shenzhen Xunlian Zhifu Network Co., Ltd. to provide payment account management and payment services with the permission of the People's Bank of China and relying on Huawei wallet as the management entrance. The latter is the mobile phone flash payment capability launched by Huawei Wallet and UnionPay * * *, which supports payment methods such as NFC payment, UnionPay QR code and online payment.
At the same time, in terms of openness, WeChat Pay and Alipay serve all mobile operating system terminals, while Huawei's payment goal is to cover the whole scene of HarmonyOS system as the infrastructure. When talking about whether Huawei payment will be applied to third parties independently of Huawei system in the future, Ma Chuanyong said, "Whether APP operates independently depends on market demand; Whether the third party introduces Huawei payment is based on the strategy of partners, but what we have to do is to support them. "
Although Huawei payment has been launched at present, it is difficult to change the current two-strong pattern of mobile Internet payment market in a short period of time, and Huawei payment still has a long way to go.
Huawei said that the payment business does not compete with WeChat Alipay. 3 "The monthly users of Huawei Wallet have reached 654.38 billion. With Huawei wallet as the entrance, Huawei payment has developed very fast. With the release of AITO M7, some in-vehicle applications can realize face payment in the car through Huawei payment. " On July 14, Ma Chuanyong, president of Huawei's terminal cloud service payment BU, told the Shanghai Stock Exchange.
Since 202 1 Huawei obtained the payment license, Huawei's every move in the payment field has attracted much attention from the market. Why should Huawei pay the bill? What changes will Huawei bring to the mobile payment market? At the moment when Alipay and WeChat payment have taken shape, what other differentiated advantages can Huawei pay? What does Huawei want to do in the future? The industry is full of curiosity.
On July 14, Huawei held a media communication meeting at Shenzhen Bantian Base. Ma Chuanyong, president of Huawei's terminal cloud service payment BU, responded to the above questions.
Don't rob the cake.
Alipay and WeChat Pay are partners.
In September, 20021,Huawei officially entered the field of mobile payment as a licensee, which once triggered a discussion on whether the mobile payment market should stage the "Three Kingdoms Kill". However, Ma Chuanyong said that Alipay and WeChat Pay are partners, not rivals.
"Our goal is to build the entire ecological infrastructure of the HarmonyOS system. In the HarmonyOS system, we hope that Huawei Payment can empower users in the whole process of account opening, card binding, bill collection and transaction, so that users can enjoy a full-scenario and cross-terminal convenient payment experience with only one Huawei account. " Ma Chuanyong said.
For example, he said that based on the multi-terminal collaboration of HarmonyOS system, the payment operation on various Huawei terminal devices can be transferred to mobile phones across terminals, so that users can complete the payment conveniently and safely. For example, when purchasing a service on the smart screen in the future, the payment instruction will be automatically transmitted to the mobile phone. The user only needs to enter the password or unlock the fingerprint on the mobile phone, and can quickly complete the payment, without using the remote control to perform any operation on the smart screen, and without opening any payment APP scan code.
Not only that, Ma Chuanyong pointed out, "Huawei has also made some explorations and innovations in the field of digital RMB. Signed a strategic agreement with digital currency Research Institute of China People's Bank, and Huawei participated in the research and formulation of digital RMB hardware wallet standards, providing technical foundation and empowerment for digital RMB hardware wallet. Mate40 series is the first smart phone in China that supports digital RMB hardware wallet. The most direct way for digital RMB to reach users is to cooperate with mobile phone manufacturers. "
Pay attention to the system ecology of HarmonyOS, step by step.
Huawei pays to get on the bus.
Ma Chuanyong pointed out that HarmonyOS OS is an intelligent terminal operating system facing the era of Internet of Everything, and Huawei Payment is the underlying infrastructure for building the system ecology of HarmonyOS. Therefore, Huawei payment is not only a mobile payment, but also an innovative full-scenario payment platform.
At Huawei's flagship store in Zone G of Huawei Bantian Base in Longgang District, Shenzhen, the reporter saw that on the new car AITO Wenjie M7 jointly released by Huawei and Selis, due to the intelligent cockpit system of HarmonyOS system, some in-vehicle applications such as Huawei Music can be paid by Huawei in the car.
Moreover, based on the geographical location service, when a user drives past a gas station, opening Huawei Wallet App will automatically pop up a reminder card of the location and preferential information of the gas station, so that the user can click on the card to pay quickly and refuel the vehicle without getting off the bus.
"We want to open a new scene-based payment service and make an increment in the field of mobile payment. Maybe this new payment scenario will become the mainstream scenario in the future? " Ma Chuanyong pointed out, "With the continuous growth and expansion of HarmonyOS's system ecology, more new payment scenarios will be generated on more terminal devices. Huawei Payment will give full play to the advantages of soft and hard combination, and through multi-terminal collaboration, it will be deeply integrated with the ecology of HarmonyOS system, bringing users an efficient and secure payment experience. "
Ma Chuanyong told reporters that Huawei will continue to strengthen cooperation with partners from all walks of life and expand more payment scenarios in the ecosystem of HarmonyOS, including express logistics, smart e-commerce, travel accommodation, prepaid payment, car owner service, catering supermarkets, online mutual entertainment, financial insurance, etc.
Ma Chuanyong said that Huawei has not set specific business targets for how long the payment will last and how much it will take. "With the upgrading of user experience, the increasing number of devices and the continuous coverage of new scenarios, we believe that in the future payment scenarios, Huawei payment will become a real tool used in daily life, at least one of them. "