Jingdong Finance launched the “White Strip Flash Paymentâ€, which is a joint electronic debit card that cooperates with the bank. It can be used in any payment scenario by binding it to Apple Pay, Huawei Pay and other mobile payment tools. UnionPay flash pays POS machine for payment.
Guo Tianyong believes that this happens to be the landing of the central bank's policy on the classification and management of bank accounts. In December 2015, the central bank issued a Notice on Improving Personal Bank Account Services and Strengthening Account Management (hereinafter referred to as the “Noticeâ€), requesting the establishment of a bank account classification management mechanism to classify personal bank accounts into Class I banks. Accounts, Class II bank account Class III bank accounts, of which Class II households can complete the account opening online, but need to submit the bank card number and ID number of the Class I account for identification, functionally cannot access cash, can not be tied to non-tied Set account transfer, but you can purchase financial products such as investment and wealth management, and can pay for consumption.
Guo Tianyong, director of the Banking Research Center of the Central University of Finance and Economics, said: "In essence, the cooperation between white bars and banks, for white bars, is to open more channels for offline payments with the power of banks, rather than working with banks. From the perspective of the bank, the reason for the cooperation with the white strip is that the bank has the qualification to issue the card and can provide the second-class account. This is the premise of cooperation. In addition, through cooperation with the white strip, the new business can attract more. The customer opens an account and enhances the user's mobile consumer financial experience. This cooperation can be said to be a mutually beneficial win-win situation."
Guo Tianyong generally believes that the application scenarios of Jingdong Finance's white strips are mainly carried out in Jingdong Mall, providing consumers with diversified and credit sales services. From the practice point of view, the white strip has been on the line for more than two years, which has increased the trading volume of the mall and attracted many new customers. At the same time, Baizhi's asset securitization products are also recognized by investors.
From the perspective of long-term development, the white strip will expand the business more, complement the commercial banks, and extend the use of white strips from online to offline. If Jingdong Financial White has been staying online, it will not be able to enter the public scene. Extensive use, this new business cooperation can be said to be an innovative breakthrough in the context of policy regulation.
“While the white bar cooperates with the bank, it realizes the offline consumption payment through the payment channel such as Apple Pay. The source of funds is not the advancement of the commercial bank, but the consumer credit provided by the Jingdong Finance. From the operational content, the new The completion of the business can be divided into two steps: the first step is that consumers consume online on the POS machine through Apple pay, Huawei pay, etc., which is a consumer behavior; the second step is the service provided by the white bar, and its financial support belongs to consumption. Credit behavior.†Guo Tianyong further stated that “financial science and technology institutions have strong internal innovation capabilities, but they have relatively few licenses and financial resources compared to traditional financial institutions. Therefore, they have been actively utilizing technological advantages and exploring new businesses through means of integrating resources. On the one hand, financial technology companies provide customers with more consumer scenarios and payment methods to enhance customer stickiness and attract more customers. On the other hand, they are also conducive to their own business iteration and development."
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