From the China Everbright Bank data show, as of the end of June, China Everbright & ldquo; cloud payment & rdquo; platform can already to customers provide including water, electricity, gas charges payment of life, including 500 based convenient payment services, covering 29 provinces, 270 cities, the number of service of 3 billion, more than 100 partners, which an important partner Alipay and micro channel customers compared to the beginning of the year, an increase of more than 200%, an increase in the first half of this year, the median income of nearly 150%, this is China Everbright & ldquo; cloud payment & rdquo; hand over half the respondents.
A medium national joint-stock commercial banks, how to achieve the largest open network payment platform?
Technological innovation: to create an open platform:
Back in 2008, China Everbright Bank began to develop and build a public payment platform for all banks to open and benefit the public, which is advocated by “ open, convenient, comprehensive ” user experience, so that the platform has quickly won the public, third party support and peer recognition.
As an open platform, “ cloud payment ” not only for China Everbright Bank's own customers, other banks and third party payment companies can also be synchronized access. And access to “ cloud payment ” platform, can be a single payment for each agency to save marketing costs, development costs, the cost of a series of cost.
At present, “ cloud payment ” has opened up the PC side, the mobile terminal, the line POS machine and other types of payment, the network payment items include water, electricity, communications, gas, etc., more than 500 business.
“ today, the rapid development of Internet banking today, we want to use the Internet and Internet technology, through cooperation with Internet companies and peers, so that the traditional and basic financial services with new vitality. ” general manager of China Everbright Bank Electronic Banking Department Yang Bingbing said.
Reporters learned that the payment service itself is very small profit margins, while the supply chain to the agency provided by the previous time and technical costs of the supply chain. And after the platform products, to take a unified interface, unified clearing, a little access to the standardization of applications, the front end service is more convenient. As a result, many banks and third party agencies for cost control considerations, have chosen to work with “ cloud payment ” cooperation.
For China Everbright Bank, 6 years to create a variety of rich, powerful, stable open network platform, the cost of investment is undoubtedly huge. However, with the expansion of the project scale and the output of a project to a number of agencies, the cost of the initial cost is gradually shared. At present, “ cloud payment ” as a mature product, already have the conditions for the functional products, which is the line now to spare no effort to build the brand important reasons.
“ through the operation of the market, before the partnership has become a platform for customers, so not only is more conducive to the third party to provide services, but also become the starting point of electronic banking innovation. &rdquo Yang Bingbing.
