随着时代的发展，移动支付正渗透于各行各业。支付宝作为中国的支付巨头，正在加紧进军国际市场的脚步。
(1) Take advantage of the “Belt and Road” opportunities to expand overseas markets
With the implementation of China ’s “Belt and Road” strategy, the economic and trade relations between countries along the route and China will be closer and closer, and contacts in various fields will be deeper, whether it is tourism or investment, Both will enjoy huge preferential policies. However, many countries along the “Belt and Road” are developing countries. Due to the development of Internet technology and mobile terminals, mobile payment is still in its infancy. As the giant of China Mobile Payments, Alipay has rich experience in product operation. With years of domestic accumulated experience, it will play a leading role in the development of mobile payment in these countries and help these countries complete the construction of mobile payment as soon as possible. In recent years, in Southeast Asian countries, the Internet is developing rapidly, and the penetration rate of mobile terminals is getting higher and higher. The traditional credit or debit card payment methods require certain financial infrastructure, but if mobile payment is used, huge amounts can be saved. The cost of facility construction directly enters the era of mobile payment, and then achieves leapfrog development. In the development of mobile payment, high technology and development experience are needed, and huge financial support is provided. However, in these countries, technology, capital and experience are very lacking. Therefore, as the main travel areas for Chinese tourists, these countries have close economic and trade cooperation with China. China Mobile Payments can make full use of its own advantages, help countries in these regions expand the mobile payment market, and promote the development of China Mobile Payments. overseas market. At present, Ant Financial has used this as an opportunity to establish a development model of "technical going to sea + local partners", and cooperate closely with countries along the "Belt and Road". Software development by local manufacturers and technical support provided by Alipay have won this model. Market praise. In March 2018, TMB, a small and micro bank in Pakistan, was acquired by Ant Financial to acquire a 45% stake. The main purpose is to further expand the Pakistani market, and is committed to building Easypaisa, the country ’s first mobile payment platform, into a Pakistani version of Alipay.
(2) Leverage host country partners and use localization strategies to open up overseas markets
As China's mobile payment giant, in the expansion of overseas markets, it faces the siege and competition of many domestic companies in the host country. Therefore, if the sole proprietorship is used to enter the market expansion, it will inevitably consume a lot of financial resources and energy, so it is recommended that Alipay can use capital injection, mergers and acquisitions, equity participation, etc. to expand the market of mobile payments and expand localization in the expansion of overseas markets. Management, to obtain maximum market benefits at the smallest cost. In platform-level company business development, whether it is traffic or scenarios, mobile payment plays an important role in it and is one of the important breakthroughs. Therefore, in the strategic development, Alipay can use the partners of localized companies to achieve "shipbuilding". Relying on this model, Alipay has successively invested in Kakao Pay in South Korea and Paytm in India. Tencent has taken a different approach, investing in many areas, such as JOOX, a free music platform in Thailand, and Ookbee, a digital content platform, and Ola, a ride-hailing vehicle in India, in order to seize more Internet portals and achieve a strategic layout. In addition, the payment vendors that cooperate with Royal Pay in Australia are not only Alipay, but also WeChat Pay and Wing Pay, all of which have cooperated in cross-border payments.
(3) Accelerate technology research and development, and effectively improve the security of mobile payment
Data security is an important topic that cannot be avoided in the Internet era. In mobile payments, security issues also attract attention. First of all, payment security is not only concerned about the identity verification, information exchange and data transmission of both parties of the transaction, but also involves the content of non-repudiation of the transaction. Therefore, how to ensure data security and ensure a secure payment environment requires Alipay to continuously carry out R & D and technological innovation in the field of security control technology. At the same time, the state should continue to improve the legal system for mobile payments, and make clear instructions on security-related control technologies. Only with the continuous improvement of legislation and the continuous innovation of the platform, can mobile payment become more and more secure, and the privacy and property rights of users can be guaranteed. One is to actively use public key infrastructure in the design, improve the certificate management strategy, and continuously conduct vulnerability tests, etc., and then establish a secure wireless network communication environment; the second is that Alipay company must strengthen security around hardware and software. From the top-level design, the possibility of intrusion may be broken; the third is to continuously strengthen the safety awareness of consumers to prevent future problems.
(4) Strengthen international cooperation and establish international uniform legal rules
In recent years, with the development of international economy and trade and the advancement of Internet technology, mobile payment is showing strong vitality and vitality. It can be said that in the future development, mobile payment will definitely become one of the main payment methods. Mobile payment has broad development prospects. Therefore, in the development of mobile payment, China should work with major countries to jointly explore unanimously approved mobile payment legal rules, actively coordinate mobile payment among countries, and strive to build a unified mobile payment platform and Clearing institutions to facilitate and facilitate trade development. However, in the process of development, although transactions are convenient and beneficial to economic development, it is also necessary to clearly recognize the importance of mobile payment, establish a national strategy as soon as possible, rely on development advantages, and strive to become a leader in international mobile payment, so as to master more words right. At present, although China's mobile payment market space continues to shrink, Chinese mobile payment giants have achieved remarkable results in the field of international payment. In the international mobile payment market, there is still huge room for development, and the prospect of mobile payment is still Very broad. Therefore, relevant state departments should issue policy plans as soon as possible to encourage and guide payment companies such as Alipay and WeChat Pay to expand into the international market, and promote the internationalization of these companies as soon as possible, thereby boosting China's economic development.
(V) Build a richer payment scenario and improve the Alipay user experience
Facing the localized e-wallet from overseas countries and domestic mobile payment companies' competition on the same platform, Alipay companies should strive to be invincible in the overseas market. The following two aspects
have substantial competitive advantages: First, build a richer payment scenario. In the development, it is necessary to further enrich the payment scenarios, expand the payment interface, optimize the payment experience, pay attention to marketing development, and use the word-of-mouth effect to achieve communication, thereby enhancing user stickiness and training a group of loyal fans. For example, in mobile payment, it can be deeply integrated from the scenes of catering, shopping, travel, etc., focusing on the layout of the "clothing, food, housing, travel" and other fields that are closely related to life, launching discount activities in a timely manner, and actively using social media , New media, etc. to promote, continue to expand the number of users, and continue to cultivate payment habits.
Second, improve the Alipay user experience. With the increasingly fierce competition, around the user experience has become the focus of the competition of major companies. Therefore, Alipay should pay attention to and pay attention to the user's payment experience, especially in the overseas payment process. For overseas cooperative merchants, Alipay can give full play to its own data advantages, provide merchants with targeted marketing plan design, help merchants gain competitiveness in the competition, and then improve merchants' operating level and profitability scale.
