I recently came into contact with the mobile payment industry and saw many articles about mobile payment. This is a major trend in the industry, and it is a hot term for the financial industry at this stage. But let’s not talk about the hot words of the industry today. Today, we are mainly to learn about the knowledge of POS machines. Although we have entered the era of mobile payment, the existence of POS machines is still irreplaceable.
We must know that it took 300 years for the development of cash, 50 years for the development of bank cards, 10 years for online payment, and only 3 years for mobile payment. Assuming that POS machines will die out in the near future, but existence is It is reasonable that at this stage, or even longer, POS machines will not be replaced.
Although it is the advent of the mobile payment era, major corporate giants such as Alipay, WeChat Pay, and JD Pay have launched an offensive to compete for the sweet pastry of mobile payment. But looking around, from shopping malls and large shopping malls to convenience stores and community commissaries, the small black boxes are still on the checkout counter, and many consumers still actively ask to use POS machines to swipe their cards.
The main points are as follows:
1. The habitual thinking of merchants and consumers has not been broken;
2. Security issues. The security system of the POS machine system tends to be perfect, while the security system of mobile payment is still in its infancy;
3. Merchants have accumulated many years of POS machine acquiring system, which has formed a large amount of data, and they are unwilling to give up POS machines to use mobile payment in the short term;
4. The potential market of mobile POS machines is unlimited data, and it is not inferior to remote payment.
Because of the formation of a market's consumption habits, it takes a very long time to accumulate. It is not a day's cold. The reform of the payment industry also requires a process. From the history of POS machines, it can be seen that payment habits have changed, and card payments have never been trusted to slowly accepted. POS machines have changed a payment habit, and also enabled businesses to realize information management.
After more than 20 years of development, the POS machine technology has matured. The fundamental problem solved by the POS machine is the quickness of consumers and merchants. It is not only conducive to providing standardized services for merchants, but also making the consumer experience compared to the previous billing consumption. Much better.
It is also after more than 20 years of development that the POS system of merchants has formed a system. Even if mobile payment is on the rise, merchants cannot easily abandon the POS system that they have operated for many years and adopt new payment methods. Therefore, it is often seen that merchants have mobile payment signs such as WeChat Pay or Alipay displayed on the cash register of merchants, and there are also many POS machines.
Besides, compared with the mobile payment industry, the current POS machine is also more secure. The main reason is that the security authentication system and identity verification of the POS machine are becoming more and more stringent. It is the most important to ensure the safety of users.
Therefore, even with the development of mobile payment today, even if mobile payment occupies a large area, the existence of POS machines cannot be replaced.