关于即将到来的 Apple Pay,你需要知道这些

关于即将到来的 Apple Pay,你需要知道这些

Apple Pay

自去年 12 月苹果官方放出其与中国银联达成 Apple Pay 合作的新闻稿之后,社交媒体上有关 Apple Pay 的各种传言一直都没有停过。

根据微博账户@PCINLIFE 最近发布的一条微博显示,Apple Pay 的上线日期极有可能是 2 月 1 日或 5 日。而此前,该账号曾预测 Apple Pay 的上线日期为 1 月 19 日。

截至目前,与苹果签署合作协议的各大银行已经为 Apple Pay 上线做好了准备,它们需要做的只剩等待苹果公司的服务上线指令。

Apple Pay 是苹果公司推出的移动支付服务,用户只需将银行卡与 iPhone、iPad 以及 Apple Watch 绑定,即可通过指纹授权的方式,无需密码(若银行卡未开通小额支付免密功能,依然需要输入密码)进行安全便捷地进行支付。在支付的同时店员不会知道顾客的姓名等信息,苹果公司也无法查看到加密的交易信息,所以在隐私保护方面也比较可靠(官方介绍请戳这里)。目前 Apple Pay 已在美国、英国、加拿大和澳大利亚推出。

苹果官网上关于 Apple Pay 隐私性的描述
苹果官网上关于 Apple Pay 隐私性的描述

不过由于 Apple Pay 涉及金融系统和银行交易领域,出于国内政策以及监管方面的考虑,苹果不得不选择与中国银联进行合作,将 Apple Pay 带入中国,而后者将通过 Apple Pay 进一步推广银联云闪付服务。

网友分享的 Apple Pay 使用演示视频

其实早在 2014 年 Apple Pay 发布之时,苹果就计划将其推广至中国,同年年末传出了苹果与银联进行商谈的传闻,不过一直没有确切的消息。 直到 2015 年 9 月份,一家名为“苹果科技服务有限公司”的企业出现在上海自贸区,经营范围是科技咨询、支付系统整合等。

现在,苹果中国官网上,Apple Pay 的合作银行从最初的 15 家增加到了 19 家,包括中国银行、农业银行、招商银行、建设银行等国内主要银行。

从 2015 年开始,支付宝和微信支付几乎已经成为国内大多数人群的必备移动方式,目前这两项服务的使用人数分别为 2.7 亿和 2 亿,已经追上了中国的信用卡用户数。

不过 Apple Pay 与大家所熟悉的支付宝与微信存在着一定的区别,而这其中的差异也成为了 Apple Pay 能否在国内的移动支付领域迅速占领一席之地的关键所在。

 

只有苹果用户才能使用,使得 Apple Pay 的使用人群受到限制

Apple Pay 是苹果推出的服务,与 Apple Music 那样能在其他平台使用的软件服务不同,Apple Pay 高度依赖硬件,需要与苹果自家产品配合才能使用。其次,用户手中的 iPhone 必须是 iPhone 6/6 Plus 及以上配备了 NFC 模块的设备才可进行店内支付。而对于仅支持 App 内支付的 iPad,用户也只能在比较新的如 iPad Pro/Air 2/mini 4 等设备上使用 Apple Pay。

这些限制在一定程度上阻碍了 Apple Pay 的发展。

 

同时,使用习惯也是一大因素

在支付宝与微信上,人们可以绑定银行卡进行生活缴费、线上线下购物、发(抢)红包等等。就目前而言,Apple Pay 除了能帮用户在不支持支付宝和微信的线下购物场景中,免除掏钱包找信用卡的麻烦外,似乎没有更大的优势。而对于大多数用户来说,掏出手机→解锁→打开支付宝/微信这套流程似乎已经成为了购物时的标准化动作,毕竟改变习惯还是比较困难的。

 

而至于能否大范围推广,最重要的还是商家的支持

想象一下你在某家电商网站上选好了商品,正准备支付,却发现没有适用的支付方式的情景,是多么打击人的一件事。

随着移动支付的发展,如今国内大部分商家都支持支付宝和微信等移动支付方式,而像 App Store、在线游戏商城 Steam 等都已支持以人民币结算的支付方式,亚马逊中国甚至还开通了支持人民币付款的海淘专区。而当这些平台开通了更方便的支付通道后,消费者则更容易“买买买“,商家的营业额也增加不少,可见支付方式的重要性。

出现以上任意标志,即可使用 Apple Pay 进行支付
出现以上任意标志,即可使用 Apple Pay 进行支付

所以,如果线下商家支持了 Apple Pay 这一支付方式,对于苹果来说绝对是值得高兴的事。当然,这也一定是苹果正积极努力推进的事情,或许 Apple Pay 迟迟没上线,就是因为苹果还在与商家洽谈。毕竟对于消费者而言,陆续增加的服务区域与一开始就广泛支持的商家相比,显然后者更容易令其满意。

相应地,Apple Pay 普及后,也会在一定程度上带动苹果硬件产品的销量,从这一点上,我们能看到苹果的野心。

若传言属实,距离 Apple Pay 上线也没剩多久了。上述提及的观点仅仅是提供一个参考,而至于 Apple Pay 能不能在国内迅速推广开来,广大消费者的接受如何, 还要看其上线后的表现。不过从已经上线服务的美国的情况来看,从银行、商家支持 Apple Pay 到用户、商家主动使用 Apple Pay,还有一段不小的距离,而面对支付宝和微信等的挑战,Apple Pay 进入中国后的发展之路并不轻松。
 
 
 

《关于即将到来的 Apple Pay,你需要知道这些》有1,416条留言

  1. I have been checking out many of your stories and i must say pretty nice stuff. I will make sure to bookmark your website.

  2. I enjoy you because of all of the efforts on this web page. My daughter takes pleasure in engaging in internet research and it’s really easy to see why. Many of us know all regarding the compelling way you convey invaluable thoughts via this web blog and in addition recommend contribution from people on the situation while our own princess is without question studying so much. Have fun with the rest of the new year. You are performing a remarkable job.

  3. My husband and i felt fulfilled that Chris managed to finish up his investigation with the precious recommendations he came across through your blog. It is now and again perplexing just to be giving away tactics most people may have been trying to sell. We really see we’ve got the blog owner to be grateful to for this. Most of the illustrations you have made, the straightforward web site menu, the friendships you assist to promote – it’s many wonderful, and it’s really letting our son in addition to the family reckon that that content is amusing, which is highly mandatory. Thank you for the whole lot!

  4. My partner is making a template in dreamweaver for joomla site and we are not to sure on how to upload it to it. We appreciate the help, thanks in advance..

  5. It’s truly a great and helpful piece of information. I’m satisfied that you simply shared this helpful info with us. Please keep us up to date like this. Thanks for sharing.

  6. In this awesome design of things you actually get a B+ just for effort. Where you actually misplaced everybody ended up being on all the details. You know, it is said, the devil is in the details… And it couldn’t be more correct here. Having said that, let me say to you just what did work. Your authoring is actually rather convincing and this is most likely the reason why I am taking the effort to opine. I do not really make it a regular habit of doing that. Next, although I can see a leaps in reasoning you make, I am definitely not sure of exactly how you seem to unite the details which inturn help to make the actual final result. For right now I will yield to your issue but hope in the future you link your dots much better.

  7. I intended to put you this bit of note in order to thank you very much as before for all the splendid solutions you have contributed here. It was really particularly generous with people like you to provide unhampered all that a lot of people could possibly have marketed as an ebook to earn some bucks for themselves, primarily considering that you could have done it in the event you desired. These thoughts as well served to become a great way to be certain that someone else have the same eagerness like my personal own to learn a little more on the topic of this problem. Certainly there are many more pleasant situations ahead for individuals that examine your website.

  8. Aw, this was a very nice post. In idea I want to put in writing like this additionally – taking time and precise effort to make an excellent article… but what can I say… I procrastinate alot and under no circumstances seem to get something done.

  9. I feel that is among the most important info for me. And i’m satisfied reading your article. But should commentary on some basic issues, The web site taste is great, the articles is actually excellent : D. Just right process, cheers

  10. My spouse and IWeMy partner and I stumbled over here coming from afrom aby a different web pagewebsitepageweb address and thought I mightmay as wellmight as wellshould check things out. I like what I see so now i amnow i’mi am just following you. Look forward to going overexploringfinding out aboutlooking overchecking outlooking atlooking into your web page againyet againfor a second timerepeatedly.

  11. I want to express thanks to this writer just for rescuing me from such a crisis. Just after browsing through the search engines and meeting strategies that were not helpful, I figured my life was well over. Existing minus the approaches to the problems you have fixed as a result of your entire blog post is a crucial case, as well as the ones that could have in a wrong way affected my career if I hadn’t come across your site. The expertise and kindness in playing with a lot of things was vital. I don’t know what I would’ve done if I hadn’t come upon such a stuff like this. I am able to at this time look ahead to my future. Thanks a lot very much for the skilled and results-oriented guide. I won’t be reluctant to suggest your web page to any person who requires guidance on this situation.

  12. I don’tdo not even know how I ended up here, but I thought this post was goodgreat. I don’tdo not know who you are but definitelycertainly you areyou’re going to a famous blogger if you are notaren’t already 😉 Cheers!

  13. I’m commenting to make you know of the notable discovery my wife’s girl found viewing yuor web blog. She even learned some details, which included what it’s like to have an ideal giving spirit to let others very easily comprehend several advanced things. You undoubtedly exceeded visitors’ desires. I appreciate you for supplying these powerful, trusted, educational and in addition unique tips about this topic to Ethel.

  14. Unquestionably believe that which you stated. Your favorite reason appeared to be on the net the simplest thing to be aware of. I say to you, I certainly get irked while people think about worries that they just do not know about. You managed to hit the nail upon the top as well as defined out the whole thing without having side effect , people can take a signal. Will probably be back to get more. Thanks

  15. I¡¦ve been exploring for a little for any high-quality articles or weblog posts on this kind of area . Exploring in Yahoo I eventually stumbled upon this site. Studying this information So i¡¦m happy to exhibit that I’ve a very excellent uncanny feeling I discovered just what I needed. I most indisputably will make certain to don¡¦t put out of your mind this web site and give it a glance regularly.

  16. This is really attention-grabbing, You’re an excessively professional blogger. I have joined your rss feed and look ahead to seeking extra of your great post. Additionally, I’ve shared your site in my social networks!

  17. My husband and i have been now more than happy that Louis managed to do his preliminary research via the ideas he grabbed in your weblog. It’s not at all simplistic to simply continually be giving out ideas which other folks might have been trying to sell. And we grasp we have you to appreciate because of that. The entire explanations you made, the simple blog menu, the relationships you will give support to promote – it’s mostly powerful, and it’s really letting our son in addition to the family do think that situation is excellent, and that is really essential. Thank you for the whole lot!

评论已关闭。