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. It is truly a nice and helpful piece of info. I am glad that you simply shared this helpful information with us. Please stay us informed like this. Thanks for sharing.

  2. GreatExcellentGoodVery good postarticle. I amI’mI will be facingdealing withgoing throughexperiencing a few of thesesome of thesemany of these issues as well..

  3. My wife and i ended up being now fortunate when Emmanuel managed to deal with his inquiry with the ideas he obtained while using the web pages. It is now and again perplexing just to choose to be handing out tips which often other folks might have been selling. We really fully understand we have the website owner to give thanks to for that. All of the illustrations you’ve made, the straightforward web site menu, the friendships your site make it easier to engender – it is many superb, and it’s really leading our son and the family recognize that this subject matter is pleasurable, which is extraordinarily important. Thanks for everything!

  4. I’m now not certain where you’re getting your information, however good topic. I needs to spend a while learning more or figuring out more. Thanks for excellent information I was searching for this information for my mission.

  5. My family members always say that I am wasting my time here at net, however I know I am getting know-how every day by reading thes good articles or reviews.

  6. Attractive section of content. I just stumbled upon your weblog and in accession capital to assert that I acquire in fact enjoyed account your blog posts. Any way I will be subscribing to your augment and even I achievement you access consistently fast.

  7. Needed to put you that very small word to help say thank you once again for all the marvelous tips you’ve featured on this website. It’s certainly unbelievably generous of people like you to offer easily all that a few individuals could have made available for an ebook in order to make some money for their own end, certainly seeing that you might have tried it in case you decided. Those tactics as well acted like a great way to be sure that other individuals have a similar dreams much like mine to see whole lot more in regard to this condition. Certainly there are lots of more pleasant periods ahead for those who looked at your website.

  8. We areWe’re a groupa gagglea bunch of volunteers and startingopening a newa brand new scheme in our community. Your siteweb sitewebsite providedoffered us with helpfulusefulvaluable informationinfo to work on. You haveYou’ve performeddone an impressivea formidable taskprocessactivityjob and our wholeentire communitygroupneighborhood will beshall bemight bewill probably becan bewill likely be gratefulthankful to you.

  9. HeyHi thereHeyaHey thereHiHello! I just wanted to ask if you ever have any problemstroubleissues with hackers? My last blog (wordpress) was hacked and I ended up losing monthsmany monthsa few monthsseveral weeks of hard work due to no backupdata backupback up. Do you have any solutionsmethods to preventprotect againststop hackers?

  10. I simply wanted to write a quick message so as to express gratitude to you for all of the superb instructions you are giving at this site. My considerable internet lookup has at the end been honored with beneficial insight to share with my great friends. I ‘d admit that most of us readers are quite endowed to dwell in a fine place with very many outstanding people with beneficial advice. I feel very much fortunate to have come across the webpages and look forward to many more brilliant moments reading here. Thank you once again for all the details.

  11. HiHelloHi thereWhat’s up, just wanted to mentionsaytell you, I enjoyedlikedloved this articlepostblog post. It was inspiringfunnypracticalhelpful. Keep on posting!

  12. I am writing to make you know of the notable encounter my friend’s princess gained browsing your blog. She even learned numerous pieces, which included what it’s like to possess a great teaching mood to make the rest really easily have an understanding of chosen complex subject matter. You undoubtedly exceeded our expectations. Thank you for imparting these warm and friendly, dependable, explanatory and even fun tips about this topic to Sandra.

  13. I wish to voice my passion for your generosity for men and women who have the need for assistance with this particular subject. Your real commitment to getting the solution all over ended up being particularly important and has specifically encouraged workers just like me to get to their dreams. Your own helpful key points entails this much to me and further more to my fellow workers. Thanks a ton; from everyone of us.

  14. hi!,I really like your writing so so much! share we keep in touch extra approximately your article on AOL? I require an expert on this space to solve my problem. Maybe that’s you! Taking a look ahead to peer you.

  15. NiceExcellentGreat post. I was checking continuouslyconstantly this blog and I amI’m impressed! VeryExtremely usefulhelpful informationinfo speciallyparticularlyspecifically the last part 🙂 I care for such infoinformation a lotmuch. I was seekinglooking for this particularcertain infoinformation for a long timevery long time. Thank you and good luckbest of luck.

评论已关闭。