Financial institutions focus on the ＂payment＂ market and ＂show their magical powers＂ to innovate and help the payment to be convenient and safe.

CCTV News:In early March, the State Council issued "Opinions on Further Optimizing Payment Services to Improve Payment Convenience", emphasizing the parallel development of mobile payment, bank cards, cash and other payment methods, and demanding that the payment habits of different groups should be targeted, and the existing blocking points of payment services should be opened, and the multi-level and diversified payment service system should be continuously improved. What problems do different people and industries face in the payment market? How do all parties improve the convenience of payment? Come and see the reporter’s report.

Recently, the reporter visited and found that many banks have carried out aging transformation for the elderly group and launched the application program for the elderly. Mr. Li is using an elder version of the application.

He told reporters that when you pay by mobile phone, you can’t see clearly when you are old, and you can’t always find the payment interface. Now you don’t worry about it.

Not only that, foreigners in China also have new choices in payment. For foreigners who are used to using bank cards such as Visa and MasterCard, in the past, they had to submit a lot of materials to bind foreign cards, but now they can get a certain amount of payment authority through simplified authentication.

In addition to providing more convenience for specific groups of people, some banks have also done their homework in the field of professional segmentation. In this aquatic product market in Guangzhou, merchants have used a function card specially customized by the bank for aquatic products trading in this market.

Huang Wenxuan, manager of the market product group of the settlement and cash management department of China Industrial and Commercial Bank Guangzhou Branch, said: "Touch the card on it to identify its identity, and then put the goods on the scale to weigh. You can see the total amount of the whole transaction, synchronize it to our side in real time, and complete the transfer of funds between the buyer and the seller. "

Guangdong: the payment market has great commercial value, and the payment environment should be healthy and orderly.

All major banks and payment institutions are "showing their magic" around the "payment" market. How can the payment market actively, healthily and orderly promote payment convenience? Continue to read the report.

There is no doubt that the payment market has great commercial value. If we can make a breakthrough in payment, we can increase user stickiness and trust. Not only that, the payment market also carries a variety of values such as data and services. Mining the payment market also means that you can extend your services and broaden your business model.

Qin Jian, deputy general manager of the settlement and cash management department of China Industrial and Commercial Bank Guangzhou Branch, said: "By empowering settlement finance, the capital flow and information flow of transactions are integrated, and at the same time, we also provide more targeted convenience services to make ordinary people feel convenient."

The payment market has great potential. During the interview, many experts also said that security is the primary problem that needs to be solved at present in order to really win the favor of users.

Jiang Yingxia, secretary general of Guangzhou Digital Finance Association, said: "This requires payment institutions to strengthen security management and adopt advanced encryption technology and risk control system to ensure the payment safety of users."

In December last year, the State Council issued the Regulation on the Supervision and Administration of Non-bank Payment Institutions, in order to strengthen the supervision of the payment market and protect the rights and interests of consumers. Nowadays, both banks and non-bank institutions are doing their homework on digital certificates and dynamic passwords, striving for convenience and ensuring security.

Ye Shuai, a professor of finance at the School of Economics and Management of the Chinese University of Hong Kong (Shenzhen), said that a convenient and safe payment environment requires the cooperation of the government and society, such as cultural tourism and transportation departments. In some important places, we also provide a variety of payment options. At the same time, we should also increase the popularization of financial security. For foreigners coming to China, we can increase the popularization and promotion of digital RMB wallets.