【招商银行转型新动能】一网通支付的优良基因
前言:大鹏之动,招商转型非一羽之轻也。银行优良招商银行各大项子品牌业务,新动共同成就了招行这一轻型银行样本。通支本专题将系列报道招行各大子品牌业务的基因成功故事,这里面既有传统动能的招商转型锐意革新,又有财富管理、银行优良投资银行、新动交易银行、通支资产托管、基因资产管理、招商转型票据、银行优良金融市场等战略性业务新动能的新动培育壮大。所有这些内容,通支都会帮助客户回答这样一个问题:“新时代,基因为什么选择招商银行?”
移动支付市场群雄逐鹿,招商银行“一网通”支付产品依托其开放、安全、便捷的特质,成为竞争格局中非常重要的力量。
2016年5月,伴随着与滴滴出行的战略合作,招商银行再次推出全新“一网通”支付产品,在逐步为第三方支付公司所占领的市场上,为客户及商家提供了一个新的选择。
长期以来,招商银行的电子支付功能一直是消费者网购时喜爱并信赖的付款方式。
2015年底,招商银行率先宣布旗下“招商银行”、“掌上生活”两大App开放注册,国内十余家银行借记卡、贷记卡持卡人均能注册为招行“一网通”用户并使用招行App,体验此前只有招行客户专享的生活、消费及金融全方位服务。“一网通”支付正是基于招行“一网通”开放用户体系的全新支付产品,他行客户无需申领招行卡,使用已有银行卡即可注册“一网通”用户进行互联网支付。同时也可使用该用户名登录“招商银行”App,享受招行所提供的各项优质服务与优惠礼遇。
保护客户信息与资金安全,始终是银行开展各项业务过程中不可动摇的根本原则。秉承这一理念,“一网通”支付业务虽然相比传统业务模式进行了大量的简化、创新,但是在风控安全环节却有过之而无不及,并不断根据移动互联网支付的交易特点、风险特征进行优化升级,为用户树立起一道完备的安全屏障。
“一网通”支付在产品设计过程中,就不再是从“开发银行功能”的思维定式出发,而是从客户角度换位思考,同时积极借鉴互联网支付平台在操作流程、客户体验环节先进经验,努力打造真正符合市场与客户需求的互联网产品。目前“一网通”支付产品开通、付款的便捷程度及用户体验已直逼目前市场主流的第三方支付功能。
目前,“一网通”支付最重要的应用场景也是其首家合作伙伴,便是有“全球最大的一站式出行平台”之称的滴滴出行App。“一网通”支付也已与近千家商户达成合作意向,其中超过半数已完成协议签署,将于近期陆续上线,其中不乏饿了么、国美在线、优酷视频等知名互联网企业及平台,全面覆盖客户衣、食、住、行、娱乐、医疗、教育等典型生活场景,
未来“一网通”支付也将重点关注智慧医疗、智慧校园、电子政务、跨境支付等互联网及电子商户热点领域,同时基于互联网大数据有机整合银行收支、消费、信贷、财富管理等传统优势业务,建设起一个具有特色的互联网金融生态体系。
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