Analysys think tanks use intelligent POS as an example to deeply analyze the development of internet finance

The Third Plenary Session of the 18th Central Committee adopted the "Decision of the Central Committee of the Communist Party of China on Comprehensively Deepening Reform of Some Major Issues" and formally proposed measures to develop inclusive finance, encourage financial innovation, and enrich financial market levels and products. Under this environment, Internet financial services are even more In line with the concept of inclusive finance.

Recently, the "China Internet Financial Layout Research Special Report 2015" released by Analysys think tank has comprehensively interpreted Ant Financial and Internet POS industry, analyzed the new trend of comprehensive development of Internet finance, and the financial ecology created by Ant Financial Service. The difference between the circle and the Internet POS symbiosis system.

Analysys think tanks use intelligent pos as an example to deeply analyze the development of internet finance

The "Report" pointed out that the service model of traditional financial institutions is extremely focused on serving high-net-worth customers, and the more service-based customers, the more obvious the cost pressure. The four characteristics of Internet finance determine that Internet finance is more in line with the concept of inclusive finance: first, the customer base is wide, the customers of Internet financial services meet the long tail theory; secondly, the network coverage is used to provide simple and standardized financial services. Again, the service price is low, the network service method is more than the manual service, the more the number of service customers, the lower the marginal cost; finally, the service efficiency is high, and the combination of online and offline internet finance improves the transaction efficiency.

As a senior Internet financial analyst, Shen Zhongxiang believes that compared with traditional finance, Internet finance appears to have more advantages in achieving financial inclusion. "Innovative POS products of leading Internet finance companies in China, in the development of recent years, whether it is to collect offline orders, solve the problem of physical small micro-business employment environment and production tools, or use Internet technology to solve the financing difficulties of small and micro businesses The problem of financial services thresholds such as borrowing difficulties is one step ahead of peers. In addition to traditional businesses, the Internet finance layout is continuously optimized to meet the financial needs of residents.” The unique features of Cloud POS can easily realize consumers. Big data management makes it easier for merchants to conduct more targeted marketing. It is understood that as the originator of the industry, Palm Smart POS has deepened mobile payment, created a new product format of intelligent hardware + operation platform, and revolutionized the business model of offline entity merchants.

The "Report" pointed out that the development path of Internet financial enterprises is developing in a polarized direction. One is the vertical development direction and the other is the development direction of the horizontal integrated platform. The comprehensive development trend has higher requirements on resources, and the service customers are generally more stable and cover a wider area; the management is scaled up and the management ability is higher. Therefore, the prospect of integrated development is relatively broad and relatively difficult. With excellent product capabilities, Palmer can achieve both development paths in both directions, not only with perfect platform functions, but also improve management efficiency.

China's Internet finance leading enterprises' intelligent POS products support each other's business segments, and users and data flow in both directions to form a symbiotic system, while constructing an open and comprehensive Internet financial platform. Sun Taoran said: "Cloud POS is a comprehensive Internet financial platform. We have been adhering to an open mind to make products and make layouts. We advocate coexistence and synergy, and we welcome all partners and operators to join in and create interconnections. An Internet merchant service industry chain that can create infinite value."

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