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南华早报:银联在全球推广二维码支付 以应对日益激烈的市场竞争
2018-03-26


  香港《南华早报》3月26日刊文,称银联正通过与全球主流电子支付服务提供商合作,加快在境外拓展银联二维码支付,以应对境内激烈的市场竞争。

  文章援引蔡总表示,银联国际着力用新思路拓展业务、与新机构开展合作、以新方法推动业务落地。银联国际近日与ACI的合作,将加快银联卡境外业务拓展速度。

  文章分析称,银联国际加速拓展境外业务的动力来源于境内面临的市场竞争压力,银联在境内移动支付市场受到第三方支付机构的挑战,随着中国支付市场的开放,银联还将面临国外卡品牌的竞争。在此背景下,银联国际正加快与全球主流机构的合作,包括今年1月携手中国手机制造巨头华为,在境外推出移动支付服务。

  文章同时介绍银联卡在中国境外的发卡量已近1亿张,银联二维码支付在13个市场实现受理,2018年春节期间银联移动支付交易量快速增长。

  报道全文如下:

China’s UnionPay plans global expansion of QR code e-payments in battle with Alipay and Tenpay

The company has signed an agreement with US-based ACI and is looking for more overseas partners as it feels the pressure of domestic competition

China UnionPay, the country’s top bank-card clearing service, is looking to expand its QR code digital payment services abroad through partnerships with global e-payment service providers, as it faces stiff competition at home.

UnionPay International recently signed a partnership with ACI Worldwide, a US-based e-payment provider that has 5,100 institutions and merchants as its clients, and is emphasising the security of QR-based payments, according to Cai Jianbo, chief executive of UnionPay International, the global arm of the company.

“We are having new ideas, partnering with new institutions and embarking on new strategies to develop international businesses,” Cai said. “The past experience when we dealt with institutions and merchants one by one to roll out UnionPay services is history. We will promote our businesses together with our partners.

“The partnership with ACI will largely help us quicken our expansion pace abroad and provide safer, easier and more flexible payment experiences to UnionPay cardholders around the world,” Cai said.

The expansion plan comes as the state-owned firm faces mounting challenges from Alipay and Tenpay, which dominate China’s mobile payments market, as well as from companies such as Mastercard and Visa after China opened the company’s core card-clearing services market to foreign competition.

In January UnionPay and Chinese mobile phone giant Huawei Technologies announced the launch of Huawei Pay digital wallet technology outside China.

Cai said UnionPay will work with ACI to further promote QR code payments, without elaborating. UnionPay’s QR code payment mode is now accepted in 13 markets in Asia-Pacific, central Asia, the Middle East and Africa.

Cai said the volume of UnionPay’s mobile QuickPass and QR code payments jumped more than 150 per cent from a year earlier during the Lunar New Year holiday period between February 15 and February 21, a peak season for Chinese travelling overseas. He would not disclose the exact volume of transactions.

To date, UnionPay has issued more than 100 million UnionPay cards outside the Chinese mainland, which can be used in the company’s overseas network covering more than 23 million merchants in 168 markets.

Dan Frate, president of ACI, said that Chinese tourists’ overseas trips had prompted global players to upgrade services to facilitate payments.
“UnionPay’s growth opportunity is considerable with Chinese consumers now making more than 80 million trips outside Greater China,” he said.

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