支付宝，为什么非要“碰一下”？

Core Insights - Alipay's "Tap to Pay" feature has rapidly gained acceptance, reaching over 100 million users within 321 days, significantly faster than previous payment innovations like QR code payments and facial recognition [6][7][10] - The feature has expanded beyond payments to include over 300 different scenarios such as ordering food, opening doors, and ticket verification, integrating seamlessly into daily life [8][12] User Adoption - The user base for "Tap to Pay" has diversified, with a notable increase in older adults and foreign visitors embracing the technology due to its simplicity and convenience [4][5] - The initial user demographic was predominantly young, but now they represent only half of the total users, indicating broader acceptance across age groups [4][6] Business Model and Merchant Benefits - Alipay has developed a new business model that connects brands directly with consumers through "Tap to Pay" devices, reducing the time and complexity of marketing campaigns [10][11] - This model not only enhances payment convenience but also provides merchants with new revenue opportunities and improved operational efficiency [11][14] Technological Innovation - The success of "Tap to Pay" is supported by domestic manufacturing, with a new NFC chip developed in collaboration with Fudan Microelectronics set to be mass-produced in the second half of the year [12][14] - The ecosystem surrounding "Tap to Pay" includes software development, hardware manufacturing, and partnerships with service providers and brand merchants, creating a comprehensive operational framework [13] Future Plans and Initiatives - Alipay plans to accelerate technological and product innovations, expanding the application of "Tap to Pay" across various scenarios while investing heavily in marketing and user engagement [14] - The company has launched a "100 Billion Merchant Support Plan" to assist small businesses in upgrading their payment systems and stimulate local economic activity through consumer incentives [14]