卡组织争相布局新兴市场：银联携新“四方模式”抱团出海，Visa瞄准亚太

Group 1 - The core viewpoint of the articles highlights the shift of global card organizations towards mobile payment solutions, particularly through QR code technology, as a means to facilitate cross-border payments without the need for traditional bank cards [1][5] - UnionPay has launched a new "four-party model" in approximately 50 countries and regions, integrating wallets, mobile manufacturers, and aggregation service providers into its cross-border payment network, aiming for "one code interconnectivity" [1][2] - Visa has also introduced its "Scan to Pay" solution in the Asia-Pacific region, allowing different wallets to recognize and scan each other's QR codes, indicating a competitive yet complementary landscape between UnionPay and Visa [1][6] Group 2 - The new "four-party model" introduced by UnionPay incorporates wallet institutions and new types of acquiring institutions, expanding beyond the traditional four-party model that includes card organizations, issuing banks, acquiring institutions, and merchants [2][3] - The model emphasizes its connection to cross-border payments, with the establishment of a unified gateway supported by the People's Bank of China, enabling domestic and foreign institutions to collaborate on cross-border QR code payments [3][4] - UnionPay's partnerships extend to various emerging markets, including countries like Thailand, Vietnam, and Brazil, reflecting a strategic focus on regions with a strong interest in mobile payments [3][5] Group 3 - The push for cross-border QR code interoperability is driven by the shared interest in mobile payments among emerging economies, where traditional card payment systems are often bypassed [5][6] - Visa and Mastercard are also actively developing QR code payment solutions in these markets, with Visa's recent launch allowing consumers to use various digital wallets for cross-border payments without switching wallets [6][7] - UnionPay's strategy focuses on serving Chinese outbound tourists and travelers from Belt and Road Initiative countries, leveraging local partnerships to enhance payment experiences [6][7]