掘金韩国中小商户，中国企业如何赢取跨境支付这场战役？

Core Insights - The article discusses the competitive landscape of payment systems in South Korea, highlighting the challenges faced by foreign payment solutions like Alipay and WeChat Pay in a market dominated by local credit card usage and electronic wallets [2][7]. Group 1: Payment Landscape - In South Korea, credit card usage is projected to reach 46.2% in 2024, with cash transactions at 15.9% and local electronic wallets like KakaoPay and Naver Pay accounting for about 70% of transaction volume [1]. - The presence of a mature card payment system and rapidly growing local e-wallets has made it difficult for foreign payment solutions to penetrate the market [2][7]. Group 2: Cross-Border Payment Competition - Alipay+ has made significant inroads in areas like Myeongdong, where cash transactions are prevalent, and has seen a 626% year-on-year increase in spending by overseas tourists in 2023 [6][3]. - The competition for cross-border payment solutions is intensifying, with companies like Ant International and Tencent focusing on differentiating their offerings to capture market share [2][3]. Group 3: User Engagement and Marketing Strategies - Alipay+ has partnered with local merchants to enhance user engagement, with a focus on marketing strategies that go beyond simple discounts to include promotional activities and loyalty programs [9][10]. - The trend is shifting towards integrating payment solutions with marketing and tourism services, as seen in collaborations with local businesses to offer customized services and discounts [9][10]. Group 4: Future Outlook - The competition in cross-border payments is expected to evolve beyond just payment processing, with a growing emphasis on value innovation and user experience [7][10]. - As the market matures, the focus will likely shift towards enhancing customer loyalty and engagement through innovative marketing strategies and partnerships [9][10].