支付宝再造新入口！“碰链”对标2024“鸿蒙”？

Core Viewpoint - The article discusses the rapid growth and potential of Alipay's "Tap to Pay" feature, which has quickly gained over 100 million users in just 321 days, positioning itself as a new entry point in the mobile payment landscape, challenging existing methods like QR codes and NFC [1][2][3]. Group 1: "Tap to Pay" Overview - "Tap to Pay" has been launched in over 400 cities, achieving a user base of over 100 million faster than Alipay's previous product, Yu'e Bao [1][2]. - The feature simplifies the payment process to a single action, enhancing user experience compared to traditional QR code scanning [2][4]. - Alipay has partnered with over 300 businesses to create diverse application scenarios, indicating a broad market potential beyond just payments [2][3]. Group 2: Market Impact and Business Strategy - The "Tap to Pay" initiative aims to address merchant pain points by integrating membership and coupon processes, significantly improving customer conversion rates [4][5]. - Major retail chains like FamilyMart and Juewei Duck Neck have reported substantial increases in membership engagement and sales after implementing "Tap to Pay" [5][6]. - Alipay plans to invest an additional 10 billion yuan to support merchants in adopting this new payment method, reducing their costs [5][20]. Group 3: Technological and Competitive Landscape - The underlying technology for "Tap to Pay" relies on NFC, which is becoming standard in smartphones, with projections indicating that 70% of phones sold in China will have NFC capabilities by 2024 [24][25]. - The article highlights the emergence of a "Tap Chain" involving various stakeholders, including chip manufacturers and hardware suppliers, indicating a robust supply chain for this new technology [19][20]. - Alipay's current lack of competition in the NFC space, particularly from WeChat Pay, allows it to establish itself as a market leader and standard setter [24][25]. Group 4: Future Prospects - The potential for "Tap to Pay" to expand into various sectors such as transportation, logistics, and healthcare suggests significant growth opportunities [24][25]. - The success of "Tap to Pay" could position it as a focal point in the capital market, similar to the "Hongmeng" operating system's impact in 2024 [20][21]. - The article concludes that while "Tap to Pay" may not completely replace existing payment methods, it represents a significant evolution in user interaction and payment technology [25].