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].

四月下旬，巨头们接连出招，在平静已久的中国互联网江湖上掀起轩然大波。 先是刘强东亲自出马骑电驴送外卖，宣告京东跨界杀入外卖赛道，挑战美团霸主地位。而就在今天， 支 付宝又陡然"亮剑" 。在4月24日举行的2025支付宝"碰一下"生态大会上高调对外披露的"战报"显示："碰 一下"自上线以来的321天，已覆盖全国400+城市， 支付用户数过1亿——这个速度比当年余额宝用户过亿 的时间还短，被喻为蚂蚁集团又一现象级产品。 一个亿级用户"新入口"悄然成型。 相比"扫一扫"需要进入支付宝 App后打开付款码的3步操作，"碰一下"仅需直接解锁手机后碰一下，最快1 步就能完成支付。更便捷的支付服务体验，是绝大多数用户对"碰一下"的第一印象。 但"碰一下"的"野心"远不止于支付， 支付宝宣布目前已与合作伙伴共创300多种场景应用方案，让用 户"碰一下"就能骑共享单车，看病，验证身份，点餐，获取会员福利并核销…… 作为新入口，"碰一下"的便捷性、兼容性和可扩展性让它区别二维码、NFC等旧入口。 "得入口者得天下"，是移动互联网发展史上被反复验证过的元规则，"碰一下"背后的下一代线下交互入口 属于兵家必争之地。苹果凭借在欧美市场 ...