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最有看点的互联网金融门户
国际资讯基于互联网平台的金融业务

日本移动支付市场日渐升温

虽然一直走在全球科技发展的前沿,但是在金融科技领域,尤其是移动支付方面,日本的发展却出人意外地有些“落后”。

日本人似乎更喜欢用现金。有统计显示,在日本大约只有20%左右的支付行为是通过无现金的方式完成的。不过,最近开始这种状况似乎正在发生改变。换言之,日本移动支付市场正在慢慢升温。

近日,三井住友金融集团(后文简称SMFG)就宣布计划推出一款集成性支付终端,允许零售商接受多种付款方式。目前,SMFG正在于GMO支付网关合作推进相关构建工作,最终产品预计将于明年上市。

产品落地后,SMFG希望零售商能够越来越多地使用移动设备,以充分利用其他SMFG服务,特别是Sumitomo Mitsui Card。这样的举措可以吸收更多的原始用户数据,这对零售商进行更好、更详细的数据分析来说也更有帮助。

目前,日本企业通常需要不同的支付网关和设备类处理各类支付服务。而SMFG此举有助于帮助帮助商家解决这个“混乱”的局面。

目前像支付宝这样的移动服务主要采用快速响应(QR)代码,而且已经有不少日本零售商开始接受中国的无现金支付服务,所以说,SMFG要想抢占市场份额可能还需要多花一些心思和气力。

As far as mobile payments went, Japan was an unexpected laggard in the field. Smartphones haven’t exactly made much of a splash there, though that seems to be changing, and mobile payments weren’t big either as Japanese people seemed to prefer cash in a big way; only around 20 percent of payments are made on a cashless basis in Japan. However, new reports have emerged saying that too may be changing, and mobile payments competition is beginning to heat up.

One of the biggest new releases set to arrive on the Japanese mobile payment front comes from Sumitomo Mitsui Financial Group (SMFG), who plans to bring out an all-in-one payment terminal that allows retailers to take many more payment forms. The biggest targets are, not surprisingly, Apple Pay and Alipay, in a bid to pursue other major markets. SMFG is working with GMO Payment Gateway to get that job done, and the company expects to bring out its terminal sometime next year.

SMFG is hopeful that retailers will increasingly turn to the mobile devices to take advantage of other SMFG services, particularly Sumitomo Mitsui Card. Such a move would also provide more raw customer data to work with, which means better and more detailed analyses that are ultimately more valuable to retailers and the like.

Such a release would actually be helpful in Japan, where businesses currently need separate payment gateways and devices to process each individual type of service. Imagine that for a moment; one terminal for Samsung Pay, one for Apple Pay, one for PayPal…eventually you’d have a counter full of payment devices, some of which may only occasionally be used. Then businesses are left with the unpleasant choice of either leaving a stuffed counter or alienating customers who don’t use the most popular payments systems. SMFG’s system would be helpful on that front.

With mobile services like Alipay turning to quick response (QR) codes, though, SMFG will need to step up its releasing in order to land market share for itself. Already reports suggest that Japanese retailers are accepting Chinese cashless payment services, which may leave SMFG out in the cold in its own native market.


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