POS machines existed due to payment. With the development of the domestic payment industry in the 1990s, the gold card project promoted the continuous improvement of the domestic card environment, and the POS machine began to enter various merchant counters. However, the POS machine is not only for payment services. With the rapid development of the mobile Internet, the traditional POS that can only accept the receipt can not adapt to the requirements of the value-added service of the era.
Mobile payment subverts traditional POS
2013 is a relatively important year for the domestic POS industry. This year, mobile phone card reader products began to spread. Following the model of Square, a well-known mobile payment service provider in the United States, market demand continues to grow, and major POS companies in China have developed hand-brush products. Simple, on-the-go payment, low-cost equipment and other features make embarrassing traditional POS that is thousands of dollars and cumbersome.
However, after all, the United States and China's payment environment are different. Hand brushing brings some market instability factors, and the policy continues to strengthen supervision, so that the role of hand brushing in the collection of orders is limited. From 2014 to 2015, the rapid development of mobile payment applications such as WeChat and Alipay crowded the living space of hand brushes, but this did not give traditional POS opportunities. If the hand brush continues to reduce the market stock of traditional POS, the rise of WeChat, Alipay and other applications accelerates the demise of traditional POS, supports the QR code, supports various mobile Internet applications, and updates the POS iteration. Inevitably.
Smart pos takes advantage of the trend but is embarrassed
The rise of two-dimensional code payment has prompted the POS, which was mainly based on bank card receipts, to be converted into support for two-dimensional code receipt, and requires support for multiple payment methods. In addition, the card verification and discount exchange of Internet applications require POS to complete these matters quickly instead of using a mobile phone. At this point, smart POS came into being.
But as a new thing, the development of smart POS has not been so smooth. First of all, the acceptance of merchants is generally not high. Most of the smart POS functions on the market are not fully utilized. The use of multiple payment methods is the most basic and highly used functions of smart POS. O2O offline application and card coupon verification are more used in some Internet companies, but once the dividend disappears, the frequency of use is reduced.
Secondly, value-added services need to be improved. One of the highlights of smart POS is the expansion of value-added services. The addition of marketing functions can guide merchants, the addition of ERP functions enhances the operational efficiency of merchants, and the overall revenue of merchants is improved through various big data services. This is the development direction of smart POS, but at present, no matter the acceptance of merchants or the service capabilities of service providers, the application space of smart POS is far from being developed.
Smart POS machines need to pay more attention to detail
Although smart POS is the future development direction of POS, it may not be completely abandoned by the traditional POS payment model. There are still a large number of merchants who hope to have the payment advantages of traditional POS and the convenience of Internet applications with intelligent POS. In addition, the two-dimensional code receipt is considered to be a major factor hindering the development of smart POS. Merchants can directly close a personal QR code on the counter to receive orders quickly, without the existence of POS. But in fact, the convenience of the two-dimensional code has largely educated the small and medium-sized merchants who are used to cash into the cashless era. As the payment demand is more frequent, professional POS equipment is also needed to cope, and the payment flow brings information flow. Small and medium-sized businesses will also pay more attention to the diversion of mobile Internet. The original POS merchants have become accustomed to non-cash payment, and the need to upgrade POS to smart POS is more urgent, and more value-added services other than payment are needed.
For financial institutions, the enthusiasm for purchasing smart POS is also rising. According to industry sources, banks are very fond of smart POS, because once the smart POS application is in its merchants, deep use of ERP system, CRM drainage system, human management, financial management, material management, and even record big data after consumer consumption information. After marketing, the viscosity of the merchant's use of smart POS will be very high. If you need to replace other POS, the replacement of the equipment is only the surface, the replacement of the platform, the transfer of data will be very troublesome.
In short, the future of smart POS has a huge imagination, and paying attention to the various details of the demand side will make the smart POS more popular in the market.
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