With the rapid development and popularization of smart mobile terminals and the increasing trend of financial disintermediation, traditional finance is experiencing an unprecedented impact, and emerging industries of Internet finance with P2P, crowdfunding model and third-party payment as the core are gradually taking shape.
1. significance of acquiring business.
1.POS acquiring business is the basis of the whole bank card business.
in the value chain of the bank card industry, the cardholder is the end user of the bank card, the basis for the existence of the bank card, and the main source of profits for the whole bank card industry. Cardholders get various conveniences by using bank cards and pay fees for them. The development of acquiring business is to provide cardholders with an environment and improve the convenience of using bank cards, so acquiring business is an indispensable basis for the operation of the whole bank card system.
2. Promote the use of bank cards and increase the income and profit of intermediary business.
on the one hand, bank cards can only bring benefits if they are "alive" and generate transactions. Developing acquiring business, improving the acceptance environment of bank cards and stimulating consumption can promote the rapid growth of bank card transactions, thus bringing the possibility of generating income to banks. On the other hand, acquiring business can also bring income to banks by providing fund settlement services for merchants, which is one of the main sources of bank card income. Then the increase in income can change the income structure of banks and improve the quality of assets.
3. Improve cardholder satisfaction and loyalty through cross-marketing and value-added services.
developing the acquiring business and providing preferential or additional value-added services to cardholders through cooperation and cross-marketing with special merchants is a powerful means to improve cardholders' satisfaction and loyalty and build the core competitiveness of bank cards.
in addition, the development of POS acquiring business can also provide a channel for entering new market types, make market preparations for the bank to develop new corporate settlement business and credit card business in the future, and lay a foundation for personal loans, consumer credit and other businesses.
second, the benefits of accepting credit card spending by special merchants.
1. It is convenient for consumers to shop and help merchants to increase sales.
2. It is safer and more hygienic than collecting cash, and reduces cash counting links.
3. the transaction speed is fast, which improves the efficiency of the use of merchants' funds.
4. meet the requirements of consumers to use modern payment tools and enhance the image of merchants.
5. Help merchants to establish a dominant position in the market competition.