First, the best policy: completely stop the construction of China UnionPay Express, fully empower banks, especially small and medium-sized banks, fully open the functions, interfaces and merchants of China UnionPay Express to banks, provide standard interfaces, allow banks to access UnionPay China UnionPay Express conveniently and quickly, and empower banks to become bigger and stronger mobile banks, thus promoting the development of Internet bill collection and transfer business and driving the clearing fee income of UnionPay.

China Policy: Absorb the advantages of the original UnionPay merchant "Universal Payment" and Hunan UnionPay "Everyday Shopkeeper", change the current focus of China UnionPay Express from C-end to B-end, and unite with local banks to create a unified mobile payment APP for banks, that is, the payment, system and data sharing of China UnionPay Express completely replace all kinds of aggregate payment systems developed by banks, and "unite with Wu and resist Cao" may divide the world into three parts.

Bottom line: Continue to spend money to promote China UnionPay Express to C-end users, and attack the enemy's strengths with their own shortcomings. UnionPay is not good at doing C-end, and has never dealt with C-end before. UnionPay is familiar with the B-side, especially the big B-side of the bank. It is worrying to continue to spend money to promote China UnionPay's rapid access to the C end.

Second, I originally wanted to find a multi-card management app for credit cards and bank cards. After reading a lot of third-party credit card apps online, I felt uneasy and didn't want to "contribute" all the information to Alipay, so I found the China UnionPay Express app. The management of multiple credit cards is very convenient. You can view credit card bills, set repayment date reminders, and repay across bank cards. It is very convenient for balance management and mutual transfer of multiple bank cards, and convenient for fund scheduling. But this free quota is too small. It is also good to spend 7- 1 1 bonus hunter every day, which can save a few cents or a few dollars. I'm going every day anyway. It can be seen that the promotion is very strong.

Third, the reasons for employing fewer people

1 is really rare for B-side businesses. More importantly, it is not the preferred payment method for e-commerce platforms. Taobao and Tmall are Alipay by default. JD.COM is also pushing its own Jingdong payment, or letting you bind your credit card. Wechat also has its own payment. When I was shopping in JD.COM recently, I noticed that China UnionPay Express app was not displayed on the recommended payment options, so I had to choose "More Payment Methods" to find it. Therefore, it is suggested that China UnionPay Express app can cooperate more deeply with online platforms, such as shopping platforms such as Tik Tok and pdd, and become their "recommended and preferred payment options". Coupled with the strong subsidy of UnionPay (provided that it is strong), it will definitely become more and more popular.

2. The offline down payment code is not exposed enough, and the offline promotion is not enough. Going to many stores, you find that the down payment codes of WeChat Pay and Alipay are everywhere, even posted on every table, and they are all in conspicuous positions. It is rare to see China UnionPay Express. This may need to pay the promotion team's strong investment, and need to subsidize the merchants, such as exempting the handling fee of 0.6%, so the subsidy of several billion may not be enough, and the B-end and C-end should cooperate with the promotion.