These two days, there is a piece of news, which may not be so pleasant for Alipay.

It is rumored that the State Grid requires all localities to stop paying Alipay. If you want to pay online, you need to use the state grid's own payment platform "e-rental treasure". Moreover, this is also a full-featured payment platform-on the surface, it only disables an interface, but in fact it is ambitiously trying to subvert Alipay. If you pay attention, you will find that third-party payment has become a hot topic nowadays. In order to snatch it from Alipay, each national team has different tricks. Think it's funny? In fact, if Alipay is not handled properly, it is really possible to capsize overnight.

Just like before the Baidu accident, before the fast broadcast accident-no one believes that they will be besieged overnight. Alipay's challenger has an additional State Grid.

On April 15, State Grid launched the self-developed third-party payment app "E Bao". The interface and functions are very similar to Alipay and WeChat payment, including transfer, recharge, cash withdrawal, bank card, living payment, financial loan, State Grid Mall, State Grid business travel and other functions. Now it's reported that the State Grid wants to establish the dominant position of "e-treasure" in online electricity payment, and consider closing the third-party electricity payment interface, which is simply preparing to grab users directly from Alipay.

Even for convenience, many people will definitely start to use the payment platform of the State Grid. It is equivalent to reducing the usage of Alipay. The national team has made moves one after another, and Alipay faces many crises.

See a new opponent? Don't forget, there are many years of "old friends" UnionPay and banks.

Pay Abreu's strong rivals and UnionPay. In recent years, Alipay has started to set up POS machines in merchants, and UnionPay is not willing to only develop offline services, such as flash payment and Apple payment, which are all attempts by traditional banks to "access the Internet". In order to cope with the impact of Abreu payment, UnionPay has issued several notices and management regulations since 20 12, cutting off and standardizing the direct connection between banks and third-party payments. Not long ago, because Shanghai Bank lent the number of the acquiring institution to Alipay, UnionPay also imposed a informed criticism on Shanghai Bank and imposed a high fine. Obviously, UnionPay is giving Alipay a stumbling block to gain time for its online expansion. This practice is no different from the power grid, but it poses a greater threat to Alipay. Because UnionPay manages the bank, Alipay can't run independently from the bank at present. National financial consolidation is also a great threat to Alipay.

The national team has made moves one after another, and Alipay faces many crises.

The Implementation Plan for Special Remediation of Risks of Non-bank Payment Institutions issued on April 14 this year announced the key points of remediation of third-party payment: the risk of reserve payment, the remediation of inter-agency clearing business and the remediation of unlicensed payment business. These measures will directly affect Alipay's business. It is not surprising that Yu 'ebao was once criticized for being regulated, and services such as flower beds and borrowing beds will face similar problems in the future.

Next, the world Alipay faces will undergo major changes.

In mid-April, the state began to rectify internet finance, and then it will rectify the risk of reserve funds. Alipay will now be under increasing pressure, and competitors such as State Grid and UnionPay will also be eyeing up. Compared with these rivals, Alipay has no identity advantage-it is not a state-owned enterprise; There is no financial advantage-watching Ma Ting Yun make money, but it is definitely not as good as monopolizing the Big Mac; There is no policy advantage-as an industry monopolist, UnionPay and Power Grid can write 100 restrictions for you at any time. Of course, I believe that if Alipay is sitting up straight, there is nothing to worry about.

Except Alipay, other payment institutions are facing more serious problems.

Under the severe internet financial supervision and huge market pressure, the existing third-party payment institutions will undergo a lot of transformation and upgrading, and the institutions with less strength may withdraw or be merged.