香港《南华早报》：云闪付APP提升银联跨境支付服务
2018-09-12
《南华早报》以《云闪付APP提升银联跨境支付服务》为题刊文，聚焦云闪付APP推出港澳服务的意义，认为此举一方面促进大湾区移动支付互联互通，另一方面是银联在中国境外拓展移动支付服务的重要举措，将与第三方支付机构竞争。主要内容有：
1）银联成为首家向无境内人民币银行账户的港澳持卡人提供跨境二维码支付服务的卡组织。援引业内人士表示，云闪付APP是大中华地区首个实现在单一移动客户端上进行多币种支付的APP，第三方支付机构等其他行业参与者尚未推出类似服务。文章评价称：“银联移动支付APP的跨境支付功能也彰显了银联在中国境外拓展其移动支付服务的雄心。”
2）援引蔡总表示，云闪付APP既便利港澳持卡人往来大湾区，也为港澳居民提供本地移动支付服务。文章进一步指出，银联通过推出云闪付APP整合各家银行支付功能，以及在全球范围内拓展二维码支付等措施，与第三方支付竞争。文章同时露出银联二维码支付在大湾区及全球的受理情况。
原文如下：
UnionPay launches cross-border mobile payment service in Hong Kong, Macau as it targets rivals Alipay, WeChat Pay
The bank card network operator is keen on expanding mobile payment connectivity in the Greater Bay Area
China UnionPay has become the first card payment processor to offer a cross-border QR code payment service to holders of cards issued by Hong Kong and Macau banks without an onshore renminbi bank account as it faces intensifying competition from the likes of Alipay and WeChat Pay.
UnionPay QR code service, offered in partnership with five banks and a non-bank fintech firm, enables UnionPay credit or debit cardholders to link their cards with the UnionPay app and settle payments in yuan, Hong Kong dollars and patacas.
Sources close to UnionPay said such cross-currency payment on a single mobile app is first in the Greater China region. Industry players say Ant Financial and Tencent Holdings, which operate Alipay and WeChat Pay respectively, have not yet launched similar services as mobile payment services in China remain distinct from their Hong Kong offerings.
The banks include the Hong Kong and Macau licensed units of Bank of China, Bank of Communications (Hong Kong), China Guangfa Bank’s Macau branch, Banco Nacional Ultramarino.
The tie-up also extends to K&R International, a non-bank company that has a stored value facility licence from the Hong Kong Monetary Authority.
The UnionPay app’s cross-border payment functionality also represents the company’s ambition in expanding its mobile payment service outside China.
UnionPay takes mobile payment services fight to Alibaba and Tencent with integrated app
Cai Jianbo, chief executive of UnionPay International, said over the years UnionPay has made various efforts in deepening their penetration in Hong Kong.
“Specifically, the latest mobile app service targets residents who travel frequently in the Greater Bay area while expanding the [network of our supported retail merchants] for Hong Kong and Macau residents in using mobile payment in their local markets,” said Cai.
The Greater Bay area connects the two special administrative regions of Hong Kong and Macau with nine cities in Guangdong province.
UnionPay executives said there are plans to expand the service to cards issued by “most banks” in Hong Kong and Macau by the end of this year, although they did not elaborate.
Across Hong Kong and Macau, there are currently “several thousand” merchants that support its QR-code mobile payment service, a number that will increase to over 10,000 by end of this year, said Lu Zhijun, general manager of business development at China UnionPay.
China’s UnionPay plans global expansion of QR code e-payments in battle with Alipay and Tenpay
Public transport operators in Macau, Guangzhou, Zhuhai already accept its QR code payment, and those in Shenzhen will start accepting it by end of this year.
Liu Heng, general manager of UnionPay International in Hong Kong, said there are over 200,000 registered users of its mobile app in Hong Kong and Macau, and some 7.5 million merchants across 24 countries support its QR-code payment.
Sources close to UnionPay said one advantage of the QR code mobile payment compared to contactless mobile payment is that small merchants do not have to install any receiver device and this enables for easier expansion of the mobile payment network even to small merchants.
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