Mobile payment, borrowing and consumer demand performance is outstanding? Payment security is the basis for development

Consumers' demand for consumer lending is more prominent. The proportion of credit payments provided by e-commerce or third-party agency accounts is more than half. It is more and more accepted after the first consumption.

WeChat payment, Alipay, Apple pay... More and more payment methods are becoming more and more convenient. Roadside snack bars, small shops, and a few QR codes posted on fruit stalls seem to say that this is an inseparable part of life.

Recently, reports have shown that consumer demand for consumer lending is more prominent, and the proportion of credit payments provided by e-commerce or third-party institutional accounts is more than half. It is increasingly accepted that repayment after consumption first.

According to the 2016 Mobile Payment Security Survey released by China UnionPay, more than 90% of respondents used mobile payment in 2016, an increase of 14 percentage points over 2015. Online physical shopping, offline store consumption, credit card repayment, transfer remittance, scheduled movie tickets, etc. are some of the most consumed mobile payment scenarios.

In fact, the main problem with mobile payments currently exists. Lin Feng, director of the Mobile Payments Annual Meeting Organizing Committee, released the top ten keywords for the development of mobile payment industry in 2016 at the 2017 China Mobile Payment Annual Conference. The first thing to do is “payment security”.

According to media reports, financial management in 2016 was the type of fraud that the victims lost the most funds. The amount involved in the case last year reached 74.14 million yuan. Among them, the victims of cyber fraud in first-tier cities suffered heavy losses. First-tier cities have developed economies, online shopping and mobile payment are highly popular. The amount of fraud reported by Beijing netizens reached 9.032 million yuan, and the losses in Shenzhen, Shanghai and Guangzhou were also over 5 million yuan.

According to the above report, from the age point of view, 20% of the victims over 50 years old lost more than 5,000 yuan, more than 7 percentage points of the average loss. In the case of people suffering from losses, more than 50% of the losses can be recovered in full or in part. The total loss of fraud suffered by consumers is significantly lower than that of the previous year, with a drop of more than 30%. It is worth noting that more than 40% of the 50% of the people who bear all the losses themselves are middle-aged and older people over 50 years old.

According to the Internet Finance News Center, 315 nights CCTV exposed intelligent POS security vulnerabilities, white hat hacking arbitrary fingerprints to unlock Huawei P9Lite based on TEE security protection, Alipay Suzhou 1999 yuan group stealing incidents, etc., in addition, ETC co-branded cards were not connected It has also aroused the attention of the whole people. The stealing brush that is not a small probability and a small risk may be infinitely enlarged.

"Now the application of smart phones is more and more widespread, and it becomes a new trend through mobile chat and circle of friends." According to industry insiders, scammers generally seduce with preferential products, lottery, red envelopes, pornography, etc., or pretend to be public security law organs. Intimidation, deceiving victims, and the popularity of mobile chat groups and friends also spread fraud information more quickly.

Wang Yu, China UnionPay payment security expert, concluded: "Through this year's survey, we have seen some new trends. First, financial payment and technological innovation are deeply integrated, payment products and scenarios are more abundant, and payment is simpler, safer and more convenient; Therefore, the user's acceptance of mobile payment has increased rapidly. Mobile payment has become an important carrier of inclusive finance. Third, the service experience is continuously optimized, cardholders are safer and more secure, and their own risks are significantly improved."

Security experts suggest that consumers should further increase their awareness of safe payment and prevent possible payment risks by:

First, reduce the use of mobile phone numbers to register accounts on financial websites, and choose to use more complicated user names including alphanumeric characters. The second is to pay attention to the latest prevention of telecommunication network fraud knowledge and improve the ability to deal with fraud. The third is to choose a highly secure payment product, install official genuine security software on the mobile phone, and reduce the risk of illegal malicious programs on mobile payment security. Fourth, pay attention to the security of large-value accounts. You can contact the issuing bank or payment institution, choose a payment product with insurance coverage or purchase a capital protection insurance for your large account.