支付宝微信携手守卫移动支付大蛋糕，银联砸百亿占据市场失败
随着支付宝和微信支付在中国不遗余力的推进中国进入无现金社会，再加上中国人的接受能力特别强。中国的移动支付规模是全球第一的这是哪个国家都比不上的，外国人来到中国都觉得中国好酷，出门从来不带钱，只需要扫一扫即可付款。据央行数据统计，2018年中国移动支付笔数达到605.31亿笔，而整个支付笔数才2157.23亿笔，这相当于移动支付已经占到总支付的28%了。
也正因为移动支付的市场这个大蛋糕，所以国内的科技企业，大部分都在做金融，都想要从中分得一杯羹，但是移动支付是支付宝和微信一起做的蛋糕，当然不允许其他的公司来分一杯羹。
其中银联是最有实力的一个，本来有着国企背景，又拥有着庞大的线上线下资源，但是在移动支付上一直是被支付宝和微信压着打而且没有任何办法。两个大佬占据了市场百分之90份额而银联的占据份额低到可怜，估计是脸自己都看不下去了所以这些年以来，做了相当多的工作，想要挑战微信、支付宝的地位，比如联合Apple Pay，自己做支付等。但是做了这么的效果其实并不好，但是银联是什么啊做惯了行业的NO.1怎么可能接受这么大的失败啊。从此开启了移动支付的补贴大战。
银联推出了云闪付来和支付宝微信对抗，当时三家平台都开始了各种补贴，支付宝推出支付宝扫码红包，微信推出摇一摇免单，云闪付更是财大气粗，各种补贴政策让用户实实在在的享受到了优惠，据说银联在补贴大战中花费了数百亿元，原以为可与支付宝微信三足鼎立。当时的网络文章都说云闪付和支付宝微信形成的三足鼎立之势。用户多大1.5亿。
但是美好的梦终究是会醒来，似乎这数百亿的资金虽然花出去了但是却没有任何的效果。最近艾瑞出具了一份2019年1季度的移动支付市场数据，却把云闪付的美梦彻底打破了，按照这个数据，银联只有0.4%的份额，而微信有39.9%，支付宝有53.8%，银联排在第8名，连微信、支付宝的零头都比不上，可以说那上百亿的推广费如果放在任何行业里都是一笔巨款，但是对移动支付来说却是有水花却不能形成滔天巨浪
事实上，这些年以来，支付宝与微信支付的市场占有率长期占据市场92%左右，其它移动支付机构只能共享剩下不足8%的市场。因为支付宝和微信都是自己所依赖的平台，和自己所建造的平台生态环境，来增加用户的黏性，而其他的支付平台只能通过各种的补贴，但是一旦你的平台没有补贴之后用户还是会使用支付宝微信，这就是其他平台天然的劣势，不是拿钱砸进去就可以的。除非可以和微信和支付宝一样建造一个用户不能舍弃的平台才可以。在这种情况之下，其它的支付是很难动摇微信、支付宝的基础的，银联别说百亿，估计投更多的钱都不行，你觉得呢？
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