挑战微信支付宝？是后起之秀还是自不量力，来看看这个分析
说到移动支付，大家肯定首先都会想到微信和支付宝，作为两大支付巨头，分别占领了大部分市场份额。从各个商家柜台前的支付图标就能看出，微信和支付宝的普及率，然而对于移动支付这块肥肉，也是惹得众多平台虎视眈眈，纷纷想分一杯羹，尽管这是个前期砸钱的项目，但是一旦取得成效，带来的利益也是不可估量的。
银联的背景还算强大，之前推出云闪付app，前期砸了不少钱，下血本拉拢了一批用户使用，之后新年又推出了活动，也是用"钱"来吸引用户使用，尽管有很多用户为了优惠而去用，但是要想维系甚至吸引更多用户，这些活动或许还只是小打小闹。
京东金融作为京东旗下的产品，定位和支付宝还算相似，京东做电商，和阿里巴巴旗下的淘宝天猫电商平台本就是竞争关系，而京东金融和支付宝也是有一番竞争，比如都具有线上线下支付，都有"先借再还"的产品，京东白条和支付宝花呗。但是阿里巴巴的综合实力更强，所以京东尽管也是在做这些方面，相比起来，还是有些差距。
美团以团购起家，并将外卖服务做的风生水起，这两大业务也是其核心业务，凭借这些美团也成为了互联网炙手可热的新贵，拥有众多用户资源和较高的知名度，美团支付也应运而起，每次在美团点外卖付款时它都会优先选择美团支付，首次支付还有优惠，这也说明了美团的野心不止于团购和外卖，支付也想涉及，不过尽管它有很多的用户，外卖的使用频率也很高，但是要算综合实力，还是比不过阿里巴巴和腾讯。
值得一提的是以上京东和美团都有腾讯的投资，但是实力差距非常明显，腾讯依托社交领域的核心业务，还是更加强势一些。但是这也不影响它们的各自业务发展，毕竟也不是完全没有竞争力的，各有各的优势。
但银联、京东金融、美团要想在移动支付领域挑战微信和支付宝，还是有很多路要走的，毕竟微信和支付宝在移动支付领域也是花了一段时间才有了如此成绩，在用户已经养成了支付习惯时，想要改变支付平台有一定的困难，砸钱也不是短期的，所以目前来看。微信和支付宝的地位还是无法撼动。
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