支付宝公布今年集五福时间，不过却被余额宝福利活动提前抢了风头
临近春节，不少互联网巨头都将开始新一轮的流量争夺战，作为近几年春节期间的“保留节目”，支付宝的集五福活动每年都会吸引大批用户的参与。而在近日，支付宝官方也正式宣布，今年的支付宝集五福将于1月25日（腊月二十）正式开启，一直持续到2月4日（大年三十）。
虽然近些年来支付宝集五福活动的红包奖金并没有多少，但是用户从中获得的参与感和满足感却是其他春节活动都难以给予的。不过在今年的集五福活动开始之前，支付宝力推的另一个活动就已经早早地在各大社交软件上掀起了一阵热潮，那就是余额宝的体验金活动。
从玩法上来看，余额宝的体验金活动并不复杂，用户在进入支付宝app之后可以点击余额宝入口内的活动界面，通过一个小游戏获得金额不等的余额宝体验金，在获得体验金之后可以即时存入余额宝，待3日期满之后，体验金所获得的收益将归用户所有。如果用户想获得更高的体验金额度，可以通过分享活动页面的图片生成个人二维码，邀请好友参与后就会获得额度不等的体验金奖励。
根据支付宝官方给出的活动信息显示，用户最高可以获得100万额度的余额宝体验金，按照目前的余额宝利息来看，三天最高可获得300多元的收益。事实上此类的体验金玩法之前被很多P2P类软件都曾推广过，也一度成为薅羊毛的重灾区，不过对于财大气粗的支付宝来说，补贴活动赏金来培养用户的使用习惯，似乎还是一笔不算太亏的买卖。
余额宝上线之初，以超高的利率迅速俘获了大批用户，当初说它“吊打”银行存款一点也不为过，不过随着利率的逐渐走低和后期推出每日有限的余额宝额度，都使得余额宝的用户有了一定程度的流失。不过在自然下滑的用户曲线面前，真正使余额宝感到危机的恐怕还是微信支付最近推出的零钱通功能，这项被称作“微信版余额宝”的新业务几乎照搬了余额宝的收益模式，而且给出了比余额宝更高的收益利率，最重要的是它还背靠这微信支付这一庞大的流量入口，在未来可能会对余额宝造成前所未有的冲击。
在这种情况下，抢在微信大规模推广零钱通之前，余额宝率先上线拓客活动就显得十分必要了。不过对于普通用户来说，巨头之间的较量也未必不是一件坏事，毕竟在现阶段，很多人还是能够一边享受着零钱通的高利率，一边顺手薅着余额宝的羊毛。
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