Over the years, with the popularity of mobile payment, consumer attitudes have also changed greatly. People are gradually becoming accustomed to mobile phone payments instead of cash, and people who swipe cards are also missing a lot. According to the relevant data, in the first quarter of this year, Alipay and WeChat paid the two mobile payment methods. The market share of the third-party transaction scale is more than 90%, which shows that this proportion is very large. Last night, the payment transaction scale has reached more than 20 million, which shows that the user base and amount are very amazing, so it causes the covet of some illegal elements and ushers in a lot of network fraud.
In fact, whether Alipay or WeChat, the credibility of these two mobile payment platforms is very reliable, so they all need not worry about this problem, but some people will feel that they are still more secure in the traditional financial institutions, especially if the money is very high, the large amount of funds still exist in the bank. In response to this behavior, the central bank has officially announced new regulations, and this new regulation is also targeted at Alipay mobile payment platforms, including Alipay and WeChat.
According to the new regulation, the transaction volume of Alipay and WeChat platforms must be examined by the testing organizations if they are too large. That is to say, if we want to conduct transactions in the usual way, the amount of the transaction exceeds fifty thousand yuan, or the amount of foreign exchange or foreign currency more than ten thousand US dollars, the person who initiates the transaction will need to submit it within 35 days. The main purpose of the explanatory report is to ensure the normal implementation of the new regulations, and the central bank still has professionals to take charge of this work. The new regulations of mobile payment will be implemented from January 1, will it affect you?