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MOBILE PAYMENTS IN CHINA AND
SOUTHEAST ASIA
April 24, 2019
In China, More Than A Half Is Third-Party Payment
Cash Payment
19%
Third-party Payment
54%
Card Payment
27%
Proportion of ...
Alipay and Tenpay Take the Lion Shares of Mobile Payments
Others
7%
WeChat Pay
39%
Alipay
54%
China Third-party Mobile Pay...
The Story Is Different in Southeast Asia
Card
27%
eWallet
13%
Cash
15%
INDONESIA
(Source: PPRO)
Indonesia
Card
33%
eWallet
8%
Cash
13%
MALAYSIA
(Source: PPRO)
Card
79%
eWallet
12%
Cash
2%
SINGAPORE
(Source: PPRO)
Card
11%
eWallet
6%
Cash
52%
VIETNAM
(Source: PPRO)
Momo Significant Growth in Vietnam
(Source: Momo)
Card
19%
eWallet
20%
Cash
20%
THAILAND
(Source: PPRO)
1.
QR CODE PAYMENT -
CHINA VS. SOUTHEAST ASIA
Types of Mobile Payments
QR Code Payment NFC Payment
Others: direct mobile billing, mobile web payment (WAP), SMS-based pa...
How Is QR Code Payment Different in China,
Compared to Southeast Asia?
QR Code Is a Standard in China
WeChat integrated QR code scanning since the beginning and made it a standard to use the ap...
QR Code Is a Standard in China
QR Code Is a Standard in China
2.
CAN SEA EMULATE THE
SUCCESS OF CHINA IN QR
CODE PAYMENT?
The Acceptance of QR Code Payment Approach
We will need to have a leading company that will be able to take the role of dr...
The Interoperability of QR Code Payment Services
SGQR (Singapore)
This unified QR code will be adopted by 27 payment
scheme...
3.
API AND INFRASTRUCTURE
The Roles of APIs
APIs have been used in the center of recent development
stacks (Micro Services, Containerization, Server...
Types of WeChat Payments for Companies
Quick
Pay
In-App Web-
based Payment
QR Code
Payment
In-App
Payment
WeChat Provides Different Payment APIs
Submit payment code
Checking order
Cancel order
Request a refund
Download historica...
Payment Infrastructure Is Very Simple…
Code scanner
connected to the
cashier system
Smartphone
with camera
feature
WeChat ...
…But the Payment Integration Requires Some Technical
Development
Documentationsavailable in English/Chinese: https://pay.w...
On GitHub, to look for community modules for WeChat, use:
weixin pay
wxpay
4.
MERCHANT ONBOARDING
PROCESS
Requirements to Open WeChat Pay (or Alipay)
Local WeChat Payment
You already have a company registered in mainland China a...
Application Process
Submit information Sign a contract
Bind the merchant
number and APPID
Open a WeChat
Payment business
v...
5.
CASE STUDIES
Galeries Lafayette Department Store
Galeries Lafayette Group's BHV Marais, launched a smart department store solution
aime...
E-commerce Store of Estee Lauder
Starting from a social platform providing product reviews, Xiaohongshu has integrated e-
commerce features and now opens i...
Top-up Skytrain Cards With Rabbit LINE Pay in Thailand
• In Thailand, Line Pay partnered with Rabbit (contactless transpor...
Key Takeaways
1
2
3
The domination of tech giants and seamless experience in China
makes QR code payment become a standard...
ITC empowers the most ambitious brands on their digital transformation in China and across
other Asian markets. With a tea...
Serving Clients Across All Industries
Mobile Apps
Web Apps
O2O
APPS
Corporate
Art Direction
Drupal/Laravel/Wordpress
WEBSITES
Experiences
Analytics
Concepts
IN-...
Let’s Keep in Touch
Adrien Boué
General Manager of ITC Singapore Office
• Email: adrien.boue@it-consultis.com
• Mobile: +65...
APIdays Singapore 2019 - Advancing Mobile Payments in China and Southeast Asia, Adrien Boue, General Manager Singapore, IT...
APIdays Singapore 2019 - Advancing Mobile Payments in China and Southeast Asia, Adrien Boue, General Manager Singapore, IT...
APIdays Singapore 2019 - Advancing Mobile Payments in China and Southeast Asia, Adrien Boue, General Manager Singapore, IT...
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APIdays Singapore 2019 - Advancing Mobile Payments in China and Southeast Asia, Adrien Boue, General Manager Singapore, IT Consultis

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APIdays Singapore 2019 - Advancing Mobile Payments in China and Southeast Asia, Adrien Boue, General Manager Singapore, IT Consultis

  1. 1. MOBILE PAYMENTS IN CHINA AND SOUTHEAST ASIA April 24, 2019
  2. 2. In China, More Than A Half Is Third-Party Payment Cash Payment 19% Third-party Payment 54% Card Payment 27% Proportion of Third-Party Payments in China Q3 2018 (Source: Ipos, November 2018)
  3. 3. Alipay and Tenpay Take the Lion Shares of Mobile Payments Others 7% WeChat Pay 39% Alipay 54% China Third-party Mobile Payment Market Share by Transaction Values in Q4 2018 (Source: Analysys, March 2019)
  4. 4. The Story Is Different in Southeast Asia
  5. 5. Card 27% eWallet 13% Cash 15% INDONESIA (Source: PPRO) Indonesia
  6. 6. Card 33% eWallet 8% Cash 13% MALAYSIA (Source: PPRO)
  7. 7. Card 79% eWallet 12% Cash 2% SINGAPORE (Source: PPRO)
  8. 8. Card 11% eWallet 6% Cash 52% VIETNAM (Source: PPRO)
  9. 9. Momo Significant Growth in Vietnam (Source: Momo)
  10. 10. Card 19% eWallet 20% Cash 20% THAILAND (Source: PPRO)
  11. 11. 1. QR CODE PAYMENT - CHINA VS. SOUTHEAST ASIA
  12. 12. Types of Mobile Payments QR Code Payment NFC Payment Others: direct mobile billing, mobile web payment (WAP), SMS-based payment, etc.
  13. 13. How Is QR Code Payment Different in China, Compared to Southeast Asia?
  14. 14. QR Code Is a Standard in China WeChat integrated QR code scanning since the beginning and made it a standard to use the app.
  15. 15. QR Code Is a Standard in China
  16. 16. QR Code Is a Standard in China
  17. 17. 2. CAN SEA EMULATE THE SUCCESS OF CHINA IN QR CODE PAYMENT?
  18. 18. The Acceptance of QR Code Payment Approach We will need to have a leading company that will be able to take the role of driving the people towards the QR Code. “To break habits of using cash, Grab is creating more daily use cases for cashless payment – commuting, food delivery, paying at food and retail stalls - to drive more usage of the GrabPay e-wallet,” Grab said
  19. 19. The Interoperability of QR Code Payment Services SGQR (Singapore) This unified QR code will be adopted by 27 payment schemes including PayNow, Nets, GrabPay, Liquid Pay, Singtel Dash, and more PromptPay (Thailand) The interbank mobile payments system connecting Kbank Plus, SCB, Bangkok Bank, TMB Touch, KrungThai Netbank, Krungsri mobile app, and more
  20. 20. 3. API AND INFRASTRUCTURE
  21. 21. The Roles of APIs APIs have been used in the center of recent development stacks (Micro Services, Containerization, Serverless). APIs are a key principle to automate and have the data flow
  22. 22. Types of WeChat Payments for Companies Quick Pay In-App Web- based Payment QR Code Payment In-App Payment
  23. 23. WeChat Provides Different Payment APIs Submit payment code Checking order Cancel order Request a refund Download historical transaction list Transaction guarantee Authorization code query Refund result notification
  24. 24. Payment Infrastructure Is Very Simple… Code scanner connected to the cashier system Smartphone with camera feature WeChat Pay integrated to e-commerce stores, mini programs, etc.
  25. 25. …But the Payment Integration Requires Some Technical Development Documentationsavailable in English/Chinese: https://pay.weixin.qq.com/wechatpay_guide/help_docs.shtml UXis different between paying inside WeChat (Native WeChat Pay UI) or on a desktop (having a QR code), so more scenarios to cover than a classic payment gateway. Community modulesare available to help integrate the payment gateways. N/A: For WeChat Pay inside China, you also need a Chinese business license and ICP to set up. 1 2 3
  26. 26. On GitHub, to look for community modules for WeChat, use: weixin pay wxpay
  27. 27. 4. MERCHANT ONBOARDING PROCESS
  28. 28. Requirements to Open WeChat Pay (or Alipay) Local WeChat Payment You already have a company registered in mainland China and can accept payments in RMB Cross-border WeChat Payment Create a WeChat cross-border payment account that connects with your overseas bank account and can settle in your local currency Note: If you don’t have a company registered anywhere, then you won’t be eligible
  29. 29. Application Process Submit information Sign a contract Bind the merchant number and APPID Open a WeChat Payment business version
  30. 30. 5. CASE STUDIES
  31. 31. Galeries Lafayette Department Store Galeries Lafayette Group's BHV Marais, launched a smart department store solution aimed at meeting Chinese tourists' needs.
  32. 32. E-commerce Store of Estee Lauder
  33. 33. Starting from a social platform providing product reviews, Xiaohongshu has integrated e- commerce features and now opens its own offline stores to leverage the large user base. QR Code payment such as WeChat Pay is available in Xiaohongshu. Xiaohongshu - Emerging Social Commerce WeChat Pay
  34. 34. Top-up Skytrain Cards With Rabbit LINE Pay in Thailand • In Thailand, Line Pay partnered with Rabbit (contactless transportation card) to allow its customers to top-up their BTS (Skytrain) cards at the station. • Rabbit Line Pay had 5 million users and the numbers were up 50% in less than six months, with a minimum of 10,000 additional users everyday. (Source: Bangkok Post)
  35. 35. Key Takeaways 1 2 3 The domination of tech giants and seamless experience in China makes QR code payment become a standard. To popularize QR Code payment in Southeast Asia, we need to change customer’s habit and make the method more centralized and available at more touchpoints. APIs plays a vital role in the integration of QR Code payment and may require some additional work and UX interactions.
  36. 36. ITC empowers the most ambitious brands on their digital transformation in China and across other Asian markets. With a team of 70 experts in three countries, ITC leverages martech, e- commerce and omnichannel solutions to maximize client’s  ROI. years of passionate work 8+ talented team members 70+ 14+ different nationalities 450+ satisfied clientsoffices across Asia 3 ITC in Numbers 40%+ female members
  37. 37. Serving Clients Across All Industries
  38. 38. Mobile Apps Web Apps O2O APPS Corporate Art Direction Drupal/Laravel/Wordpress WEBSITES Experiences Analytics Concepts IN-STORE Magento Drupal Social Commerce E-COMMERCE Our Services Performance Localization Consulting STRATEGY CRM Mini Programs Campaigns WECHAT 41
  39. 39. Let’s Keep in Touch Adrien Boué General Manager of ITC Singapore Office • Email: adrien.boue@it-consultis.com • Mobile: +65.8351.6014 Add me on WeChat

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