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May 10, 2019

The Howling Era of Cashless Smart Technology



In the era of intelligent technology, traditional systems, concepts, cultures, and ideas have undergone tremendous changes and subversives. In today's world, the wave of change and innovation has rolled forward. People should be clear to reality. If people can benefit and do things properly, they do not have to follow the ancient rules. Jack Ma (boss of Alibaba)once said: "In the era of intelligence, banks don't change, we change banks." Jack Ma said that the mobile payment and Alipay have broken the traditional stereotypes of the bank, ushering the cash-free era, the no-card era, the era of no mobile payment, and even the efficient and fast technology of the face-swiping payment era.



What's the experience in an unmanned bank

Along with the continuous development of intelligent technology, intelligent+industry, medical, finance, agriculture, education, transportation, community , and other smart technology fields are born like storms. Unmanned supermarkets, tickets, toll stations, factories, driving, and other smart technologies have come one after another. However, have you ever heard of an unmanned bank? Not having a counter, an employee, a security guard, not having a lobby manager, seems like an out of the blue. In the age of intelligent technology, there is nothing you can't do, only you can't imagine.

"Unmanned bank", everyone knows that there will be this day, but did not expect to come so soon. When they stepped into the "unmanned bank" at that moment, got a complete shock. There is no security guard. Instead, there is a face recognition gate and a keen camera. Without a lobby manager, it is replaced by a sweet smile and a warm robot who is efficient and understands what you want. All you can say is wow, a large banking hall without people. In "unmanned banks", more than 90% of the cash and non-cash business can be handled. Complex business does not require people, just bring headphones and glasses, remote one-on-one. The unmanned bank has no regular weekends, holidays, statutory holidays rest time, and can be 24 hours uninterrupted business. In short, the aim of it is "does not want the person”, so, the huge system of bank personnel is about to fall apart, and the system of people's overthrow is about to end.

What does a cashless society look like?

With the popularity and development of Internet finance, mobile Internet and intelligent terminals, payment methods are undergoing earth-shaking changes. From online payment to offline code scanning and NFC payment, mobile payment has penetrated into all aspects of life and spread like a prairie fire. For merchants in clothing store, restaurant, supermarket and HXJQ Machinery,mobile payment can reduce receipt cost and solve the problem of cash management, guard against counterfeit money. For consumers, mobile payment brings a convenient and fast payment experience. Therefore, it is recognized by more and more people while the use of cash in daily trading frequency decline gradually. For many people, the first step in experiencing the convenience of mobile payments is to start by going out without cash.

Globally, many developed countries have gone a long way in terms of payment reform. In Denmark, for example, the function of the traditional cash is replaced by the payment of bank cards and various kinds of fashion. Since January this year, the Danish Central Bank has closed all its printing departments in Denmark, no longer printing and making cash. The country’s cashless life has been further deepened and maybe it will become the world’s first cashless country.

Consumer credit is playing an increasingly important role in daily life

Another example is the current payment in China. Per capita usage of cashless payment is very large, but how far is it from the complete "cashless" life? If we only look at the changes in payment methods and their popularity, it is not difficult to achieve a "cashless" society. But "cashless" society means not only the change in payment methods but also the accumulation and application of credit data behind each payment behavior.

These data from mobile payment will become the standard and threshold for judging personal credit in the future. Not long ago, the news that "Zhima credit score above 700 can apply for Japanese visa" made the user excited. However, before the user could really enjoy this treatment, Zhima credit expressed regretfully that this function could not be realized temporarily and the service stopped. Although it was a little awkward, from another perspective, this event also shows that consumer credit is playing an increasingly important role in daily life, and the perfection of the credit system determines the promotion degree of the " no cash" society.

The era of Unconscious Pay has arrived

The so-called "Unconscious Pay" is a fast payment service realized by the combination of parking lot license plate recognition technology and bank card. On April 17, Shenzhen Construction Bank launched the unconscious payment, which is based on the sub-technology. Users only need to bind the license plate to the UnionPay credit card at the beginning of the number 62 in mobile banking. Then the license plate is equivalent to the function of the credit card, and the user can go to parking lots, gas stations and other places to directly identify the license plate and deduct the fee. No cash, no bank cards, no mobile phone, and no sense of payment can be said to be another major change in the payment field, which attracts a large number of people's attention. In this era of rapid Internet development, unconscious payment came into being, in line with the trend of the times, and catered to the user's psychology. So, it owns optimistic and clear market prospects.

What can Unconscious Pay bring to people

First of all, Unconscious Pay has unique advantages. It fully grasps the user's psychology and gives full play to its simplicity and convenience. In the future, you will no longer need to carry cash, bank cards or even mobile phones when you go out, eliminating the need to scan the QR code or income code to pay. When you pass a gas station, you will not even need to open the car window and scan the license plate to pay. How can such a payment method be unattractive?

Secondly, there is a wide application space for non-inductive payment. Although it is mainly used in license plate recognition, in other fields, such as gas stations, medical care, withdrawals, and unmanned supermarkets, non-inductive payment still has application value and can be widely used. For example, in medical care, it is also a big challenge for modern people to see a doctor. if Unconscious Pay enters this field, it can easily solve the problem that there is no effective guidance in the process of medical treatment. And under the vents of new retail and unmanned supermarkets, the intervention of Unconscious Pay can bring consumers a different shopping experience.


 
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