微信理财通首秀仓惶

1月15日,传说中的微信版“余额宝”千呼万唤始出来,但这不是一次成功的亮相,略显仓惶。

移动互联浪潮下,第三方支付迎来第二春,有了新的机会窗口。一直落后于支付宝的腾讯财付通,挂上马甲微信支付,在微信7亿用户以及高频使用的加持下,被解读成颠覆支付宝的产品。

支付宝与财付通微信支付的竞争,成为时下最in的话题,即便在理财领域,两家明争暗斗,相战欢。

去年,支付宝与天弘基金合作,推出余额宝,此后关于“微信版余额宝”的消息频频爆出,阿里集团入股天弘基金后,业内也传出微信版余额宝将与四家基金公司合作,不过,微信版余额宝——“理财通”,一开始露面却是与华夏基金独家合作。

有趣的是,理财通上线日,支付宝与天弘基金突然宣布,截至2014年1月15日,余额宝规模超过2500亿。华夏基金2013年年末2447.15亿元的资产管理规模,也就是说,天弘很可能已超越华夏基金,成为行业第一。

首位被超的顾虑或许加速了华夏基金与财付通微信支付的合作。不过,理财通首秀与华夏基金的独家,也引起另外三家基金的不满,甚至惊呼被耍了。据称,合作基金公司除了要承担垫资的费用和成本外,还需要向财付通支付一笔不菲的营销费,这笔营销费是为了“买断客户”。即财付通按照微信为基金公司带来的客户数量收费,一个用户开户即收取10元,如果客户开户后购买了货币基金再收取5元,如果客户购买股票基金则再收取15元。

事实上,华夏基金与财付通微信支付对接的是华夏财富宝基金,其实这支基金早就在淘宝理财频道华夏基金店铺上架。华夏基金与财付通微信支付的合作,体现了微信支付与微信在渠道上压迫式优势。不过,微信支付似乎并没有完善产品与体验,理财通的上线,略显仓惶。

首先,买基金容易,提现难,宽进严出。理财通此次并没有PC版本,微信客户端是唯一操作入口。资金转入最低为0.01元,但单卡申购金额不得超过8000元,账户资金不得超过100万。试运行期间,提现金额不得超过6000元,每日最多体现3次。

其次,对接银行太少,支付通路窄。理财通产品基于微信支付,微信支付又是基于腾讯财付通。财付通公开资料显示,财付通快捷支付支持国内52家银行,不过,支付宝快捷支付接入的银行近180家,而微信支付目前只接入了12家银行。

最后,可流动性明显不足,资金转出后到帐时间长。理财通微信支付对接的12家银行支持11家2小时内到帐,不过,余额宝到帐时间更短,中信、光大、平安、招商更能实时到帐,也能转账到支付宝。理财通与华夏基金的合作,上线24小时后便戛然而止,微信称“第一批体验名额已满,敬请关注第二批”。有人戏称是,期货基金,饥饿营销。互联网产品便是试错改进,快速迭代,理财通首秀的分批次,应视为试水试验。测试一说有待证实。

但也有人说,微信支付后台不稳,此前与小米的合作,便出现过故障。必须承认,有微信的强势资源,腾讯公司财付通的确有弯道追赶的希望,只是,微信支付应该强化基础运营与客户体验。

理财通这次仓惶首秀,有些匆忙上线,跑得太快,未必是好事。只是金融理财产品更注意安全与专业,理财通首秀,很显然给用户的体验并不好。停下来,等等你的灵魂吧,微信有资源,支付也好,互联网金融也罢,都有机会,不急。

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