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随着我国网络信息技术的飞速发展,第三方支付平台孕育而生。第三方支付为用户创造了便利、快速的支付方式,在近年来第三方支付用户大幅度增长,已逐渐渗透至传统银行领域,从而对银行业务发展造成了巨大冲击。正常而言,第三方支付和网上银行业务发展各具特色,不过第三方支付的用户增长速度却明显高于传统网上银行,使得传统银行核心地位受到冲击。因此,网上银行必须参考第三方发展的经验,改善自身存有的问题,使自身能在未来支付领域占据主动位置。
With the rapid development of network information technology in our country, the third-party payment platform is born. Third-party payment has created a convenient and fast payment method for users. In recent years, third-party payment users have grown substantially and have gradually infiltrated the traditional banking sector, causing a huge impact on the banking business. Normally, the development of third-party payment and online banking have their own unique characteristics. However, the growth rate of third-party payment users is significantly higher than that of the traditional online banking, making the traditional banking core status impacted. Therefore, online banking must refer to the experience of third-party development to improve its existing problems so that it can take the initiative in the field of payment in the future.