As the largest mobile payment platform in China, Alipay will touch the hearts of hundreds of millions of users every time it reforms. Recently, Alipay announced a series of reform measures, which involved four categories of people have reduced their welfare. As soon as this news came out, it immediately aroused widespread attention and discussion. So, who exactly are these 4 types of people? What mistakes did they make? Let's take a look at why.
The first group of users who are affected are frequent small transactions. In the reform of Alipay, a certain amount of handling fees have been added for users who frequently make small transactions. This is because Alipay found that some users took advantage of the platform's free policy to make a large number of small transactions, although this behavior did not violate the rules technically, but it brought a lot of operating costs to Alipay. Therefore, Alipay has decided to charge a certain fee to such users in order to maintain the normal operation of the platform.
But many netizens said that it doesn't matter if it's closed, anyway, the amount given is not high, and now many people are using the gold on WeChatCow flowersCome instead of borrowing Huabei, the amount given is high and convenient, if you have a small partner who knows or has already opened it, leave it for comment, let everyone open it.
The second category is those who prefer to use Alipay for credit card repayments. In the past, Alipay provided users with a convenient credit card repayment service without charging any handling fees. However, with the surge in credit card repayments, Alipay had to adjust its strategy and began to charge a certain percentage of credit card repayments. This change is undoubtedly a big blow to those users who are used to using Alipay to repay credit cards.
The third category is some merchant users. Alipay has adjusted the rate of merchant collection in the reform, which means that for merchants in some industries, their collection costs will increase. The reason why Alipay does this is that it hopes that through the adjustment of the rate, merchants will be encouraged to provide better services, and at the same time, it can also reduce the bad behavior of merchants on the platform.
The fourth category is those individual users who rely on Alipay for capital turnover. Alipay's reform restricts the number of capital flows in personal accounts, which may cause some inconvenience to some users who rely on Alipay for short-term capital turnover. Alipay introduced this policy to prevent the risk of money laundering and other illegal money flows.
Are these 4 types of people really making mistakes? In fact, from Alipay's point of view, although their behavior did not violate laws and regulations, it affected Alipay's operational efficiency and service quality to a certain extent. Therefore, Alipay has adjusted relevant policies through reform, aiming to protect the rights and interests of most users, but also for its own sustainable development.
For us ordinary users, the reform of Alipay will undoubtedly bring some impact. However, we should also understand that the development of any platform needs to be constantly adjusted and optimized. As users, we should actively adapt to these changes, plan our use of funds reasonably, and at the same time find more convenience and benefits through other channels.