Research Of The Financial Scene Platform’s Service Quality Evaluation

With the rapid development of IT technology and network communication technology, electronic commerce in our country grew rapidly over the past decade. In 2015,e-commerce sales in china was as high as 2.08 billion yuan,an increase of about 27% over the previous year.The rapid development of electronic commerce has brought the revolutionary influence to economic growth and people’s life.Many third comparison online payment platform comed out at the historic moment, meanwhile many Internet financial enterprise also arised, which makes large impact on the traditional commercial Banks. In recent years, along with the rapid growth of customer demand for mobile services, financial scene platform have accelerated in the layout of the various application scenarios, service quality has gradually become the core elements of the financial scene platform for innovating and developing.Take Alipay for example, Alipay only played a "based electronic wallet" role for servicing taobao firstly. On December 05th,2015,Alipay was stripped from taobao and became an independent operation.From then on,Alipay changed from "a single third-party platform" to "a finance scene application platform". On July 8th,2015, Alipay app updateed to version 9.0, and it became an organic whole all-around application platform, which has a set of life services, financial investment, credit points, social financial,which offers people more convenient service.Since Alipay’s establishment, Alipay has been always customer-centered, continue to find the customer needs and provide High-quality products and satisfactory service, especially paying attention to the control of the quality of service platform. Beacause the scene of the financial platform has advantages in the "quality of service",the revolution of scene finance taken by Internet financial platform brings huge impact to the traditional commercial bank, the bank’s financial intermediary function, information intermediary function is increasingly weakened. savings and loans, intermediary business have been impacted in different degrees, transformation of the traditional commercial bank is imperative.This article first expounds the definition and characteristics of the financial scene, and analyzes the business model of domestic scene financial platform, profit model and the evolution in China,and then it predicts the future trends of the scene finance. After comprehensively collecting and organizing the information of Alipay, the paper introduces the development, the business model and application scenario of Alipay Version 9.0 platform.After using the AHP to evaluate the evaluation index system of the quality of Alipay Version 9.0 platform, the paper analyzes the influence to commercial banks brought by Alipay Version 9.0.Finally, the summary of the article puts forward in "Scene financial revolution" of the impact and influence, the commercial banks should be customer-centered, paying more attention to the user experience, adhering to scientific and technological innovation, and creating a full scene application platform to meet customer’s needs.