Using Alipay As A Case To Analyze The Profit Model Of Third Party Payment

With the penetration of the Internet and the development of e-commerce,third-party payment has risen rapidly.In the development,there are also many problems,among which the industry stratification problem is more prominent.Therefore,in the perspective of studying the profit model of third-party payment selection,on the one hand,it can give self-leading third-party payment companies such as Alipay and WeChat payment.On the other hand,we can give guidance to third-party payment companies in the direction of development.This paper firstly extracts the theory based on the third-party payment,profit model,financial and profit model,which is the theory of financial intermediation,value creation and value chain theory,and profit model element theory.Then on the theoretical basis,the definition of third-party payment,the status and characteristics of third-party payment,and the specific performance of the profit model elements in the third-party payment industry are briefly introduced,so that there is a general understanding of the third-party payment industry.After doing a good theoretical foundation and basic understanding of the industry,Alipay will be used as a case for more specific research.In the process of case analysis,combined with the major events in the development process of Alipay and the important products to explain the profit model elements of the third-party payment industry,the most representative characteristics of the third-party payment industry profit model represented by Alipay are found.It is an organic circulation structure with payment as the entrance and technology as the underlying support.And further combined with the current policy environment and third-party payment industry characteristics to make recommendations on the profit model of the development of the third-party payment industry.It is recommended to focus on the development of market segments,tap the value of data,and value the international market.