{"id":15405,"date":"2023-12-05T13:08:50","date_gmt":"2023-12-05T13:08:50","guid":{"rendered":"https:\/\/www.wooshpay.com\/?p=15405"},"modified":"2023-12-05T13:10:39","modified_gmt":"2023-12-05T13:10:39","slug":"the-wechat-pay-phenomenon-digital-wallets-reshaping-chinas-financial-landscapepart-one","status":"publish","type":"post","link":"https:\/\/d2jcf4noflr1cd.cloudfront.net\/ja\/resources\/%e7%9f%a5%e8%ad%98\/online-payments\/2023\/12\/05\/the-wechat-pay-phenomenon-digital-wallets-reshaping-chinas-financial-landscapepart-one\/","title":{"rendered":"WeChat\u30da\u30a4\u73fe\u8c61\uff1a\u4e2d\u56fd\u306e\u91d1\u878d\u60c5\u52e2\u3092\u5909\u3048\u308b\u30c7\u30b8\u30bf\u30eb\u30a6\u30a9\u30ec\u30c3\u30c8\uff08\u524d\u7de8\uff09"},"content":{"rendered":"<p>2011\u5e74\u306b\u30b7\u30f3\u30d7\u30eb\u306a\u30e1\u30c3\u30bb\u30fc\u30b8\u30f3\u30b0\u30fb\u30b5\u30fc\u30d3\u30b9\u3068\u3057\u3066\u59cb\u307e\u3063\u305fWeChat\u306f\u3001\u4ee5\u6765\u3001\u4e2d\u56fd\u306e\u65e5\u5e38\u751f\u6d3b\u306b\u6b20\u304b\u305b\u306a\u3044\u3082\u306e\u3068\u306a\u3063\u305f\u3002WeChat Pay\u306b\u3088\u308b\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u3078\u306e\u62e1\u5f35\u306f\u3001\u4eba\u3005\u306e\u53d6\u5f15\u65b9\u6cd5\u3092\u9855\u8457\u306b\u5909\u3048\u305f\u3002WeChat Pay\u304c\u53f0\u982d\u3059\u308b\u4ee5\u524d\u306f\u3001\u4e2d\u56fd\u3067\u306f\u73fe\u91d1\u3068\u4f1d\u7d71\u7684\u306a\u9280\u884c\u53d6\u5f15\u65b9\u6cd5\u304c\u91d1\u878d\u53d6\u5f15\u306e\u4e3b\u6d41\u3060\u3063\u305f\u3002\u672c\u8a18\u4e8b\u3067\u306f\u3001WeChat Pay\u304c\u4e2d\u56fd\u306b\u304a\u3051\u308b\u91d1\u878d\u53d6\u5f15\u306b\u3069\u306e\u3088\u3046\u306a\u5909\u5316\u3092\u3082\u305f\u3089\u3057\u305f\u304b\u306b\u3064\u3044\u3066\u8003\u5bdf\u3059\u308b\u3002 <a href=\"https:\/\/pay.weixin.qq.com\/index.php\/public\/wechatpay\">WeChat\u30da\u30a4<\/a> \u306f\u4e2d\u56fd\u306e\u91d1\u878d\u6d3b\u52d5\u306b\u5c0e\u5165\u3057\u305f\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-wechat-pay\">WeChat Pay\u3068\u306f<\/h2>\n\n\n\n<p>\u30e6\u30d3\u30ad\u30bf\u30b9\u306aWeChat\u30a2\u30d7\u30ea\u306b\u7d44\u307f\u8fbc\u307e\u308c\u305fWeChat Pay\u306f\u3001\u30e6\u30fc\u30b6\u30fc\u304c\u69d8\u3005\u306a\u53d6\u5f15\u3092\u7c21\u5358\u306b\u884c\u3048\u308b\u30c7\u30b8\u30bf\u30eb\u30a6\u30a9\u30ec\u30c3\u30c8\u30b5\u30fc\u30d3\u30b9\u3067\u3042\u308b\u3002\u30c6\u30f3\u30bb\u30f3\u30c8\u306b\u3088\u308b\u3068\u30012022\u5e74\u306b\u306f10\u5104\u4eba\u4ee5\u4e0a\u306e\u30a2\u30af\u30c6\u30a3\u30d6\u30fb\u30e6\u30fc\u30b6\u30fc\u304cWeChat\u3092\u5229\u7528\u3057\u3001\u305d\u306e\u591a\u304f\u304c\u305d\u306e\u5229\u4fbf\u6027\u3068\u5b89\u5168\u6027\u304b\u3089WeChat Pay\u3092\u5229\u7528\u3057\u3066\u3044\u308b\u3002\u540c\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306fQR\u30b3\u30fc\u30c9\u6280\u8853\u3092\u63a1\u7528\u3057\u3001\u30e6\u30fc\u30b6\u30fc\u3068\u52a0\u76df\u5e97\u9593\u306e\u30b9\u30e0\u30fc\u30ba\u306a\u6c7a\u6e08\u3092\u5b9f\u73fe\u3059\u308b\u3068\u3068\u3082\u306b\u3001\u9ad8\u5ea6\u306a\u6697\u53f7\u5316\u306b\u3088\u308a\u53d6\u5f15\u3092\u4fdd\u8b77\u3057\u3066\u3044\u308b\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"512\" src=\"https:\/\/wooshpay-official-img.oss-accelerate.aliyuncs.com\/wp-content\/uploads\/2023\/12\/523-1024x512.jpg?x-oss-process=style\/webp\" alt=\"WeChat Pay\u3068\u306f\" class=\"wp-image-15408\" srcset=\"https:\/\/wooshpay-official-img.oss-accelerate.aliyuncs.com\/wp-content\/uploads\/2023\/12\/523-1024x512.jpg?x-oss-process=style\/webp 1024w, https:\/\/wooshpay-official-img.oss-accelerate.aliyuncs.com\/wp-content\/uploads\/2023\/12\/523-300x150.jpg?x-oss-process=style\/webp 300w, https:\/\/wooshpay-official-img.oss-accelerate.aliyuncs.com\/wp-content\/uploads\/2023\/12\/523-768x384.jpg?x-oss-process=style\/webp 768w, https:\/\/wooshpay-official-img.oss-accelerate.aliyuncs.com\/wp-content\/uploads\/2023\/12\/523-360x180.jpg?x-oss-process=style\/webp 360w, https:\/\/wooshpay-official-img.oss-accelerate.aliyuncs.com\/wp-content\/uploads\/2023\/12\/523-1536x768.jpg?x-oss-process=style\/webp 1536w, https:\/\/wooshpay-official-img.oss-accelerate.aliyuncs.com\/wp-content\/uploads\/2023\/12\/523-2048x1024.jpg?x-oss-process=style\/webp 2048w, https:\/\/wooshpay-official-img.oss-accelerate.aliyuncs.com\/wp-content\/uploads\/2023\/12\/523-18x9.jpg?x-oss-process=style\/webp 18w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-pre-wechat-pay-scenario\">WeChat\u30da\u30a4\u4ee5\u524d\u306e\u30b7\u30ca\u30ea\u30aa<\/h2>\n\n\n\n<p>\u4e2d\u56fd\u7d4c\u6e08\u306f\u304b\u3064\u3066\u3001\u73fe\u91d1\u53d6\u5f15\u306b\u5927\u304d\u304f\u4f9d\u5b58\u3057\u3066\u3044\u305f\u3002\u4eba\u3005\u306f\u5927\u5c0f\u306b\u304b\u304b\u308f\u3089\u305a\u73fe\u7269\u306e\u901a\u8ca8\u3092\u4f7f\u3063\u3066\u8cb7\u3044\u7269\u3092\u3057\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306f\u9762\u5012\u306a\u7533\u8acb\u624b\u7d9a\u304d\u3084\u73fe\u91d1\u306b\u50be\u5012\u3059\u308b\u6587\u5316\u7684\u80cc\u666f\u304b\u3089\u3042\u307e\u308a\u597d\u307e\u308c\u306a\u304b\u3063\u305f\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-rise-of-mobile-payments-in-china\">\u4e2d\u56fd\u306b\u304a\u3051\u308b\u30e2\u30d0\u30a4\u30eb\u6c7a\u6e08\u306e\u53f0\u982d<\/h2>\n\n\n\n<p>\u30b9\u30de\u30fc\u30c8\u30d5\u30a9\u30f3\u304c\u666e\u53ca\u3057\u3001\u30a4\u30f3\u30bf\u30fc\u30cd\u30c3\u30c8\u3078\u306e\u30a2\u30af\u30bb\u30b9\u304c\u4e2d\u56fd\u5168\u571f\u306b\u5e83\u304c\u3063\u305f\u3053\u3068\u3067\u3001\u91cd\u8981\u306a\u5909\u5316\u304c\u8d77\u304d\u305f\u3002\u30e2\u30d0\u30a4\u30eb\u6c7a\u6e08\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u306f\u6025\u901f\u306b\u666e\u53ca\u3057\u59cb\u3081\u305f\u30022016\u5e74\u306e\u5831\u544a\u306b\u3088\u308b\u3068\u3001\u30e2\u30d0\u30a4\u30eb\u6c7a\u6e08\u30b5\u30fc\u30d3\u30b9\u306f\u4e2d\u56fd\u306e\u30b9\u30de\u30fc\u30c8\u30d5\u30a9\u30f3\u30e6\u30fc\u30b6\u30fc\u306e\u534a\u6570\u4ee5\u4e0a\u3092\u865c\u306b\u3057\u3066\u304a\u308a\u3001\u3053\u308c\u306f\u308f\u305a\u304b\u6570\u5e74\u524d\u304b\u3089\u306e\u8457\u3057\u3044\u4e0a\u6607\u3067\u3042\u308b\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-wechat-pay-works\">WeChat\u30da\u30a4\u306e\u4ed5\u7d44\u307f<\/h2>\n\n\n\n<p>\u30e6\u30fc\u30b6\u30fc\u306fWeChat Pay\u3092\u5229\u7528\u3059\u308b\u305f\u3081\u306b\u3001\u9280\u884c\u53e3\u5ea7\u3092\u30a2\u30d7\u30ea\u306e\u30c7\u30b8\u30bf\u30eb\u30a6\u30a9\u30ec\u30c3\u30c8\u306b\u30ea\u30f3\u30af\u3055\u305b\u308b\u3002\u305d\u306e\u5f8c\u3001\u52a0\u76df\u5e97\u306e <a href=\"https:\/\/en.wikipedia.org\/wiki\/QR_code\">QR\u30b3\u30fc\u30c9<\/a> \u3092\u63d0\u793a\u3059\u308b\u304b\u3001\u30b9\u30ad\u30e3\u30f3\u3057\u3066\u5373\u5ea7\u306b\u8cfc\u5165\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u30022018\u5e74\u306e\u72ec\u8eab\u306e\u65e5\u306b\u306f\u3001WeChat Pay\u306e\u3088\u3046\u306a\u30e2\u30d0\u30a4\u30eb\u30fb\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u304c\u6570\u767e\u4e07\u4ef6\u306e\u53d6\u5f15\u3092\u51e6\u7406\u3057\u3001\u305d\u306e\u666e\u53ca\u3092\u6d6e\u304d\u5f6b\u308a\u306b\u3057\u305f\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"524\" src=\"https:\/\/wooshpay-official-img.oss-accelerate.aliyuncs.com\/wp-content\/uploads\/2023\/12\/screen_shot_2017-11-03_at_133435_4lYK9vX-1024x524.png?x-oss-process=style\/webp\" alt=\"WeChat\u30da\u30a4\u306e\u4ed5\u7d44\u307f\" class=\"wp-image-15409\" srcset=\"https:\/\/wooshpay-official-img.oss-accelerate.aliyuncs.com\/wp-content\/uploads\/2023\/12\/screen_shot_2017-11-03_at_133435_4lYK9vX-1024x524.png?x-oss-process=style\/webp 1024w, https:\/\/wooshpay-official-img.oss-accelerate.aliyuncs.com\/wp-content\/uploads\/2023\/12\/screen_shot_2017-11-03_at_133435_4lYK9vX-300x154.png?x-oss-process=style\/webp 300w, https:\/\/wooshpay-official-img.oss-accelerate.aliyuncs.com\/wp-content\/uploads\/2023\/12\/screen_shot_2017-11-03_at_133435_4lYK9vX-768x393.png?x-oss-process=style\/webp 768w, https:\/\/wooshpay-official-img.oss-accelerate.aliyuncs.com\/wp-content\/uploads\/2023\/12\/screen_shot_2017-11-03_at_133435_4lYK9vX-18x9.png?x-oss-process=style\/webp 18w, https:\/\/wooshpay-official-img.oss-accelerate.aliyuncs.com\/wp-content\/uploads\/2023\/12\/screen_shot_2017-11-03_at_133435_4lYK9vX.png?x-oss-process=style\/webp 1078w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-impact-on-businesses-and-consumers\">\u4f01\u696d\u3068\u6d88\u8cbb\u8005\u3078\u306e\u5f71\u97ff<\/h2>\n\n\n\n<p>WeChat\u30da\u30a4\u306f\u3001\u9ad8\u4fa1\u306aPOS\u30b7\u30b9\u30c6\u30e0\u306e\u52b9\u7387\u7684\u306a\u4ee3\u66ff\u624b\u6bb5\u3092\u63d0\u4f9b\u3059\u308b\u3053\u3068\u3067\u3001\u4f01\u696d\u304c\u652f\u6255\u3044\u3092\u53d7\u3051\u308b\u65b9\u6cd5\u306b\u9769\u547d\u3092\u3082\u305f\u3089\u3057\u305f\u3002\u7279\u306b\u5c0f\u898f\u6a21\u306e\u696d\u8005\u306b\u3068\u3063\u3066\u306f\u3001QR\u30b3\u30fc\u30c9\u3092\u8868\u793a\u3057\u3066\u652f\u6255\u3044\u3092\u53d7\u3051\u4ed8\u3051\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u3001\u6069\u6075\u3092\u53d7\u3051\u3066\u3044\u308b\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"691\" src=\"https:\/\/wooshpay-official-img.oss-accelerate.aliyuncs.com\/wp-content\/uploads\/2023\/12\/\u5fae\u4fe1\u622a\u56fe_20231130205639-1024x691.jpg?x-oss-process=style\/webp\" alt=\"\u4f01\u696d\u3068\u6d88\u8cbb\u8005\u3078\u306e\u5f71\u97ff\" class=\"wp-image-15410\" srcset=\"https:\/\/wooshpay-official-img.oss-accelerate.aliyuncs.com\/wp-content\/uploads\/2023\/12\/\u5fae\u4fe1\u622a\u56fe_20231130205639-1024x691.jpg?x-oss-process=style\/webp 1024w, https:\/\/wooshpay-official-img.oss-accelerate.aliyuncs.com\/wp-content\/uploads\/2023\/12\/\u5fae\u4fe1\u622a\u56fe_20231130205639-300x202.jpg?x-oss-process=style\/webp 300w, https:\/\/wooshpay-official-img.oss-accelerate.aliyuncs.com\/wp-content\/uploads\/2023\/12\/\u5fae\u4fe1\u622a\u56fe_20231130205639-768x518.jpg?x-oss-process=style\/webp 768w, https:\/\/wooshpay-official-img.oss-accelerate.aliyuncs.com\/wp-content\/uploads\/2023\/12\/\u5fae\u4fe1\u622a\u56fe_20231130205639-360x243.jpg?x-oss-process=style\/webp 360w, https:\/\/wooshpay-official-img.oss-accelerate.aliyuncs.com\/wp-content\/uploads\/2023\/12\/\u5fae\u4fe1\u622a\u56fe_20231130205639-1536x1037.jpg?x-oss-process=style\/webp 1536w, https:\/\/wooshpay-official-img.oss-accelerate.aliyuncs.com\/wp-content\/uploads\/2023\/12\/\u5fae\u4fe1\u622a\u56fe_20231130205639-18x12.jpg?x-oss-process=style\/webp 18w, https:\/\/wooshpay-official-img.oss-accelerate.aliyuncs.com\/wp-content\/uploads\/2023\/12\/\u5fae\u4fe1\u622a\u56fe_20231130205639.jpg?x-oss-process=style\/webp 1809w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u6d88\u8cbb\u8005\u306b\u3068\u3063\u3066\u3001\u3053\u306e\u79fb\u884c\u306f\u5546\u54c1\u3084\u30b5\u30fc\u30d3\u30b9\u306e\u8cfc\u5165\u3092\u5927\u5e45\u306b\u7c21\u7d20\u5316\u3057\u305f\u3002\u4e2d\u56fd\u30c8\u30c3\u30d7\u306e\u30e9\u30a4\u30c9\u30d8\u30a4\u30ea\u30f3\u30b0\u30b5\u30fc\u30d3\u30b9\u3067\u3042\u308b\u6ef4\u6ef4\u51fa\u884c\uff08\u30c7\u30a3\u30c7\u30a3\u30fb\u30c1\u30e5\u30fc\u30b7\u30f3\uff09\u306f\u3001\u30e9\u30a4\u30c0\u30fc\u304c\u30a2\u30d7\u30ea\u5185\u3067\u76f4\u63a5WeChat\u3092\u4f7f\u3063\u3066\u652f\u6255\u3046\u3053\u3068\u304c\u3067\u304d\u308b\u3002\u307e\u305f\u3001\u30a6\u30a9\u30eb\u30de\u30fc\u30c8\u304c\u30c6\u30f3\u30bb\u30f3\u30c8\u3068\u63d0\u643a\u3057\u3001\u4e2d\u56fd\u5168\u571f\u306e\u5e97\u8217\u3067\u30ec\u30b8\u306eQR\u30b3\u30fc\u30c9\u3092\u30b9\u30ad\u30e3\u30f3\u3057\u3066WeChat Pay\u3092\u5229\u7528\u3067\u304d\u308b\u3088\u3046\u306b\u3057\u305f\u4f8b\u3082\u3042\u308b\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\">\u7d50\u8ad6<\/h2>\n\n\n\n<p>\u307e\u3068\u3081\u308b\u3068\u3001WeChat Pay\u306f\u6d88\u8cbb\u8005\u306b\u3068\u3063\u3066\u3082\u4f01\u696d\u306b\u3068\u3063\u3066\u3082\u540c\u69d8\u306b\u53d6\u5f15\u3092\u7c21\u5358\u304b\u3064\u52b9\u7387\u7684\u306b\u3059\u308b\u3053\u3068\u3067\u3001\u9593\u9055\u3044\u306a\u304f\u4e2d\u56fd\u306e\u91d1\u878d\u529b\u5b66\u3092\u5909\u5316\u3055\u305b\u305f\u3002WeChat\u30da\u30a4\u304c\u4e2d\u56fd\u5168\u571f\u306e\u5546\u53d6\u5f15\u306b\u591a\u5927\u306a\u5f71\u97ff\u3092\u4e0e\u3048\u3066\u3044\u308b\u3053\u3068\u3092\u793a\u3059\u8907\u6570\u306e\u4e8b\u4f8b\u3092\u898b\u308c\u3070\u3001\u30c7\u30b8\u30bf\u30eb\u30fb\u30a6\u30a9\u30ec\u30c3\u30c8\u304c\u5c06\u6765\u306e\u91d1\u878d\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u306e\u821e\u53f0\u3092\u6574\u3048\u3064\u3064\u3042\u308b\u3053\u3068\u306f\u660e\u3089\u304b\u3060\u3002<\/p>\n\n\n\n<p>\u4eca\u5f8c\u306e\u8a18\u4e8b\u3067\u306f\u3001WeChat 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began as a simple messaging service in 2011 and has since become an essential part of daily life in China. Its extension into financial services with WeChat Pay has notably changed how people handle transactions. Before the rise of WeChat Pay, cash and traditional banking methods dominated financial transactions in China. 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