Cloud POS promotion achieved good results and opened up the last mile of Inclusive Finance


With the advent of the mobile Internet era, cloud POS, which integrates multiple innovative payment applications, has become the mainstream of development for the payment industry. At the same time, the cloud POS financial assistance service mode was vigorously promoted, and achieved good results in the last mile of the inclusive Pratt & Whitney Finance.

At present, cloud POS promotion has achieved at least three major results. First, boosting bank cards has realized “one-stop” service for inter-bank transfer, alleviating the pressure on counters at financial outlets. Second, using cloud POS as a carrier to open a smart O2O e-commerce platform to solve the “difficulties” of farmers’ consumption and circulation. Third, the cloud POS application continues to expand, boosting the O2O e-commerce platform to achieve five major functions, and open the last mile of Pratt & Whitney Finance.

However, although it achieved good results, it also exposed many problems during the actual promotion process. Specifically, cloud POS promotion faces the following four aspects.

First, rural financial institutions are not targeted at the promotion of innovative cloud POS payment applications. There are not many methods and the effect is not obvious. Compared with urban residents, rural financial knowledge is poorly popular, and there is limited understanding of new settlement instruments or methods, which must rely on the propaganda of rural financial institutions. However, financial institutions have a single propaganda content on cloud POS payment, the propaganda is narrow and the pertinence is not strong, and there are not many propaganda methods and methods, which makes the cloud POS function not fully reflected.

Second, cloud POS is difficult to promote as a new type of agricultural service. Promoting cloud POS is of great significance to the implementation of inclusive financial strategy, but it is still difficult to promote it as a means of supporting agriculture. On the one hand, rural residents are accustomed to cash consumption, and do not know much about e-commerce, O2O, etc.; on the other hand, they are affected by the economic, regional and ideological concepts of rural areas.

Third, the professional quality of machine operators in e-commerce service points in rural areas is low, and the advantages of cloud POS e-commerce platform cannot be fully utilized. The lack of professional talents hinders the promotion of cloud POS in rural areas, resulting in imbalanced supply and demand ratios of financial services in rural areas, limited coverage, and the advantages of cloud POS e-commerce platform cannot be fully utilized.

Fourth, the popularity of smartphones in rural areas is low, which limits the use of cloud POS. The popularity of smartphones in rural areas is still low, which has caused a lot of limitations on cloud POS promotion.

In response to the above problems, according to the analysis of the Prospective Industry Research Institute, it is necessary to solve the problem from various aspects in the future, including increasing publicity and training, and strengthening personnel training; further improving the O2O e-commerce business and promoting the widespread application of cloud POS application functions; The training of the machine operators of the cloud POS e-commerce service point will increase the promotion of the cloud POS application function; appropriately promote the gift machine to reach a certain amount of consumption.

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