文/薛洪言近日，有媒体报道，微信正在内测一款名为“零钱通”的活期理财产品，与理财通其他产品不同，零钱通将具备支付功能，可用于微信内转账、发红包、还信用卡等，与支付宝的余额宝、苏宁支付的零钱宝等功能定位一致。看上去，具有支付功能的活期理财产品早已有之，微信支付这次的更新并非引领潮流，反倒有拾人牙慧之嫌。不过，考虑到微信是一款拥有近10亿用户的超级APP，任何一个小更新哪怕是过时的更新都有重大的影响，零钱通也是如此。不出意料，零钱通的上线将强化微信支付的用户体验，进一步提升其竞争力优势，对其他竞对产品而言，无疑会带来一定的客户分流效应。对笔者而言，一款“过时”的产品并没有太大的分析价值，真正值得大...
Text/Xue Hongyan recently, media reports, WeChat is inside a called via "change" in the current financial products, and money on other products, the change will have to pay function, can be used to transfer within WeChat, send a red envelope, also a credit card, etc., and the balance of pay treasure to pay treasure, suning change treasure and function orientation. Look, which has the function of payment have already current wealth management products, micro letter to pay this update is not lead, but rather to have written. However, considering the WeChat is a super APP has nearly 1 billion users, a small update any update even if it is out of date, there is a significant impact, so change pass. Not surprisingly, the change of online payment will strengthen the micro letter of user experience, further enhance its competitive advantage, for other bidders for the product, will no doubt bring certain customer shunt effect. For the author, a "outdated" analysis of the product is not much value, really worth big...
