How Ant Financial (Alipay) Makes Money - Deepstash
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How Ant Financial (Alipay) Makes Money

How Ant Financial (Alipay) Makes Money

Alipay is the largest mobile payment platform in the world.

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Regulatory Landscape

Alipay is indispensable in China. However, recent suspension of its IPO and antitrust investigation into Alibaba brought new regulatory challenges for the company. 

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37 reads

Payment Business

Alipay earns around 0.1% per transaction which is less than what banks earn on debit-card swipes.

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40 reads

Asset Management and Insurance Business

  • Ant's third and fourth revenue stream is its asset management and insurance business.
  • Third Leg (Asset Management): Merchants or shoppers with cash in Alipay could get small return by parking it in a money market fund. Later Ant broadened its offerings turning it into China's most po...

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24 reads

Ant Took Over Consumer Loan Market

  • Alipay began consumer lending in 2014. Soon it captured 15% share of China's consumer lending market.
  • Initially, it made the loans and then packaged them as securities, sold to other financial institutions. Regulators imposed restriction on the securitization.
  • Later, Alipay c...

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30 reads

Beginning

  • The company started as a trusted payment option for shoppers and merchants of Alibaba. It worked as an escrow account, transferring money to sellers after buyers had received their products.
  • Later Alipay app was launched, introduced QR code for payments.

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45 reads

Other Businesses

  • Because of Alipay's sheer volume in payment business, it found advantage of key resource "DATA" to drive its other businesses.
  • Alipay app started as mere payment app but expanded its branches to different segments namely credit, asset...

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42 reads

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Alipay is indispensable in China. However, recent suspension of its IPO and antitrust investigation into Alibaba brought new regulatory challenges for the company. 

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