在线记账理财行业 随手记用户居行业第一

随着互联网应用开始深入到生活的方方面面,原本看似麻烦的“生活事”如今通过互联网的手段也开始简便起来,其中个人的“记账”无疑是最有代表性的一环。利用各式各样的记账类APP,如今只要动动手指,生活琐事即可“记录在册”。

在不少业内人士看来,在线记账理财不仅仅是一种刚需,更是一个巨大的市场。但无论从技术还是行业发展的阶段来看,还存在巨大的空间。据互联网数据研究机构易观近日发布的2018年第2季度记账理财行业报告数据显示,2018年2季度,在国内记账理财类应用月活跃用户已近3000万,但用户需求还远未能满足。

“头部玩家”优势逐渐确立

报告显示,在线记账理财行业中,随手记以1020.7万活跃用户居行业第一,51信用卡管家和卡牛信用管家分别以569万、567万活跃用户规模位列行业二、三位,卡牛信用管家本季度活跃用户规模增幅较大,与51信用卡管家的规模差距明显缩小。随后是挖财记账理财、微记账和网易有钱,而网易有钱的月活用户已经不足百万。

在线记账理财的用户主要集中在行业排行前五的“头部玩家”之中。使用时长方面,随手记以549.4万小时排名第一,51信用卡管家和卡牛信用管家分别以233.8和201.3万小时排名第二、三位。

易观方面表示,从平台角度看,作为记账理财类应用龙头,随手记在多个方面已经具有领先优势,也积极开展了与诸如京东、58同城、赶集网等平台的合作。据介绍,随手记与京东Alpha平台达成合作,在其叮咚智能音箱上线智能语音查账功能,通过语音唤醒进行智能查账,是记账领域的又一重要智能化功能。

但是在业内人士看来,虽然“头部玩家”众多,但是真正的巨头似乎还没入场。“作为和用户的‘钱’最经常打交道的微信和支付宝,在在线记账这一块还没开始发力。”据南方日报记者了解,在今年2月,腾讯理财通就对外发布了布《互联网理财指数报告》,据其公布的数据显示,互联网理财规模2017年增长超50%,可见腾讯已经在窥视这块巨大的市场。

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用户需求还有待满足

易观报告显示,目前各记账类应用正在加快布局金融科技和智能应用,技术发展有望将存量市场再次转变为增量市场,记账类机构在更系统化满足用户记账需求的同时,也在深度挖掘用户投资理财需求。

据易观方面提供的数据显示,记账行为与资金转移流程直接相关,所以记账类应用与支付类应用分时启动次数高度趋同,都在上午8点-12点、下午4点-8点启动次数最多,贴合用户消费场景的应用才能进一步拓展市场。

目前,虽然记账理财市场格局已经确立,但记账类用户有两大需要仍待满足,一类是账单自动导入,另一类是智能记账。事实上,几乎每个人都有账户资金管理需求,在用户授权的前提下,整合包括支付宝、银行等众多消费账单,再通过可视化视图输出个人的所有资金记录,能够有效降低记账门槛,扩大记账领域的用户规模。而智能记账能够满足记账深度用户的需求,用户的记账行为是有规律可循的,应用内启动时间和地点的结合能够判断用户将要记录某种账单的概率,进而自动推送账单记录类别,而每一个用户都有不同的消费习惯和消费场景,采用智能技术能够贴合用户的消费偏好推送千人千面的账单记录类别,提高记账效率。

易观在报告中表示,当下,互联网金融进入数字化时代,精细化运营显得极其重要,就记账领域来看,远没有达到千人千面的精细化运营。在用户运营端,可以先进行人群标签分类,究竟是学生、职员还是自由职业,近期处于购房、家装还是旅行阶段,日常消费是在周边商圈还是网络购物,特征属性是高消费还是日常生活消费,个人标签越多,用户画像越清晰,越能了解个人记账习惯和消费需求,进一步提供更多个性化服务。

在营销运营端,记账类用户群体核心用户是24-30岁年轻群体,具备一定消费能力,大部分记账机构只能通过这类模糊数据进行大规模广告投放,难以形成精细化营销,而且,记账类应用具有注册用户多,持续记账用户少的特点,沉默用户也是一个巨大的市场,用户唤醒的成本低于拉新成本。精细化运营是记账市场的发展方向,头部应用具有用户优势和数据优势,当产业整体数字化后,记账领域的活跃用户规模和变现能力会进一步提升。