CNNIC Tan Guang: Mobile payment high speed development of user habits needs to be cultivated

News and Technology January 29, 2012 mobile phone payment user size growth faster. As of December 2012, the mobile payment of the user size of 55.31 million people, compared to 2012, user size growth rate of up to 80.7%. Mobile phone payment with a fast, convenient use of experience, gradually infiltration into the user's life.

Mobile commerce and mobile payment promote each other. The traditional electric dealer has promoted the handset shopping business to the strategic height, the Taobao, Jingdong Mall, every guest, when and so on many electric quotient have already launched for the smartphone system client, facilitates the user handset "to go shopping", the second kills the commodity and so on, further promoted the fast development which the handset pays.

The establishment of the national standard of mobile payment provides a powerful impetus for the development of mobile payment. At present, the People's Bank of China, the Ministry of State, the relevant department of the National Standard Committee has organized the Chinese UnionPay and three communications operators decided to adopt the China UnionPay 13.56MHz Standard, and take Nfc-sim (USIM) card scheme, as the national standard of mobile phone payment method. Standard established for mobile payment for large-scale applications to break the barriers, mobile payments will enter the rapid development phase.

Although the standard of mobile payment has been established, the development of the whole mobile payment ecosystem needs to be cultivated gradually, among which it is the key to cultivate the user's usage of mobile payment. In order to promote the healthy development of the mobile payment ecosystem, we should start with the cultivation of users ' consumption habits and gradually improve the size of the mobile payment users.

First of all, from the user's point of view, change the user pay habits need to understand the user to use mobile phone payment business concerns, according to the Chinese Internet Survey Community Survey shows: online payment users, rather than using mobile phone online payment is the main reason is "feel insecure", accounting for 38.2%. Mobile payment security needs to integrate financial institutions, businesses and other institutions of security technology and service support, for mobile payment users to provide safe access to funds and trading platform, and gradually enhance the user's trust in the payment of mobile phones.

Second, to allow users to form payment habits to allow users to experience the benefits of mobile phone payments, according to surveys show that users choose to pay mainly because mobile phones can be portable and mobile phone payment convenience. At present, mobile phone payment has a certain complexity, slow speed, the user experience and ease of operation has certain constraints, not conducive to the formation of user mobile phone payment habits.

In short, users use mobile phone payment habits determine the maturity of the mobile phone payment market, which improve the security of mobile payment to promote the rapid development of mobile payment industry is of great significance. (Author Tan Guang, analyst of China Internet Information Center)