Four bottlenecks in mobile internet payment

With the comprehensive development of Internet, smartphone and third party payment, the mobile payment industry shows a great vitality and becomes the http://www.aliyun.com/zixun/aggregation/17264.html of "> Sunrise Industries". Mobile payment industry has been set up by China Mobile, Chinese Telecom and Unicom, and the payment company has been established. Mobile payment has been an unprecedented development, the data show that 2008 Third-party payment of the market size of more than 270 billion yuan, 2010 amounted to 1 trillion yuan, 2011 years more than 2.1 trillion yuan. According to the public information, the central bank has issued four batch of payment licences, third party payment enterprises have reached more than 300.

At present, 95 third party payment enterprises, including NetEase, receive the payment license issued by the Central bank, and a total of 196 third party payment companies pick up the "pass". It is noteworthy that in nearly 200 companies, exclusively is targeting the Internet payment field.

In addition, according to the report, the first quarter of this year, the domestic mobile electricity market accounted for 42% of the mobile Internet, beyond the mobile value-added services to become the largest mobile internet segmentation industry. The year-on-year growth rate of mobile operators accelerated from 250% last year to more than 530%.

At present, the mobile phone network silver on the transfer, recharge and other procedures are unusually cumbersome, in addition to input 16-digit card number and password each time to enter the verification code and so on, the process of mixed numbers and English, the process is time-consuming and laborious, which for the mobile phone network silver payment caused a "bottleneck", so many people want to pay through the mobile phone to discourage.

In other words, the mobile payment industry threshold is high, and the same as banking, small and medium-sized enterprises unattainable. Therefore, in the poor social integrity, information security issues have not been resolved, if the payment process is complex, it is not easy to cultivate user habits.

The spring of the mobile internet is coming to us, and leading companies like Alipay are developing markets and user habits. But as far as the whole industry is concerned, mobile internet payment still faces some bottleneck, which needs the cooperation of commercial banks and payment enterprises to break through.

First, risk control remains a subject. Villains Outsmart. Whether the payment on the PC or the mobile terminal will always face the risk of network fraud and hacker attack, the third party payment enterprise needs to upgrade the risk Control tool continuously, improve the risk response speed and protect the customer's fund security.

Second, the ease of the challenge. Third party payment agencies must cooperate with commercial banks to reduce the operation steps of customer payment, reduce the operating threshold and improve service efficiency. Make it easy for people who don't know the technology to pay with their mobile phones.

Third, intelligent terminals need to be popularized. The popularization of intelligent terminals is still an important bottleneck that puzzles the rapid development of mobile payment. With the continuous introduction of Huawei, Millet and Aliyun, the foundation of mobile payment is gradually compacted.

Four, user habits need to be nurtured. The habit of mobile payment formation is also dependent on the popularity of mobile network shopping. At present, most online businesses and consumers are still accustomed to using cash payments, to change their use habits, third-party payment agencies and banking partners have a long way to go.