Mobile payment for the people, healthy development is the way

The popularity of the micro-letter red envelopes shows the charm of internet finance. The micro-letter was originally a social networking circle based on acquaintances, which brought together dispersed acquaintances to exchange feelings and convey information through a variety of groups. Micro-letter Low entry threshold, open platform, rich social relations, good user experience, low cost of use, etc., so that its rapid growth. Micro-credit red envelopes are paid through a micro-letter binding bank card, bypassing the cumbersome and complex security certifications of bank nets and cell phone banks, and successfully channelling a large number of social groups fixed users of micro-credit into mobile payments and internet finance, this low cost translates social relationships into "closed-loop" patterns of business relationships, making the future of micro-credit payments imaginative- -If you can successfully make a part of hundreds of millions of of mobile phone users into mobile payment loyal customers, the customer base is how huge!

Further, with the help of mobile payment system, micro-credit business applications to the game, E-commerce, shopping, tourism, catering and other areas of expansion, its huge business relationship group, will make mobile finance the future of the financial role.

But for now, the biggest problem with mobile payment is the lack of application "scenarios", that is, people do not know when and what kind of scene to use mobile payment, only to send and receive red envelopes, transfer is not enough, need to create more users to use the opportunity to create more value, which requires the mobile payment of its own business functions constantly improve, The product system is richer and the business model is closer to the long-term demand.

Second, the mobile payment related industries and functions are not perfect, offline business environment for mobile payment support has yet to be improved, which makes mobile payment convenience and availability of a discount.

In addition, with the development of mobile payment, we must overcome a series of difficult problems, such as security, anonymity, business compliance and so on, to lay a good technical foundation for the steady and healthy development of the mobile payment industry and perfect the industrial supporting and even the system environment.

However, even so, we can expect that, with the development of mobile internet technology and the improvement of relevant facilities, China Mobile payment market will be from the market preheating period to the beginning, and eventually to the healthy development of the track, rich financial markets, to provide more convenience for the people's lives.