Mobile payment market money too tempting, operator not?

The world's Internet conference allows many shops in the Wu Town Scenic area to add more Internet elements, for example, the "Support payment for Alipay wallet" in the doorway of the blue small sign, has become a new scene. Mobile payments are becoming a common activity in people's lives.

Mobile payment, multiparty in action

Mobile payments are not new, and have been placed in high hopes by mobile operators for many years. China Mobile, which was ambitious in mobile payments and invested in the Pudong Development Bank, has been slow to do so.

The advent of the Internet financial era, let mobile payment found the direction and power. In fact, the real move to pay into the public eye is the drop and the Quick Taxi war, and the battle behind the game is Tencent and Alibaba in the face of the desperate struggle for payment scenes.

Then Apple also entered the market, launching its NFC payment product, Apple Pay, for the rapid development of mobile payments. Not long ago, the media reported that Mr Ma and Cook interviewed, the core content is Alibaba and Apple in the mobile payment of potential cooperation, and Baidu acquisition of fast-money news estimates will become a reality.

After alliances, we found that UnionPay and Apple, Alipay and Apple may have to co-operate, Tencent and Alibaba has been in taxis, parking spaces, hospitals and other aspects of the construction of mobile payment scenarios, and the original mobile payment of the most heart of the communications operators are somewhat eclipsed.

Pay the market, money too tempting

According to Analysys data, the 3rd quarter of 2014, China's third party payment market mobile payment (does not include SMS payment) volume of transactions reached 2.0533 trillion, the chain growth rate of 25.6%, to get rid of the 2-quarter growth trough. Alipay Wallet, Lakara and Tenpay respectively 79.26%,7.49% and 7.37% ranked the top three in the market.

According to Alipay released data, at present, the number of active users Alipay wallet has more than 190 million, day-to-day daily mobile payment of more than 45 million pens. This year's double 11 day, Alipay Global mobile payment number reached 197 million pens. Online, Alipay Wallet has been in taxis, convenience stores, supermarkets, business circles, airports, hospitals, pharmacies, restaurants and other scenarios to achieve coverage.

operator, get up early and catch a late set

The more polished these figures are, the more the carrier's mobile-payments dream is fading, but it is thought that the telecoms operators represented by China Mobile will be a bit sloppy in the battle of mobile payments.

China's three telecoms operators, of course, are not idle on mobile payments. As early as 2003, China Mobile and China UnionPay launched a linkage Advantage Technology Co., Ltd., is still in the mobile payment market fourth place. By the end of September 2014, China Telecom's wing-paying subscribers have exceeded 100 million, and wing payments have also supported the use of Unicom and mobile users. China Unicom's Wal-payment also launched the Vodafone card in partnership with the Chinese bank this year.

With a bright future, the development opportunities for operators are still

Operators to do mobile payments still have a lot of advantages, a short period of time is difficult to be replicated by internet companies:

1, the number of operators of the user group is large, mobile payment based on good

China Mobile, for example, now has more than 800 million users, and 4G users are growing more rapidly, so the user base is clearly available.

Mobile interconnection industry is the closest to users or operators, as long as operators find the right way, will be in their best in the field of their own position.

2, the operator's personal business and business parallel, the payment scenario is more extensive

Communication operators not only provide communication services for individual users, but also provide group business for enterprises, institutions and government agencies, easy to build payment bridges during the construction of payment scenarios, and have more resources than internet companies that specialize in providing services to individual Internet users.

3, Wireless City and government affairs information construction will bring the opportunity for the operator

Today, operators are aware of their own short board, and internet companies in the general business of the competition, but in a more sensitive or special government information technology has advantages. If the operators can open the market in such aspects as the administrative undertakings which are closely related to the common people, the future will be able to drive the global mobile payment development.

4, operators in the mobile payment market for many years, accumulated valuable experience

Lesson wit, if so, operators have been able to grow a lot of wisdom. In the years of mobile payment business development, operators have successful experience, but also the lessons of failure, but must also cultivate a group of familiar with the business and proficient in the market talent team, as long as the company can encourage innovation, and actively support business development, I believe that will achieve good results.

5. The development of NFC payment is beneficial to operators

In mobile payment, operators have always placed great hopes on NFC, because this is the advantage of mobile operators, but limited to the speed of terminal equipment and users of the limits of the degree of recognition, NFC has always been tepid, and mobile Internet application payment in a specific scenario has been recognized by the people.

But the situation has changed. Operators and smart-end companies are increasingly supporting NFC to counter Internet companies with the advantage of mobile Internet applications, especially Apple, where NFC will usher in a fast-growing period of popularity and operators will be beneficiaries.