Mobile payments surged 27 times times last year

The third party pays the latest statistics of the world, said that the 2012 transaction size has exceeded 600 billion yuan, the company strive in the near future farewell "billions of times", the annual turnover exceeded the trillion-yuan scale.

In recent years, third party payment enterprises have speeded up the pace of "happy enclosure". Remit the world in 2012 in the consolidation of aviation, funds and other areas of payment business on the basis of rapid access to POS receipts industry, really deep into the hinterland of traditional financial services, and completed in all the provincial capital city layout.

According to the Research institute forecast, 2012 China Third party internet payment market transaction scale is about 3.9 trillion yuan, the growth is 79.4% than 2011; Under the line Receipts Market transaction Total scale is about 21.7 trillion yuan, the growth 42.9%, the prepaid card issue scale is expected to break through 2 trillion yuan mark.

Analysts believe that the rapid development of third-party payments stems from a variety of factors: first, the electronic commerce accelerates the development, the electric business platform large-scale promotion becomes the normal state, the second is the insurance, the fund, the Cross-border payment and so on subdivide the application market unceasingly to open up; third, the payment enterprise starts the multiple service arrangement , mobile phone card reader, two-dimensional code payment, etc. began to appear.

But the payment industry, which relies on market share to rise rapidly, is facing a development bottleneck. First, the central bank has been quick to issue payment licences over the past 1-2 years. Earlier this month, the central bank issued a total of 26 third party payment licences. Since May 2011, a total of 223 payment institution licences have been issued. For third-party payment enterprises, licences are no longer scarce resources.

Second, in addition to Alipay and other industry leading companies, the current third-party payment companies have not yet found a good profit model, and product homogeneity serious, price competition is fierce, the company's profit situation worrying. Even the industry analysts said that the future payment agencies in mergers and acquisitions inevitable, within 2-3 years payment industry will enter the shuffle period.

At the same time as the development bottleneck of third party payment, with the popularity of smartphone, mobile payment began to rise in recent two years. AI Media Consulting data show that 2011 China Mobile E-commerce Market volume of 15.67 billion yuan, an increase of 609%, the 2012 China Mobile E-commerce market is expected to reach 25.15 billion yuan, and to 2015 will be more than 100 billion yuan to 104.67 billion yuan.

From the point of view of group buying, the data from Alipay also shows that in the second half of 2012, transactions using mobile devices to buy live service goods entered the breakout period, with a growth rate of 4 times times the size of the first half of the year, with transactions accounting for 80%. As of December 31, 2012, life-service group deals from mobile phones surged 27 times times year-on-year, with mobile payments representing more than 15% per cent of total transactions.

"Three of companies such as internet companies, banks and operators will benefit from mobile payments, while mobile payment equipment manufacturers are benefiting most." "Aerospace Securities TMT industry researcher Kai said one is related to mobile phone smart card Manufacturing company, Rudong letter Peace (002017, shares bar), Heng Bao shares (002104, shares bar) and so on, the second is related to close payment POS terminal companies, such as electronic (002197, Stock bar), new countries ( 300130, shares bar) and so on; the third is related to mobile payment chip design and manufacturing companies, have national technology (300077, shares bar) and so on.

Of course, mobile payment is still facing some challenges, the current smartphone faced with malicious suction trap, mobile phone viruses, trojans, malicious ads and many other problems. In Android, for example, Lookout, a mobile security firm, predicts that 180 million Android smartphones will be infected with malware at the end of 2012-2013, and the security situation is grim.

At present our country has strengthened the information security legislation, the related company also ushered in the development opportunity. A-Share listed companies, Venus Chen (002439, shares bar) is the information security industry leader, the main intrusion detection and intrusion defense products. Guardian is also in the field of information security, and its password products occupy more than 20% of the market share of information encryption and identity authentication. In addition, the Blue Shield shares (300297, shares bar), Ninko (300311, shares bar) and other companies also have some information security aspects of the business. Reporter Li Yuxin