The fiery degree of mobile payment is supported by authoritative data

Absrtact: The hot degree of mobile payment is supported by authoritative data. The overall performance of the second quarter 2013 payment system, released yesterday (August 13) by the central bank, showed rapid growth in the volume of electronic payments, with mobile payments continuing to grow at a high rate

The fiery degree of mobile payment is supported by authoritative data. The Central bank yesterday (August 13) released the "second quarter of 2013, the overall performance of the payment system" shows that "the rapid growth of electronic payment business, where the mobile payment business continues to maintain rapid growth." ”

The central bank released data showed that the second quarter, mobile payment 371 million, the amount of 2.07 trillion yuan, year-on-year growth of 274.7% and 363.92% respectively.

A regulatory system believes that anything that can bring convenience will be developed, "mobile payments will be more and more used." ”

Phone payments Negative Year-on-year

The central bank's data show that the second quarter, the national total electronic payment business 6.245 billion, the amount of 251.02 trillion yuan, year-on-year growth of 29.41% and 24.62% respectively. Among them, in addition to the above mobile payment, online payment of 5.787 billion, the amount of 247.86 trillion yuan, year-on-year growth of 24.87% and 24.1% respectively.

It is noteworthy that in the electronic payment channels, two quarterly telephone payment 86 million, the amount of 1.08 trillion yuan, the year-on-year reduction of 6.07% and 13.53% respectively.

As can be seen from the above data, despite the rapid growth of mobile payment, but its total electronic payments and non-cash payments are still small, the imagination of the future market space is huge. In two quarterly data, for example, the amount of mobile payments accounted for only 0.82% per cent of electronic payments and only 0.53% per cent of the total non-cash payments. Central bank data show that the two quarters of the country to deal with non-cash payment business 121.91 trillion, the amount of 388.52 trillion yuan.

With the development of mobile technology, the usage rate of mobile phone is more and more high, and the market space of future mobile payment is more and more optimistic.

According to the China Internet Network Information Center (CNNIC) recently released the 32nd China Internet Development Statistics report shows that as of the end of June 2013, mobile phone as the use of Internet terminals, 9% higher than desktop computers, to 78.5%. The size of mobile internet users jumped to 464 million, with mobile online payments reaching 79.11 million per cent, up 43% from last year.

The central bank's report also showed that at the end of the second quarter, credit card credit was 1.53 trillion yuan, an increase of 77.76%. The total amount of credit cards overdue was 19.621 billion yuan, up 15% from the end of last quarter, and the total amount of outstanding credit cards over the past six months accounted for 1.28% of the total credit, which rose by 0.02% at the end of last quarter.

The parties seize the market opportunities

As mobile subscribers have grown, banks have also begun to increase their spending on mobile payments, after most have been aggressively promoting their mobile banking.

In addition to banks, internet companies are also beginning to covet mobile payment of this cake, in the micro-letter 5.0 online, the micro-letter for its increased payment function. Tencent executive President Lau said, "Tenpay as Tencent's open platform for the transformation of the foundation, will become a partner efficient revenue channels, Tenpay can use micro-trust platform in mobile payment on the very strong ductility. Tenpay will provide developers with a good solution and more support in the area of mobile payment, and implement O2O closed loop for partners.

E-commerce Observer Ruzenwang previously told the Daily Economic news reporter that micro-credit payments would intervene in the offline payment system, which would impact the way traditional banks and UnionPay pay. The development of Internet finance will also promote the change of bank.

In the continuous development of technology, the bank also began to borrow the Internet public platform to expand his business. August 13, the Guangdong Bank announced its launch of the "micro-letter Business Hall" to support the bank card account inquiries, bank card billing inquiries and transaction details inquiries and other functions. Earlier, China Merchants Bank also launched a micro-letter payment, Ping ' an bank micro-letter business is also officially on the line.