The last two lanes of mobile payment

Apart from communication, photography, listening to music, surfing the internet, sending and receiving emails, what else can a mobile phone do? In some economically developed countries, mobile phone users have entered the era of mobile phone settlement. Small to parking fees, large to shopping malls, can be used http://www.aliyun.com/zixun/aggregation/12466.html "> Mobile payment method." In some countries, the mobile payment service not only has the function of payment, but also can be used as bank transfer.

The broad sense of mobile payment includes mobile wallet, mobile phone payment, WAP payment, mobile phone contact payment and so on, its basic principle is to put personal financial information into mobile phone or through mobile phone, settlement of commodity fees, meal fees, transportation and so on. The user sends his payment request to the third party payment platform, after the third party payment platform passes through the bank approval deposit, then feeds back to the merchant, the entire process realizes electronically. This means that by a mobile phone, can complete the clothing, food, housing, business and other daily life to face the various transactions. In China, as a new electronic payment means, mobile payment has already carried too many people's longing for information and digital life. With the increasing acceptance of network payments and the increase in the number of users and the popularization of 3G networks and applications, mobile payment is not far away from us.

China has 700 million of mobile phone users, this user base is domestic bank cards, credit cards and other means of payment can not be compared to, it may be said that these 700 million people will be mobile payment potential users. Such a large and attractive cake, there are absolutely no few. In the mobile payment industry, third-party payments, banks, mobile operators, mobile phone companies, websites and even POS merchants are strong contenders. Independent development or strategic alliances, the first test of water or steady follow-up, each home secretly in the dozen small 99.

But at present, there are still uncertain factors before the birth of mobile payment, among which, safety and popularity are the two biggest obstacles. In China, less than 15% of mobile phone users fully trust mobile payments, about 40% of consumers have a lack of trust in the security of mobile payments, while 65% of mobile phone users refused to send their credit card information through the mobile network. Security is the most concerned problem for users. The network bank has reached the safety standard theoretically. However, the "fear of 10,000 is afraid in case of", more users are still worried.

The unification of mobile payment technology and standard also restricts the development of mobile payment. No other institution has yet been able to provide a universal mobile payment technology. This leads directly to the lack of support from banks and service providers, making it rare to use mobile payments.

While mobile payments are a problem in the industry being explored, this does not negate the commercial prospects of mobile payments as a new form of payment. Strategy Analytics, a report released shortly ago, said the world's mobile phone payments for alternative cash or credit or debit-card payments will grow rapidly in the next few years, with 36 billion of dollars of deals expected to be paid in a mobile, contactless fashion by 2011. 2009 China Mobile phone payment market size will reach 1.974 billion yuan, from 2006 to 2009 annual compound growth rate of 70.4%; In addition, the size of mobile payment users in 2009 will also reach 82.5 million people.

The era of the third generation of payments has come and the footsteps of mobile payments are getting closer.