Mobile payment is still the mainstream trend of payment
If 2014 is the first year of mobile payments, then 2017 will be the most crucial year for mobile payments. Many applications today rely on mobile phones to clear payments and send peer-to-peer transactions through messaging applications. This trend will be deeper this year.
As mobile commerce grows, as an indispensable mobile payment, consumers will prefer to use cloud apps to pay directly from their mobile phones.
Mobile payment, also known as mobile payment, is an alternative form of cash payment that allows mobile users to use their mobile terminals to pay for goods and services they consume. Mobile payment is an inevitable trend in the development of payment methods.
According to relevant data, in the era of mobile Internet, China's mobile payment market has grown rapidly. In 2015, about 358 million people in China used mobile payments, a year-on-year increase of nearly 70%, and mobile payment transactions totaled 16.4 trillion yuan, twice as much as in 2014 and 12 times in 2013.
In the future, China's mobile payment market presents five major development trends:
First, the penetration rate of mobile payment in small towns and villages will increase rapidly
With the popularity and functional upgrade of smart terminals and the popularity of 4G networks, China's more than 730 million urban population and over 630 million rural people will make more use of the mobile Internet. At present, mainstream mobile payment institutions have listed channel sinking as one of the main future exhibition directions.
Second, offline mobile payment scenarios are gradually enriched
In the next few years, the payment platform led by Alipay TenPay and the smart POS system led by micro-brush will continue to seize the offline payment scenario, and more offline scenarios will accept the payment method of mobile wallet.
Third, mobile payment small amount of high frequency
In the Spring Festival of 2015, “grabbing red envelopes†not only landed on CCTV Spring Festival Evening, but also became an important part of the Spring Festival Evening audience interaction. “Grab the red envelope†has enabled many users to “first recognize†and “first test†mobile payments, and cultivated the habit of small-scale high-frequency payment.
Fourth, the platform is open to the trend
Due to the dual impact of the gradual unification of mobile payment industry standards and the satisfaction of the payment of ecological circles, mobile payment platforms and smart POS systems are beginning to be open to some third-party developers. Financial operators, banks and other financial institutions, third-party payment companies, and smart POS operators will work together with other members of the industry chain to create and maintain an open payment ecosystem.
V. Integrating international standards and unifying technical standards
In 2015, China UnionPay became the first time for the international chip card and payment technology standard organization EMVCo, and will actively participate in the joint development and implementation of the EMV standard, so that the technical specifications of domestic chip cards and mobile payment are in line with international standards.
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