What is the development status of mobile payment?

Mobile payment is a service model. It also has a well-known name, that is, mobile payment, which is often used in our daily life. Because, usually, the mobile terminal used is a mobile phone. There are two payment methods: (1) near field; (2) remote. Near-field payment refers to settlement on the spot by mobile phone. If you use your mobile phone to swipe your card, you can take the bus. Compared with the near field, the far field appears later. It must be realized by instructions or tools. For example, online banking, telephone banking, mobile payment and postal remittance. No matter which of these two forms of payment is now more and more familiar to people and applied to our daily life.

Development Status of Mobile Payment

In recent years, mobile payment has achieved overall growth. It has an impact on economic growth and our daily life. Mainly manifested in diversification, rapid development, multi-field penetration and internationalization.

(1) diversified payment methods. The medium of mobile payment is constantly changing, as follows. In the first stage, the chip is embedded in the mobile phone. In the second stage, you need to use a SIM card. That is, the SIM card is linked to the personal bank card account. In the third stage, give up the physical card and generate it directly in the cloud. At the same time, payment methods are also diversified. For example, using QR codes, fingerprints, etc. Correspondingly, the mode change has also brought about other great changes. First of all, convenience, safety and worry-free are its obvious advantages. Secondly, the diversification of payment methods is more humane. Third, the processing of various economic big data is clear at a glance.

(2) rapid development. By the end of 20 15, the number of mobile payment users in China has been considerable. Its value is 364 million people. Compared with 20 14, * * * increased by 23.8%. By 20 18, relevant units and experts had made considerable predictions on the number of users. Its value is about 500 million. As can be seen from figure 1, the number of mobile payment users has increased steadily since 20 13, laying a good foundation for future growth. In addition, market transactions and networks are showing a trend of rapid growth. The total scale of mobile payment transactions in 20 13 years exceeds 130 10 (unit: 100 million yuan). Development is in full swing. Compared with 20 12, * * * increased by 80.3%. The third-party Internet payment market has also grown rapidly, exceeding 5,966.6 billion yuan. Compared with 20 12, * * * increased by 56.9%. Obviously, mobile payment has developed rapidly in China in recent years.

(3) Infiltrate many industries. Mobile payment exists in all basic aspects of daily life, such as food, clothing, housing and transportation. In terms of catering, there are already apps such as public comment and Meituan. According to Alipay's statistics. In 20 13, AliPay has been used by more than 300 catering businesses in Beijing. In terms of transportation, several commercial platforms have carried out the practice of scanning codes and paying directly by bus across the country.

(4) internationalization. The development of domestic mobile payment is also extremely hot abroad. For example, South Korea's T-money transportation card can be paid by Alipay. At present, more than 1500 merchants in South Korea can use Alipay for tax refund. In Sydney, Australia, Alipay will also set up a subsidiary, namely Alipay Australia Company. In this way, the growth of China, Australia and cross-border electronic commerce has been better supported. China Mobile Company also started to make efforts. It patrols targets all over the world, thus opening up its own mobile payment field.

Market prospect analysis of mobile payment industry

Of course, the promotion of universal mobile payment penetration rate is not only reflected in Alipay. With the entry of mobile phone manufacturers and traditional financial institutions, the frequency of mobile payment is also increasing. What changes have taken place in the mobile payment industry in the past 20 16?

3 million-the amount of cards tied in the first two days-Apple Pay is online.

2065438+In February 2006, Apple Pay finally landed in China market. Earlier, it was reported that on the day Apple Pay officially entered China, there were many "traffic jams" due to the madness of domestic users. On that day, more than 38 million UnionPay cards were bound to Apple Pay. However, according to the figures released by China Merchants Bank, the number of users of Apple Pay in China is not so exaggerated, but it is true that users have repeatedly exploded the Apple server during the card binding period. China Merchants Bank said that two days before Apple Pay went online, there were 3 million bank cards bound by Apple Pay, of which 6.5438+0 million were bound to China Merchants Bank, accounting for one third of the total.

0.6%- The charge for card swiping is comparable to that of a third party.

On March 18, the National Development and Reform Commission (NDRC) and the Central Bank jointly issued the Notice on Improving the Pricing Mechanism of Credit Card Fees, requiring the implementation of new rules on credit card fees from September 6. In addition to the separation of lending and borrowing, the abolition of industry differential rates, the market-adjusted price is implemented for the service fees of the acquiring link with full competition. After the adjustment, the service fees charged by most acquirers to merchants are greatly reduced, including 0.5% for debit cards and 0.6% for credit cards, which are in line with the service fees charged by third-party payment institutions such as Alipay and WeChat.

According to the calculation of the central bank, after the implementation, all kinds of merchants can reduce the expenses of credit card processing fees by about 7.4 billion yuan each year. Among them, the total service fee of the issuing bank and the online service fee for credit card and debit card transactions of merchants in catering and other industries can be reduced by 53%-63% respectively, which is the most obvious benefit. However, after the implementation of the new regulations, the previous capping concessions in real estate, automobile sales, bulk wholesale and other bulk consumption areas were cancelled. Although the new regulations have capped the service fees of debit card issuers and UnionPay clearing services, in fact, the acquiring service fees paid by merchants have not been capped. For example, if a user buys a car with a credit card of 65,438+10,000 yuan, according to the rate of 0.6%, there will be a handling fee in 600 yuan. Before the 96 fee reform, the credit card handling fee for real estate and automobile sales was capped in 80 yuan. Therefore, after the new regulations, many merchants will require customers who swipe their cards to bear the handling fees themselves.

20 million-the number of users of China UnionPay Express.

10 On June 8th, Hu Ying, Assistant President of China UnionPay, disclosed that the number of users of China UnionPay Express in Beijing exceeded 20 million. This is the first time that China UnionPay Express has released relevant data since it was launched at 65438 on February 2 last year. In less than a year, the rapid growth of China UnionPay Express cannot be separated from the promotion of all parties in the industry. Two major events have played an important role in promoting the development of China UnionPAY Express: 1, Apple pay entered China, driving Samsung Pay and other domestic Pay to follow up; 2. The full launch of the small-amount secret-free visa exemption will promote the scene-based process of China UnionPay Express. At present, more than 800,000 merchants have opened the UnionPay card small secret visa-free service. In addition to China UnionPay Express and UnionPay IC credit cards, UnionPay IC debit cards from 69 banks also enjoy this service.

40 million-cumulative purchase of NFC-SIM card of China Mobile.

In 20 16, NFC terminals and HCE mobile payment schemes have blossomed everywhere, which seems to make everyone forget that there are telecom operators in the domestic NFC payment industry chain, but the three major operators still have not given up the mobile payment market. At the GSMA World Mobile Congress in June, 20 16, Fan Jinqiao, general manager of China Mobile E-Commerce Co., Ltd., said that the cumulative purchase of NFC-SIM cards of China Mobile has exceeded 40 million, among which the number of users including NFC services has exceeded100000, and NFC services have covered 66 cities across the country. By June 5438+00, the data was refreshed again. The cumulative purchase of NFC-SIM cards exceeded 50 million, and the number of NFC users successfully exceeded12 million. NFC bus and subway services cover 25 provinces in China, including 88 cities.