The development of payment terminals has received much attention. On April 26th, the Blue Book of Payment and Clearing: The China Payment and Liquidation Development Report (2014) (hereinafter referred to as the “Reportâ€) was held in Beijing by the Institute of Finance of the Chinese Academy of Social Sciences and the Social Science Literature Publishing House. The Blue Book pointed out that in the future, the payment field will surely present a pattern of “no terminal payment, strong terminal paymentâ€. The mobile phone will be the most important way in the payment terminal system, followed by the computer, while the TV and telephone will only play a complementary role.
With the increasing diversification of payment terminals, mobile payment terminal applications have gradually entered the field of vision. However, due to the numerous links in the industrial chain involved, there is no clear pattern of industry development, which makes the existing business expansion and competition relatively still in the initial stage. How to develop the best choice in the field of payment terminals and accelerate the popularization of payment is the focus of this paper.
Payment terminal development is increasingly diversified
With the rapid development of the mobile Internet, people began to gradually shift from traditional online payment to offline mobile terminal. As mentioned in the "Report": in the long run, the future payment terminal system will be a dual era dominated by mobile phones and computers. TV and telephone will only play a complementary role. Traditional terminals such as ATMs and POS machines may Will be gradually marginalized in the field of payment, and even eliminated.
The root of the payment terminal from the initial pos machine, card reader to the current mobile phone card reader, NFC payment device and other mobile payment terminals is that the payment terminal gradually adapts to its development law. The most intuitive of these is the growing demand for mobile Internet users. According to the "33rd Statistical Report on Internet Development in China" released by China Internet Network Information Center (CNNIC), as of December 2013, the number of Chinese netizens reached 618 million, of which the number of mobile Internet users reached 500 million. increase. In addition, in the “2014 China Mobile Internet User Behavior Insight Reportâ€, the average daily media contact time of Chinese mobile Internet users was 5.8 hours, and more than 90% of mobile Internet users expressed their willingness to make mobile payment.
This kind of picture stayed two years ago should be unimaginable for many people. Now, with the development of mobile Internet, payment methods are becoming more diversified. Various new mobile payment methods, such as Alipay Wallet and WeChat Payment, are rapidly bringing people a differentiated user experience. The use of mobile payment driven by mobile terminal is slowly invading the entire Internet financial system. Recently, the People's Bank of China issued the “Overall Situation of the Payment System Operation in 2013â€. The data shows that in 2013, the mobile payment business maintained a high growth, and the number of payments and the amount of payments increased by 212.86% and 317.56% respectively.
Third-party payment industry insiders believe that the current third-party payment companies, including Alipay, Tenpay, and fast money companies, are accelerating the sneak peek at the domestic mobile payment market. The popularity of mobile devices is constantly driving user behavior changes, moving Payment has been accepted and increased by more and more users.
The development prospects of payment terminals are expected
Today, with the rapid development of the Internet, mobile payments present people with too many surprises. Efficient, convenient and so on are becoming their endorsements. It is also in this context that the development of payment terminals has developed rapidly. The most prominent of these is the mobile terminal. According to statistics: In 2011, the scale of China's mobile e-commerce market transaction was 15.67 billion yuan, a year-on-year increase of 609%. It is estimated that the scale of China's mobile e-commerce market will reach 25.15 billion yuan in 2012 and will reach 104.67 billion yuan by 2015. From these gorgeous figures, we can see how broad the prospects of the domestic mobile payment market are.
In fact, in the "Twelfth Five-Year Plan", it also provides new opportunities for the development of China's electronic payment system. During this period, we will adhere to the principle of combining market leadership with government promotion, adhere to the principle of encouraging innovation and preventing risks, continuously improve electronic payment business rules, technical standards and risk control measures, safeguard capital security, prevent payment risks, optimize policies and The credit environment promotes the healthy development of emerging electronic payment services such as mobile payment. The Payment and Clearing Association will fully play its role in promoting the self-discipline management of the payment service industry, maintaining the competitive order in the electronic payment market, and promoting the healthy development of the payment service industry.
Obviously, for banks, Internet companies and domestic operators, the development of payment terminals has driven the mobile payment business to further deepen, and the wide range of services has enabled it to effectively enhance user stickiness. On the other hand, we also see that the development of payment terminals is evolving with the increasingly satisfying material needs, and payment terminals play an important role in the increasingly diverse waves.
Industry chain coordination problem to be solved
In the field of payment terminals, mobile payment terminals, as the main entrance of personal online banking, will accelerate the development of personal online banking and mobile banking in China. However, in the "Report", the Chinese Academy of Social Sciences also pointed out the dilemma it is currently facing. "Because there are many links in the industry chain, such as banks, payment companies, software vendors, mobile phone manufacturers, operators, etc., there has not been a sustainable, win-win industry development pattern, business models and positioning are still not clear, resulting in The lack of clear rights and responsibilities between industry entities also makes existing business development and competition often stay at a low level, which is the core challenge in the development of mobile payment."
Take the domestic development of hot NFC as an example. Although the future prospects of NFC are predicted to be very good, the reality is that there are still few NFC applications in China. Some insiders said that they can be described as bleak. NFC can be divided into three stages of development, sample, product and commodity stage. Now the domestic NFC development is still the sample stage, and the general public rarely uses NFC payment. The reason is that the facilities and environment for NFC payments are not yet complete. NFC payment has a cumbersome industrial chain. Starting from mobile phone OEMs, NFC chip suppliers, COS suppliers, and ESE vendors all need to participate in the design of mobile phones. After the mobile phone OEMs coordinate various suppliers, there are problems such as the test yield of mobile phone production.
In summary, for the current terminal payment, it is still too early to talk about whether it is a feast or a phantom in the water. The most important thing is how to effectively coordinate all links in the industry chain, accelerate the popularity of users, and let the user experience really fall. Real place.
With the increasing diversification of payment terminals, mobile payment terminal applications have gradually entered the field of vision. However, due to the numerous links in the industrial chain involved, there is no clear pattern of industry development, which makes the existing business expansion and competition relatively still in the initial stage. How to develop the best choice in the field of payment terminals and accelerate the popularization of payment is the focus of this paper.
Payment terminal development is increasingly diversified
With the rapid development of the mobile Internet, people began to gradually shift from traditional online payment to offline mobile terminal. As mentioned in the "Report": in the long run, the future payment terminal system will be a dual era dominated by mobile phones and computers. TV and telephone will only play a complementary role. Traditional terminals such as ATMs and POS machines may Will be gradually marginalized in the field of payment, and even eliminated.
The root of the payment terminal from the initial pos machine, card reader to the current mobile phone card reader, NFC payment device and other mobile payment terminals is that the payment terminal gradually adapts to its development law. The most intuitive of these is the growing demand for mobile Internet users. According to the "33rd Statistical Report on Internet Development in China" released by China Internet Network Information Center (CNNIC), as of December 2013, the number of Chinese netizens reached 618 million, of which the number of mobile Internet users reached 500 million. increase. In addition, in the “2014 China Mobile Internet User Behavior Insight Reportâ€, the average daily media contact time of Chinese mobile Internet users was 5.8 hours, and more than 90% of mobile Internet users expressed their willingness to make mobile payment.
This kind of picture stayed two years ago should be unimaginable for many people. Now, with the development of mobile Internet, payment methods are becoming more diversified. Various new mobile payment methods, such as Alipay Wallet and WeChat Payment, are rapidly bringing people a differentiated user experience. The use of mobile payment driven by mobile terminal is slowly invading the entire Internet financial system. Recently, the People's Bank of China issued the “Overall Situation of the Payment System Operation in 2013â€. The data shows that in 2013, the mobile payment business maintained a high growth, and the number of payments and the amount of payments increased by 212.86% and 317.56% respectively.
Third-party payment industry insiders believe that the current third-party payment companies, including Alipay, Tenpay, and fast money companies, are accelerating the sneak peek at the domestic mobile payment market. The popularity of mobile devices is constantly driving user behavior changes, moving Payment has been accepted and increased by more and more users.
The development prospects of payment terminals are expected
Today, with the rapid development of the Internet, mobile payments present people with too many surprises. Efficient, convenient and so on are becoming their endorsements. It is also in this context that the development of payment terminals has developed rapidly. The most prominent of these is the mobile terminal. According to statistics: In 2011, the scale of China's mobile e-commerce market transaction was 15.67 billion yuan, a year-on-year increase of 609%. It is estimated that the scale of China's mobile e-commerce market will reach 25.15 billion yuan in 2012 and will reach 104.67 billion yuan by 2015. From these gorgeous figures, we can see how broad the prospects of the domestic mobile payment market are.
In fact, in the "Twelfth Five-Year Plan", it also provides new opportunities for the development of China's electronic payment system. During this period, we will adhere to the principle of combining market leadership with government promotion, adhere to the principle of encouraging innovation and preventing risks, continuously improve electronic payment business rules, technical standards and risk control measures, safeguard capital security, prevent payment risks, optimize policies and The credit environment promotes the healthy development of emerging electronic payment services such as mobile payment. The Payment and Clearing Association will fully play its role in promoting the self-discipline management of the payment service industry, maintaining the competitive order in the electronic payment market, and promoting the healthy development of the payment service industry.
Obviously, for banks, Internet companies and domestic operators, the development of payment terminals has driven the mobile payment business to further deepen, and the wide range of services has enabled it to effectively enhance user stickiness. On the other hand, we also see that the development of payment terminals is evolving with the increasingly satisfying material needs, and payment terminals play an important role in the increasingly diverse waves.
Industry chain coordination problem to be solved
In the field of payment terminals, mobile payment terminals, as the main entrance of personal online banking, will accelerate the development of personal online banking and mobile banking in China. However, in the "Report", the Chinese Academy of Social Sciences also pointed out the dilemma it is currently facing. "Because there are many links in the industry chain, such as banks, payment companies, software vendors, mobile phone manufacturers, operators, etc., there has not been a sustainable, win-win industry development pattern, business models and positioning are still not clear, resulting in The lack of clear rights and responsibilities between industry entities also makes existing business development and competition often stay at a low level, which is the core challenge in the development of mobile payment."
Take the domestic development of hot NFC as an example. Although the future prospects of NFC are predicted to be very good, the reality is that there are still few NFC applications in China. Some insiders said that they can be described as bleak. NFC can be divided into three stages of development, sample, product and commodity stage. Now the domestic NFC development is still the sample stage, and the general public rarely uses NFC payment. The reason is that the facilities and environment for NFC payments are not yet complete. NFC payment has a cumbersome industrial chain. Starting from mobile phone OEMs, NFC chip suppliers, COS suppliers, and ESE vendors all need to participate in the design of mobile phones. After the mobile phone OEMs coordinate various suppliers, there are problems such as the test yield of mobile phone production.
In summary, for the current terminal payment, it is still too early to talk about whether it is a feast or a phantom in the water. The most important thing is how to effectively coordinate all links in the industry chain, accelerate the popularity of users, and let the user experience really fall. Real place.
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