2012 is a crucial year for the development of mobile payment in China. On the one hand, the introduction of payment standards and other relevant policies have created a benign competitive environment for the industry and ensured the healthy development of the industry; on the other hand, all parties in the industry chain have increased their investment and launched innovative products to seize market opportunities. According to the statistics of iResearch iResearch, the scale of mobile payment business transactions in China's third-party payment industry reached 151.14 billion yuan in 2012, a year-on-year increase of 89.2%.
In the early stage of industry development, market growth exceeded expectations
Due to multiple factors such as industrial policy, payment technology commercialization, basic acceptance environment construction, user habit cultivation, and industry chain interest balance, the development of China's mobile payment industry is still in its infancy. In 2012, after the active layout of capital and industry chain parties in the field of mobile payment in recent years, and the rapid development of smart terminals, mobile Internet technology and applications, the annual transaction scale of China's mobile payment industry exceeded 100 billion yuan, reaching 151.14 billion yuan, year-on-year An increase of 89.2% is expected to double the transaction size in 2013.
According to the analysis of iResearch, the reasons for the rapid growth of China's mobile payment market are mainly due to the following aspects: First, the rapid popularization of mobile smart terminals, the number of mobile phones and smart phone users in China reached 1.104 billion and 324 million in 2012, respectively; Yes, the rapid development of mobile Internet, especially mobile e-commerce, has driven the rapid growth of mobile payment demand. In 2012, China Mobile's e-commerce transaction size reached 55.04 billion yuan, a year-on-year increase of 380.3%. Third, third-party payment licenses and mobile payment industry standards gradually With the introduction, the mobile payment ecosystem is gradually established, and the industry will usher in standardized development. Driven by strong policies and markets, all parties in the mobile payment industry have accelerated the pilot and market expansion of domestic mobile payment applications. Telecom operators, financial institutions, terminal equipment manufacturers, Internet giants, and third-party payment companies have all based on their own advantages. And demand to expand the business layout and launch diversified solutions.
Leading in remote payment, mobile Internet payment accounts for over 50%
From the perspective of the transaction scale structure of the mobile payment segment, in 2012, when the mobile Internet market broke out, mobile remote payment is rapidly entering the high-speed growth period, accounting for 97.4%. Among them, mobile Internet payment accounted for more than SMS payment, reaching 51.7%.
According to the analysis of iResearch, mobile payment combines mobile communication technology, Internet technology, e-commerce technology, financial industry related technology, etc., and has obvious cross-industry technical characteristics. At present, the development of the industry is in its infancy, and a stable market competition environment has not yet been formed. All parties in the industry chain have entered the market with their own advantageous resources, launched various solutions, and jointly built and improved the mobile payment ecosystem to increase the market scale. From various payment forms: SMS payment has developed early and the technology is mature. It is mostly used for enterprise-level applications such as collection, payment and fund collection, and the starting amount is earlier; mobile Internet payment is due to its mature technology form and smart terminal market. The further popularization and rapid switching of user behavior habits under the outbreak of mobile online shopping are quickly seen; and because of the complexity of the industrial chain involved in near-end payment, the industry standards, acceptance environment, application scenarios, application content and other basic conditions are not yet mature. It is still a while before the market heavy volume.
The overall prosperity of the industry chain needs to be clarified by industry applications and business models
IResearch believes that in the next few years, mobile payment will remain a hotspot in China's industry and will continue to receive attention from all parties. The comprehensive prosperity of the industry chain needs to be expanded and deepened by industry applications and the establishment of an open business model. On the one hand, the key factor for the popularization of mobile payment is its convenience. Only by developing targeted and suitable consumer demand mobile payment applications that can bring convenience to consumers can rapid penetration of users be realized; another In terms of aspects, the clarification of an open business model helps to form a stable cooperation model between all links of the industrial chain, build an open innovation ecosystem, promote the sustainable development of the industry, and achieve a win-win situation.
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