Foreign Media: on the scale of mobile payment in China last year was 50 times of the United States-mobile payment, mobile payment-IT information
UK on February 14, the financial times published an article entitled ' than China, mobile payments market in the United States appear to be dwarf article. Articles reference has Eric Advisory and Forrester Research two home advisory company respectively for China and American two mobile paid market of research report data, said mobile paid 2016 of scale about for American earlier of 50 times times, and this a disparity compared also description, China of Internet company is to financial technology ecological system punches, and on "snake playing seven inch", not only occupy has this a subdivision market of global led status, also seems to found has Internet financial development of right channel.
Reports that China mobile payment to such vibrant, mainly because of online shopping and the explosive growth of the Internet financial services; and the prosperity of the industry not only made China's Internet giant to earn big bucks, but also enables them to acquire valuable user data.
Compared with developed countries, China's relatively low credit card penetration, and other cumbersome payment methods to make features highlights of the QR payment convenience, coupled with the giant platform boost mobile payments usher in a period of rapid development.
? The financial times Web site screenshot
Following is the FT's original text:
Market data show that in 2016, China Mobile's pay scale of about 50 times in the United States, suggesting that Chinese Internet companies, which are considered "leading to financial technology ecosystem way" market segment, occupying a strong dominant position.
The rise of the mobile payment market, is based on online shopping and Internet financial services (such as peer to peer loans and online money market fund) is based on the explosion. In China, more than half of all mutual funds are sold online, in 2012, the proportion is only 5%.
Entities last year retailers (including supermarkets, restaurants and shopping malls) turning point in the use of online payment. In January 2017, Starbucks announced its coffee shops began to accept micro payments. At the same time, and in 2016, the online to offline the strong growth of the mobile payment services on the Internet, for example to share travel and food Express application, users of the Internet platform and down payment, online access to goods and services.
"Digital payment platform is still a financial technology infrastructure a key component of and, in addition, it is also an important source of business and financial data, and paid the company to build a new financial technology platform, providing consumers with the products and services are widely used. "A headquarters in Shanghai, the financial technology consulting company called Kapronasia Chairman Zennon Kapron said.
According to iResearch estimates in 2016, the market for third-party mobile payment in China grew more than three times, to 38 trillion yuan (about 5.5 trillion u.s. dollars). The market currently is dominated by Alibaba Group's Ant-gold suit dominated and owned by Tencent tenpay (micro-payments).
▲ Chinese and American mobile payments market size comparison: about 50 times in the United States, China Times
According to the global consulting firm Forrester Research estimates that in 2016, the mobile payments market in the United States grew by 39%, to $112 billion. In the United States, mobile payments market is mainly vested in Apple, Google, Samsung, and PayPal Mobile Internet giant hands.
In the field of mobile payments in China is far ahead of the United States, one of the important reasons is consumers lack other options can make non-cash payments. Compared with developed countries, China's relatively low credit card penetration, and use a debit card to pay a relatively trouble-usually require SMS verification, USB dongle and random password generator combinations. By contrast, micro-payment PayPal or more simplified, only need to scan from the retailer's terminal or Smartphone QR code.
"China rapidly spread nearly end pay, to a large extent based on the late-developing advantage--with the United States and other countries and regions, China does not have strong credit culture. And because of this, China has directly from the cash phase jumps to the mobile phase, "market research firm eMarketer said in a research report.
In addition to other than direct income from fees, Alibaba and Tencent China mobile payment market will be available so that they can be used in everything from credit rating, targeted advertising to product development of all valuable user data.
However, China mobile payment with such eye-catching trade value, it reflected from the other side, payments do not necessarily need to be fully in line with the real socio-economic situation.
For example, during the recent lunar new year holiday, among friends and relatives tend to "lucky number" trading "red envelope", for example, 88 (in the good fortune in Chinese meaning), 520 (sounds like "I'm in love with you").
While the envelopes are actually cash gifts, but they are being used as a more social way, and you are likely to receive red envelopes sent to each other is the same with you.
In addition, according to iResearch survey, third quarter of 2016, about 60% mobile payment is a transfer between individual and personal, of course, there are some small business without setting up a business account.
"This Holiday Inn is just a beginning of the game, but a few users are used to cultivate the Chinese new year, at present, has become an everyday event send and receive mobile payments red packets", analyst at iResearch in Beijing Li Zhefeng (voice) says, "in the past, people used bank cards to transfer funds, now, these transactions have been unstoppable, turning to the mobile phone. ”
In addition to the size of the market outside China also beat the United States in growth of mobile payments.
Forrester predicted that by 2019, the total payment will be 2015 2.6 times in the United States; and according to iResearch, China, meanwhile, payments will increase 7.4 times.
In the United States, online retailers remain the biggest engine of growth for the United States market, rather than the pay in Europe, due to near-field communication technology (NFC) the popularity of this payment is clearly more popular than QR payment (on a chip reader, cleaning the phone).
According to Forrester, said, by the end of 2016, and more than half of us retailers surveyed said they have installed or will install the NFC Terminal.
However, change ingrained spending habits is a huge challenge. Forrester described the payments in the United States in his report: "old habits are hard to disappear at the checkout counter, people are more willing to take out a credit card to pay, rather than take out cell phones to scan a scan. ”
外媒：论移动支付规模，去年中国是美国50倍 - 移动支付,
手机支付 - IT资讯
英国《金融时报》于2月14日发表了一篇题为《相比于中国，美国的移动支付市场看上去像是侏儒》的文章。文章引用了艾瑞咨询和Forrester Research两家咨询公司分别针对中国和美国两国移动支付市场的研究报告数据，称中国移动支付2016年的规模大约为美国同期的50倍，而这一悬殊对比也说明，中国的互联网公司正在向金融科技生态系统发力，并就此“蛇打七寸”，不仅占据了这一细分市场的全球主导地位，还似乎找到了互联网金融发展的正确通道。
报道称，中国移动支付发展得如此蓬勃，主要是因为线上购物和互联网金融服务的爆炸式增长；而该行业的繁荣不仅使得中国的互联网巨头赚得盆满钵满，而且还使他们掌握了珍贵的用户数据。
与发达国家相比，中国的信用卡渗透率相对较低，而其他支付方式的繁琐使得二维码支付方便快捷的特点充分凸显，再加之巨头平台的推动作用，中国移动支付迎来了高速发展时期。
▲《金融时报》网站截图
以下为《金融时报》原文：
市场数据显示，2016年，中国移动支付的规模大约为美国的50倍，这表明，中国的互联网公司，在这一被视为“通往金融科技生态系统康庄大道”的细分市场中，占据了强势主导地位。
中国移动支付市场的兴起，是以线上购物和互联网金融服务（如点对点贷款和线上货币市场基金）的爆炸式增长为基础的。在中国，有超过一半的共有基金是在网上销售的，而在2012年，这一比例只有5%。
去年也是实体零售商（包括超市、餐馆和商场）使用线上支付的转折点。2017年1月，星巴克宣布，其旗下的咖啡店开始接受微信支付。于此同时，在2016年，线上对线下的互联网服务移动端支付也增长强劲，例如分享出行和食品快递类应用，用户在互联网平台上下单支付，在线下享受商品和服务。
“数字支付平台目前仍然是中国金融科技基础设施建设的一项关键内容，此外，它还是交易和金融数据的重要来源，并在支付公司搭建新的金融科技平台、为消费者提供产品服务时被广泛应用。”一家总部在上海、名为Kapronasia的金融科技咨询公司董事长Zennon Kapron如是说。
据艾瑞咨询估算，2016年，中国第三方移动支付的市场规模增长超过了三倍，至38万亿人民币（约合5.5万亿美元）。而该市场，目前主要被阿里巴巴集团旗下的蚂蚁金服和腾讯旗下的财付通所把持（微信支付）。
▲中国和美国移动支付市场规模对比：中国约为美国的50倍
据全球咨询公司Forrester Research估算，2016年，美国的移动支付市场规模增长了39%，至1120亿美元。在美国，移动支付市场主要掌握在苹果、谷歌、三星以及PayPal等移动互联网巨头手中。
中国在移动支付领域远远领先于美国，其中一个重要原因是消费者缺乏可以进行非现金支付的其他选项。与发达国家相比，中国的信用卡渗透率相对较低，而使用借记卡支付有相对比较麻烦——通常需要短信验证、USB软件保护器以及随机密码生成器的组合。相比之下，支付宝或微信支付更加简化，只需要扫描来自零售商的服务终端或智能手机的二维码即可。
“中国迅速推开近端支付，在很大程度上是基于它的后发优势——与美国等其他国家和地区不同，中国并没有牢固的信用卡文化。也正是因为这样，中国已经直接从现金支付阶段跳跃至移动支付阶段，”市场研究机构eMarketer在一份研究报告中说。
除了直接从手续费中获得收入以外，阿里巴巴和腾讯对中国移动支付市场的主导地位使他们能够获得可用于从信用评级、定向广告到产品开发的一切有价值的用户数据。
然而，中国移动支付拥有如此吸引眼球的交易价值，也从另一个侧面反映出，支付并不一定需要与真实的社会经济运行状况完全相符。
例如，在最近的春节假期，亲朋好友之间往往会以“吉祥的数字”交易“红包”，例如88（在中文中有发财的美好寓意），520（听起来像是“我爱你”）。
虽然这些红包都是确确实实的现金礼物，但它们更多地是被用作为一种社交方式，并且你很有可能收到和你发给对方金额相同的红包。
此外，据艾瑞咨询调查结果显示，2016年第三季度，约有60%的中国移动支付是个人与个人间的转账，当然，其中也不乏一些没有设立商业支付账户的小型企业。
“这最初只是个假日游戏，但经由几个春节的用户习惯培育，目前，收发移动支付红包已经成为了一种日常行为”，艾瑞咨询北京分析师李哲峰（音）说，“过去，人们使用银行卡进行资金转移，现在，这些交易已经势不可挡地转向了手机。”
除了市场规模以外，中国在移动支付的增长方面也击败了美国。
据Forrester预计，到2019年，美国的支付总额将是2015年的2.6倍；而据艾瑞咨询，同期，中国的支付额将增长7.4倍。
在美国，线下零售商依然是美国支付市场最大的增长动力，而不是移动支付；在欧洲，由于近场通信技术（NFC）的普及，这一支付方式明显比二维码支付更受欢迎（在芯片读取器上刷电话）。
据Forrester称，截止2016年底，有超过一半的受访美国零售商表示，他们已安装完成或即将安装NFC终端设备。
然而，改变消费者根深蒂固的消费习惯无疑是一个巨大挑战。Forrester在其报告中这样描述美国的支付情景：“陈旧的习惯很难就此消失，在结账柜台前，人们还是更愿意拿出信用卡支付，而不是拿出手机来扫一扫。”