China mobile payment leading the global: Uncle sells baked sweet potato with QR payment-mobile payment, QR-IT information
"Uncle sells baked sweet potato with QR code collection, I want to keep up with domestic trends! "China's streets and popular mobile payment, make some time and studying in the United States, Chen Yu feel fresh. Her feelings, reflecting the heat differences in mobile payments in China and overseas. According to research firm iResearch estimates that in 2016, the scale of third-party mobile payment in China more than twice times, up to 38 trillion yuan (US $5.5 trillion). According to Forrester Research, US mobile payments growth for the year is 39%, at $112 billion.
The size of the market leading global
Nielsen data shows that worldwide, mobile digital payment accounted for almost half of non-cash payments, up to 43%. Country-based user survey, 86% of China consumers ' use and reliable mobile payments, the proportion is far ahead of other countries.
Late last year, released 2016, the China Association of payment and clearing of mobile payment user survey. Reports indicate that in 2016, 22.8% mobile payment users use every day, using user up to about 60% a week.
IResearch analyst Li Zhefeng analysis to reporters, China mobile payment before and after 2011, experience the process of gradually improving and expanding. First stage of online consumer-led second stage into financial services such as balance treasure third stage is becoming a trend from last year's line of consumer and payment. "China market services to the Internet and a large number of e-commerce Marketing, led to the development of mobile payment, promoting the diversification of its function. "Li Zhefeng said.
"The mobile phone as a medium to bring unprecedented convenience of payment, also gave birth to a wide range of space and the needs of the market. China is in product innovation in other countries before, of mobile payment in Chinese consumer promotion and acceptance are also relatively high. "Noble, Associate Professor School of international business and Economics and finance analysis to the reporter.
Micro-payments predominate
Mobile payments went into the streets of the small business, is the embodiment of its unique advantages at the micropayments.
2016 of mobile payment user survey showed that in 2016, 77.25% every time a user pays the amount below 100 Yuan, 18.8% every time a user pays the amount in 100-500, micro-payment accounted for absolute weight.
Corresponding to the characteristics of this micro-payment are paid daily and common people. In 2016, the users most commonly used barcode payment scenarios for supermarkets or convenience stores, accounted for 47.7%, followed by restaurants, accounted for 23%, vending machine and cinema respectively 17.1% and 16.9% per cent.
This feature of mobile payment, small business more convenient. According to iResearch, the third quarter of last year, about 60% mobile payment is based on person-to-person (P2P) transfer form, part of which is yet to open a commercial account of small and micro businesses.
"Mobile payments in the small and micro enterprise promotion very rapidly. Without red tape and barriers, and able to accelerate the flow of business, improve efficiency, are complementary to the traditional financial institutions provide payment services, has obvious characteristics of market segmentation. , "Noble said.
More balanced urban and rural development
Different and new things in the past in the city hotter, mobile payments is not an obvious difference between town and country.
Data show that in 2016, the county seat of mobile payment user, accounted for 19.6%; second, the provincial capital, accounted for 19% in rural areas, third, accounted for 17%, followed by cities, municipalities and towns.
In this regard, noble says, "relatively small rural financial services, and mobile payments make up for that gap very well. Unlike credit card required credit assessment threshold, open mobile payments to almost all. Mobile penetration is already high in rural areas, by using the mobile phone as media mobile payments are also popular. Can use Internet banking platform in the future, the development of more financial and wealth management products to meet farmer demand, which is the potential direction of solving problems of rural financial services. ”
Li Zhefeng said: "the rapid rise in China mobile payment transaction size, will continue in the future, the degree of industry norms will continue to strengthen. Addition of other subjects such as Bank, will enhance the perfection of the rules of the game and rich formats. ”
中国移动支付领跑全球：卖烤红薯大叔都用二维码收款 - 移动支付,二维码 - IT资讯
“卖烤红薯的大叔都用二维码收款，我要跟不上国内潮流了！”中国街头巷尾流行的移动支付，让久在美国留学的陈雨觉得好新鲜。她的感受，反映出移动支付在中国和海外的热度差异。据研究机构艾瑞咨询估计，2016年，中国第三方移动支付的规模扩大两倍多，达38万亿元人民币(合5.5万亿美元)。而福雷斯特研究公司的数据显示，全年美国移动支付规模增长为39%，为1120亿美元。
市场规模领先全球
尼尔森数据显示，在全球范围内，移动数字支付占据了非现金支付行为的几乎半壁江山，比例高达43%。而基于国别的用户调查数据显示，86%的中国消费者使用并信赖移动支付，这一比例遥遥领先其他国家。
去年底，中国支付清算协会发布《2016年移动支付用户调研报告》。报告显示，2016年，22.8%的用户每天使用移动支付，每周使用的用户则高达约60%。
艾瑞咨询分析师李哲峰向记者分析，中国移动支付从2011年前后发展起来，经历了逐步完善和拓展的过程。第一阶段由电商的线上消费带动；第二阶段则纳入余额宝等金融理财服务；第三阶段则是从去年起渐成趋势的线下消费和支付。“中国市场服务的互联网化和大量的电商营销等带动了移动支付的发展，也推动其承担功能不断多样化。”李哲峰说。
“手机作为支付媒介带来前所未有的巨大便利性，也催生了广泛的市场空间和需求。中国在相关产品的创新方面是走在其他国家之前的，因此移动支付在中国消费者中的推广和接受度也相对高。”对外经济贸易大学金融学院副教授高洁对本报记者分析。
小额支付占据主流
移动支付走进街头巷尾的小本买卖，正是其在小额支付上独特优势的体现。
《2016年移动支付用户调研报告》显示，2016年，有77.25%的用户每次支付金额在100元以下，18.8%的用户每次支付金额在100-500元，小额支付占到了绝对的权重。
与这种小额支付特点相对应的，是支付场景的日常性与平民化。2016年，用户最常用的条码支付场景为超市或便利店，占比为47.7%；其次是餐饮店，占比为23.0%；自动售卖机及电影院的占比分别为17.1%和16.9%。
移动支付的这一特征，也让小微企业备享便利。艾瑞咨询的数据显示，去年第三季度，中国移动支付金额中约有60%是以个人对个人(P2P)转账的形式，其中一部分则是尚未开立商业支付账户的小微企业。
“移动支付在小微企业中推广十分迅速。它无需繁琐的手续和门槛，又能加速业务的流转、提高支付的效率，是对传统金融机构提供的大额支付服务的补充，具有明显的市场细分特征。”高洁说。
城乡发展比较均衡
与以往新生事物在城市更热的局面不同，移动支付并未呈现明显的城乡差异。
数据显示，2016年，县城的移动支付用户最多，占比为19.6%；省会城市列第二，占比为19.0%；农村地区列第三位，占比为17.0%；其后依次是地级市、直辖市和乡镇地区。
对此，高洁认为，“原本适应农村的金融服务相对较少，而移动支付很好地弥补了这个空白。不像信用卡需要进行信用评估等门槛，移动支付几乎对所有人开放。农村的手机普及率已经很高，而以手机为媒介的移动支付也随之普及。未来可以借助互联网金融平台，开发更多满足农民需求的金融和理财产品，这也是解决农村金融服务问题的潜在方向。”
李哲峰说：“中国移动支付交易规模快速上涨，未来还会持续，其行业的规范程度也会不断加强。银行等其他主体的加入，将会促进游戏规则的进一步完善和业态的丰富。”