20 times in 4 years: 2016 digital payments market size nearly $3 trillion in China-digital, app, PayPal-IT information
Its United Nations agencies "Better Than Cash Alliance" (better than cash Union) said in a report a few days ago, PayPal and micro-payments, driven by 2016 China social network payment (PayPal and micro-letters) market reached $2.9 trillion, increased by 20 times in the past 4 years.
China mobile payment of annual turnover
The report, titled China's social networking, e-commerce platform and the development of payment systems--and its impact on other countries. Report, digital payment based on existing platforms and networks, not only let people have access to a wide range of digital financial services, has expanded in China and surrounding countries the financial benefits and economic development opportunities.
This report contains a lot of important experience and lessons learned, can help others better from cash to the digital transition. According to a report published by McKinsey, and by 2025, changes in payment methods will lead to 6% GDP growth in developing countries, an increase of 3.7 trillion US dollars and 95 million jobs.
The percentage of payment amount
Better Than Cash Alliance President Ruth-Greenland (Ruth Goodwin-Groen) said in a report: "social networking and e-commerce is developing rapidly in national economies. In China, it is these channels (social networks and e-commerce) to promote the rapid development of digital, and attract millions of consumers in the economy. This is significant, because people-especially women--through mobile payments when using financial services, you can better save, build assets, cope with the financial impact, so as to have a better chance of improving the quality of life. ”
Ant-gold suit CEO Jing Xiandong (Eric Jing) said in a report: "so that more consumers to enjoy the financial service is the core mission of Ant-gold suit. To allow more consumer savings, investment and access to capital, we also feel very proud. This is a silent revolution in progress, and our services are huge consequences for hundreds of millions of consumers. But, as the report says, the revolution has just begun, and we have more potential to attract more consumers around the world in the financial system. ”
The other core elements of the report include:
1) savings and investment opportunities for more people.
Platforms like treasure Alibaba balance, financial products can easily purchase various low-income groups, thereby encouraging consumers to balance invested in the account, in order to promote long-term savings. From 2013 to 2016, balances the treasure business from strength to strength, now manages $117 billion of funds, providing services to over 152 million customers.
2) digital finance to a large extent, help small businesses easier access to financial support.
As of September 2016, Alibaba Ant gold service has more than 4.11 million small business and entrepreneurs granted 740 billion yuan (about US $107.3 billion) in loans.
3) data generated through these platforms would help to build a credit score history, so that consumers, especially those who lack of access to financial services for low-income groups, and better access to credit facilities. For example, credit Sesame review a user's credit history, financial behavior, the ability to perform the contract, identity and social networks, providing other means of credit evaluation.
In addition, this report also pointed out that Alipay and the app has been out of the country, of some large international financial technology and investing in paid providers. They are combined with other major communication platforms, leveraging existing social networks and e-commerce platform to promote digital pay and inclusive financial development.
1) in South Africa, the 78% of all Internet traffic comes from mobile, is move traffic one of the highest ratios in the world. However, despite its rapid growth in mobile Internet penetration, 2016 only 15% of South African consumers within one month prior to the survey have used cell phone shopping.
2) in India, benefited from new regulatory policies, mobile payments is growing rapidly. Ant-gold suits and Tencent are entering the market to buy. Among them, the Ant gold suit to PayTM and Alibaba has invested more than US $900 million, and technology sharing. Today, PayTM from 5 million over the past few years the number of users jumped to 200 million.
3) in 2016, Indonesia is the world's fastest development of mobile e-commerce market. From January 2016 to January 2017, the market grew by 155%. This, to a certain extent benefited from the 2015 issued by BBM Pay instant mobile payment (IMP), the popular chat software in Indonesia with more than 55 million users, and still continues to grow.
4) in South America, the market already has built with China similar to the basic conditions necessary for payment systems. This includes 59% South American consumers use social media, 52% using social media by mobile phone. Even so, South American digital pay service is not perfect, there are no vendors own service connected with these social platforms, and vice versa.
4年增长20倍：2016中国数字支付市场规模近3万亿美元 - 数字支付,
微信,支付宝 - IT资讯
联合国旗下机构“Better Than Cash Alliance”（优于现金联盟）日前发布报告称，在支付宝和微信支付的推动下，2016年中国社交网络支付（支付宝和微信）市场规模达到了2.9万亿美元，在过去4年中增长了20倍。
中国移动支付的年交易额
这份报告名为《中国社交网络、电子商务平台和数字支付生态系统的发展——及其对其他国家的影响》。报告指出，基于现有平台和网络的数字支付方式，不仅让人们享受到了更广泛的数字金融服务，也扩大了中国和周边国家的金融普惠和经济发展机会。
这份报告包含了许多重要的经验和教训，能帮助其他国家更好地从现金支付向数字支付过渡。麦肯锡之前公布的一份报告显示，到2025年，支付方式的转变将促使发展中国家的GDP增长6%，增加3.7万亿美元和9500万个就业机会。
各种支付方式按金额所占比例
Better Than Cash Alliance总裁鲁斯-格陵兰（Ruth Goodwin-Groen）在报告中称：“社交网络和电子商务正在各国经济体中迅速发展。在中国，正是这些渠道（社交网络和电子商务）推动了数字支付的蓬勃发展，并把数百万消费者吸引到经济体中。这一点意义重大，因为人们——尤其是女性消费者——通过移动支付使用金融服务时，可以更好地储蓄、积累资产、应对金融冲击，从而拥有更好的机会来改善生活质量。”
蚂蚁金服CEO井贤栋（Eric Jing）在报告中称：“让更多的消费者享受到金融服务一直是蚂蚁金服的核心使命。能让更多的消费者储蓄、投资并获得资本，我们也感到很自豪。这是一场正在进行中的悄无声息的革命，而我们的服务正给上亿消费者带来巨大的影响。但正如这份报告所言，这场革命才刚刚开始，我们还有更大的潜力将全世界更多的消费者吸引到金融系统中。”
这份报告的其他核心内容还包括：
1）更多的人拥有储蓄和投资的机会。
像阿里巴巴余额宝这样的平台，能让低收入群体轻松地购买各种金融产品，从而促使消费者将账户中的余额用来投资，以推动长期储蓄。从2013年到2016年，余额宝业务不断壮大，现已管理着1170亿美元的资金，为超过1.52亿客户提供服务。
2）数字金融在很大程度上帮助小企业轻松地获得资金支持。
截至2016年9月，阿里巴巴旗下蚂蚁金服已向超过411万家小微企业和创业者发放了7400亿元人民币（约合1073亿美元）的贷款。
3）通过这些平台所生成的大数据，有助于建立信用评分历史记录，使消费者，尤其是那些之前无法享受金融服务的低收入群体，更方便地获得信贷服务。例如，芝麻信用通过审查用户的信用记录、财务行为、履行合同的能力、身份及其社交网络，提供了另一种资信评估方式。
此外，这份报告还指出，支付宝和微信都已走出国门，对国际上一些大型金融科技和支付提供商进行了投资。他们联合其它一些主要通信平台，利用现有社交网络和电子商务平台来推动数字支付和普惠金融的发展。
1）在南非，78%的互联网流量源自移动端，是全球移动流量比率最高的地区之一。但是，虽然其移动端上网普及率增长迅速，2016年只有15%的南非消费者在调查之前的一个月内曾使用过手机购物。
2）在印度，受益于新的监管政策，移动支付正迅猛增长。而蚂蚁金服和腾讯均以收购方式进入了该市场。其中，蚂蚁金服和阿里巴巴已向PayTM投资逾9亿美元，并对其进行技术共享。如今，PayTM用户数量已从过去几年的500万骤增至2亿。
3）2016年，印度尼西亚是全球移动电商发展速度最快的市场。从2016年1月至2017年1月，该市场规模增长了155%。这在一定程度上得益于2015年BBM Pay发布的即时移动支付（IMP）应用，这款流行的聊天软件在印尼拥有超过5500万用户，且仍在继续壮大。
4）在南美，市场上已经拥有构建与中国类似支付生态系统所必需的基础条件。这其中包括，59%的南美消费者使用社交媒体，52%通过手机使用社交媒体。虽然如此，南美的数字支付服务还是不够完善，没有任何支付供应商将自己的服务与这些社交平台相连接，反之亦然。