Promotion of mobile proximity payment service faces a triple challenge - mobile payment, mobile operators - Security Industry

Promotion of mobile proximity payment service faces a triple challenge - mobile payment

, mobile operators - Security Industry

Recently, the mobile payment of heavy news followed. Money in shares of China Mobile has just announced that Shanghai Pudong Development Bank, directed at mobile payment business; and China Union Pay claim to have been launched in six provinces and municipalities large-scale pilot mobile payment service, momentum, and as much as China Mobile, great under a higher mean .

Analysys analysis: Also known as mobile payment mobile payment (MobilePayment), in short, to allow mobile users to use their mobile devices (usually phones) on the consumption of goods or services means a service paid accounts. Including by radio frequency (RFID) short-range remote payment and mobile payment terminal are two ways in which mobile phone radio frequency (RFID) Proximity to pay due and public services, retail and other traditional industries comply with the direction of higher levels of a concern.

Analysys International (AnalysysInternational) analysis, short-distance pay phones are portable, simple, quick payment, and many other features, for the related industries will bring tremendous business value while significantly enhancing the user experience for the consumer on Accelerating public service industries, retail and process information is very important significance. But in our current economic and business Environment The overall level of the situation, short-range telecom operators to promote mobile payments industry also faces the triple challenge: First, from the host terminal

view, close-paid mobile phone SIM card replacement or operations on the terminal hardware and software have certain requirements, which require a certain costs, but has yet to have a clear case of profitability , telecom operators and terminal areas CUP Marketing Input is not strong. Business users to use mobile payment threshold is higher, subject to certain active suppression.

Second, support the use of mobile payment from the merchants point of view, to support short-range cell phone business to re-purchase to receive payment terminals, it has to consider the introduction of comprehensive mobile payment fee after the settlement of many problems with this comparison is , in addition to bring some efficiency to enhance, the experience of other markedly less than the value developed in the payment card and mobile phone users to pay the whole small short-range case, it brings even more weak.

Third from the users themselves, in addition to bear the cost of replacement chips, the use of mobile short-range there are two issues to pay, on the one hand is easy to lose the phone itself, will pay the money on the phone or the Bank Card Associated with Security Aspects of concern, on the other hand is the short-range mobile phones to pay more for telecom operators, business-led, not support "after the first purchase also" credit card form, on the courage to use new terms of business of the younger users, mobile phone short-range the use of paid services there are many restrictions will also affect the further development of its future.

Analysys recommendations: recommendations of the telecom operators

First commercial mobile phone users and reduce the payment industry, both ends of the short-range use of the threshold, lower SIM card and receive POS acquisition costs, increase use of initiative; Second, in the early stages of development to carry out cross-sectoral, inter-industry cooperation, in particular, to and universities, Traffic , Public service, traditional retail and other high traffic, industry, trade and more close cooperation and interaction and the banking system to establish supplementary mechanisms, integration of their respective advantages in resources to conduct complementary advantages, synergies will be short-range mobile phone with big business to pay, and then build interest into a suitable way to promote the industry's rapid, sustainable development.

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