The Research On The Industry Chain Of Mobile Payment

With the rapid development of communication technology, people are changing their way of living. Being an advanced .tool of e-pay, mobile payment is growing incessantly. It has a bright prospect.Mobile payment is convenient and rapidly, and it will have a huge user base with the growth of mobile terminal penetration. But in China, the advanced application is still in primary phase, there are many problems to be figured out. So we must pay attention to the research on the industry chain of mobile payment and to find out the adaptive commercial mode of China in order to develop this industry successfully.There are several main partners in the industry chain of mobile payment: mobile operator, bank and third part service provider. To promote the mobile payment they should divide the work in reason, cooperate nearly and build logical system of value distribution.Firstly, the article defines the definition, introduces the background of mobile payment and classifies the services. Secondly, it analyzes the factors of the industry chain of mobile payment. Thirdly, it analyzes the design of the industry chain of mobile payment and points out the principle and the design mode of the industry chain. Fourthly, it summarizes several kinds of commercial modes and analyzes their characteristics. It points out the adaptive commercial mode in china: Mobile operators and banks cooperate together and the third part service provider takes part in actively. Finally, it gives some advices for the development of our industry of mobile payment and points out the issues that should be discussed in the future.Mobile operator, bank and third part service provider must cooperate, as the same time they compete, because none of them can control the channels and users absolutely. The article analyzes the relationships among the parts of industry chain. It points out that there will be double leaders of the industry chain of mobile payment: mobile operator and bank. Then it analyzes the function and status of the leaders with using intermediaries theory.In order to build logical commercial mode and value distribution mode, each part of the industry chain of mobile payment should cooperate. Although at present mobile payment is at start stage, but the author believe that this industry will grow healthily and fleetly in the efforts of all members.