Research Of Mobile Phone Bank Business Modle In 3G Age

In modern time,people living in the fast lane need share information more conveniently.More than seven hundred million cell phone users in China is a excellent proof,and which is also a power for mobile communication.Not too many people want to waste their time in the bank line up,they prefer a real-time highly effective and convenient to trade business finance and etc. As a kind of new service combined with monetary electronic and mobile communication, the mobile bank can be used at any time and any location to deal with financial business in an all-round way,which is greatly enriched the connotation of the bank service ,also satisfying the modern transaction needs of "never leave home,independent financial,and trading at any time".Bank can provide of tradition and innovation service in a relatively effective and safe way.But in a long run,for the limitation of communication technology and Mobile terminal handling ability and so on, quite a number of financial services are now in the imagine stage or laboratory,the scale of the realized industrialization development meets bottleneck.With the arrival of 3G age,3G business and smart phones got a lot of development,the financial business processing terminal and technology problem can be solved.The advantage of bandwidth higher,speed faster and varied application,3G accelerates the coming of mobile Internet age,which realize the transform from desktop to palmtop financial industry.3 G is a leading role in e-business booming development,at the same time,will bring a great economic,brand and social benefit in bank payment industrial chain.After ten years development,the mobile bank payment business has began to take shape in China,and mobile payment environment has been formed.Although a bright future,mobile payment business across the telecom and payment industry which lead a long industrial chain, any existence of flaw or fault between links will affect the business development.Like any supply chain,mobile payment value chain need to be researched to realize leaping sustainable development.Finding the key influence factors of the mobile payment business development, and understanding the relationship between mobile operators,bank and the third part service agencies in the industrial operation procedure and profitability.In these basis,exploring the reasonable and clear business model to realize the win-win among all links.In this paper,first introduces the development background of Chinese mobile phone bank payment industrial.Then expounds the trend, present situation and existing problems of the mobile phone Banks payment industry at home and abroad.We also expounds the definition ,classification and approach to technology of mobile phone bank,cell phone industry chain and mobile phone bank payment user's consumption behavior trend discussed.At last,references the foreign successful experience to construct the mobile payment business model catered to China's situation.We use business model construction system raised by Paul Timmers(1998) and SWOT analysis tool to discuss the main participants in the value chain.The empirical method and case analysis are used to the business model.Finally,this paper discusses the development of mobile phone bank payment business in the future.