The Analysis Of Strategy For Mobile Payment Under The 3G Enviroment

The acceleration of industry convergence and technical progress are the new characteristics of telecom industry. Under the influence of these two important characteristics, many kinds of mixed business are developed, mobile payment is one of them. Mobile payment is the electronic trading services launched by telecom operators and financial institutions to finance and consume through the mobile phone. With the development of internet and electronic commerce, the instrument of payment has become the bottleneck that restricts the economy progress. Mobile payment is a tool to solve the problem.Though having developed for many years and having a large potetial market, mobile payment industry is still in the preliminary stage and faces with a series of problems.This article analyzed the current situation of mobile payment at home and abroad, value network and business model of the industry using the method of combining theory with practice aimed at driving the development of the industry. This article summarized the business model that is suitable for the Chinese situation by studying the structure of the industry chain and put forward the suggestions for regulators, telecom operators and banks.