A Study Of Mobile Payment In China

With the development of mobile communication technology and the popularity of mobile intelligent terminals,Mobile payment development ushered in a qualitative leap.As a country with the most populous and the largest number of intelligent mobile phone,China is also facing a new opportunity for development.But the mobile payment industry chain participants and complex interests,including banking,telecommunications operators,service providers,equipment providers,businesses and consumers.How to achieve the development of mobile payment,make the mobile payment of our country to keep up with the times is very important.In this paper,it makes a brief introduction of basic concepts and theories of mobile payment,and then analyzed for the current research situation of mobile payments domestic and foreign.Noted that the current research focuses on mobile payment technology research,industrial construction,commercial development and consumer psychology and behavior of these four aspects.Then use PEST analysis method to analyze the four elements of China's mobile payment market include political,economic,environmental and social.And it makes a brief introduction to the specific situation of China's mobile payment industry chain.In this paper's core part,it through case analysis of the situation of mobile payment in three different countries include Japan's NTTDoCoMo,Kenya 's SKT and Philippines's SmartMoney.And compared them with China,s mobile payments,especially compared with the vast rural areas.Finally,it analyzes the development and current situation of China's Alipay wallet and compared it with WeChat and PayPal payment.Analysis of its strengths and weaknesses.Through the comparison of Chinese mobile and foreign mobile payments,it points out that the problems faced by China's mobile payment still need to be improved.And gives some suggestions on the development of mobile payment in the future of China.