Research On The Development Of China's Commercial Bank Mobile Payment

With the rapid development of the Internet and the unprecedented prosperity of the smart phone market and mobile communication technology,huge changes have taken place in the field of payment.Mobile payments have become an essential part of everyday life,and it has become a habit to spend a few seconds on a mobile phone to complete a shopping payment.As more and more users need to pay move from the PC to the mobile,traditional payments are threatened and banks are hit,posing a huge challenge to commercial banks.As an indispensable subject in the mobile payment industry chain,commercial banks should use their own resources to actively layout mobile payment business.This paper analyzes the real environment of China's commercial bank developing mobile payment business,makes clear the role and significance of development,surveys the experience of commercial bank mobile payment business through design questionnaire,discusses the problems and reasons of the development of commercial bank mobile payment business,and puts forward concrete development countermeasures to China's commercial bank mobile payment business.This paper aims to optimize the business transformation process of commercial banks from the aspects of the overall market environment of mobile payment,the experience of mobile payment users,the advantages and disadvantages of the internal conditions of commercial banks,and the opportunities and challenges of the external environment of commercial banks,so as to promote the development of mobile payment business in China.