Research On Mobile Payment And Operator Development Strategy Based On Different Business Scenes

With the development of Internet technologies such as mobile payment technology and cloud computing,the development of telecommunications technologies such as 4G/5G and NB-IoT,as well as the supplement of technologies such as financial technology,artificial intelligence and biometric identification technology,together with the government's policy preference for emerging technologies and industries,financial payment,especially mobile payment has achieved great development,and becoming one of the most mainstream mobile payment methods.However,as the national team,the telecom operators have not improved its mobile payment service after obtaining the third-party payment license.On the contrary,they have been thrown away by internet payment platforms such as Alipay.Therefore,based on different business scenarios and the upcoming industrial Internet,research on the business model of mobile payment in different business scenarios and the development issues of telecom operators' mobile payment,and propose corresponding development strategies for operators' mobile payment.That has extremely important practical significance.Academic research on mobile payments has experienced several enthusiasms.From the study of electronic payment,to the study of mobile payment business model and telecom operators' mobile payment development strategy,etc.;In recent years,research on the application scenarios and models of mobile payment in the fields of medical,education and other internet industries,which provides the direction and literature basis for this paper research.Based on previous research,this paper based on a large number of literature studies and corporate interviews,and the business model theory,together with the case study and comparative analysis method,connects the theory with the reality,to research the mobile payment business model by model construction classification method.Firstly,it analyzes the development status and trend of mobile payment.Secondly,it analyzes the typical case,analyzes the status quo,operation and profit model of the case,and finally draws the key factors for their success.Thirdly,based on the six-factor research model,four mobile payment business models are studied in different business scenarios.At the same time,the credibility of four mobile payment transaction structure models is demonstrated.Finally,it is proposed that telecom operators should choose the transaction structure model based on mobile payment solution in the context of industrial internet;and propose three types:operator mobile payment business model selection strategy,target market differentiation strategy and operation and profit mode selection strategy.The development strategy has formed the conclusions of this paper.