Research On The Competitive Cooperation Game Of Mobile Payment Industry Under Limited Strategy

In today's Internet environment,people are increasingly inseparable from smart phones.People use smart phones to shop,and at the same time they will use mobile phones,another function of smart phones.The mobile payment industry is not only an industry related to people's livelihood but also an infrastructure of the national economy.Its role in financial development is increasingly important,and its status is increasingly unable to be shaken and its contribution to the society continues to increase.In the past five years,China's mobile payment industry has experienced a period of rapid development and innovation.It has taken a leading position globally in the convenience,penetration,and innovation of mobile payments,and has had a global impact.In this paper,combining the actual situation of China's mobile payment industry,four major key players in the mobile payment industry are sorted out: communication operators,financial institutions,commercial banks,and third-party payment platforms with great potential to study Strategy game evolution process.Three different evolutionary game models were used to study the selection of competitive cooperation strategies among different key players in the mobile payment industry and their impact on the development of the entire mobile payment industry.Under the bounded rationality and strategy,Chapters 3,4 and 5 of this paper use the theory of a replicating dynamic equation in evolutionary game theory to establish a dynamic replication system for two-party,three-party,and four-party evolutionary games respectively.Through the study of the evolutionary game equilibrium of different dynamic replication systems established,the stability of different equilibrium points was analyzed and relevant conclusions were drawn.The phase diagrams and time histories of the two systems under different initial values were obtained by MATLAB numerical simulation.The graph also validates the results obtained at different initial values.In the third chapter,we first study the evolutionary game model system between financial institutions and commercial banks,and use the stability theorem of differential equations to analyze the stability of several equilibrium points of the game's replication system and obtain a long-term evolution.Financial institutions and commercial banks in the game process of the two parties in the strategic choice;in the fourth chapter,then studied the three-party communication operators,third-party payment platforms and commercial banks in the mobile payment industry in the evolution of the strategy of choice,through Classify and discuss two situations to study and analyze.When the third-party payment platform chooses a “cooperation” strategy or a“competition”(“non-cooperation”)strategy,it studies and analyzes the stability of the balance points of the other two evolutionary game replication systems.The three-party game strategy selection under the two different strategies of the third-party payment platformselection,in which the third-party payment platform selects the “ competition ”(“non-cooperation”)strategy and uses the partial derivative theoretical knowledge to analyze different strategies.The influence of the increase or decrease in the choice of income on the selection of evolutionary game strategies leads to relevant conclusions;in Chapter 5 Finally,the main players in the current domestic mobile payment industry—communication operators,commercial banks,financial institutions,and third-party payment platforms—were studied.The evolutionary game between these four parties was also discussed through classification and discussion.Financial institutions choose “cooperation” strategy or “competition”(“non-cooperation”)strategy,study and analyze the stability of several equilibrium points of the three-party evolutionary game replication system,and use three-dimensional phase diagrams and three-dimensional time history maps to visually display Different equilibrium conditions,the evolution of the game under different strategies to choose the situation,and thus come to the Quartet in the long-term evolution of the game strategy choice.There are three innovations in this paper.The first point is to verify the evolutionary game results of the evolutionary game system by simulating the evolutionary game trajectory phase diagram.The second point is to establish a tripartite evolutionary game system and a four-party evolutionary game system to study the mobile payment industry.The third is the use of three-dimensional phase maps and three-dimensional time history diagrams to visually demonstrate the evolutionary game conditions under different tactical choices.Through the study of this paper,the main members of the mobile payment industry's strategic choices have an impact on their own interests and the development of the entire industry.At the same time,studying the "competition and cooperation" game among all members can provide some theoretical references for the development and policy formulation of China's mobile payment industry,and it has certain theoretical and practical significance.