目次
Payment functions in mobile phones have already become a kind of fundamental technology. Using payment functions, a mobile phone can become a digital wallet containing various forms of money, including debit card, credit card, rechargeable card, coupon, and discount card.
Mobile payment services in China are generally in the initial phase, with usage limited to mobile phone charges and mobile application purchases. Other types of mobile payment, such as NFC mobile phone payment and online payments of the kind used in mobile e-commerce, remain in the trial phase. However, drivers from both the supply side and the demand side are strong enough to drive growth. In addition, industry players in China have recognized the potential growth of the mobile payment market and are beginning to get more actively involved.
To provide these players with a deeper understanding of the mobile payment market, In-Stat generated this report, which clarifies the various kinds of mobile payment services and the ways in which they are used, analyzes business models and potential market structures, and provides forecasts for the market sizes of the different types of mobile payment services in China.
Table of Contents
- Executive Summary
- Mobile Payment Market Overview
- Types of Mobile Payment
- Local Payment
- Remote Payment
- Development of Mobile Payment in China
- Mobile Payment Models Development Path
- Market Size
- Mobile Payment Market Value Chain and Business Models
- Value Chain Analysis
- Payment With Non-SIM Card-Based NFC Mobile Phone
- Payment With SIM Card-Based Payment Mobile Phone
- Mobile Phone Number-Bundled Bank Account Payment
- Mobile Online Bank Card Payment
- Rechargeable Card Payment
- SMS Phone Charge Payment
- Business Models of Mobile Payment Platform Providers
- Who Will Dominate China’s Mobile Payment Market?
- Telecom Operator Strategies in Mobile Payment Market
- China Mobile
- China Unicom
- China Telecom
- Mobile Payment Consumer Survey
- Current Users
- Usage Patterns
- Most Popular Payment Methods
- Preferred Payment Accounts and Platforms
- Non-Users
- Awareness of Mobile Payment
- Acceptance of Mobile Payment
- Preferred Payment
- Conclusions
- Respondent Profiles
- Development Trends in China’s Mobile Payment Market
- Local Payment
- Remote Payment
- Market Forecasts
- Company Profiles
- UMPay
- Alipay
- Lianlian
- Smartpay
- Methodology
- Table 1. Respondent Profiles
- Figure 1. China’s Mobile Payment User Forecast, 2009–2013 (in Millions)
- Figure 2. China’s Mobile Payment Market Transaction Value Forecast, 2009–2013 (US$ in Billions)
- Figure 3. Nokia 6313i NFC Mobile Phone
- Figure 4. Types of Mobile Payment Services
- Figure 5. Mobile Payment Models Development Path
- Figure 6. China’s Mobile Payment Users, 2006–2008 (in Millions)
- Figure 7. China’s Mobile Payment Market Transaction Value, 2006–2008 (US$ in Billions)
- Figure 8. China’s Payment Platform Provider Revenue, 2006–2008 (US$ in Millions)
- Figure 9. Value Chain Structure of Payment With Non-SIM Card-Based NFC Mobile Phone
- Figure 10. Value Chain Structure of Payment With SIM Card-Based Payment Mobile Phone
- Figure 11. Value Chain Structure of Mobile Phone Number-Bundled Bank Account Payment
- Figure 12. Value Chain Structure of Mobile Online Bank Card Payment
- Figure 13. Value Chain Structure of Rechargeable Card Payment
- Figure 14. Value Chain Structure of SMS Phone Charge Payment
- Figure 15. Mobile Payment Platform Providers Revenue Sources
- Figure 16. Most Popular Uses of Mobile Payment (Multiple Answers Allowed)
- Figure 17. Times Used Per Month
- Figure 18. Transaction Value per Payment
- Figure 19. Most Popular Payment Methods
- Figure 20. Reasons for Use (Multiple Answers Allowed)
- Figure 21. Most Commonly Used Payment Accounts
- Figure 22. Preferred Payment Platforms
- Figure 23. Awareness of Mobile Payment
- Figure 24. Reasons for Not Using Mobile Payment (Multiple Answers Allowed)
- Figure 25. Non-User Willingness to Use Mobile Payment
- Figure 26. Preferred Non-User Usage Types (Multiple Answers Allowed, Base: Respondents Interested in Mobile Payment)
- Figure 27. Preferred Non-User Payment Types (Base: Respondents Interested in Mobile Payment)
- Figure 28. Preferred Non-User Payment Accounts (Base: Respondents Interested in Mobile Payment)
- Figure 29. Preferred Non-User Payment Platforms (Base: Respondents Interested in Mobile Payment)
- Figure 30. China’s Mobile Payment User Forecast, 2009–2013 (in Millions)
- Figure 31. Mobile Payment Transaction Value Forecast, 2009–2013 (US$ in Billions)
- Figure 32. UMPay’s “Mobile Wallet” Client Software
複数の企業と技術の競争によって、中国のモバイル決済サービスが可能に
アリゾナ州スコッツデール、2009年9月10日
モバイル決済はまだ揺籃期にあるものの、利用者数は10億となり、中国のモバイル決済サービス市場は複数の企業や様々な技術の競争が焦点となるだろう。中国のモバイル決済サービスには主に、ローカル決済(現地通貨建決済)サービスと遠隔決済サービスの2つのタイプがある。ローカル決済と銀行口座ベースの遠隔決済サービスはどちらも初期段階にあり、銀行口座ベースではない遠隔決済サービスが、中国のモバイル決済サービス市場の主流である。
中国のローカルモバイル決済には、独占的なソリューションはない。SIMカード(加入者認証モジュール)ベースの決済ソリューションも、SIMカードを使用しない短距離無線(NFC)決済ソリューションも、試用段階にある。銀行や運輸などの分野の利益団体が、携帯電話メーカーや携帯オペレータに様々な方法を推進している。
米国の調査会社インスタット社は、2013年末には遠隔決済利用者数は倍増し、取引金額は140億ドルに近づくと確信している。ローカル決済利用者数は、試用段階から6000万ユーザ、40億ドル規模に拡大するだろう。
インスタット社は、下記についても調査した。
- China Mobile向けにカスタマイズされたRF SIMソリューションのSIMカードは、2010年半ばに発売される予定で、同社は今、提携する小売業者や採用するPOSデバイスを模索している
- インスタット社の調査回答者の半数以上が、携帯電話を支払いツールとして利用することに関心があると回答している
- 現在のモバイル決済利用者で最も多かった回答は、銀行預金の決済プラットフォームとして利用するとした36.7%で、中国の利用者は銀行業界を非常に信頼していると考えられる
インスタット社の調査レポート「中国のモバイル決済市場調査:市場概況とユーザ調査 - Remote Payment Will Lead China's Mobile Payment Market, Local Payment Will Follow」は、中国のモバイル決済市場を調査した。中国のモバイル決済利用者予測、モバイル決済の取引金額、ローカル決済と遠隔決済の区分、決済プラットフォームプロバイダ収益、ビジネスモデル分析、市場戦略の可能性分析、通信会社の戦略分析、モバイル決済プラットフォームプロバイダ分析を記載している。
原文)
Multiple Companies and Technologies Vie to Enable Mobile Payment Services in China
SCOTTSDALE, Ariz., September 10, 2009 - In a market where 100 million users of remote payment still represents a nascent segment, China’s mobile payment services market is the focus of multiple competing companies and alternative technologies. Mobile payment services in China are characterized by two main types: local payment services and remote payment services. Local payment and bank account-based remote payment services are still in their early stages, while non-bank account-based remote payment services are the mainstream of China's mobile payment services market. In China, there is no dominant solution in the local payment area. Both subscriber identity module (SIM) card-based payment solutions and non-SIM card-based near field communications (NFC) payment solutions remain in the trial stages. Interest groups pushing different alternatives range from the banking and transportation sectors, to mobile phone makers, to mobile telecom operators.
It is little wonder that In-Stat projects the number of users of remote payment will double by the end of 2013, with transaction value approaching US$14 billion. The number of local payment users will expand from trial stages to represent nearly 60 million users and approach US$4 billion.
Recent research by In-Stat found the following:
- SIM cards with RF SIM solutions customized by China Mobile are expected to launch in mid-2010, and the company is currently working to develop retail partners and deploy POS devices.
- Over half of respondents to In-Stat’s survey express interest in using their mobile phones as a payment tool.
- The largest proportion of current mobile payment services users (36.7%) responded that they prefer to use payment platforms funded by banks, indicating that the banking sector is the most trusted by Chinese consumers.
Recent In-Stat research, Remote Payment Will Lead China's Mobile Payment Market, Local Payment Will Follow (#IN0904396CWW), covers the market for mobile payment in China. It includes: - Forecast of china's mobile payment users.
- Forecast of china's mobile payment market transaction value.
- Segmentation of local payment and remote payment.
- Payment Platform Provider Revenue.
- Analysis of business models, potential market structures, and strategies among telecom operators and mobile payment platform providers.
