移动支付发展道路的探索

Exploration on the Development Path of Mobile Payment

随着移动通信技术的快速发展,国内移动支付业务悄然兴起,已经成为移动电子商务发展的一个重要方向,作为电信运营商和金融机构的一项增值服务得到各方的普遍关注。移动支付形式利用无线移动通信技术及覆盖范围的优势,为银行业务发展提供了更广阔的空间。然而,当下各种业务试点方案层出不穷,给金融业如何介入这一产业带来了诸多挑战。为此,本文从分析移动支付业务发展对金融业的影响入手,比较国内外移动业务发展现状,就如何推动移动支付业务的健康、和谐发展,积极探索有效的途径。

With the rapid development of mobile communication technology,the domestic mobile payment services have sprung up.The development of mobile e-commerce has become an important direction and value-added services for telecom operators and financial institutions.The use of mobile payment in the form of wireless mobile communication technology and coverage advantages provides a broader space for business development for the banks.However,the current pilot program is various,how to intervene in the financial services industry has brought many challenges.This paper analyzes the impact on financial industry of development of mobile payment services,and compares the business development status of the mobile payment domestic and abroad,and conclude how to promote the development of mobile payment business healthily and harmoniously.