移动支付存在的主要问题及市场切入点分析

Analysis of main problems in mobile payment and marketing

移动支付是移动互联网的一项特殊增值应用,具有广泛的用户基础和市场前景.着重介绍了移动支付的方式和移动支付系统,并从市场发展障碍、支付运营策略、市场理解和认知度三个层面分析了移动支付存在的主要问题.在金融、彩票、工商、税务和社会公用事业收费等方面探讨了移动支付可能存在的市场潜力,即:由于目前我国手机用户多、电脑普及率低、金融和支付手段较落后,移动支付业务将可能在中国实现跨越式发展;移动支付产业在我国刚刚起步,真正有规模的商业运营尚未形成,故市场潜力巨大.

The mobile payment service is a special value added application of mobile internet,with wide consumer base and broad market prospect. This paper mainly introduced the payment system and analyzed the current problems from hinders in the market development,operating strategies as well as understanding of market. Furthermore,the future market potential was also analyzed from many aspects,including financial industry,commercial industry,lottery,the tax system,charge for society public utilities,etc. The fact of the less popularization of computers in common families and low level payment ways,comparing with the overwhelming amount of cell phone users,will lead the mobile payment a great leap forward. At the same time,the first appearance of the service with no large scale carriers provides the mobile payment service great commercial potential.