移动支付适宜模式的选择

The Choice of Suitable Model for Mobile Payment

介绍了移动支付的原理和特征,对我国现存的两种移动支付模式进行了分析,阐述了两种模式各自的流程;运用SWOT对这两种模式进行比较,再结合市场规模的数据,指出我国移动支付的发展方向是手机商城模式将长期存在,但最终趋势还是以银行为主导的手机银行模式。

This paper introduces the principle and features of mobile payment, analyzes two kinds of mobile payment models existed in China, compares the two models by using SWOT, based on the data of market size, points out that the development direction of China＇ s mobile payment is that mobile phone mall will exist for a long time but the final trend will be mobile banking service led by banks.