跨境支付领域成为移动支付“新蓝海”的可能性探析

Cross-border Payments will Become a "New Blue Ocean" for Mobile Payments

每年银行间处理跨境支付在25亿到30万亿美元之间,交易量达到100亿到150亿笔,全球化趋势下跨境支付需求越来越强烈,而第三方支付小、快、灵的特点刚好能满足强烈的行业需求,特别是用户直接通过手机客户端扫码完成收款付款操作,便捷、安全且手续费较低,更适合小额、高频跨境汇款和支付服务。本文基于PEST模型基础对境外支付领域发展移动支付的背景进行了分析和讨论,提出了可能遇到的问题与挑战,并提出了相关的发展建议。

The cross-border payment between banks is between 2.5 billion and 30 trillion U.S.dollars each year and the transaction volume reaches 10 billion to 15 billion.The demand for cross-border payment under the trend of globalization is getting stronger and stronger,while the third-party payment features of small,fast and smart just to meet the strong industry needs,in particular,the user directly through the mobile client code scanning payment receipt operation,convenient,Safe and low fees,more suitable for small,high-frequency cross-border remittance and payment services.Based on the PEST model,this paper analyzes and discusses the background of developing mobile payment in the field of overseas payment,puts forward some possible problems and challenges,and puts forward relevant development proposals.