移动支付影响下的银行业务创新策略研究

Banking Business Innovation Strategies Under the Influence of Mobile Payment

移动支付作为一种新的支付方式对银行业务产生积极影响的同时,也带来了一定的冲击。移动支付的多样性不仅在生活领域为人们带去了极大的便利,而且也有力地促进了银行业务的创新。文章从移动支付对传统银行业务带来的挑战入手,对银行业务在移动支付影响下如何创新进行了分析,提出了商业银行应对移动支付挑战的创新策略。

Mobile payment,as a new means of payment,not only brings positive effect on the bank business but also challenges.The multiple ways of mobile payment makes great convenience to people and meanwhile promotes the innovation in bank business.From the point of the challenges that mobile payment brings to bank business.Based on the analysis on this influence,new strategies are proposed.