在支付5.0时代银行业基于支付宝及微信支付背景下的竞争研究被引量：2

Competition Research of Banking Industry Based on Alipay and WeChat Payment in the Payment 5.0 Era

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摘要随着支付5.0时代的到来,人们的生活购物变得越来越方便快捷,在享受支付宝与微信支付两大巨头竞争分得的好处之后,越来越多的人将目光转离传统的银行业,由此造成银行业的蛋糕遭到大量的掠夺。为了生存与发展,各大银行在与支付宝和微信支付合作的同时,也在寻求自身的突围之路,纷纷开发自己的移动支付APP,并且在银联的号召下“云支付”应运而生,但是面对支付宝和微信支付两大巨头的强势而言,银行业却没有形成一个相对统一的阵营,无法与两大巨头进行有效的抗衡。面对移动支付这一现状,银行业该何去何从成为当前一个热门话题,本文就银行业在此背景下面临的竞争问题进行研究,期望能对移动支付目前的竞争状况有一个较清晰的认识。 With the advent of the 5.0 era, people's life shopping has become more convenient and faster. After enjoying the benefits of the two giants of Alipay and WeChat payment, more and more people are turning away their attention from the traditional banking industry, which has caused a lot of plundering of cakes in the banking industry. In order to survive and develop, major banks are also seeking their own breakthroughs while working with Alipay and WeChat payment, and have developed their own mobile payment APP. Under the call of UnionPay,"cloud payment" came into being, but in the face of the strength of Alipay and WeChat paying giants, the banking industry has not formed a relatively unified camp, and can not effectively compete with the two giants. Faced with the current situation of mobile payment, where should the banking industry to go to become a hot topic at present? This paper studies the competition problems faced by the banking industry in this context, and hopes to have a clearer understanding of the current competition status of mobile payment.

作者阳运清 YANG Yun-qing(Sichuan Institute of Business Accounting,Sichuan Technology and Business University,Meishan 620000,China)

机构地区四川工商学院会计学院

出处《价值工程》 2019年第28期103-105,共3页 Value Engineering

关键词支付宝微信支付支付5.0时代银行业移动支付竞争 Alipay WeChat pay Pay 5.0 era the banking sector mobile payment competition

分类号 F49 [经济管理—产业经济]

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参考文献1

1刘勇,叶婷燕.微信支付用户采纳影响因素研究[J].价值工程,2014,33(10):131-134. 被引量：13

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