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Nomatterwhatthenumberofsubscribersandapplicationscope,mobilepaymentservicehasbeenmatureinJapan,SouthKoreaandEurope.
Withaggressivepromotionof3GservicesinChina,mobilepaymentservicehasevolvedfromitsinfancyintogrowthperiod.
In2009,thenumberofmobilepaymentusersinChinaregistered108millionwithariseof25.
6%fromayearearlier,anditisexpectedthatthenumberwillbe147millionin2010.
Giventheenormouspotentialsofmobilepaymentmarket,ResearchInChinaandwww.
1diaocha.
comcooperatedtoconductasurveyonmobilepaymentnetworkinAugust2010.
Inthesurvey,therewere600respondentsmostofwhomwereattheageof20-50,menaccountedfor50.
7%andwomen49.
3%.
ThesurveymainlycoveredShanghai,Shenzhen,Beijing,Guangzhou,Chengduandother18cities.
Therespondentswerenationalcivilservants,teachers,militarypersonnel,corporateexecutives,generalstaff,soleproprietors,blue-collarworkersandstudents,withthemonthlyincomerangingfromRMB2000toRMB20,000.
ChinaMobilePaymentSurveyReport,2010Inregardtothereasonfornotusingmobilepayment,accordingtotheresultofthesurvey,68.
9%oftherespondentsworriedaboutsecurity.
Securitywastheissuethatconsumersweremostconcernedabout.
36.
2%ofthesurveyedsaidtheydidnotknowwellaboutmobilepayment,22.
3%feltthatitwasinconvenienttosubscribemobilepaymentservice,17.
9%thoughtthatitwasnoteasytooperate,16.
0%saidtheirmobilephonesdidnotsupportthefunction,14.
2%thoughtthatthecostwashigh.
Therefore,thepromotionofmobilepaymentshouldbaseongoodsecuritymeasureswhichcanresolvepotentialsafetyproblems,excellentpublicity,andsimplifiedmobilepaymentmethodswhichmakesubscribersexperiencetheconvenienceofmobilepayment.
ReasonsforSubscribersNotUsingMobilePaymentSource:ResearchInChina;www.
1diaocha.
comInrespectofsubscriptionmethodsofmobilepaymentacceptabletosubscribers,accordingtotheresultofthesurvey,58.
2%oftherespondentspreferredtosubscribetheserviceinbanks,20.
4%wouldlikebuySDcardsormounting,15.
1%changedSIMcards,andonly6.
3%wantedtoreplacecellphones.
Itcanbedrawnfromabovethatsubscriberspreferthemostconvenientmethod.
Ontheotherhand,thelow-to-highproportionrepresentsthecostfromthehightothelow.
Subscribersareunwillingtopayadditionalcostwhentheysubscribemobilepaymentservice.
ThisshowsthatNFCmobilephoneswithmobilepaymentfunctionarethecellphonesthatsubscribersdislikemostwhentheywishtosubscribemobilepaymentservice.
Butnow,consumersreplacetheircellphonesfrequently.
IfhavingbeenimplantedwithNFCfeatureatfactories,therewillbeacertainmarketspaceforsubscribingmobilepaymentservicebychangingphones.
SubscriptionMethodsofMobilePaymentthatSubscribersCanAcceptSource:ResearchInChina;www.
1diaocha.
comConcerningtheimplementationmethodsofmobilepayment,accordingtotheresultofthesurvey,51.
4%oftherespondentsrenderedSMS,29.
8%dialedcallsand15.
2%paidinshortdistance.
ThisresultiscloselyrelatedwiththesmallpopulationofPOSmachinesatpresentinitialstage.
Withthematurityofmobilepaymentinthefuture,thenumberofPOSmachinewillincrease,anditisexpectedthatshort-distancepaymentwilltakealargepercentage.
MobilePaymentMethodsSource:ResearchInChina;www.
1diaocha.
comTableofContents1OverviewofMobilePayment1.
1Definition1.
2Classification1.
2.
1ByPaymentMode1.
2.
2ByTransactionAmount1.
2.
3ByBusinessModel2BusinessModelsofMobilePayment2.
1(Relatively)LedbyOperators2.
2LedbyFinancialInstitutions2.
3LedbyThirdPartyPaymentPlatform2.
4DevelopmentTrends3SurveyonSubscribersofMobilePayment3.
1Background3.
1.
1AgeStructure3.
1.
2EducationStructure3.
1.
3IncomeStructure3.
1.
4OccupationalStructure3.
1.
5UrbanStructure3.
2ReasonsforNotUsingMobilePayment3.
3ReasonsforUsingMobilePaymentBefore,ButNotUsingItNow3.
4ChannelsfromwhichSubscribersHopetoGetInformationaboutMobilePayment3.
5SubscriptionMethodsofMobilePaymentthatSubscribersCanAccept3.
6InstitutionswhoseMobilePaymentServicesUsedbySubscribers3.
7ImplementationMethodsofMobilePayment3.
8BankswhoseMobileBankingServicesUsedbySubscribers3.
9TimesofUsingMobilePaymentAveragelyPerMonthinRecent6Months3.
10PaymentMethodsofMobilePaymentService3.
11ConsumptionLimitationofMobilePayment3.
12BusinesstowhichMobilePaymentIsApplied3.
13AdvantagesofMobilePaymenttoOtherPaymentMethods3.
14DisadvantagesofMobilePaymenttoOtherPaymentMethodsSelectedChartsClassificationofMobilePaymentMobilePaymentIndustryChainDirectedbyMobileOperators(Independently)MobilePaymentIndustryChainDirectedbyMobileOperators(Relatively)MobilePaymentIndustryChainDirectedbyFinancialInstitutionsMobilePaymentIndustryChainDirectedbyThird-partyPaymentPlatformThreeBusinessModelsofMobilePaymentinChinaAgeStructureofRespondentsEducationalStructureofRespondentsIncomeStructureofRespondentsOccupationalStructureofRespondentsUrbanStructureofRespondentsReasonsforNotUsingMobilePaymentReasonsforRespondentsNotUsingMobilePaymentbyAgeReasonsforRespondentsNotUsingMobilePaymentbyEducationBackgroundReasonsforRespondentsNotUsingMobilePaymentbyIncomeReasonsforUsingMobilePaymentBefore,ButNotUsingItNowChannelsfromwhichSubscribersHopetoGetInformationaboutMobilePaymentChannelsfromwhichSubscribersHopetoGetInformationaboutMobilePaymentbyGenderChannelsfromwhichSubscribersHopetoGetInformationaboutMobilePaymentfrombyAgeSubscriptionMethodsofMobilePaymentThatSubscriberscanAcceptSubscriptionMethodsofMobilePaymentthatSubscribersCanAcceptbyGenderSubscriptionMethodsofMobilePaymentthatSubscribersCanAcceptbyEducationBackgroundInstitutionswhoseMobilePaymentServicesUsedbySubscribersSubscriptionInstitutionsandMethodsofMobilePaymentbyGenderofSubscribersOperatorswhoseMobilePaymentServicesUsedbySubscribersPaymentMethodsofMobilePaymentServicePaymentMethodsofMobilePaymentServicebyEducationBackgroundofSubscribersMobilePhoneReplenishingChargesandPaymentMethodsofMobilePaymentServicebyAgeofSubscribersPercentageofMobileBankingServicesUsedbySubscribersPercentageofMobileBankingServicesUsedbySubscribersbyGenderMobileBankingServicesUsedbySubscribersbyProfessionMobileBankingServicesUsedbySubscribersbyCityTimesofAveragelyUsingMobilePaymentperMonthinRecent6MonthsTimesofAverageUsingMobilePaymentperMonthinRecent6MonthsbyAgeofSubscribersTimesofAverageUsingMobilePaymentperMonthinRecent6MonthsbyCityPaymentMethodsofMobilePaymentServicePaymentMethodsofMobilePaymentServicebyAgeofSubscribersUnitConsumptionLimitationofMobilePaymentProposedUnitConsumptionLimitationofMobilePaymentbyEducationBackgroundofSubscribersProposedUnitConsumptionLimitationofMobilePaymentbyIncomeofSubscribersProposedUnitConsumptionLimitationofMobilePaymentbyCityBusinesstowhichMobilePaymentIsAppliedMobilePaymentServicebyGenderofSubscribersMobilePaymentServicebyAgeofSubscribersAdvantagesofMobilePaymenttoOtherPaymentMethodsAdvantagesofMobilePaymentbyAgeofSubscribersAdvantagesofMobilePaymentbyEducationBackgroundofSubscribersDisadvantagesofMobilePaymenttoOtherPaymentMethodsDisadvantagesofMobilePaymentbyGenderofSubscribersDisadvantagesofMobilePaymentbyIncomeofSubscribersHowtoBuyProductdetailsHowtoOrderUSDFileSingleuser999PDFEnterprisewide1,800PDFPublicationdate:Sep.
2010Byemail:report@researchinchina.
comByfax:86-10-82601570Byonline:www.
researchinchina.
comFormoreinformation,callourofficeinBeijing,China:Tel:86-10-82600828Website:www.
researchinchina.
com