At this stage, both the card issuer, the operating environment, various hardware supporting NFC technology, and the emergence of security technologies have made the mobile payment industry more mature and diversified. Next, the difficulty facing the mobile payment industry should be how to convince users to change traditional payment habits.
On the day before the launch of Shanghai MWC in 2015, the GSMA organizers held a mobile payment summit in advance, inviting many guests in the payment industry to discuss the current status of mobile payment, the difficulties faced and the future development prospects. Since this is the third time that GSMA has hosted the Mobile Payment Summit, the content of this discussion is more specific than the previous two, which is biased towards mobile payment and identity authentication.
After several years of running-in, mobile payment, online e-commerce, and payment conversion technologies are mature enough. Although users are still accustomed to paying in the traditional way, many commercial organizations and equipment manufacturers have introduced new products to guide users to try the latest payment. the way.
The reason why the near-field payment technology is slow to develop is mainly due to two reasons, firstly the time factor, and secondly, the failure to find a good business model. The challenges are mainly business cases, NFC phone availability, hardware and software availability, and fragmentation can hinder business development, such as different styles of user interfaces.
However, the good news is that the payment services of global operators are growing rapidly. Up to now, there are 165 NFC service providers in the world, and 25 of them are business-oriented businesses in the Asia-Pacific region.
UnionPay: Support NFC mobile phone / hardware / SIM card
At present, 150 countries and regions have begun to accept UnionPay cards. At the same time, 40 countries and regions have issued UnionPay cards. A total of 47 million UnionPay cards have been issued overseas, with 4.9 billion in China.
According to the person in charge of UnionPay, the number of smartphone users in China is expected to reach 600 million users in 2015. Each user will use different applications. This is the basis for the rapid development of mobile Internet. In addition, the emergence of applications such as LBS has promoted the development of the industry.
The opportunity for NFC payment is already in line with more financial standards. More and more mobile devices are beginning to support NFC technology. According to statistics, there are 5 million contactless POS machines and 10,000 online merchants. In addition, payment platforms such as Token are also more secure.
UnionPay now supports NFC smart hardware, smart phones and SIM cards, while Apple, Google and Samsung are also launching new NFC products. Since 2003, UnionPay has cooperated with three telecom operators based on SMS mobile payment solutions, allowing financial institutions and telecom operators to have more cooperation possibilities.
In the future, UnionPay will use the open sharing method to build an NFC ecosystem, which will be completed by the accepting merchants, partners, card issuers and terminal manufacturers.
Tencent: Open WeChat QQ mobile payment
In the field of mobile payments, Tencent Tenpay has been launched for ten years. Considering the rise of the mobile Internet, TenPay products are undergoing rapid changes. At present, the two new products are mainly WeChat wallets, Yu'ebao, and are also accelerating the layout in credit reporting and big data. In addition to paying for data, there will be more social data in the future to support the development of mobile payments.
The transaction volume and number of users of WeChat payment are increasing rapidly, and users can use the fragmented time to complete the payment operation. The current limitation of WeChat payment is that the market share in Europe is not high.
Since last year, red envelopes have led to a broader application of social networking and payment. There were 5 million users after going online last year, and the number of users has quadrupled this year. In other business areas, Tencent is currently relying on QQ e-wallet to launch more services, and has now reached the number of 800 million users.
Samsung Pay: Simple operation is a prerequisite
Samsung's first focus in the payment industry is customer experience. They think that customers are not targeted when choosing a solution, and the focus of Samsung's payment is to make their payment process simple and let users experience the joy of payment.
The person in charge of Samsung said that the current mobile payment usage rate is only 9.1%, including adding more merchants and making the payment process more secure is the reason for users to choose mobile payment. The advantage of Samsung's payment is mainly three points. First of all, it is always ready. Samsung will launch a full payment method, which is compatible with NFC of the sales terminal and compatible with other sales terminals. The other is simple, mainly through more ways to achieve payment, such as under the lock screen, under the fingerprint and so on.
Finally, it is safe. Samsung has previously launched the KNOX service, which enables real-time intrusion detection services and also guarantees card privacy. According to reports, in the second half of 2015, Samsung Pay will be first opened in the United States and South Korea, and will expand to other regions.
Ali: The next step is face recognition.
Traditional finance mainly uses the model of cloud computing and big data to express traditional financial products with Internet products. Ali is currently developing face recognition technology. Biotechnology is multi-dimensional, and the advantage over fingerprints is that the face is not a purely private content for the public, but the fingerprint is a more private message.
The core challenge of future face technology is that the algorithm itself needs to be more precise. In terms of application, Ali has been involved in ID verification, live detection, photo processing, and face recognition. Ali’s heads believe that future traditional passwords may be completely replaced by biometrics.
Orange: Trust is the driving force
Orange currently has 247 million customers, and Orange believes that customer trust is the most important part of mobile payments, while financial institutions and operators are also the driving force behind digital economic growth.
Orange's strength lies in the use of SIM cards and network security to provide more secure value-added services for the financial industry and mobile payment. In the future, Orange will connect to the mobile phone through a mobile connection, such as PIN identification and stored in the SIM.
China Mobile: The role of operators should not be underestimated
China Mobile E-commerce Department was established in 2006. As of 2014, the transaction amount exceeded 300 billion. At the end of 2014, the number of registered users was 100 million. They have already cooperated with 60 banks and 100,000 online and offline businesses.
In 2013, China Mobile launched and packaged NFC applications, with 5 million users and 200 TSM-based applications, including public transportation, banking, and supermarkets. In the future, their strategic direction is mainly four points: 1. Open the space of SIM card; 2. Create multi-client portal; 3. TSM platform from centralized platform to two-level platform; 4. More diversified terminals, such as launching wearable devices.
Kakao Talk: Social platform needs mobile payment thinking
Kakao is Korea's number one instant messaging software with 180 million registered users. In addition to the general communication functions, Kakao is characterized by the addition of a gift mode, strong interactivity, and also joined the KakaoGame mode.
In order to adapt to the tide of mobile payment, Kakao Talk has simplified the original complicated payment method in the near future, so that payment can be completed in only three steps. In the future, they will integrate more applications into communication tools, simplifying users' downloading of third parties. The tedium of the application.
VISA: Three encryption methods ensure security
Today's digital payment forms are undergoing major changes, and issuers, the environment, equipment, and security technologies have an impact on the payment ecosystem. For VISA, they have introduced EMV chip technology, end-to-end encryption, and token technology to ensure data security. At this stage, VISA mainly relies on token instructions and main card emulation to ensure security.
Digital identity authentication improves user stickiness
In the afternoon of the mobile phone interconnection personal identity security speech, the person in charge from China Unicom, CyberSource, etc. also published a security strategy analysis of the mobile payment link. The current mobile phone interconnection and digital identity authentication are mainly used in some business cases, including the traditional mobile identity authentication and digital service. Identity authentication as a new product can improve the user's participation viscosity, and the security is also better than the general authentication method. higher.
How to change the user's payment habits is difficult
Through this mobile summit, you can feel the enthusiasm of mobile payment once again set off. It is only different from the efforts of a few pioneers a few years ago. At present, the mobile payment industry is more mature and diversified, whether it is the card issuer, the operating environment, various hardware supporting NFC technology, and the emergence of security technologies. Under the premise of everything, the next difficult thing for the mobile payment industry may be how to convince users to change the traditional payment habits.
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