中国的零售支付市场:发展移动支付和构建支付生态圈

Retail Payment Trends in China
by Hua Zhang, January 24, 2014
Industry Trends
Asia-Pacific

Abstract

Celent预计2015年,中国电子商务市场的规模有望达到5,500亿美元,2020年,中国电子商务将占到零售业交易额的50%。届时,第三方互联网支付和移动支付将超过信用卡和现金支付。

今天,零售支付业已经不再仅仅是货币转移,而是需要建立一个生态圈,包括:电子商城、社交网络、货币型基金、行业细分支付(电影票支付和餐厅支付是有很大不同的)、移动支付、信用、地图服务和O2O合作伙伴管理。用户可以在这个生态圈内寻找自己想要购买的商品和购买场所,完成支付(包括:各种支付方式、分期、信贷等),分享购买。在整个支付生态圈中,银行面临着很大的竞争压力。在新报告,中国的零售支付市场:发展移动支付和构建支付生态圈,Celent分析了零售市场的规模、趋势、法规和竞争格局。

“商业银行过去的很多优势将会逐渐失去,但是核心优势仍将保留。比如:用户可以不用信用卡,但是难以离开信用支付和消费贷款。在短期未来,商业银行的网点、ATM、POS、银行卡仍将保持重要优势。商业银行未来需要多点发力才能重新获得支付入口,这包括:金融IC卡、银行卡闪付、NFC支付和无卡金融等领域。”张华说,Celent分析师,同时也该报告的作者。

这篇报告描述了零售支付业发展趋势和各个支付供应商的战略。

This 28-page report contains 14 figures and 9 tables.

Celent is a research and advisory firm dedicated to helping financial institutions formulate comprehensive business and technology strategies. Celent publishes reports identifying trends and best practices in financial services technology and conducts consulting engagements for financial institutions looking to use technology to enhance existing business processes or launch new business strategies. With a team of internationally based analysts, Celent is uniquely positioned to offer strategic advice and market insights on a global basis. Celent is a member of the Oliver Wyman Group, which is a wholly-owned subsidiary of Marsh & McLennan Companies [NYSE: MMC].

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