The rise of mobile payment is a bank card to the beginning of history?

< p > The golden age of bank card has been in the past, a few years mobile payment for bank card "overtaking corner"? In accordance with the rapid development of mobile Internet now, the answer is entirely possible. < / p > < p > Square, Google Wallet, Paypal... In the field of mobile payment, the United States brought us infinite imagination. According to IBM's Benchmark after investigating 500 retailers across the United States found that 2012 American mobile payment volume in the whole accounted for 16%, compared with 9.8% in 2011. Just one year time, growth of mobile payment turnover accounted for 6.2%. Maybe in the United States now is three years later China? In fact, in the field of payment, China probably won't have similar to Europe and the United States have the same height in the development of bank card payment environment and culture, this gives the mobile payment left a "passing lane". < / p > < p > China's electronic payment field and infinite close to international level < / p > < p > January 15, 2012 issued by alipay alipay annual statements, surprisingly, Lhasa, with 14.48% of the mobile payment proportion, has become the national mobile payments accounted for the highest city, the second and the third is the Tibet nyingchi area respectively, and the town nanchong in sichuan province. In fact, mobile payment activity in the top ten cities, seven are from the western region, the other three are in guangdong yunfu, maoming and sanya in hainan. These areas of mobile payment is more than 12%, and the national average is 9.2%. < / p > < p > "Domestic mobile payment of the highest activity, indeed a ratio of about the same as the United States is, in this wave, and China is the world grow up together, and even leads the world in some way." Pay treasure to chief financial GuanJing xian think, due to the acceleration of information flow, make domestic third-party payment industry in the information age and the infinite close to international level. "In the field of bank card, we lag behind Europe and the United States for 20 years, in the era of chip card, 5 years behind the us, and in the field of electronic payment, the gap between us only 1 year, or even shorter." < / p > < p > & have spent The < img style = "width: 602 px; height: 242 px;" Alt = "" SRC =" http://www.mcking.cn/upload_files/mcking_news_/2/1_1362120832_9135742.png "/ > < / p > < p > Square: a revolution incomplete self < / p > < p > Winter may be a far future, but unfortunately, the explosive growth of mobile payment, bank card have entered the early cretaceous, and even have to face the card issuers of revolution. < / p > < p > In 2012, launched a new mobile payment of Visa brand "V.m e", users only need to input your user name and password to complete payment, without having to enter your credit card information. < / p > < p > In China, the main card also smell the smell of the crisis. < / p > < p > Launched in 2011, China unionpay with "QuickPass" and "flash pay" logo, support NFC near field pay bank card, at the same time start large-scale layout support near field pay the POS machine equipment. < / p > < p > For bank card huge stock of European and American countries, however, mobile payment is a revolution not thorough self. Starting in the 1960 s, Europe and the United States had begun to issue bank CARDS, up to now the total world bank card at around 10 billion, in the face of huge burden of bank card stock, represented by Square of portable card, represented by Google Wallet "virtual card" helplessly took a "curve" asssisting roads. < / p > < p > No burden to the top of the website wave < / p > < p > But all this is helpless, for bank card "latecomers" the Chinese market is not out of the question. In 1985, China issued the first card, a short span of 20 years, China's retail market is far from dependent on bank card, for now to lower cost of mobile payment, also do not need to pay too high sunk costs. < / p > < p > Alipay, according to the annual statements in 2012, wireless pay the total amount of 546% higher than last year, the number of people using wireless payment also rose 223% year-on-year, mobile payment number of alipay, the proportion of total number of transactions has reached 9.2%. Shopping festival on the same day in 1111 produced nearly 9 million mobile payment. < / p > < p > "China has no historical baggage, third-party payment there is no large hardware cost (POS)." However, domestic mobile payment model how evolution has a different approach, some still in deduce new models of machines or chips, launched one after another of portable credit card pay, NFC near field equipment, to look forward to working with traditional swipe the smooth docking. However, in the credit card merchant and the limited use of the NFC terminal under the condition of high costs, whether it is a sustainable model is an important consideration. < / p > < p > In 2012, the main of portable credit card Carla loss of 100 million, 2013 will be put into large sums of money to upgrade equipment, it may be "light spirit" of the mobile Internet can't bear the cost of heavy, is also the general enterprise can't afford to burn. < / p > < p > Mobile Internet era, only lighter "car", "passing lane" to drive up faster, moving the quick pay will pay tool and user experience have made a good binding, online interaction also extended a long payment time axis. Do not rely on hardware solutions, which means lower hardware cost, a wider range of people and pay more perfect experience. To seize the historical opportunity, no baggage latecomers will often stand in the next wave of peak, in China, mobile payment may be able to complete a overtaking "corner" of bank CARDS, wave on the top of the beautiful sites. < / p >