招行率先布局移动支付 强调银行业IT属性

CMB was the first to layout mobile payment banking IT attributes is emphasized

Last December, brewing years of China's financial official launch series of mobile payment technology standards, and with the relevant policies of the increasingly clear, wander for a long time of mobile payment industry has finally stepped into the fast lane of development. "Mobile financial time has come." In China merchants bank), Mr Ma's opinion, the future in terms of "after 80", "90 after" as the main body of the young generation under the change of consumption patterns, mobile payments industry will appear an explosive growth.

From Gartner's latest data show, by the end of 2012, the global mobile payment users will reach 212 million, the global mobile payment transaction amount will be $171.52 billion. But by 2015, the two data will be increased to $384 million and $472.805 billion respectively.

Mr Ma believes that because of the mobile payment industry span, long industry chain, only including operators, commercial Banks, terminal, such as manufacturing, third-party payment companies related parties to cooperate, mobile payment industry to achieve sustained, rapid and sound development. Cognition is based on the "win-win cooperation", since last year, China has two operators, China mobile and China unicom, and famous mobile phone brands such as HTC signed a strategic cooperation agreement, the first to open China's mobile payment industry chain under the new standard multilateral cooperation to a new chapter.

Industry competition

Looked from the present situation, the mobile payment market in China, represented by banking financial institutions, operators and represented by pay treasure to third party payment institutions have formed "three kingdoms tripartite confrontation". The former has perfect and mature fund settlement system, which both have a huge customer resources and sales channels. But in December 2012, the central bank officially released financial series of mobile payment technology standard in China, mobile payment standard controversy for a long time has "dust settled". The industry generally believe that, with the unification of the standard, "fragmented" mobile payment market will gradually toward the industry competition.

Mr Ma believes that because of the mobile payment industry span, long industry chain, only including operators, commercial Banks, terminal, such as manufacturing, third-party payment companies related parties to work together to the industry to achieve sustained, rapid and sound development.

In fact, it is based on the "win-win cooperation", since last year, China was first started with mobile phone manufacturers, carriers, and third party payment mobile payment industrial chain related parties to cooperate fully.

In order with China unicom, China mobile, the two operators, and well-known mobile phone brands such as HTC after qianshou, CMB has said, that will also be constantly expanding list of strategic cooperation, then there will be more carry bank "mobile money" application of mobile phone brands and models, also have a deeper cooperation with operators.

With China mobile as an example, the two sides will be based on NFC SWP - SIM mode, implement PBOC2.0 series standards in conformity with the central bank standard of mobile payment solutions, including but not limited to electronic cash, borrow, borrow write down card application of one or more of the financial payment application.

The business of innovation

According to the relevant data of the people's bank of China, by the end of 2011, China's mobile payment customer number of 145 million units, a 61.11% increase over 2010. At the same time, throughout the year in 2011 247 million mobile payment business, increased by 109% compared with 2010. "China mobile payment market development potential and prospect of expression are exciting." Deloitte in the trend and prospect is described.

In this background, more and more commercial Banks began to dabble in mobile payment field, trying to find a can let mobile technology to effectively combine the payment and bank business model and business model.

Is different from other Banks generally take NFC module is separated from mobile phone model of development, China merchants "mobile money" choose "one pace reachs the designated position", namely through will load in the built-in security chip in the card on the 3 g mobile phone to mobile phone and bank card directly to the "unity". And in cooperation with operators, it is in the mobile phone SIM card to load bank account directly.

In headquarters of action travel retail financial standing vice President of people's view, this is the "physical change" and "chemical changes". Are different from those of external physical transformation, this directly to the embedded mobile phone mobile payment function model can truly reflect the value of the mobile Internet.

It is understood. In the use of action travel "mobile money" to pay, the customer only at the checkout counter with the unionpay pay Quick Pass "flash" logo the POS "di" the mobile phone can complete the payment. At the same time, customers can also through the mobile phone anytime, anywhere viewing account balance of the "mobile money".

The top-up, CMB is using the phone wallet "air top-up" features. Customers simply by placing a piece of China merchants bank IC card with TOUCH card "mobile money" binding, can at any time, any place, the use of mobile phones directly as a "mobile money" account for prepaid phone, every time up to 1000 yuan.

"On the quota limit is mainly based on two aspects of safety and customer usage habits of thinking." CMB head office and retail Hu Tao, deputy general manager, said the new consumption habits takes time, and the customer has just started to use mobile payment only accept small amount, as the entire mobile markets mature, CMB will gradually improve the "mobile money".

Bank of change

Mr Ma has more than once emphasized "the banking industry's IT attributes". In his view, the information technology is to the banking industry, like air, surroundings; Every time in history of communications technology transformation, brings with it a change of the bank.

As the main force of the Chinese banking financial innovation, China merchants bank, seized the Internet revolution in the late 1990 s brought historic opportunity, first to put forward the developing mode of "cement + mouse", launched the first online banking in China "YiWangTong", was a brilliant success, and become the beneficiaries of science and technology revolution.

Now for Banks, the layout is also not only developing the mobile payment market new business needs, but also for long-term strategic considerations. In addition to improve the stability of the bank customers and gelling, mobile payments are leveraged bank CARDS, payment clearing and other business growth is also important to commercial bank again.

It seems to the personage inside course of study, exploring the mobile payment business can promote the growth of the banking intermediary business, be helpful for the adjustment of business structure; Again at the same time can promote consumers pay experience, expand the brand effect, in China's banking sector under the big trend of positive transformation, it's clearly a commercial Banks wouldn't miss a piece of "cake".

"Every innovation is market segmentation." In bank deputy governor, because the number of outlets on hard to compete with the big four Banks, has long been China's overall planning is the development of the business through the Internet to drive the development of retail business. But the future mobile financial will become another "engine".

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