On April 26, 2014, the “Blue Book of Payment and Clearing: China Payment and Liquidation Development Report (2014)†jointly organized by the Institute of Finance of the Chinese Academy of Social Sciences and the Social Science Literature Publishing House was held in Beijing.
The Blue Book pointed out that the terminal has always been an eternal topic of innovation in the payment field. Whoever has the terminal technology will occupy the initiative of development. In the future, it will present a pattern of “no terminal payment, strong terminal paymentâ€. In the long run, the future payment terminal system will be a dual-generation era dominated by mobile phones and computers. Television and telephone will only play a complementary role. Traditional terminals such as ATMs and POS machines may be gradually marginalized in the payment field. Even eliminated. It is true that the characteristics of people's time allocation and the habits of daily life determine that various types of terminals are not absolutely substitutes, but there is no doubt that with the popularity of smartphones and the application of 3G/4G networks, people like mobile phones The most common and convenient personal mobile terminal in life will change the structure of the entire terminal system and become the most important payment tool in the future.
Of course, in the development of mobile payment, due to the numerous industrial chain links involved, such as banks, payment companies, software vendors, mobile phone manufacturers, operators, etc., there has not been a sustainable, mutually beneficial industry development pattern, business The mode and positioning are still unclear, resulting in a lack of clear rights and responsibilities sharing mechanism between industry entities, and the existing business expansion and competition often stay at a low level, which is the core challenge in the development of mobile payment.
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