Recently, the central bank announced the overall situation of the payment system in the first quarter of 2014. From the breakdown of data, mobile payment business has the strongest growth momentum, with a business volume close to 4 trillion yuan, and the growth rate has exceeded 200% for five consecutive quarters. In this way, the average consumer in the country spends 44.4 billion yuan on mobile phones every day. The rapid rise of mobile payment methods is affecting all aspects of consumer life. In the future, perhaps the coins will disappear, and the banknotes can only lie in the wallet and sleep. For the fifth consecutive quarter, mobile payments have remained 200%. Data show that in the first quarter of this year, there were 7.067 billion electronic payment services in China, amounting to 292.89 trillion yuan, up 25.92% and 34.60% respectively. Among them, online payment business was 6.316 billion, with an amount of 287.75 trillion yuan, up 20.31% and 33.81% respectively; mobile payment business was 659 million, amounting to 3.89 trillion yuan, up 232.20% and 255.37% respectively. Under the rough calculation, the average consumer in the country used the mobile phone to buy 44.4 billion yuan per day. According to reports, electronic payment refers to the payment services initiated by customers through electronic channels such as online banking, telephone banking and mobile banking, including online payment, telephone payment and mobile payment. Under what circumstances will consumers use mobile payments? Internet finance company Epropay has released a survey on the popularity of mobile payment applications. The survey results show that the top three mobile payment usage rates of mobile phone recharge, mobile banking and shopping payment accounted for 55%, 48.9% and 46.9% respectively. Overall, mobile finance has become more and more dominant, even surpassing entertainment and livelihood payments. According to industry insiders, as of the end of 2013, the number of smartphones in China has reached 580 million, which provides a guarantee for the high growth of mobile payment. More and more users are gradually getting used to paying with mobile phones. Secondly, the arrival of 3G and 4G has further expanded the market scale of mobile payment, and the industry is expected to continue to maintain high growth rate. < Multi-party wrestling Two big cockroaches occupy nearly 90% of the share The rapid growth of mobile payments in the first quarter is not unrelated to the taxi fight that began last year. The four-month taxi software subsidy war is that Alipay and WeChat are fighting for the mobile payment market. The data shows that in the first quarter of this year, the transaction volume of mobile payment (excluding SMS payment) in China's third-party payment market increased by 110.5% compared with the fourth quarter of last year. Tencent’s Tenpay has officially risen to the second place in the market, and Alipay, which has a market share of 77.83%, together accounts for nearly 90% of the country’s market share. At present, mobile payment has become the focus of public enterprises. So far, there have been many commercial banks such as Pudong Development, China Merchants Bank, CITIC, and Guangfa, which have entered the mobile payment field. Mobile, telecommunications and China Unicom have also entered the market. In order to grab mobile payment positions, China UnionPay announced on the 27th that it has invested hundreds of millions of yuan to launch the first "UnionPay 62 Children's Consumption Festival" nationwide and to seize more market share on the online "paying big money" Alipay. According to reports, consumers only need to download the "UnionPay Wallet" APP and bind the bank card. The coupon use and credit card payment are fully realized. There is no need to present the coupon when the card is swiped, which will completely change the consumer's use of the coupon. habit. Alipay has not slackened, and is vigorously developing mobile products, just announced a free WiFi plan a week ago. Through this program, Alipay will use the "Alipay Wallet" channel to help users access the Internet and save traffic anytime, anywhere, hoping to seize the increasingly important O2O service portal. The future is imaginative. The coin disappears and the banknotes are lying in the wallet. The Yangzi Evening News reporter learned that cities such as Nanjing and Suzhou in Jiangsu Province have started mobile payment earlier. At present, 70% of POS machines in Nanjing have been transformed to support mobile phones. These merchants are mainly shopping malls and supermarkets. As an entry point for convenience finance, Nanjing has previously selected two farmer's markets to conduct mobile phone pilots. “Mobile payment is more suitable for the fast-moving industry.†According to relevant sources at the Nanjing Branch of China Merchants Bank, “such as McDonald’s, KFC, tea shop, etc., the single amount is small, and the speed requirement is relatively high. Undoubtedly, the mobile wallet is stirring your life. In the interview, the reporter found that the huge lottery group buys lottery tickets as an example. WeChat binds the bank card, and it takes less than one minute every day to buy the lottery ticket, and can get the winning result in time. Once the prize is won, the money can be paid. Go to the card. Some netizens ridiculed that the coin will disappear in the future, because the payment of the change can be done by the mobile phone, and the banknote lies in the wallet and sleeps. Ma Mingzhe, chairman of Ping An Group, also publicly pointed out that mobile phones and other devices will further replace credit cards and replace cash. 60% of cash and credit cards will be replaced within 10 years; within 15 years, the front desk of most small and medium-sized financial institutions will be completed by Internet companies. . Go shopping, your favorite clothes may actively remind you, it is nearby, shaking the phone, you can pay, bring a mobile phone to eat and go shopping, Wanqing consulting CEO Lu Zhenwang said that the future online and offline further Integration is an inevitable trend. For example, everyone will have a cloud tag; if you are touched by a hotel or mall, you will adjust the external environment according to your preferences, push your favorite brand, and realize what you think in reality. 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