Operators to carry commercial banks of financial information distribution market – operators, commercial banking, financial information – network communications industry
To the terminal from the network, telecom operators and banks created almost a combination of a new era. Through the telecommunications industry and Financial Industry, this integration, the new payment method can be more efficient penetration into people's lives, the new concept of consumption will be gradually formed. This Cooperation Benefit both sides are quite good in a "marriage."
Olive branch banks Banking to telecom operators once again offered an olive branch. United Commercial Bank of China Union Pay recently, mobile communications operators, Mobile Manufacturers, to jointly set up mobile payment industry alliance. Traditional electronic payment extension to mobile payments market is being bigger and bigger cake.
It is understood that the first member to join industry alliance, including Industrial and Commercial Bank of China, Agricultural Bank, Construction Bank, Bank of Communications and other national and 18 regional commercial banks, as well as China Telecom , China Unicom's two mobile communications operators, including Nokia, Lenovo and other handset manufacturers, and several smart card and security chip vendors, receiving terminal manufacturers, system integrators, research institutions and other relevant agencies to join them.
5 10, China Unicom and Bank of China signed in Beijing a comprehensive strategic cooperation agreement, the formal establishment of strategic partnership. This same time, China Unicom has also reached a strategic cooperation with China Ping An, the two sides will be the basis of communications services, industry applications, cooperative development, financing and insurance, combined Marketing Deepening the areas of strategic cooperation, the establishment of a close partnership.
Between telecom operators and banks began to sound more and more collaboration and cooperation are increasingly fast pace. China Telecom has launched in many cities started a cooperation with the Consortium of electronic payments. According to China Telecom said the company has with the Bank of China, Construction Bank, Industrial and Commercial Bank of China to achieve cooperation and other preferences for co-operation in Ningbo and Bank of China, the pilot, set up a joint project team. China Telecom to launch the "Wings to pay" phone card enterprises will be integrated schools, bus cards, trade cards, bank cards and other various applications, provide users with convenient, fast and comprehensive mobile payment service.
Electronic payment of cake Already become a mobile payment service providers and banks in the eyes of the big cake. From Analysys International's survey data showed that as at the end of February 2010, China has more than 750 million mobile phone users, is the world's largest mobile Communications market , 200 million mobile Internet are also breaking the scale predicted by the end of 2010 will exceed 300,000,000.
Experiencing rapid growth in the communications industry, while the banking sector to produce a high score transcripts. 2009 commercial break 2 million cards, networking, POS terminals exceeding 4 million units. Which in 2009 paid 26.6 billion third-party mobile phone data was the development of mobile payment industry has done an excellent footnote.
School of Economics and Management, Nanjing University of Posts and Wang Kai believes that mobile operators will pay off competition in the field of enthusiasm, "as 3G Technology, in-depth application of mobile communications, Internet, transaction and payment capabilities gradually demonstrated to accelerate the financial payment industry and cross-industry integration of communication services. "It is the slow progress of 3G phones had made advance payments into the growth phase, as at the end of 2009 China's 3G subscribers has more than 13.25 million, and still maintain a rapid growth momentum.
Merchants Bank president Ma Weihua said the mobile payment is the inevitable trend of future development, China Merchants Bank are also being explored with the operators. China Merchants Bank to carry out this business of the most important advantage is its customer mix. In his view, China Merchants Bank's customer base will accept mobile payment ratio may be the highest in the banking industry.
Electronic payment, especially mobile payment has become today's new favorite. This is also the telecom operators have work phone banks to pay reasons.
The one hand, as new applications and services for mobile operators pay to attract more new users, but also the development of electronic payment information for upgrading the banking sector, which undoubtedly is a great opportunity for development of major clients; On the other hand, for the banking industry, they have increased consumption, while expanding the scale of pay networks and industrial upgrading earlier arrival is not a bad thing, not to mention the dominant force for the industry chain will also be gradually strengthen such cooperation.
Different industry to seek breakthrough But China Mobile in the new alliance did not occur. But that does not mean that there will be no cake this first "elephant" of copies.
In March this year, China Mobile confirmed to 39.8 billion yuan on the heavily subscribed 20% stake in Pudong Development Bank, Shanghai Pudong Development Bank to become the second largest shareholder, but does not participate in the daily banking operations, and this transaction has been approved by both boards of directors . For such shares, the investment bank widely speculated that China Mobile is to expand the site in the electronic payment market.
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