艾媒报告|2019上半年中国移动支付行业研究报告

有您的支持，我们的分析师会做的更好 ！

本报告研究涉及企业/品牌/案例：华为钱包，微信支付，京东，苏宁支付，华为钱包，口碑支付，QQ钱包，翼支付，美团收款，百度钱包，银联云闪付,壹钱包，花呗，腾讯金融，淘票票，余额宝，蚂蚁森林，蚂蚁庄园，摩拜

2019上半年中国移动支付交易规模达到166.1万亿元，较2018年上升24.2%，增长势头重回正轨。中国移动支付市场竞争格局主要分为两个梯队，第一梯队是支付宝和财付通，因其先发优势占据市场；第二梯队以苏宁支付、云联闪支付为代表，其产品格局特点，具有忠实用户群体。C端支付市场区域饱和，逐渐朝向场景垂直化、服务多元化精细化方向发展，而B端市场竞争加剧。iiMedia Research（艾媒咨询）数据显示，2018年中国实有各类市场主体11020万户，其中个体工商户7328.6万户，大量市场主体对于移动支付B端服务的需求，带动移动支付B端市场的发展。移动支付平台主要从大数据云计算等基础能力、平台发展运营能力和金融能力三方面赋能商家。受访商家偏好接入的移动支付产品主要是支付宝和微信支付两大巨头产品，具有银联背景的云闪付排名第三，占比达35.6%。主流支付平台不仅赋能B端，更进军海外市场，支付宝、微信支付、苏宁支付纷纷布局跨境支付市场。未来，跨境业务发展成必然趋势，移动支付开始向全球发展。

In the first half of 2019, the scale of China mobile payment transactions reached 166.1 trillion yuan, up 24.2% from 2018, and the growth momentum is back on track. China mobile payment market competition pattern is mainly divided into two echelons, the first tier is Alipay and Tenpay, because of its first advantage to occupy the market; the second tier is represented by Suning Pay and cloud joint flash payment, and its product pattern features have a loyal user group. The ‘To C’ payment market is saturated in the region, and gradually tends to verticalize the scene and refine the service diversification, while the ‘To B’ market competition intensifies. As the data of iiMedia Research showed, there are 11.2 million market entities in China in 2018, including 73.286 million individual businesses entities. A large number of market entities' demand for mobile payment ‘To B’ services drives the development of mobile payment B-terminal market. Mobile payment platform mainly includes three aspects: basic capabilities such as big data cloud computing, platform development and operation capabilities and financial capabilities. The mobile payment products that the respondents preferred to access were mainly the products of the two giants, Alipay and WeChat Pay. The Yunshanfu with the UnionPay background ranked third, accounting for 35.6%. The mainstream payment platform not only empowers the merchants, but also goes overseas, and Alipay, WeChat Pay and Suning pay have arranged the cross-border payment market. In the future, cross-border business will become an inevitable trend, and mobile payment will begin to develop globally.