• 内刊赠阅
  • |
  • |
  • 行业内参
  • |
  • 帮助中心
  • |
  • 关于我们
  • |
注 册
中国+86
  • +123
  • +125
  • +666
  • +666
  • +555555
  • +666
  • +666
  • +666
请输入真实手机号
请输入图片验证码
请输入短信验证码
请输入密码

已有账号,

忘记密码
中国+86
  • +123
  • +125
  • +666
  • +666
  • +555555
  • +666
  • +666
  • +666
请输入真实手机号
请输入图片验证码
请输入短信验证码
请输入新密码

已有账号,

关于“移动支付”的报告

本报告研究涉及企业/品牌/案例:华为钱包、美团支付。

随着数字化转型的加速和移动支付技术的发展创新,移动支付逐渐成为社会主流支付模式。数据显示,2019年中国移动支付用户规模为7.33亿人,市场渗透率不断加大,预计2020年规模将达7.90亿人。在新冠疫情的影响下,中国移动支付交易规模增速明显下降,2020年第一季度交易规模为90.8万亿元,同比增速4.8%,但长期来看消费服务线上化将促进规模持续增长。iiMedia Research(艾媒咨询)数据显示,中国移动支付平台用户最常使用移动支付平台的三个场景分别为餐饮消费、小型实体店/便利店消费和电商平台网购,移动支付场景呈现细分多元化发展。在选择移动支付平台时,62.4%的用户优先考虑支付便捷性,提供高效便捷的服务成为移动支付平台发展的关键。

With the acceleration of digital transformation and the development and innovation of mobile payment technology, mobile payment has gradually become the mainstream payment mode in society. Data shows that in 2019, the scale of mobile payment users in China was 733 million, and the market penetration rate is increasing. It is expected that the scale will reach 790 million in 2020. Under the influence of the COVID-19, the growth rate of China mobile payment transaction scale has dropped significantly. In the first quarter of 2020, the transaction scale was 90.8 trillion yuan, with a year-on-year growth rate of 4.8%, but in the long run, consumption and services to online will promote continuous growth in scale. As the data of iiMedia Research showed, the three most common payment scenarios of China mobile payment platform users are catering consumption, small physical store/convenience store consumption, and online shopping on e-commerce platforms. The mobile payment scenario presents a segmented and diversified development. When choosing a mobile payment platform, 62.4% of users give priority to payment convenience. Providing efficient and convenient services has become the key to the mobile payment platforms development.

本报告研究涉及企业/品牌/案例:支付宝、PayPal、拉卡拉、Square。

中美第三方支付产业主要由转接清算组织、账户侧支付机构、收单侧支付机构以及软硬件供应商构成,产业规模效应明显,部分环节已经形成寡头竞争甚至垄断格局。受制于监管政策以及市场成熟度的影响,中美第三方支付产业在账户侧市场以及收单侧市场的差异尤为明显。技术创新助推移动支付成为市场主流,2019年中美移动支付用户规模分别为7.33亿人和0.64亿人,市场渗透率相差较大。中国移动支付在账户侧市场已经形成寡头存量争夺局面,需要靠扩大场景覆盖以及业务创新来驱动发展;美国移动支付账户侧市场发展较慢仍处于扩张阶段。在收单侧市场,具备长尾效应的中小商户成为中美收单侧支付机构争夺的焦点,围绕支付业务向商户提供一站式支付解决方案是未来趋势。艾媒咨询分析师认为,在全球数字化发展的浪潮中,支付机构的赋能作用以及价值创造能力将进一步提升,尤其在商户服务领域,围绕支付业务打造闭环服务生态具有巨大增长潜力,以Square和拉卡拉为代表的先行者发展前景广阔。

The third-party payment industries in China and in the United States are mainly composed of payment and settlement organizations, account-side payment institutions, acquirer-side payment institutions, and software and hardware suppliers. The industry scale effect is obvious, and oligopoly and even monopoly have appeared in some links of the industry. Due to the influence of regulatory policies and market maturity, the differences between the Chinese and American third-party payment industries in the account-side market and the acquiring-side market are particularly obvious. Technological innovation has promoted mobile payment to become the mainstream of the market. In 2019, the scales of mobile payment users in China and in the United States were 733 million and 64 million, and the market penetration rate is quite different. Oligopoly has already appeared in China's mobile payment in the account-side market, and Chinese market needs to rely on expanding scenario coverage and business innovation to drive development; the US mobile payment account-side market is slow to develop and is still in the expansion stage. In the acquiring-side market, small and medium-sized merchants with long-tail effects have become the focus of competition among Chinese and American acquiring-side payment institutions. It is the future trend to provide merchants with one-stop payment solutions around payment services. iiMedia Consulting analyst believes that in the wave of global digital development, the enabling role and value creation capabilities of payment institutions will be further improved, especially in the field of merchant services. Building a closed-loop service ecosystem around payment businesses has huge growth potential. The pioneers represented by Lakala and Square has broad prospects for development.

本报告研究涉及企业/品牌/案例:支付宝,微信支付,苏宁支付;其他提及企业/品牌:拉卡拉,中国银行,工商银行,中国农行,中国建行,招商银行,交通银行,中国邮政储蓄银行,平安银行,刷脸支付

iiMedia Research(艾媒咨询)数据显示,中国移动支付交易规模在2019年第三季度已经达到252.2万亿元,用户规模在年底预计超过7.3亿人,覆盖更多层级的用户,全国普及程度持续提高。中国移动支付行业正在往标准化和规范化发展,市场竞争加剧。随着人脸技术的成熟,刷脸支付加快普及,iiMedia Research(艾媒咨询)数据显示,预计到2019年刷脸支付用户规模将会达到1.18亿人。未来移动支付行业会更加规范化,市场逐渐下沉,细分化的支付场景和多元盈利模式将会成为移动支付行业新的发展入口。

As the data of iiMedia Research showed, the scale of China's mobile payment transactions has reached 252.2 trillion yuan in the third quarter of 2019, and the number of users is expected to exceed 730 million by the end of the year. The popularity of mobile payment in China is increasing and covering more levels of users. China's mobile payment industry is becoming more standardized, and market competition is intensifying. With the development of face perception technology, the popularity of face payment has increased, according to iiMedia Research by 2019, the number of face brush payment users will reach 118 million. In the future, the mobile payment industry will become more standardized and go towards to the market sinking. Segmented payment scenarios and diversified profit models will become the new development opporunity of the mobile payment industry.

本报告研究设计企业/品牌/案例:支付宝

2019年上半年移动支付交易规模达166.1万亿,在移动支付市场规模逐渐扩大以及人脸识别技术发展渐趋成熟的背景下,刷脸支付开始崭露头角。iiMedia Research(艾媒咨询)数据显示,预计2022年中国刷脸支付用户规模将超7.6亿人。刷脸支付的发展以及普及,对于用户、商家以及社会有着重要价值。对于用户而言,刷脸支付省时、便捷、体验好和能实现信息与交易安全保障。iiMedia Research(艾媒咨询)数据显示,受访用户对在流程耗时、便利程度、支付体验、交易安全和信息安全五个方面对刷脸支付的满意度分别为8.1、7.3、7.3、7.1和7.0,高于其他非现金支付方式的满意度。对于商家来说,刷脸支付赋能商家的经营发展,帮助他们改善排队效率、提高顾客好评率、提高竞争力和增加客流。九成的受访商家认可接入刷脸支付后,顾客排队效率和顾客好评的提升。刷脸支付的发展同时也带动着上下游产业的发展,促进硬件制造商、传感器制造商等新产业新职业就业的发展,为社会带来巨大价值。

In the first half of 2019, the transaction scale of mobile payment reached 166.1 trillion yuan. In the context of the gradual expansion of the mobile payment market and the gradual maturity of face recognition technology, the face-scanning payment has begun to emerge. As the data of iiMedia Research showed, it is estimated that the scale of users of face-scanning payment in China will exceed 760 million in 2022. The development and popularity of face-scanning payment is of great value to users, corporate and society. For the user, the face-scanning payment saves time, is convenient, and ensures information and transaction security. As the data of iiMedia Research showed, the respondents' satisfaction with the face-scanning payment in terms of spending time, convenience, payment experience, transaction security and information security are 8.1, 7.3, 7.3, 7.1 and 7.0, higher than other non-cash payment methods. For merchants, the face-scanning payment empowers their management, helping them improve queue efficiency, improve customer feedback, improve competitiveness and increase customer flow. Ninety percent of the surveyed merchants recognized the increase in customer queuing efficiency and customer praise after accessing the face-scanning payment. The development of the face-scanning payment also drives the development of upstream and downstream industries, and promotes the development of new occupations and employment in new industries such as hardware manufacturers and sensor manufacturers, bringing great value to the society.

本报告研究涉及企业/案例/品牌:拉卡拉,苏宁支付,易宝支付,银联商务,通联支付,瑞银信,随行付,银盛支付

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,其中个体工商户规模超7000万户,庞大的企业市场主体催生了支付机构服务B端的巨大市场。而针对B端支付的业务中,收单业务成为第三方B端支付企业重点挖掘的对象。截至2019上半年,中国联网POS机已达3287.3万台,每万人对应POS机235.6台。小微商户除了收单业务外,对于营销、财务管理等服务也具有较高的使用需求。iiMedia Research(艾媒咨询)数据显示,85.4%的受访商户表示会关注第三方支付平台增值服务的提供情况。但受限于经营体量,它们难以开发相关业务系统或寻找适合的服务渠道。而第三方B端支付平台也开始以支付为切口,为小微商户提供增值服务,以更好地赋能商户经营。

As the data of iiMedia Research showed, there were 110.2 million market entities in China in 2018, of which more than 70 million businesses were self-employed, and the huge market participants gave birth to a huge market for payment institutes to serve merchants. Among all the business for merchant payments, receipt business becomes the focus of third-party merchant payment enterprises. As of the first half of 2019, the connect POS has reached 32.873 million units, with 235.6 POS per 10000 people. In addition to receipt business, small and micro enterprises also have a high demand for marketing, financial management and other services. As the data of iiMedia Research showed, 85.4% of the interviewed enterprises expressed concern about the value-added services provided by the third-party payment platforms. However, limited by their business volume, it is difficult for them to develop relevant business systems of find suitable service channels. The third-party merchant payment platform has begun to take payment as a starting point to provide value-added services for small and micro enterprises, in order to better enable enterprises to operate.

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.

本报告研究涉及企业/品牌包括:拉卡拉、联想控股、微信、支付宝、VISA、西藏旅游、考拉金服、财付通、银联商务、通联支付、汇付天下、国付宝、智付、杉德支付、联动优势、银盛支付、卡友支付、付临门支付、随行付、易生支付、北京爱农驿站、易宝支付

C端支付行业饱和,B端支付增速放缓。C端支付市场,支付宝、财付通双寡头格局形成。艾媒北极星系统显示2019年2月支付宝月活跃用户数高达55,651.99万,稳居第一地位,排名第二的翼支付仅有支付宝的1/7,排名第八的拉卡拉支付仅为支付宝1/813倍。B端支付市场方面,2018年联网POS机和银行卡联网商户数达2,733万台和3,451万户,同比增长9.49%和5.42%,增速有所下滑。同时,第三方支付行业政策趋严,2018年,央行对第三方支付违规处罚力度空前。第三方支付机构至少收到2.03亿元处罚。但随着行业逐步规范化,中小支付机构运作成本增大,行业资源将向更加规范的头部企业聚集,与其他体量较小的支付机构拉开差距。

C-end payment industry saturated, B-end payment growth slowed down. Alipay and Cai Fu Tong formed a duopoly pattern in the C payment market. Polaris System of iiMedia shows that the number of active users of Alipay in February 2019 has reached 556.52 million, ranking the first place. Second is Wing Payment accounting for only 1/7 of Alipay's, while the eighth ranked Lakala only 1/813 times of Alipay's. As for the B-end payment market, the number of online POS machines and bank cards reached 27.33 million and 34.51 million in 2018, an increase of 9.49% and 5.42% over the same period of last year, and the growth rate declined slightly. At the same time, the third-party payment industry policy has become stricter. In 2018, the central bank imposed unprecedented penalties on third-party payment violations. Third-party payment agencies received at least 203 million yuan in penalties. However, with the gradual standardization of the industry, the operating costs of small and medium-sized Payment institutions increase, and industry resources will gather to more standardized head enterprises, which will open the gap with other smaller payment institutions.

本报告研究涉及企业/品牌包括:eBay、MercadoLibre、亚马逊、全球速卖通、网易考拉、万科物流、小红书、唯品会、海囤全球、天猫国际、京东、苏宁、阿里巴巴、蜜芽、洋码头、达令、淘宝网、支付宝、微信支付、顺丰菜鸟网络

2018年,全球跨境电商行业迎来利好,iiMedia Research(艾媒咨询)数据显示,2018年全球B2C跨境电商交易规模达到6760亿元,同比去年增长27.5%,全球跨境网购普及率达51.2%。进博会及相关政策出台促进中国跨境电商发展,中国跨境电商交易规模达到9.1万亿元,用户规模超1亿。超五成用户每月购物一次,高频次海淘购物为跨境电商企业带来更多发展机遇。

Since 2018, the global cross-border e-commerce industry has continued to develop. According to iiMedia Research, the global B2C cross-border e-commerce transaction scale increased by 27.5% year-on-year in 2018. It is expected to exceed 800 billion US dollars in 2019. The penetration rate of online shopping has reached 51.2%, and the proportion of consumers who use cross-border e-commerce for online shopping accounts for 70% of online shoppers in the Middle East. Apparel, shoes and hats are the most popular category for consumers to purchase through cross-border e-commerce. Western Europe is largest e-commerce market in Europe, with the highest penetration rate among cross-border online shopping in the Macedonian region and Portugal in Europe. Cross-border e-commerce accounts for 25% of the Australian e-commerce market, and Australian online shoppers prefer cross-border purchases of products from American and the UK. In Latin America, the development of e-commerce in Brazil is relatively mature, and the e-commerce in Argentina is developing rapidly. In 2018, the CIIE and related policies promoted the development of cross-border e-commerce in China. The scale of cross-border e-commerce transactions in China reached 9.1 trillion yuan, and the scale of users exceeded 100 million. In 2018, 30.7% of cross-border e-commerce users buy foreign products online because of the good quality, which was 7.8% higher than the first half of 2018. Over 50% of users purchased once a month. iiMedia Research analysts believe that quality is increasingly valued by cross-border e-commerce users, users' demand for high-quality products is gradually increasing, and high-frequency overseas online shopping brings more development opportunities for cross-border e-commerce companies.

本报告研究涉及企业/品牌包括:小区乐、你我您、石荟团、食享会、呆萝卜、邻邻壹、考拉精选、虫妈邻里团、小美鲜生、兴盛优选、每日一淘、兴盛优选、微信支付、有赞、蓝店、顺丰速运、德邦物流、货拉拉、生鲜传奇、阿里巴巴、拼多多

iiMedia Research(艾媒咨询)数据显示,2018年中国通过小程序购物的用户规模达1.32亿人,小程序开启电商模式,助推社区团购爆发。社区具备“物以类聚人以群分”特性的生活场景,可以方便掌握某个群体生活特性和消费习惯,有利于社区团购企业锁定目标消费人群。然而,团长易流失,产品质量难以标准化,产品同质化问题严重,场景有限和门槛不高这些因素制约社区团购行业进一步发展。

Community Groupon is a form of Spell Shopping. Spell Shopping make use of the social + groupon mode to quickly obtain traffic for merchants. Community Groupon further applies the mode of Spell Shopping to the community scene. According to iiMedia Research, the number of Spell Shopping users in China reached 332 million in 2018. The potential user scale of Community Groupon is huge. Community Groupon meets the needs of consumption classification and stratification, satisfies the pursuit of cost performance of some consumers and complies with shopping socialization trend. In essence, the outbreak of Community Groupon mode is the innovation of fresh food sales channel mode through e-commerce.

没找到想要的报告?

没有你想要的报告?立即告诉我们!

提交报告反馈

在线
客服