Mobile payment
- Coevolution and coexistence
It coexists with offline payment and e-banking system.
- Metamorphosis
The methods of payment evolve from cash payment to e-banking payment, and then the mobile payment.
- Propagation
Mobile payment originally evolved from the transfer function of e-banking system. As its development, now it integrates multiple functions like QR code paying, financial services, and life services, etc.
- Survival
To compete with others and survive in the market, companies have to develop new functions to promote the mobile payment. For example, WeChat payment launched the lucky money function to promote the WeChat payment function, which has increased the market share of WeChat payment and attracted more users.
- Opportunity and need
The popularity of smartphones and the development of E-commerce have cultivated the habits of online shopping through mobile devices, which increased the needs of mobile payment.
- Delayed adoption
The concerns about security and credit issues make consumers hesitate to adopt this technology. However, the speed of penetration is fast. The majority adopters are young generation.
ZHU, Shiman(1155082207)
DAI, Zhuo (1155082025)
Zhang, Xiaoyi (1155081679)
HUANG, Lei (1155089311)
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