The Research On Comercial Mode Of Mobile Payment

Paying by mobile phone is one of the main paying methods for mobile-commerce. It not only permits customers to do business more freely, but also improve corporations' benefits. It has a bright prospect.After several years' development, China has a good environment to develop mobile payment. There are 388 million mobile customers, 700 million bank cards. The market is being bigger and bigger.Since being tried in 2002, paying by mobile phone developed slowly until 2004. From 2004 to now, mobile operators quicken their steps to enter the market and enhance the research on mobile payment Some third party mobile payment operators' services increase smoothly too. These help the mobile payment expand to more provinces. And these also give more chances for the partners to cooperation in value chain.However, we should realize that, mobile payment is in junior phase in China. Its definition, boundary and technology methods are still blurry. And its credit safe, commercial mode should be researched. To dig this gold mine, we need to research the value-chain of mobile payment, find the key factors which influence the development of mobile payment, sequentially, build a commercial mode which is fit for traits of Chinese market.There are three main partners in the value chain of mobile payment: mobile operator, bank and third part service provider. They all have special resources. To promote the mobile payment they should divide the work in reason and cooperation nearly.This article combines the qualitative analysis and quantitative analysis. It...