Most of the colleagues in the payment industry are clear that NFC payments have been controversial since the day of their birth. No matter from technical standards or competition for interests, opinions are not uniform. Since June 21, 2012, China Mobile announced that it will cooperate with UnionPay. In the future, it will launch mobile payment services based on the 13.56MHz standard and the international mainstream solution NFC-SWP. After the technical standards and solutions are put to the ground, the three major operations in 2013 will be carried out. Merchants UnionPay, banks, public transport, mobile phone manufacturers, chip manufacturers, platform manufacturers have launched mobile phone wallet business based on NFC near field payment. So far, the competition has ended in the past three years, and the industrial chain has ushered in a spring, which coincides with the rapid development of the mobile Internet. The mobile near-field payment has been pushed to an all-time high. With the People's Bank of China issued the "Knowledge Opinions on the Development of Mobile Payment Services" on March 19, 2014, the company was encouraged to develop NFC mobile payment applications while stopping the payment of QR codes. So far NFC near-field payment ushered in spring. .
I have the privilege to participate in the whole process of research and development of a carrier's NFC mobile wallet, and more or less experience, so I want to use the operator's vision to look at the development of the entire NFC near-field payment industry; with my personal understanding, elaborate The significance of operators doing NFC near-field payment mobile wallet products. Before writing this article, I was also fortunate to have a conversation with Tigerwang, a senior leader of a certain operator. He gave me a lot of perspectives and I shared them with you.
First, NFC near-field payment is not the same in China. It cannot be viewed from the perspective of one year ago. The support of the policy and the coordination of the industrial chain are helping to add NFC payment.
Let's first look at some of the big data: 
The above data shows that the existing NFC payment is moving in one direction. UnionPay, banks, operators, mobile phone manufacturers, chip manufacturers, and public transportation departments are uniting to promote the development of the entire NFC payment industry.
2. It is impossible for any party to dominate the development of NFC near-field payment.
It is impossible for any party in the industrial chain to dominate the development of NFC near-field payment. Everyone will work together to jointly change and facilitate the consumption habits of the Chinese people, and jointly promote the development of the domestic NFC payment industry. Why can't it be dominant, because there are two main difficulties in NFC near-field payment: one is that the terminal in the user's hand should support NFC, and the other is that the receiving environment is better, such as bus and bank POS.
First of all, look at mobile phone manufacturers, mobile phone manufacturers only provide terminals, and it is not possible to form the entire interest chain. Mobile phone manufacturers launch NFC-enabled mobile phones to meet the needs of operators on the one hand, and as a powerful function selling point of mobile phones, to realize the overall mobile phone. The growth of benefits.
Second, let's see why operators can't dominate. The operator does not have both the terminal and the receiving environment. There is only one SIM card carrying the SE. Of course, it is not the dominant. The role of the operator in the entire industry chain is to integrate resources, so as to provide more valuable services for mobile phone users. .
Let's look at UnionPay and the bank. They can't lead because they can only solve the POS environment. Some people may ask why UnionPay and banks can't dominate and play NFC with you. I think there are two main aspects. On the one hand, domestic commercial banks are seeking technology and business innovation to increase the amount of card issuance, just NFC near-field payment caters to Their needs; on the other hand, domestic banks are affected by mobile internet payments and have to use NFC near-field payments to consolidate decades of positions based on traditional acquiring services.
The bus line will not dominate. The bus industry can only use the existing new NFC technology and mobile Internet technology to make NFC near-field payment a strong complement to the physical card to promote the issuance of interconnected cards.
Based on the above analysis, mobile phone manufacturers, operators, UnionPay and banks are unlikely to dominate the development of NFC near-field payment. Any party can only push NFC near-field payment to the edge of failure.
Third, the significance and difficulty of operators to do NFC near-field payment
As we all know, in 2013, the three major domestic operators launched mobile wallet products based on NFC near-field payment technology. The products are mainly located in: NFC-SWP card as the security carrier, multi-application download management platform (TSM platform) as the security support, mobile phone wallet client as the display form of the product, focusing on the realization of various types of near-field card payment, identification Service, a comprehensive payment service that meets the needs of users for various consumer transactions.
Then we will analyze the significance of operators doing NFC near-field payment, mainly:
1. Due to the impact of the macroeconomic environment, the communications industry has entered an adjustment period. With the issuance of 3G and 4G licenses, the competition for full-service business has become increasingly hot, and the impact from emerging Internet companies has become increasingly apparent. The daily behavior of users is inseparable from payment, and the development of mobile phone near-field payment has become an exploration of operators for new business models.
2. The most important significance for operators to develop NFC near-field payment is to increase user stickiness. It is the most effective means of “bundling†users. In the short run, the business itself is difficult to make profit, but in the long run, it is based on the development of users based on scale. , gradually will bring new points of interest growth.
3. Operators have been developing smart cities in recent years. NFC technology can carry the contents of some smart cities. Operators use mobile wallets to test water and gradually enrich the content of smart cities.
There are three main difficulties for operators to make NFC near-field payments:
1. From internal resistance, the organization structure of operators is huge, and there are too many transactional tasks that need to be coordinated by various departments and units, and the pace of various tasks is slow.
2. The data and number of mobile terminal terminals restrict the development of NFC mobile wallet: At present, although operators require NFC as standard on 4G mobile phones, the number and number of 4G mobile phones are small, which is insufficient to meet the current development of NFC payment.
3. Acceptance environment: The acceptance environment is pinned on the POS of the UnionPay and the equipment of the bus company. At present, UnionPay is accelerating the pace of transformation, the bus system is relatively complicated, the transformation is relatively slow and the cost is high, which restricts the development of NFC payment.
NFC near-field payment will be another powerful electronic currency form following bank cards and third-party payment accounts.
Why is NFC near-field payment another powerful electronic currency form after bank card and third-party payment account? There are three main points:
1. The issuance of the first electronic money card “Bank Bank Card†issued by the Bank of China in June 1985 showed that the emergence of electronic money is a product of an era, and electronic money is a powerful complement to paper currency.
2. Electronic money affects consumer behavior and cannot replace paper currency in the short term, but in the long run, the popularity of electronic money will become mainstream.
3. NFC near-field payment integrates the interests of various industrial chains, and has the functions of security and convenience, which are in line with the characteristics of electronic money, and is bound to become another powerful electronic money form in the future.
Fourth, written at the end
The opportunity of NFC near-field payment in the Chinese market is gradually showing. The main reason is that the NFC mobile phone has a reading mode that can be used as a POS machine. The mobile payment function can be used as a card to brush, and can also perform peer-to-peer communication like Bluetooth. For the industrial chain, the policy is favorable, the market demand will bring about industry changes, and it will become the new Nugget Point of the enterprise. In the future, the NFC industry will gain new development in the Chinese market and will accelerate the competition in the domestic mobile payment market. Bring people more convenient payment methods.
We firmly believe that the future is bright and the road is tortuous. Operators need to define their strategic direction. From the top to the employees, they fully understand the difficulties in NFC's progress, distinguish the obstacles that are insurmountable, those that we must solve, step by step, and do not advance. Not pessimistic, we always believe that NFC near-field payment in China, in the near future, like the mobile Internet, will take root, will sprout, grow, and grow!
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