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随着近年来智能手机的普及和对NFC技术支持和其他相关基础设施及法律法规的完善,手机支付在国内已经开始进入高速增长期。本文通过选取我国手机支付试点城市宁波市的手机用户运用手机支付的相关情况开展调研,根据所获相关数据和信息,并结合文献研究,实证分析现阶段宁波手机支付的开展情况,发现出中国手机支付现处于公众认知度高,但低使用度低的现状,而手机支付平台发展部平衡、业务标准不统一及兼容性缺陷是阻碍目前手机支付发展的主要问题。针对现状与面临的困境,结合国内外手机支付相关文献研究和国外手机支付发展经验的借鉴,提出了使得在手机支付市场能够稳健、快速发展的发展建议。
With the popularization of smartphones and the improvement of NFC technology and other related infrastructure and laws and regulations in recent years, mobile payment has begun to enter a period of rapid growth in China. Based on the relevant data and information obtained and the literature review, this paper empirically analyzes the development of mobile payment in Ningbo at this stage and finds out that the mobile phone users in China Payments are now in the public awareness of the low use of low status quo, while the development of the mobile payment platform balance, business standards are not unified and compatibility flaws hinder the development of mobile payment currently the main problem. In view of the status quo and the dilemma faced, combined with the domestic and foreign mobile phone payment related literature research and foreign mobile payment development experience for reference, put forward in the mobile payment market to make steady and rapid development suggestions.