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商业策略:加拿大移动支付业现状与未来走势

2014年7月29日,Reportbuyer.com发布了一份新的市场调查报告。 这份IDC金融洞察报告仔细检查了加拿大移动支付现状以及未来可能的发展走势。这份报告包含了对于17位分别来自金融机构、支付网络、移动网络运营商以及支付技术组织代表协会的主管和高管的采访内容。通过对移动支付可利用信息的全面分析,报告还提供了有关移动支付创始、发展进程和相关技术的详细信息。 报告里预测哪项技术和移动支付参与者最有可能获得成功,同时也认定了抑制移动支付增长的几个原因。移动支付利益相关者应该在实施移动支付过程时对需要考虑的推荐方法也有所提及。 当下,加拿大移动支付解决方案的实施尚少,因此对英国的移动支付解决方案实施情况进行了综述。这份分析为加拿大提供了一些可能解决方案的思路。 加拿大支付过程有严格的规定,加之大银行地位根深蒂固,想要进入这一行业的新人困难重重。加拿大政府宣布支付过程将要进行修订。这一修订对移动支付可能产生的影响也在文中有所分析。 根据预期,移动支付尚须三年才能进入成熟阶段,那时消费者很习惯使用手机在结账时进行支付,优先解决方案也已建立。此外,支付服务的主要提供者也会进行说明。 IDC金融洞察研究助理Robert Smythe 说,“由传统支付到移动支付的过渡时期也是移动设备愈发渗透人们生活的过程。移动支付提供商并不是移动系统的中心,他们所面临的风险是无法成为客户‘移动世界’相关因素的。”

July 29, 2014 -- Reportbuyer.com has added a new market research report.

This IDC Financial Insights report examines the current status of mobile payments in Canada and how they may evolve in the future. The report contains input obtained from interviews of 17 executives and senior managers in financial institutions, payment networks, mobile networks operators, and associations representing payment technology organizations. It also provides detailed information on mobile payment initiatives, processes, and technology that resulted from an extensive analysis of available information on mobile payments.

Predictions are made on which technologies and mobile payment participants are most likely to succeed. Factors that may inhibit the growth of mobile payments are also identified. Recommendations on approaches that mobile payment stakeholders should consider as they proceed with mobile payment implementations are included.

A review of mobile payment solutions being implemented in the United Kingdom was made as there are very few mobile payment solutions implemented in Canada at this time. This analysis provides some insight on the potential solutions that may be attempted in Canada.

Payment processes in Canada are heavily regulated. This along with the entrenched positions of the major banks results in significant barriers for new entrants. The Canadian government has stated that it will be reviewing payment processes. Some potential impacts on mobile payments resulting from this review have been identified.

It is anticipated that it will take about three years for mobile payments to reach a state of maturity where consumers become comfortable with using their mobile phones for payments at the point of sale, preferred solutions are established, and the dominant providers of payments services are identified.

"The transition to mobile payments is part of a much larger transition where the lives of individuals are becoming entwined with their mobile devices. Mobile payment providers that do not become a central part of this mobile ecosystem risk becoming an irrelevant part their clients' mobile world," says Robert Smythe, research associate, IDC Financial Insights.


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