|
| Mobile phone banking business abroad, the status quo and development trend |
| 2009/7/24 19:10:29 |
Abstract: In 2004, China Mobile Communications market data services, mobile banking is the focus of industry attention, the two domestic mobile operators move frequently, and continuously strengthen cooperation in this field penetration. Last year, the China Construction Bank and China Unicom launched BREW-based mobile banking platform, and China Mobile has further expanded the scope of mobile banking co-operation with China Industrial and Commercial Bank of China jointly launched a SMS-based mobile banking platform. In fact, the foreign mobile operator began very early on to explore mobile banking services, including Japan and South Korea developed rapidly in this area, and European and American mobile banking is lagging behind for various reasons.
★ Korea
South Korean mobile banking has been the formation of a certain size, according to South Korea in 2003 report provides data on the Internet showed that as at December 2002, Korea has 18 banks providing mobile banking services throughout the year at more than 1.09 million transactions, in 2002 only In September alone 90,000 times occurred in mobile banking transactions. Bank of Korea, according to the latest data show that in June 2004 in a total of 581,000 South Koreans use cell phones 400 million financial transactions. At present, all South Korean retail banks can offer mobile banking, more than 300,000 each month in the purchase of new mobile phone will choose to have a special memory card slot that can store information on banking transactions and information transactions Encryption . There are tens of thousands of homes in South Koreas restaurants and shops have read from the phone through the infrared terminal credit card information to credit card customers to avoid trouble.
August 2004, SKT launched a new "M-BANK" business, "M-BANK" mainly through the built-in smart mobile phone chip mobile phone to bank books, cash cards and Internet banking and other e-finance services. "M-BANK" is characterized by clearing the password information, and so they have a very high security. When the user use "M-BANK" to carry out mobile banking services such as remittances, enter the password, the password of the information fed back to the SKT for identification, and then spread to the credit card company to confirm the transaction.
Analysis: South Korean mobile banking business reasons for the rapid development of
South Korean mobile banking lies in the rapid development of the Korean banking sector to the mobile banking business very seriously. South Korea to provide all of the consumer financial services investment banks have mobile banking business, as there are more than 24 million online bank accounts. As the number of Korean mobile phones than people who own computers, and banks have been looking forward to mobile phone users use mobile banking into the ranks of the bank which will bring significant cost savings, because the mobile phone business is only required to spend the cost of face-to-face business 1 / 5. South Korean e-commerce sector Kookimin bank said, with a wide range of financial services to deal with mobile phone, the departments staff can focus on consulting or other higher value activities. At the same time, mobile operators have access to a new profit growth point: mobile phone users monthly to the mobile operator Mobile 0.7 U.S. dollars to pay bank service charges, together with operators and banks, the banks will be many potential customers into mobile communications users, as well as many bank branches can phones and related services to become the new point-of-sale, operators benefit.
December 2002, Korea has a 29 million mobile Internet users, so that the growth of mobile commerce market is 1.3 trillion won market. Mobile payment market in 2001 increased to ₩ 78,500,000,000 in 2002 ₩ 213,000,000,000. Table 2 shows that the South Korean mobile operator to introduce mobile payment services in statistics, from which we can see that the Korean market, the rapid development of mobile commerce track.
★ Japan
Bank of Japans mobile business development is characterized by the largest mobile operators in the industry chain in the use of dominant position, integrated terminal equipment manufacturers and providers of resources, joint bank to provide mobile banking business. NTT DoCoMo in order to facilitate the identification and use of consumer mobile data services to i-mode official website of the content and applications are classified, including mobile banking business is ranked in second place, the columns have a larger site, but traffic in relation to entertainment, games and ring tones / images for applications such as it is a very small download, which is in the business aspects of mobile Internet applications is still in the initial stage. NTT Data to create a data center, making the small banks can provide low-cost mobile banking business. Some banks in Japan through mobile phones allow users to handle all the business, such as cash transfers, but most banks have been functions of such restrictions, only allows users of mobile banking balance inquiries.
To further promote, including mobile banking, including the development of mobile commerce in 2004, NTT DoCoMo has PDC for its users and the introduction of FOMA users of non-contact IC based on the Felica smart chip business. To promote support for non-contact IC card "FeliCa" the popularity of mobile phones, in July 2004, NTT DoCoMo has launched a FeliCa reader program, which plans to launch FeliCa for support services manufacturers, NTTDoCoMo funded its 100 billion Yuan reader to assume the cost of such equipment. In return, NTT DoCoMo in accordance with a certain proportion, in accordance with FeliCa mobile phones part of the turnover of fees charged. In February this year, another Japanese mobile operator Vodafone KK (former J-Phone) has stated that it will introduce mobile FeliCa chip.
★ Europe and the United States
In Europe, the present study groups of mobile banking services mainly include the GSM Association, WAP Forum, UMTS Forum, Mobey Forum, Radicchio, PKI Forum. In fact, as early as the emergence of WAP technology, the European operators have been considering how to mobile communications and financial services together. Early European mobile banking business is mainly used in WAP mode, it is also known as "WAP Banking Service", but the early WAP did not reach the level of technical requirements, although with the GPRS network, but the terminal, business interoperability, operating models and prices, mobile banking has not developed very well, other WAP-related businesses have not been very good development. In contrast, less favored by the market as a result of easy-to-use text messages, interoperability has been the rapid development of strong. Now, with the European mobile communications industry as a whole the transition to 3G, picture download ringtones, MMS, streaming media, MP3 downloads and other applications of high-volume operators to promote business development and the focus of the rapid flow of data in order to upgrade the network to become profitable operators currently the most pressing needs, and for mobile banking, the European operator of the action in this area are not many. Situation in the United States and Europe is similar to the United States over the past two years the rapid escalation of mobile networks, mobile data services development is also changing, but the mobile Internet, pictures, download ringtones, PTT, MMS / SMS and streaming media is the focus of its business development, and therefore the field of mobile banking initiatives will not be too much. (Finance)
|
|
