The development of mobile payment has four major trends: the O2O model will be popularized in the next year.

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In the afternoon of December 10th (Yang Xiao), at the "2013 Fourth China Mobile Payment Industry Annual Meeting" held today, Xu Jinyao, the chief engineer of China UnionPay Mobile Payment Department, said that the cumulative number of bank cards issued has exceeded 3.6 billion so far. Zhang, the number of bank card-based cross-bank business consumption has increased by more than 20%, and the penetration rate of bank cards has exceeded 47% nationwide, and even more than 70%.
Mobile payment is an expansion and innovation of bank card payment. To this end, Xu Jinyao pointed out that China UnionPay has continuously promoted the construction of mobile payment standard system to ensure the orderly development of the industry; built two mobile payment product systems to provide quality services; Online and offline business districts to optimize the industrial environment.
According to Xu Jinyao, online banking circles, China UnionPay on the one hand to increase public business access, on the other hand to increase POS mobile e-commerce, access to 180 high-quality e-commerce, and basically cover the embedded browser payment integration. In the online business district, China UnionPay and related institutions have completed 120 demonstration business districts, and the cumulative transformation has reached 1.47 million POS machines (http://).
For the future development of mobile payment, Xu Jinyao said that there will be four trends: the O2O model combined with QR code and electronic coupons will be popularized in the next year; P2P transfer mode will become an important financial application; Financial services for individuals will continue to deepen; mobile payments will evolve in tandem with e-commerce.

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