With the continuous development of information technology, mobile payment has penetrated into all areas of life and has become a major change in social consumer behavior. With the widespread application of biometric technology in the payment field, future mobile payments will be more secure and smarter. However, safety issues and regulatory issues brought about by the development of innovative technologies must also be taken seriously.
In recent years, with the promotion and popularization of smart phones, mobile payment services have developed rapidly. According to the data of iResearch, in 2018, the scale of third-party mobile payment transactions in China reached 190.5 trillion yuan, a year-on-year growth rate of 58.4%, ranking first in the world. Mobile payment products have developed from traditional remote payment, QR code payment, and NFC near-field payment to facial payment, sonic payment, etc. Payment methods have also formed a diversified pattern of in-store payment, online payment, operator's agency fee, mobile POS payment, and electronic wallet payment.
People's habit of using mobile payment in daily life has been developed, the penetration rate of third-party mobile payment has reached a high level, the era of exponential growth of the market has ended, and it has officially entered a stage of steady development. Currently, mobile payment companies are actively deploying overseas markets, and China Mobile Payment will lead the development of global payments. Face-swiping payment, smart medical care, smart campus, smart bank, catering, supermarket, hotel, non-sense parking lot, various scene solutions, software customization development, payment equipment wholesale, please Baidu "Zhangyou Electronic Wei" for details
Mobile payment will enter the era of biometrics. Biometrics technology has a fast, safe and auxiliary role in identity authentication for financial payments. With the continuous advancement of technology, biometric technologies such as face, voiceprint, fingerprint, palmprint, iris, vein, etc. will be popularized and applied in the field of financial payment. At the same time, software-based biometric technology will rise. Software-driven facial, voice and behavior recognition will allow cloud-based verification to operate passively. In the future, more smartphones will use this technology.
Payment products are more secure and intelligent. With the accelerated integration of financial technology and mobile payment, innovative payment authentication technologies that include biometrics and multi-dimensional cross-combination will be widely used, which will replace scan-code payments and payment technologies will be more secure. The combination of big data, cloud computing, blockchain and other technological means with mobile payment is accelerated, and the autonomy and convenience of mobile payment will achieve a qualitative leap. Personalized mobile payment products and intimate comprehensive service capabilities will become merchants' choice of payment The main consideration for service providers is that payment products will be more personalized and intelligent.
Mobile payment technology will promote payment integration. Payment account integration. Single-card multi-account and multi-card multi-account bring inconvenience to consumers. In the future, smart terminals will be used as the entrance to various payment tools to realize the integration of payment accounts. Integration of payment instruments. As the mobile payment scenario continues to grow, the boundaries between online and offline will be broken, deep integration will be achieved, and consumer experience will tend to be unified. Fusion of transaction information. The traditional status quo of information fragmentation based on geographic location and industrial chain will be broken, information and information channels will be further connected, and the real big data era will come.