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随着社会经济高速发展,传统支付方式越来越受到挑战。在经济全球化和信息化的推动下,支付方式创新已悄然展开。在当今社会生活中,银行业信息化和虚拟化程度不断提升,电信业移动电话普及率日益提高,银行客户和电信用户的范围越来越重叠,更多的金融服务和交易依赖于银行与电信的紧密融合来实现。移动支付以其具有随身、随时、随地支付的特性,近年来已成为零售支付体系重要创新之一。世界银行支付体系发展工作组(PS-
With the rapid social and economic development, the traditional payment methods are more and more challenged. Driven by economic globalization and informationization, innovation in payment methods has been quietly started. In today’s social life, the degree of banking informationization and virtualization has been continuously improved. The penetration rate of mobile phones in the telecommunications industry has been increasing day by day. The range of bank customers and telecommunications users has been increasingly overlapping. More financial services and transactions rely on banks and telecommunications Close integration to achieve. With its portable, anytime, anywhere payment features, mobile payment has become one of the major innovations in the retail payment system in recent years. World Bank Payment Systems Development Working Group (PS-