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从全球范围来看,移动支付作为移动互联网的杀手级应用,一直备受瞩目,日益成为产业创新和投资的热点,呈现出快速增长的态势。特别是伴随着移动支付用户规模的增长,业界加快了整合、创新的步伐。先是英国Vodafone、O2以及Everything Everywhere三大公司通过合资,成立一家名为“Project Oscar”的移动支付公司,加速推进在英国的移动支付和移动广告服务;再是Visa投资Square,通过Square的软硬件创新,将世界上那些没有信用卡或者对这些系统很陌生的用户“连”在一起;Google则整合了原有的小额支付和商户,推出Google Wallet服务,取代现有支付方案,并开放API吸引合作伙伴,共同为用户提供更多的业务,Google甚至在其官网主页上宣称:“未来你唯一需要携带的塑料片就是你的手机。”
Globally, as a killer application of mobile Internet, mobile payment has drawn great attention and is increasingly becoming a hot spot for industrial innovation and investment, presenting a rapidly growing trend. Especially with the growth of mobile payment users, the industry has accelerated the pace of integration and innovation. First, the Vodafone, O2, and Everything Everywhere companies in the United Kingdom formed a joint venture to set up a mobile payment company called “Project Oscar” to accelerate mobile payment and mobile advertising services in the United Kingdom. Then Visa invested in Square and Square Hardware and software innovations that “connect” the world’s people who do not have a credit card or are unfamiliar with these systems; Google integrates with existing micropayments and merchants, launches the Google Wallet service, replaces existing payment plans, And open API to attract partners to jointly provide more services to users. Google even announced on its homepage: “The only plastic piece that you need to carry in the future is your mobile phone.”