中國第三方付款企業：Smartpay

Smartpay is one of the larger mobile payment companies in China offering SMS-based payment services. Currently, Smartpay' s main service is mobile top-up - that is, paying one' s phone bill through the phone itself. Once they have built a loyal user base that has grown comfortable with making payments through the mobile phone, Smartpay will then focus on offering a more comprehensive mobile payment solution to its users.

• Smartpay currently focuses on mobile top-up services simultaneously targeted at young, urban users and rural, un-banked users.
• Smartpay is China Unicom' s dominant mobile top-up partner.
• The company has strong financial backing from foreign and domestic investment firms.
• Smartpay-licensed dealers offer top-up services to an additional 500,000 unregistered users.

• China UnionPay
• Union Mobile Pay
• Alipay
• Shanghai Smartpay
• Yeepay
• IPS
• Chinapay
• 99Bill
• Tenpay
• PayEase
• and more.....

1.Industry Overview: Key Factors Shaping Third-Party Payments in China

• 1.1 Continued preference for cash payments, but bank card payments rising
• 1.2 Credit card use remains low; debit cards widespread
• 1.3 Limited coverage of non-cash payment services
• 1.4 China UnionPay' s bank card monopoly
• 1.5 Quasi-online payment systems an interim solution
• 1.6 Two ISPs, 162 million Internet users
• 1.7 Two mobile operators, 500 million subscribers
• 1.8 Contactless smartcard use increasing but largely limited to buses and subways
• 1.9 Government regulations and the “national interest”

2.Smartpay - Top me up, Scotty!

• 2.1 Ownership, management team, investors
  • 2.1.1 Ownership
  • 2.1.2 Management Team
  • 2.1.3 Organizational Structure
• 2.2 Business Performance, Revenue Model, Users
• 2.3 Services and coverage
• 2.4 Markets and channels
• 2.5 Marketing and branding
• 2.6 Partners (banks, merchants, technology)
  • 2.6.1 Technology
  • 2.6.2 Banks
  • 2.6.3 Merchants
• 2.7 Users figures and profile
• 2.8 Competitive analysis: strengths and weaknesses
• 2.9 Outlook

• Figure 1: Credit cards issued in China and in the US (M)
• Figure 2: Internet Users in China, 2001-2006
• Figure 3: Mobile Subscribers in China, 2002-2010F (M)
• Figure 4: China government groups involved in third-party payment regulation
• Figure 5: Smartpay Regional Coverage and Regional Branches
• Figure 6: Smartpay' s operation model
• Figure 7: Smartpay m-payment services, merchant partners, and coverage areas
• Figure 8: Smartpay bank partnerships by area
• Figure 9: Smartpay - Active Users, 2006-2008F (M)