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市場調查報告書

中國支付方法動向

Payment Preferences - China - November 2014

出版商 Mintel China 商品編碼 335210
出版日期 內容資訊 英文
商品交期: 最快1-2個工作天內
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中國支付方法動向 Payment Preferences - China - November 2014
出版日期: 2014年11月30日 內容資訊: 英文
簡介

本報告針對中國支付方法動向進行調查、提供中國消費者支付方法相關最新發展、為了與第三方支付服務企業頂尖地位的支付寶競爭、其他競爭對手以銀行與消費者對其他支付服務信賴度為中心課題、採用現金卡與信用卡、線上及行動支付等最新支付方法。

第1章 序

  • 定義
  • 報告構成
  • 調查方法
  • 簡稱

第2章 摘要整理

  • 市場發展
  • 現金卡與信用卡
  • 線上與行動支付
  • 重要事項
  • 人們如何接受這些新發展?
  • 建構常態支付習慣是對抗支付寶的企業最困難的挑戰
  • 人們在付款時還是依然相信銀行嗎?
  • 重要動向
  • Cam Cam: 巨量資料不一定非得當大哥
  • 自己的人生構築: 讓自己的人生更順暢
  • 協定: 讓人們自己做出財務決定
  • 頂尖企業
  • 發行信用卡頂尖企業
  • 線上、第三方支付服務頂尖企業
  • 消費者
  • 現金以外的支付方法種類
  • 各種購買物品與服務的支付方法
  • 體驗第三方支付服務
  • 嘗試行動支付的理由
  • 對線上與行動支付感到不佳的經驗
  • 對支付方法的想法
  • Mintel China的觀察

第3章 市場課題與重點

  • 人們如何接受這些新發展?
    • 市場資料
    • 未來預測
  • 建構常態支付習慣是對抗支付寶的企業最困難的挑戰
  • 人們在付款時還是依然相信銀行嗎?

第4章 趨勢應用

  • 巨量資料不一定非得當大哥
  • 讓自己的人生更順暢
  • 讓人們自己做出財務決定

第5章 支付方法最近市場發展

  • 信用卡與現金卡目前持續急速增加
  • 線上購物與行動購物從零成長為佔據一大部分市場
  • 線上支付是擴大電子支付交易的關鍵
  • 消費者線上零售支出額成長中透過行動支付的部分成長最快速
  • 信用卡與現金卡使用頻率更高
  • 這代表著什麼?

第6章 支付服務供應商與改革頂尖企業

  • 國有銀行在發卡產業佔有絕對的地位
  • 中國農業銀行在現金卡、中國工商銀行在信用卡的發卡方面佔領導地位
  • 前三大銀行佔據整體卡片支付市場
  • 第三方支付服務供應商企業以支付寶為首
  • 主要第三方企業該如何創新?
  • 這代表著什麼?

第7章 消費者 - 現金以外的支付方法種類

  • 網路使用者幾乎都有使用線上支付
  • 消費者有一半尚未使用過行動支付
  • 以卡片支付的年齡層不同
  • 對預付卡的喜好在各都市不同
  • 這代表著什麼?

第8章 消費者 - 購物與支付服務時的支付方法

  • 日常用品最常以現金支付
  • 消費者層分類購物習慣、信賴度與便利性
  • 線上支付並非只在一級都市受到重視
  • 這代表著什麼?

第9章 消費者 - 第三方支付服務體驗

  • 第三方支付服務企業以支付寶為首
  • 人口層分類第三方支付服務目前使用者與非使用者
  • 顧客維持情況每個都市、每家服務供應商皆不同
  • 這代表著什麼?

第10章 消費者 - 嘗試行動支付的理由

  • 便利性讓行動支付使用者數量增加
  • 人口層分類的行動支付使用者數量差異
  • 場所分類的行動支付使用者數量差異
  • 這代表著什麼?

第11章 消費者 - 線上與行動支付不愉快的經驗

  • 是消費者使用行動支付的主要障礙
  • 不佳經驗的人口層分類
  • 不佳經驗在每個都市有所不同...
  • 各供應商也有所不同
  • 這代表著什麼?

第12章 消費者 - 對支付方法的想法

  • 對未來使用機會的想法
  • 對保全的想法
  • 對支付選擇的想法
  • 對變化的想法
  • 對人口層分類的想法
  • 對所得層分類的想法
  • 對使用者層分類的想法
  • 對都市分類的想法
  • 這代表著什麼?

附錄

目錄

"The mobile and online payments market is still very young, but more people will quickly latch on to the convenience of mobile payment systems, and overcome current reticence. This will create a challenge for leading retail banks, but opportunities for online payment service providers , although this is already becoming a crowded market.

Consumers still need more convincing about convenience and security , and existing customers are prone to lapses in usage or to flit to competitor services. To retain customers, service providers need to communicate better with customers. They also need to provide more incentives for consumers and merchants alike to use their service, creating greater demand on both sides.

Alipay has come to dominate the market, and other providers need to focus on providing niche services adapted to niche consumer groups, to create a core base of loyal customers , from which to offer wider services to a bigger audience. But, the market is changing fast, and all those involved will have to adapt fast and remain innovative and responsive to changing market dynamics and consumer needs."

- Matthew Crabbe , Director of Research, Asia-Pacific

This report looks at the following areas:

  • How well are people embracing new developments ?
  • Building regular payment habits is the most challenging task for all players to challenge Alipay
  • Are people still putting more trust in banks to process their payments ?

Table of Contents

1. Introduction

  • Definition
  • Report structure
  • Methodology
  • Abbreviations

2. Executive Summary

  • Market developments
  • Debit and credit cards
    • Figure 1: China - Total value of bank card transactions, 2009-19
  • Online and mobile payments
    • Figure 2: China - Total online retail market value, 2009-19
  • Key insights
  • How well are people embracing new developments?
  • Building regular payment habits is the most challenging task for all players to challenge Alipay
  • Are people still putting more trust in banks to process their payments?
  • Key trends
  • Cam Cam: Big Data doesn't have to be a Big Brother
  • Life Hacking: Make my life easier
  • Let's Make A Deal: Empower people in every financial decision
  • Leading players
  • Leading credit card issuers
    • Figure 3: China - Debit and Credit Cards: Company market share by volume, 30 June, 2014
  • Leading online third-party payment services
    • Figure 4: China - Estimated share of total third-party online transactions by leading player, 30 June, 2014
  • The consumer
  • Type of non-cash payments used
    • Figure 5: Type of non-cash payments used, August 2014
  • Payment methods used for different purchases and services
    • Figure 6: Type of payments used for different transactions, August 2014
  • Experience with third-party payment
    • Figure 7: Experience with different third-party payment service providers, August 2014
  • Reasons for trying mobile payments
    • Figure 8: Reasons for trying mobile payment, August 2014
  • Inconvenience experienced in online and mobile payment
    • Figure 9: Inconvenience experienced during online and mobile payment, August 2014
  • Attitudes towards payment methods
    • Figure 10: Attitudes towards payment methods, August 2014
  • What we think

3. Issues and Insights

  • How well are people embracing new developments?
  • The facts
  • The implications
  • Building regular payment habits is the most challenging task for all players to challenge Alipay
  • The facts
  • The implications
    • Figure 11: Conversion and lapsed user rates of key payment service providers, August 2014
  • Are people still putting more trust in banks to process their payments?
  • The facts
  • The implications

4. Trend Applications

  • Big Data doesn't have to be a Big Brother
  • Make my life easier
  • Empower people in every financial decision

5. Recent Developments in Payments

  • Key points
  • Credit and debit cards continue to proliferate
    • Figure 12: China - Total value of bank card transactions, 2009-19
    • Figure 13: China - Total volume of bank cards issued, 2009-19
  • Online and mobile shopping rise from virtually nothing to become a large slice of total retail
    • Figure 14: China - Total online retail market value, 2009-19
  • Online payments key to electronic transaction growth
    • Figure 15: A Snapshot of online, telephone and mobile payment transaction scale in China, Q2 2014
  • Consumer online retail spending growth most rapid via mobile
    • Figure 16: Online retail users, online spending and mobile online spending, 2011-14
  • Credit and debit card usage continues to rise
    • Figure 17: Total number of bank cards by type, total and per card average annual transaction values, 2010-14
    • Figure 18: Average annual spend per capita by card users, 2010-14
  • What does it mean?

6. Leading Payment Providers and Innovators

  • Key points
  • State-owned banks dominate the cards business
    • Figure 19: China - Debit and Credit Cards: Company market share by volume, 30 June, 2014
  • Agric Bank dominates debit card and ICBC dominates credit card issuing
    • Figure 20: China - Top 5 card issuing banks by numbers of debit and credit cards issues, June 30, 2014
  • Top three banks dominate total card spending
    • Figure 21: China - Top 5 card issuing banks by total value of debit and credit card spending, June 30, 2014
    • Figure 22: China - Top 5 card issuing banks by average value of spending per debit and credit card, June 30, 2014
  • Leading third-party service providers dominated by Alipay
    • Figure 23: China - Estimated share of total third-party online transactions by leading player, 30 June, 2014
  • How key third-party players are innovating?
  • What does it mean?

7. The Consumer - Type of Non-Cash Payments Used

  • Key points
  • Almost all netizens surveyed had used online payments
    • Figure 24: Type of non-cash payments used, August 2014
  • Yet half of the consumers haven't used mobile payment
    • Figure 25: Mobile payment usage over past six months, by age, August 2014
  • Card payment varies by age
    • Figure 26: Credit and debit card usage over the past six months, by age group, August 2014
  • Payment preferences vary by city
    • Figure 27: Credit and debit card usage over the past six months, by city, August 2014
  • Pre-paid card preferences vary by city
    • Figure 28: Gift card/coupon and prepaid card usage over the past six months, by city, August 2014
  • What does it mean?

8. The Consumer - Payment Methods Used for Different Purchases and Services

  • Key points
  • Cash remains king for everyday purchases
    • Figure 29: Type of payments used for different transactions, August 2014
  • The demographics of purchase habit, confidence and convenience
    • Figure 30: Type of payments used for different transactions, by gender and age group, August 2014
    • Figure 31: Type of payments used for different transactions, by monthly household income group, August 2014
  • Online payments not just focused in tier one cities
    • Figure 32: Type of payments used for different transactions, by city, August 2014
  • What does it mean?

9. The Consumer - Experience with Third-Party Payment

  • Key points
  • Alipay dominates third-party payment service providers
    • Figure 33: Experience with different third-party payment service providers, August 2014
    • Figure 34: Awareness, usage, lapsed and conversion rates of different third-party payment service providers, August 2014
  • Third-party payment service current and lapsed users by demographics
    • Figure 35: Lapsed usage rate of different third-party payment service providers, by gender and age group, August 2014
    • Figure 36: Lapsed usage rate of different third-party payment service providers, by monthly household income group, August 2014
  • Customer retention varies by city and service provider
    • Figure 37: Lapsed usage rate of different third-party payment service providers, by city, August 2014
  • What does it mean?

10. The Consumer - Reasons for Trying Mobile Payments

  • Key points
  • Convenience drives mobile payment uptake
    • Figure 38: Reasons for trying mobile payment, August 2014
  • Differences in mobile payment uptake by demographic group
    • Figure 39: Reasons for trying mobile payment, by gender and age group, August 2014
    • Figure 40: Reasons for trying mobile payment, by monthly household income group, August 2014
  • Differences in mobile payment uptake by location
    • Figure 41: Reasons for trying mobile payment, by city, August 2014
    • Figure 42: Reasons for trying mobile payment, by city, August 2014 (continued)
  • What does it mean?

11. The Consumer - Inconvenience Experienced in Online and Mobile Payment

  • Key points
  • Key sticking points to consumer adoption of mobile payments
    • Figure 43: Inconvenience experienced during online and mobile payment, August 2014
  • Inconveniences experienced by demographic group
    • Figure 44: Inconvenience experienced during online and mobile payment, by detailed age group, August 2014
    • Figure 45: Inconvenience experienced during online and mobile payment, by gender and age group, August 2014
    • Figure 46: Inconvenience experienced during online and mobile payment, by monthly household income group, August 2014
  • Inconveniences experienced differ by city...
    • Figure 47: Inconvenience experienced during online and mobile payment, by city, August 2014
    • Figure 48: Inconvenience experienced during online and mobile payment, by city, August 2014 (Continued)
  • ...And by provider
    • Figure 49: Inconvenience experienced during online and mobile payment, by Experience with different third-party payment service providers, August 2014
    • Figure 50: Inconvenience experienced during online and mobile payment, by Experience with different third-party payment service providers, August 2014 continued)
  • What does it mean?

12. The Consumer - Attitudes towards Payment Methods

  • Key points
  • Attitudes towards future opportunities
    • Figure 51: Attitudes towards future opportunities in payment methods, August 2014
  • Attitudes towards security
    • Figure 52: Attitudes towards security in payment methods, August 2014
  • Attitudes towards choice of payment
    • Figure 53: Attitudes towards choice of payment in payment methods, August 2014
  • Attitudes towards changes
    • Figure 54: Attitudes towards changes in payment methods, August 2014
  • Attitudes by demographic groups
    • Figure 55: Attitudes towards payment methods, by detailed age group, August 2014
    • Figure 56: Attitudes towards payment methods, by gender and broad age group, August 2014
  • Attitudes by income groups
    • Figure 57: Attitudes towards payment methods, by monthly household income group, August 2014
  • Attitudes by user groups
    • Figure 58: Attitudes towards payment methods, by electronic payment experience, August 2014
  • Attitudes by cities
    • Figure 59: Attitudes towards payment methods, by city, August 2014
    • Figure 60: Attitudes towards payment methods, by city, August 2014 (continued)
  • What does it mean?

13. Appendix - Market Size

  • Forecast bank card transaction value and card issuance volume
    • Figure 61: China - Total bank card transaction value and card issuance volume, 2009-19
  • Forecast online and mobile retail sales
    • Figure 62: China - Total online retail value and annual growth, 2009-19

14. Appendix - Payment methods used

  • Figure 63: Type of non-cash payments used, August 2014
  • Figure 64: Most popular type of non-cash payments used, by demographics, August 2014
  • Figure 65: Next most popular type of non-cash payments used, by demographics, August 2014
  • Repertoire analysis
  • Figure 66: Repertoire of type of non-cash payments used, August 2014
  • Figure 67: Repertoire of Type of non-cash payments used, by demographics, August 2014
  • Figure 68: Type of non-cash payments used, by repertoire of type of non-cash payments used, August 2014
  • Figure 69: Type of payments used for different transactions, August 2014
  • Figure 70: Type of payments used for different transactions - Buying everyday groceries, by demographics, August 2014
  • Figure 71: Type of payments used for different transactions - Buying household appliances/digital products, by demographics, August 2014
  • Figure 72: Type of payments used for different transactions - Eating at a restaurant, by demographics, August 2014
  • Figure 73: Type of payments used for different transactions - Paying utility bills, by demographics, August 2014
  • Figure 74: Type of payments used for different transactions - Booking travel, by demographics, August 2014
  • Figure 75: Type of payments used for different transactions - Topping up mobile phone, by demographics, August 2014
  • Figure 76: Type of payments used for different transactions - Buying entertainment tickets, by demographics, August 2014
  • Figure 77: Type of payments used for different transactions - Paying for a taxi, by demographics, August 2014
  • Figure 78: Type of payments used for different transactions - Paying for beauty treatment, by demographics, August 2014
  • Figure 79: Type of payments used for different transactions - Buying clothes and accessories, by demographics, August 2014

15. Appendix - Experience with third-party payment

  • Figure 80: Experience with different third-party payment service providers, August 2014
  • Figure 81: Experience with different third-party payment service providers - 99bill, by demographics, August 2014
  • Figure 82: Experience with different third-party payment service providers - Alipay, by demographics, August 2014
  • Figure 83: Experience with different third-party payment service providers -Baidu Wallet, by demographics, August 2014
  • Figure 84: Experience with different third-party payment service providers - China PnR, by demographics, August 2014
  • Figure 85: Experience with different third-party payment service providers - Lakala, by demographics, August 2014
  • Figure 86: Experience with different third-party payment service providers - Qiandai, by demographics, August 2014
  • Figure 87: Experience with different third-party payment service providers - Tenpay, by demographics, August 2014
  • Figure 88: Experience with different third-party payment service providers - UnionPay online payment, by demographics, August 2014
  • Figure 89: Experience with different third-party payment service providers - Yeepay, by demographics, August 2014
  • Figure 90: Experience with different third-party payment service providers - Suning Yifubao, by demographics, August 2014
  • Figure 91: Experience with different third-party payment service providers - Other online third-party payment platform^, by demographics, August 2014
  • Repertoire analysis
  • Figure 92: Repertoire of Experience with different third-party payment service providers in the last six months, August 2014
  • Figure 93: Repertoire of Experience with different third-party payment service providers in the last six months, by demographics, August 2014

16. Appendix - Reasons for trying mobile payment

  • Figure 94: Reasons for trying mobile payment, August 2014
  • Figure 95: Reasons for trying mobile payment, by demographics, August 2014

17. Appendix - Inconvenience in Online and Mobile Payment

  • Figure 96: Inconvenience experienced during online and mobile payment, August 2014
  • Figure 97: Most popular inconvenience experienced during online and mobile payment, by demographics, August 2014
  • Figure 98: Next most popular Inconvenience experienced during online and mobile payment, by demographics, August 2014
  • Figure 99: Inconvenience experienced during online and mobile payment, by experience with different third-party payment service providers - 99bill, August 2014
  • Figure 100: Inconvenience experienced during online and mobile payment, by experience with different third-party payment service providers - Alipay, August 2014
  • Figure 101: Inconvenience experienced during online and mobile payment, by experience with different third-party payment service providers - Baidu Wallet, August 2014
  • Figure 102: Inconvenience experienced during online and mobile payment, by experience with different third-party payment service providers - China PnR, August 2014
  • Figure 103: Inconvenience experienced during online and mobile payment, by experience with different third-party payment service providers - Lakala, August 2014
  • Figure 104: Inconvenience experienced during online and mobile payment, by experience with different third-party payment service providers - Qiandai, August 2014
  • Figure 105: Inconvenience experienced during online and mobile payment, by experience with different third-party payment service providers - Tenpay, August 2014
  • Figure 106: Inconvenience experienced during online and mobile payment, by experience with different third-party payment service providers - UnionPay online payment, August 2014
  • Figure 107: Inconvenience experienced during online and mobile payment, by experience with different third-party payment service providers - Yeepay, August 2014
  • Figure 108: Inconvenience experienced during online and mobile payment, by experience with different third-party payment service providers - Suning Yifubao, August 2014
  • Figure 109: Inconvenience experienced during online and mobile payment, by experience with different third-party payment service providers - Other online third-party payment platform^, August 2014

18. Appendix - Attitudes towards Payment Methods

  • Figure 110: Attitudes towards payment methods, August 2014
  • Figure 111: Attitudes towards payment methods - Future opportunities, by demographics, August 2014
  • Figure 112: Attitudes towards payment methods - Security, by demographics, August 2014
  • Figure 113: Attitudes towards payment methods - Choice of payment, by demographics, August 2014
  • Figure 114: Attitudes towards payment methods - Attitudes towards changes, by demographics, August 2014
  • Figure 115: Attitudes towards payment methods, by most popular experience with different third-party payment service providers in the last six months, August 2014
  • Figure 116: Attitudes towards payment methods, by next most popular experience with different third-party payment service providers in the last six months, August 2014
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