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市場調査レポート
中国の第三者決済企業：UMPay
Maverick China Third-Party Payment Profiles: UMPay
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Abstract
Founded in 2003, Union Mobile Pay (UMPay) is a joint-venture between China
Mobile, the world' s largest mobile operator, and China UnionPay, China' s only
inter-bank fund-transfer network. Focused on mobile payments and with the
support of these two industry giants UMPay has direct access to capital and
technology resources to grow its business in China' s nascent payment market.
Key Findings:
- UMPay is China' s leading mobile payment provider with about 30 million
registered users.
- UMPay' s payment platform is based on mobile SMS technology.
- UMPay tries to offer a comprehensive set of mobile payment services, but
its coverage remains highly fragmented.
- Compared with other third-party payment channels, mobile payment has yet
to develop a strong presence in the market - bank card, prepaid card,
telephone, and online payment are currently the preferred choice for non-cash
payments.
Table of Contents
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 Union Mobile Pay: Standing on the Shoulders of Giants
- 2.1 Ownership, management team, investors
- 2.1.1 Ownership
- 2.1.2 Organizational Structure
- 2.1.3 Management Team
- 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
- 2.6.4 The TOM-UMPay Alliance
- 2.7 Users figures and profile
- 2.8 Competitive analysis: strengths and weaknesses
- 2.9 Outlook
List of Figures
- 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: UMPay Company Structure
- Figure 6: UMPay Regional Coverage and Regional Branches
- Figure 7: UMPay' s Operation Model
- Figure 8: UMPay m-payment services, merchant partners, and coverage areas
- Figure 9: UMPay m-payment services by province
- Figure 10: UMPay - The Mobile Wallet
- Figure 11: UMPay bank partnerships by area
- Figure 12: UMPay Registered Users
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