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市場調査レポート
中国の第三者決済企業：Smartpay
Maverick China Third-Party Payment Profiles: Smartpay
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Abstract
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.
Key Findings:
- 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.
Companies Profiled:
- China UnionPay
- Union Mobile Pay
- Alipay
- Shanghai Smartpay
- Yeepay
- IPS
- Chinapay
- 99Bill
- Tenpay
- PayEase
- and more.....
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.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
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: 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)
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