Global Mobile Banking Trends in China
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This slideshare is the culmination of research done at Tsinghua University PBC School of Finance during my MBA. The project focuses on the disruption that online mobile banking and payment platforms are causing to the banking industry in China. Innovations combining social media such as Wechat and payment platforms such as Alipay have dynamically changed the financial environment across the country. In China where smartphone mobile penetration is high and trust of such third party payment sites is strong, Ecommerce and Mcommerce have exploded.
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Global Mobile Banking Trends in China
- 3. Global Trends in Mobile Banking
- 4. What is mobile banking? What are mobile payments? What is m-commerce? How do they relate to finance in China?
- 5. Shedding Light on Mobile Banking P2P C2C B2C Mobile banking requires a bank account or e-account
- 14. 2013
- 18. The Power of Brand
- 21. How big are mobile payments in China? $1.6 trillion in transactions were made in 2013
- 22. Competition • Financial and non-financial institutions are competing within the mobile banking/payments market • Financial institutions are marketing and launching mobile banking platforms • Nonfinancial institutions launch mobile phone apps that attract customers by free or discounted incentive and higher real returns • Regulation has been controversial so far • Banking licensing from PBC June 2010 • Investment channel regulation CSRC
- 23. WeChat: From Social Media to Mobile Payments
- 24. Drivers Risks •Unregulated economy •Virtual asset theft •Privacy and information theft •Internet services abuses •Credit card fraud •Money laundering •Taobao: number one of targeted websites in phishing attacks •leapfrog effect •Early withdrawal of bank deposits •MMF no risk-free investments-> lack of understanding Ecommerce Urban Population Smart Phones Regulation Mobile Banking
- 25. Is this new area of the economy considered shadow banking? How does this impact rural urban migration and inequality in China? Future Trends?
Editor's Notes
- http://contactlessintelligence.files.wordpress.com/2012/06/mobile-commerce-972.jpg
- Capgemini Analysis 2013 http://graphs.net/infographics-on-banking.html
- http://contactlessintelligence.files.wordpress.com/2012/06/mobile-commerce-972.jpg
- http://www.techinasia.com/detailed-slideshow-facts-and-figures-on-world-web-users-2014/
- http://www.webperformancetoday.com/2011/08/02/luxury-web-site-performance-page-load-china/
- http://maosuit.com/insights/the-potential-of-e-commerce-in-china/
- http://www.business2community.com/infographics/where-to-dial-m-for-m-commerce-infographic-0449323
- http://contactlessintelligence.files.wordpress.com/2012/06/mobile-commerce-972.jpg
- http://www.kpmg.com/CN/en/IssuesAndInsights/ArticlesPublications/Newsletters/China-360/Documents/China-360-Issue15-201401-E-commerce-in-China.pdf
- https://www.google.com/search?q=alipay+60+seconds&rlz=1C1CHFX_enUS594US594&espv=2&biw=1024&bih=464&source=lnms&tbm=isch&sa=X&ei=viG-U7S9DZXaoASuuoGoCQ&ved=0CAcQ_AUoAg#q=alipay+60+seconds+singles+day+2012+infographic&tbm=isch&facrc=_&imgdii=_&imgrc=q2CLgLoXZZb-YM%253A%3BvVciynkYlPpzfM%3Bhttp%253A%252F%252Fcdn.techinasia.com%252Fwp-content%252Fuploads%252F2013%252F03%252FChinas-M-Commerce-Shopping-Spree-to-Hit-27.1-Billion-in-2014.jpg%253F8346b2%3Bhttp%253A%252F%252Fwww.techinasia.com%252Fchina-mobile-shopping-hits-27-billion-dollars-in-2014%252F%3B800%3B4698 http://www.alizila.com/tmall-tick-tock-singles-day-shopping-timeline-infographic http://live.fastcompany.com/Event/Alibaba_IPO_News_Reaction_And_Why_It_Matters
- http://blog.chinainternetguru.com/2013/04/08/chinese-m-commerce-mobile-shopping-in-china-vs-usa-infographic/
- http://www.statista.com/chart/1846/b2c-ecommerce-sales-growth/
- http://knowledge.ckgsb.edu.cn/2014/03/31/finance-and-investment/internet-finance-in-china-will-it-disrupt-traditional-banking/
- http://www.gsma.com/digitalcommerce/wp-content/uploads/2014/04/6.-Ding-Wei-Pudong-Developmebnt-Bank-Digital-Commerce-Summit-MAE-2014-ENGLISH.pdf
- http://www.gsma.com/digitalcommerce/wp-content/uploads/2014/04/6.-Ding-Wei-Pudong-Developmebnt-Bank-Digital-Commerce-Summit-MAE-2014-ENGLISH.pdf
- http://www.techinasia.com/wechat-adds-payment-support-for-brands-and-retailers/
- http://www.accenture.com/SiteCollectionDocuments/PDF/PoV-Mobile-Banking-051611-EN.pdf