?¦Ë?? > ??

§Û????????

?‰Ø??  ?  ??

?¦Ì??Better_Than_Cash_Alliance??Í°§ÛÁW???§Û????Social Networks, e-Commerce Platforms, and the Growth of Digital Payment Ecosystems in China?§Û????íà????§Û?????????§¹??????????

?§Û?§Ô???

?§Û??¾ˆ???¦Ä???????¦Ì????2016???—¨2025????3.7???????6%§Û?¦Æ1.05???4.2%GDP

?§Û?????2010?§Û???.2010§Û61%??????§µ?????1.8§ß??????????????????2015?????40%2016????§ß?45%2010?2015???????3%17%

???2020§Û?§µ???12%??16%????§á??41%

??§Û??????§Û¦Ì?????2670??§Û??3.1?¦ÌPOS????NFC?????

????§Û?????þŸ§Û???????????§Ô??

§Û?§Ô??

??§Û?1.7???2012????700???????¦Ë1.2???2012116?

??¦Ë¦Ì???50%??§Ô???¦Ì???§Ô????20%?

???????????¨²??????????????§Ô2014??§Ô???82.3%??10.6%,2016????68.4%????20.6%???¡é?¦Ë??§³???§Û§Ô?§Õ?§µ??????????

????¡ê?ÁW??????????ÕÓ?íà???

??????????????????????4.5??????????

??§Û??????NFC???????????????????????

?§Û?????§Û¦Ä????¦Ä??§Û????????§Ô????????¦Ä????ú‘??

§Û???›¨??

1¦Ì???§µ?

????????—¨??????¨¢???20132??8100???1.52??????

2?????????

20169¡ê?411§³??7400?¦Ì???§Û79%???10%????????þŸ2014??¡ê2016???¦Ì??268?

3§¹??¦Ê?????????¡Â?

?????????????????800?????2017??????460?2016??43%

4¦Ì?????§³?

?¡Â?3.5???3700??§³???§»???????¨¢

5§Û??????¦Ì????

?????????PayTM18????PayU??????

???????

§Û???ï…??????¡ê?

1§Ö??ÁW???§¹????????????§Ö?????????§Û??????????????????œQ?

2??????????SDKAPI??§³????¦Ì??????

3?????¡Â›¨?§Û???????iOS????????

?§Û??

1???o??

2????Ò§Û?2016§Û4G?5.3????¦Ä§Û???1.2?

?????§µ

1????????????

2??????????§Ô

??