指尖上的消费 ：移动支付的轻便与实用 = Payment at your fingertips : portability and practicality of mobile payment

• Main Author: 邓雯霨 Ten, Wen Wei
• Other Authors: Fang Xiaoping
• Format: Final Year Project
• Language: Chinese
• Published: 2018
• Subjects: DRNTU::Humanities
• Online Access: http://hdl.handle.net/10356/73463
• Institution: Nanyang Technological University

近年来，“智慧国”、“无现金社会”等词汇都成了时下热门课题。中国身为亚洲大国为了迈入“无现金社会”，也在国内掀起了一场“支付革命”。无需钱包，一台手机就能轻松完成消费。在中国各处，不难发现移动支付的踪影。在各大消费场景如，餐馆、湿巴刹，甚至医院以及路边的乞丐，各方都存有实现移动支付技术的工具。无现金支付已强势进驻中国社会，成为了中国人民的掌上消费新方式。移动支付在中国的高速发展也引起了国际关注。为了探究这门新型支付方式，本文会先对中国移动支付市场进行剖析，分析移动支付自身的特点以及在中国快速发展的原由。其次，阐述属于移动支付时代爆红的产物，电子红包。这种以移动支付技术与华人传统文化相容的创新，为何在中国深受如此大的追捧。最后，本文将从宏观的角度对比中新加坡移动支付市场，理解两国在推动移动支付发展所出现的差异以及导致这差异的因素。 In the recent years, “smart nation”, “cashless society” are terms that are trending. Being the largest country in Asia, China is also heading towards being a cashless society. This resulted in a major change of payment method within China. With just a mobile at hand, people can make payment anywhere and everywhere. Traces of mobile payment are evident in all parts of China. From restaurants, wet markets, hospitals and even beggars on the street, they now all have the means to fulfil mobile payment. As a result, cashless payment has now become a norm in China society, a new way of spending lifestyle for citizens. This rapid development of mobile payment in China has caught the media’s attention, countries worldwide are also in awe of China’s achievement. To understand the emergence of such new payment method, this thesis will first analyse China’s mobile payment market, the characteristics that it holds as well as the reasons that contributed to its swift development. Secondly, this thesis will place focus on electronic Angbao, a fusion of mobile payment technology and Chinese traditional culture. The reasons that led to its high popularity in China. Lastly, this thesis will adopt a macro comparative perspective to study the difference between China and Singapore in terms of the progress of cashless payment acceptance.