Fierce competition in user scale
As the transaction keeps fast growing, competition in user scale is also very fierce. According to Alipay, there user amount has reached 58 million in 2007, and tenpay¡¯s user amount exceeded 30 million. Since the policy is not clear now, all third-party service providers are doing all they can to expand user scale and lay strong foundation for market.

User stickiness needs more recognition
iResearch believes that in addition of user scale, user stickiness also needs to be improved. According to the latest data from iUserTracker, a continuous netizens behavior monitoring software, of all the financial services, financial news service was high in terms of unique visitors, monthly visits per user and viewing duration. The user stickiness is high. User stickiness of services like online payment and online assurance are low comparatively.

From comparing user stickiness of all online financial services, It is obvious to find that online payment service¡¯s user stickiness needs to be improved. The third-party payment market competition will become more rational in 2008. At the same time of product innovation and service quality improvement, expanding user scale and improving user stickiness have became the most important problems for domestic third-party payment service providers.

Winning factor changes from scale to service
According to iResearch, when user scale reaches a certain level, user loyalty, user activity and product reputation will play more important roles. As the growth of transaction volume and user amount, user management and custom service quality became important in long term. Judging from the recent market dynamics, Alipay has renamed its customer center to customer satisfaction center. The winning factor of third-party payment market is changing from scale to service.

Page5 I. Research Background
Page5 Ii. Relevant Definitions in The Report
Page6 III. Research Methods
Page7 IV. Research Conclusions
Page8 V. Report
Page8 Part 1 Industry Analysis
Page8 1. Overview Of Electronic Payment (E-Payment)
Page8 1.1 E-payment
Page8 1.1.1 Definition of E-payment
Page8 1.1.2 Classification of E-payment
Page9 1.2 Developmental Stages Of E-Payment
Page10 2. Analysis Of Current Situation Of Global E-Payment Market
Page10 2.1 Development Situation And Trend Of Global E-Payment Market
Page11 2.2 Application Status Of E-Payment Abroad
Page12 3. Analysis Of E-Payment Development Status In China
Page12 3.1 Analysis Of Development Stages Of China¡¯s E-Payment Market
Page14 3.2 Analysis To Factors Influencing China¡¯s E-Payment Market
Page14 3.2.1 Positive Factors
Page14 3.2.2 Obstructive Factors
Page16 3.4 Analysis Of China¡¯s E-Payment Market
Page16 3.4.1 Size Of China¡¯s E-Payment Market
Page17 3.4.2 User Size Of China¡¯s E-Payment Market
Page18 4. Development Analysis On China¡¯s Opayment Market
Page18 4.1 Analysis On China¡¯s Opayment Market
Page18 4.1.1 Size Of China¡¯s Opayment Market
Page19 4.1.2 Structure Of China¡¯s Online Payment Market
Page21 4.1.3 The Scale Of China¡¯s Opayment Users
Page22 4.2 Opayment Analysis On China Online Shopping Market
Page22 4.2.1 The Size Of China¡¯s Online Shopping Market
Page23 4.2.2 The Size Of Opayment In China¡¯s Online Shopping Market
Page24 4.2.3 The Scale Of Opayment Users In The Online Shopping Market
Page25 4.3 Opayment Analysis Of China¡¯s Online Game Market
Page25 4.3.1 Size Of China¡¯s Online Game Market
Page26 4.3.2 Size Of Opayment In Game Point Market
Page27 4.3.3 Scale Of Online Payment Users Of Game Point Card
Page28 4.4 Analysis On Online Payment In Chinese Air Ticket Industry
Page28 4.4.1 Transaction Sum Of Online Ticket Order In China
Page29 4.4.2 Market Size Of Online Payment In Chinese Air Ticket Industry
Page30 4.5 Analysis On Online Charge In China
Page30 4.5.1 User Scale Of Online Banks In China
Page31 4.5.2 Market Scale In Chinese Online Charge Industry
Page32 4.6 Analysis On Online Payment In Chinese Education Industry
Page32 4.6.1 Market Size Of Chinese Online Education
Page33 4.6.2 Market Size Of Online Payment In Chinese Education Industry
Page34 4.7 Analysis On Online Payment Of Digital Publishing In China
Page34 4.7.1 Chinese Digital Publishing Market Scale
Page35 4.7.2 Market Scale Of Online Payment Of Chinese Digital Publishing Industry
Page36 5. Analysis On Chinese Telephone Payment Market
Page36 5.1 Overview On Tpayment
Page38 5.2 Analysis On Third Party TPayment Companies
Page39 5.3 Analysis On Main Commercial Modes Of TPayment
Page39 5.3.1 Yeepay Mode
Page39 5.3.2 Stamping Card Telephone Mode
Page40 5.3.3 Motopay Mode
Page40 5.4 User Scale Of TPayment
Page41 5.6 Market Scale Of TPayment
Page42 6. Analysis On Chinese Mobile Payment Industry
Page42 6.1 Concept Of Mobile Payment
Page42 6.1.1 Definition Of Mobile Payment
Page42 6.1.2 Classification of MPayment
Page42 6.2 Analysis On Status Quo of MPayment Industry
Page45 6.3 Analysis On The Third Party MPayment Companies
Page47 6.4 Analysis on MPayment Major Commercial Modes
Page47 6.4.1 Network Operators Operate Independently
Page47 6.4.2 Banks Operate Independently
Page48 6.4.3 Joint Operation Of ISPs And Financial Organizations
Page48 6.5 M-Payment User Scale Development And Forecast
Page49 6.6 M-Payment Market Scale Development And Predication
Page50 Part II Analysis On The Third Party Electronic Payment In China
Page50 7 Third Party Electronic Payment Platform In China
Page50 7.1 1 Definition Of The Third Party Electronic Payment Flatform
Page51 7.1.2 Functions Of The Third Party Electronic Payment Platform
Page52 7.2 Classification Of Third Party Electronic Payment Platform In China
Page52 7.2.1 Classification Based On The Transaction Volume
Page53 7.2.2 Classification based on independence status
Page54 7.3 Analysis Of Third Party Electronic Payment Platform Industrial Chain
Page54 7.3.1 Basic Payment Layer
Page54 7.3.2 Middle Payment Layer
Page54 7.3.3 Application Payment Layer
Page55 7.4 Mature Model Of Third Party Electronic Payment Platform
Page56 7.5 Problems Arising Out Of The Third Party Electronic Payment Platform In China
Page57 8. Analysis Of The Third Party Electronic Payment Market Of China
Page57 8.1 Third Party Electronic Payment Market Development Scale And Prediction
Page58 8.2 Analysis Of Third Party Electronic Payment Platform Market Strategy
Page58 8.2.1 Product Strategy
Page58 8.2.2 Price Strategy
Page58 8.2.3 Channel Strategy
Page60 8.3 Analysis On Third Party E-Payment Platform Market Competition
Page60 8.3.1 Analysis On Market Competitive Structure
Page61 8.3.2 Analysis On Competitiveness Of Main Payment Platforms
Page63 9. Analysis On Main Third Party Electronic Payment Companies Of China
Page63 9.1 Alipay
Page63 9.1.1 Brief Introduction
Page64 9.1.2 Current Situation Analysis
Page65 9.1.3 SWOT Analysis
Page65 9.1.4 Business Mode
Page66 9.2 Paypal
Page66 9.2.1 Brief Introduction
Page66 9.2.2 Current situation analysis
Page67 9.2.3 SWOT Analysis
Page68 9.2.4 Comparisons And Analysis Between Paypal And Alipay
Page69 9.3 Umpay
Page69 9.3.1 Brief Introduction
Page71 9.3.2 Analysis On Business Status Quo
Page72 9.3.3 SWOT Analysis
Page73 9.4 Ips
Page73 9.4.1 Introduction
Page75 9.4.2 Analysis On Business Status Quo
Page76 9.4.3 SWOT Analysis
Page77 9.5 PayEase
Page77 9.5.1 Introduction
Page78 9.5.2 Analysis On Business Status Quo
Page79 9.5.3 SWOT Analysis
Page80 9.6 Tenpay
Page80 9.6.1 Introduction
Page82 9.6.2 Analysis On Business Status Quo
Page83 9.6.3 SWOT Analysis
Page84 9.6.4 Business Modes
Page85 9.7 Cncard
Page85 9.7.1 Introduction
Page87 9.7.2 Analysis On Business Status Quo
Page88 9.7.3 SWOT Analysis
Page89 9.8 Chinabank
Page89 9.8.1 Introduction
Page91 9.8.2 Analysis On Business Status Quo
Page92 9.8.3 SWOT Analysis
Page92 9.8.4 Business Modes
Page94 9.9 99bill
Page94 9.9.1 Introduction
Page96 9.9.2 Analysis On Business Status Quo
Page97 9.9.3 SWOT Analysis
Page98 9.10 YeePay
Page98 9.10.1 Introduction
Page100 9.10.2 Analysis On Business Status Quo
Page101 9.10.3 SWOT analysis
Page102 9.11 Chinapnr
Page102 9.11.1 Introduction
Page104 9.11.2 Analysis On Business Status Quo
Page105 9.11.3 SWOT Analysis
Page106 Part III Anylysis On Users
Page106 10. Analysis On Investigation And Research Of Chinese Online Payment Users
Page106 10.1 Financing Activities Of Netizens
Page108 10.2 Netizens¡¯ Comments On Online Payment Services
Page108 10.2.1 Netizens¡¯ Attitudes Towards Online Payment
Page109 10.2.2 Main Channels For Netizens To Understand Online Payment Services
Page109 10.2.3 Contentment Of Netizens To Service Functions Of Online Payment
Page110 10.3 Reasons For Netizen¡¯S Choice Of Online Payment
Page111 10.4 Analysis On Netizen¡¯S Usage Of Online Payment
Page111 10.4.1 Purposes For Netizen¡¯S Usage Of Online Payment
Page112 10.4.2 Frequency For Netizen¡¯S Usage Of Online Payment
Page113 10.4.3 Time For Netizen¡¯S Usage Of Online Payment
Page114 10.4.4 Payment Tools Once Used And Frequently Used By Netizens During Online Payment
Page115 10.4.5 Payment Platform Once Used And Frequently Used By Netizens During Online Payment
Page116 10.4.6 Contentment Of Netizens To Most Frequently Used Payment Platforms
Page117 10.5 Netizen¡¯s Online Payment Plan
Page117 10.5.1 Netizen¡¯s Usage Of Online Payment In The Coming One Year
Page117 10.5.2 Main Purposes Of Online Payment Used By Netizens In The Coming Year
Page117 10.5.3 Online Payment Tools Most Likely Choosed By Netizens In The Coming Year
Page117 10.5.4 Commonts Of Netizens For Online Service Improvement In The Coming Year
Page118 Disclaimers

iResearch found that with the rapid development of online payment industry, China’s third-party online payment is transferring to a new period characterized by industrial payment with the following features.

Dependent payment companies have larger market share
Third-party online payment company represented by Alipay, Tenpay, Paypal accounts for more than 70% of the market in Q2 2007. Alipay has become the quickest development online payment company in China with high user penetration and stickiness. The success of dependent payment companies mainly due to the support on business resources, technology and brand from their parent company.

Industry segmentation
With the development of online payment market, the trend of industry segmentation is becoming evident. Some online payment company may transfer to industrial payment platform in future, providing varies payment products according to different industries. The development of third-party online payment company will based on the requirements of industries.

Payment gateway is gradually being replaced
Business mode is humdrum with payment gateway. The similarity of services and products that online payment companies provide leads to the overabundance of products for low level customers and lack of products for high level customers. Non-rational price competition occurs because of the special relationship between supply and requirements. And account payment emphasizes on difference of products and services. Payment companies can make full use of their own resources to provide more value-added services.

Competition between banks and payment companies is becoming fiercer
With the recognition of B2C online payment and development of B2Bonline payment, the competition between banks and payment companies is becoming fiercer. Although most banks provide gateways for third-party online payment companies, they controls profit distribution currently.

Source : Chinatechnews