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www.pwccn.

com

2 01 65
3
9

12

17

22

3




3G/4G

80000 88.90% 100.00%


83.40% 85.80%
78.50% 81.00%
60000 65.50%
69.30% 72.20%
74.50%

46376
50006 52705
55678
59357 80.00%


41997 60.00%
38825
40000 35558
31768
40.00%

20000
20.00%

0 0.00%

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3G/4G

201314.9%201442.5%
201568%

201420153G/4G
PC

80000
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60000
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40000
Q3 2014 66% 34%

20000 Q2 2014 70% 30%

0 Q1 2014 74% 26%


2014 2015

PC

5


201422.592015
84.7620143.75

2013 2015
84.76

90
80
70

60
50
40

30
20 9.64
22.59

10
0 *
2013 2014 2015


*2015

2015
1% 0%
1%
1% 1% 1%
2% 72.9%

3% Q 17.4%

3.0%

2.2%
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0.5%

0.3%

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6


GPRS


NFC

NFCNFC

Apple Pay NFC

HCE
HCE
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HCE

7

NFCHCEMST


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2013NFC
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SE
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edge+Galaxy Note5
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2015

Smile to Pay
Apple pay
Touch ID

2015
NFCapp
POS





20132015
20133.320159
2013
7.2%18.8%



2012
20145.4
87.5%


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2016
NFC

10


O2O

vs.


79 11 2016
2.15 5.16
vs.
2900
1.92

Apple Pay

200Apple
Pay 2016218
3000
20163Apple Pay IOSApple Pay
19


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11
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11

12


270


2015 4 22
,
201561


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201621AA-
BB-C

13

20131010
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201451

20150113

20151225




20151228

201671

14





APP APP

WiFi




2%

19%
2015

34%
89735004.5
5577

2015
20%
20151874



25% 34.0%25.2%
20.6%18.6%1.6%
3602015

2015

4

53

e67e
500

15

TokenTEE

(Payment Tokenization)
Token EMV Co 2014
Token

Trusted Execution Environment


TEE

TEE

16

17



PayPal

90%
GoogleAppleSamsung



2500

2104.5
2000 2012
2015
1500
1146.3 872019
1000
617.5 2100
500
270.5
87.1
36.8
0
2014 2015 2016* 2017* 2018* 2019*

eMarketer
*eMarketer

2016
2016Apple Pay Google wallet
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18
VISAStripe

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19




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2015Samsung Pay


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NFCPOSPOS

20




vs.
Paytm
20159
PayTMPayTM

MobiKwik
20161B2500
MobiKwik600B+
2009

50000

21

22






+86 (10) 6533 2755


james.chang@cn.pwc.com

+86 (21) 2323 2655


yuqing.guo@cn.pwc.com

+86 (21) 2323 3250


Jason.y.guo@cn.pwc.com

2016 /
www.pwc.com/structure

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