com
2 01 65
3
9
12
17
22
3
3G/4G
46376
50006 52705
55678
59357 80.00%
41997 60.00%
38825
40000 35558
31768
40.00%
20000
20.00%
0 0.00%
CNNIC
3G/4G
201314.9%201442.5%
201568%
201420153G/4G
PC
80000
Q1 2015E 52% 48%
60000
Q4 2014 60% 40%
40000
Q3 2014 66% 34%
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%
17%
1.5%
0.8%
73% 0.6%
0.5%
0.3%
0.8%
6
GPRS
NFC
NFCNFC
Apple Pay NFC
HCE
HCE
NFC
HCEHCE
HCE
7
NFCHCEMST
NFC Near Field Apple PayNFC
Communication
iPhonePOS
NFC
2015
Smile to Pay
Apple pay
Touch ID
2015
NFCapp
POS
20132015
20133.320159
2013
7.2%18.8%
2012
20145.4
87.5%
NFC
SIM
NFC
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
IC
11
NFC
POS
11
12
270
2015 4 22
,
201561
2014319,
NFC
2014418
201621AA-
BB-C
13
20131010
13%
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
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
2015SquareStripe
18
VISAStripe
Visa
Visa
P2PVISA
VISA PayWave,NFC
VISAVISA
CheckoutVisa
Visa Checkout
P2PVISA
VISA DirectVisa
Stripe
Stripe
Stripe
API
Stripe
Stripe Paypal
Braintree
Stripe
Stripe
19
NTT
DoCoMoKDDIVodafone K.K2004
2005
SK
LGU+20032004
Samsung Pay201582020159286
5005
20155NTT DoCoMo
ATMPOS
Samsung Pay
2015Samsung Pay
Samsung Pay
Samsung Pay
20
vs.
Paytm
20159
PayTMPayTM
MobiKwik
20161B2500
MobiKwik600B+
2009
50000
21
22
2016 /
www.pwc.com/structure