伴随着移动智能设备和3G/4G通信网络的快速普及、明星应用流量入口和垂直行业支付解决方案的发展成熟以及与互联网时代小额、碎片、高频的消费趋势相契合,移动支付快速步入3.0时代。一方面,由其低毛利的信息服务属性所决定,支付天然就是连接通道,具备内在的扩张冲动;另一方面,移动支付出现后,海量、多元数据产生并云集 With the rapid spread of mobile smart devices and 3G/4G communication networks, the development of star application traffic portals and vertical industry payment solutions, and the convergence with the small, fragmented and high-frequency consumer trends in the Internet era, mobile payment has rapidly entered The 3.0 era. On the one hand, due to its low-margin information service attributes, payment is a natural connection channel and has an internal expansion impulse. On the other hand, after the appearance of mobile payment, massive and diverse data are generated and gathered.