2002年,蓝色巨人IBM用“电子商务,随需应变”勾画出这样一幅蓝图:当企业能够以客户需求为核心整合端到端的业务流程,它就能对客户服务、市场机遇以及外来威胁做出快速、准确地反应。极大地提高了服务的价值以及企业自身的核心竞争力。今天,“随需应变”的理念已经成为业界的共识和努力的方向,电子支付这个新的行业也不例外。市场需求的多元化和易变性、行业支付结算的多样化、消费者对多种支付方式的需求和消费习惯的不同,都需要电子支付做到“随需应变”才能够为商户和消费者提供优质贴身的服务。扫描国内外市场目前,全球电子支付市场正发展得如火如荼。欧美的一些电子支付技术和机构已经达到相当的规模和成熟度;亚洲市场,3G技术的成熟助长了日韩移动支付的快速成长。当然,这样的移动支付也是极大的满足了消费者的“按需支付”的个性化支付行为,无论在超市、饭店或其他公共场所,只要拿出手 In 2002, Blue Giant IBM outlined a blueprint for “e-commerce, on-demand”: When an enterprise can integrate end-to-end business processes with customer needs as a core, it can provide customer service, market opportunities, External threats to respond quickly and accurately. Greatly improve the value of services and the core competitiveness of enterprises. Today, the concept of “on demand” has become the consensus of the industry and the direction of efforts, the new industry of electronic payment is no exception. Diversification and volatility of market demand, diversification of industry payment and settlement, consumer demand for a variety of payment methods and different spending habits, require electronic payment to do “on demand ” can be for business and consumer Provide quality personal service. Scanning the domestic and foreign markets At present, the global electronic payment market is developing in full swing. Some electronic payment technologies and institutions in Europe and the United States have reached considerable scale and maturity. In Asia, the maturity of 3G technology has contributed to the rapid growth of mobile payment in Japan and Korea. Of course, this kind of mobile payment is also a great way to meet the consumer “pay on demand ” personalized payment behavior, whether in the supermarket, hotel or other public places, just take out the hand