China E-payment B2C Market User Survey Report 2006

Research Definitions

1 E-payment Users send out payment orders through electronic terminals by themselves or by authorizing other people, to realize money payment and capital transition.
2 E-payment channels Online payment, telephone payment, mobile payment, self-service terminal payment
3? Online payment Self-service payment Telephone payment Mobile payment Payment is completed by log in the Internet through computer terminals. Payment is completed through service-service terminals, i.e. ATM, POS, including cash drawing. Payment is completed through telephone (fixed line or mobile). Payment is completed through mobile devices, including on spot and distant (mobile Internet).??
4 E-payment tools Tools or accounts to complete E-payment, including credit card, debtor card, virtual money, E-purse, etc.
5 E-payment accounts Money settlement accounts, including bank accounts, telecom users, third party payment service providers.
6 E-payment users Refers to users who use E-payment channels and tools to complete payment behavior.
7 E-payment B2C business model Refers to various business users provide payment services to consumers through E-payment service providers' platforms.
9 E-payment substitution rate Refers to E-payment’s substitution rate to traditional payment methods.?
10 Young users Mid-age users Old-age users Users aged between 18 and 24 Users aged between 25 and 39 Users aged between 40 and 60
11 Low income users Medium income users High income users Higher income users Annual income below RMB 12,000 Yuan Annual income between RMB 12,001 and 48,000 Annual income between RMB 48,001 and 96,000 Annual income over 96,001
12 Low income family users Medium income family users High income family users Higher income family users Annual income below RMB 24,000 Annual income between RMB 24,000 and 96,000 Annual income between 96,001 and 192,000 Annual income over RMB 192,001
13 Less important users Medium important users Most important users E-payment substitution rate below 20% E-payment substitution rate between 20% and 50%