A study on the cooperation motives of mobile operators and financial institutions in the near field communication payment industry

摘要

As the major participants in this industry, there have been many mobile operators and financial institutions providing near field communication payment (NFC) service in many countries with four different operation modes: mobile operatorfinancial institution cooperation mode, mobile operators leading mode, financial institutions leading mode, and independent operating mode. This paper selects several typical cases to compare these modes and establishes profit models of one mobile operator and one financial institution, in the situations of separate operation mode and cooperation mode. By comparison, this paper comes to the conclusion that they expect to gain more profit when they cooperate with each other. This is the main cooperation motive of cooperation even when they have the abilities to provide NFC payment service independently.