1. 研究目的与意义（文献综述包含参考文献）

On the basis of summarizing and introducing the development history of mobile payment industry, it makes a comparative analysis of the development of mobile payment industry in typical countries, and combines existing research results to present useful implication and countermeasures. As a response to the ”One Belt, One Road” initiative, cross-border e-commerce will continue to develop, and the mobile payment market has broad prospects. Study the development of mobile payment industry in Kazakhstan have important theoretical and practical significance. Mobile payment is an important step for Kazakhstan because it offers small and medium businesses a solution that will significantly improve their sales and turnover. Ⅰ. Literature review 1. The introduction of mobile payment Hwang R J , Shiau S H (2007) think that, mobile payment#160;(also referred to as#160;mobile money,#160;mobile money transfer, and#160;mobile wallet) generally refer to payment services operated under#160;financial regulation#160;and performed from or via a#160;mobile device. Instead of paying with#160;cash,#160;cheque, or#160;credit cards, a consumer can use a mobile to pay for a wide range of services and digital or hard goods. Although the concept of using non-coin-based currency systems has a long history.#160;it is only recently that the technology to support such systems has become widely available. G Lao ，H Liu#160;(2011) commend that, the mobile payment system is a mechanism for making payments and money transfers from one bank account to another, according to the laws, rules and standards established in this country. The effectiveness of the functioning of financial markets and the banking sector of the economy largely depends on the country's current payment system. E Lai ，S Fong ，Y Hang#160; (2008) believe that, mobile payments are becoming a key instrument for PSPs and other market participants, in order to achieve new growth opportunities, according to the European Payments Council (EPC). The EPC states that "new technology solutions provide a direct improvement to the operations efficiency, ultimately resulting in cost savings and in an increase in business volume". Mobile payment is being adopted all over the world in different ways.#160;The first patent exclusively defined "Mobile Payment System" was filed in 2000 (Feig, Nancy,2007). In 2008, the combined market for all types of mobile payments was projected to reach more than $600 billion globally by 2013.#160;which would be double the figure as of February 2011. The mobile payment market for goods and services, excluding#160;contactless payments#160;using#160;near field communication#160;(NFC) and#160;money transfers, is expected to exceed $300 billion globally by 2013. Investment on mobile money services is expected to grow by 22.2% during the next two years across the globe. It will result in revenue share of mobile money reaching up to 9% by 2018. Asia and Africa will observe significant growth for mobile money with technological innovation and focus on interoperability emerging as prominent trends by 2018 (Y Yang ，Y Liu ，H Li#160;). 2. The history of mobile payment in Kazakhstan 2.1 Mobile payment system division of Kazakhstan J Fan ，M Shao ，Y Li#160;(2018) think that, Kazakhstan National financial mobile payment systems include remote financial services and banking (non-bank) terminals, which are divided into mobile (mobile and SMS) services, non-bank mobile services (online banking) and non-bank non-mobile services (electronic money). Non-cash payments can be made directly via the Internet or via a mobile phone using a regular mobile phone, smartphone, tablet or computer. Banks currently use POS machines, printers, ATMs, and bank multifunction machines. H Tian and D Liu#160;(2012) index that, designed and acting in the Republic of Kazakhstan the national payment system has the advantage of payment systems of other countries of the Commonwealth of Independent States (CIS) and may be offered as a base for the establishment of a common scheme first for Eurasian Customs Union (EACU) and then the CIS. YG Sui ，Y Wei and JH Guo (2011)think that, each payment system in Kazakhstan has its own features of operating and is focused on specific market segments. In the ISMT, systemically important payment system of the country, the settlement of payments in conducted in real time, i.e. each payment document after entry into the system is processed immediately within few seconds. The system operates all days of a week except holidays and weekends 3.2 The development of mobile payment in Kazakhstan In the mid-1990s, with the emergence of bank ATMs and POS machines in Kazakhstan, the electronic payment service has undergone major changes, and the bank's multi-function machines have also achieved nothing. In 2000, online banking appeared. In 2005, the People#8217;s Bank of China launched the mobile banking business. In 2011, electronic money and the first payment system appeared. Since then, Ha интервэйл Co., Ltd. and the People's Bank jointly launched the MyPay system, and Regional Payment Systems Ltd. introduced HandyPay. As a result, mobile e-commerce began to appear. Three e-wallets appeared: KZM (Harbin United Bank), Tau e-wallet and Russian QIWI e-wallet. XH Yang and L Wang (2014) report that proclamation of sovereignty by Kazakhstan and transition to a market economy resulted in the need of structural reform of the economy, including the financial system. Major importance then was construction of a fundamentally new payment system with distinguished reliability and efficiency. The main objectives of the payment system reforms of the Republic of Kazakhstan were the acceleration of payments settlements between banks and their customers (at the beginning of the 90s completion of one payment took 3-12 days), as well as a wide introduction to circulation of various payment instruments (orders, checks, payment requests). In construction of a modern payment system, the National Bank of Kazakhstan studied the experience of the European Union, Eastern Europe, Baltic and CIS countries (XH Yang ，L Wang,2014). 3. Summary of research status quo In analyzing and studying the mobile payment conditions in Kazakhstan, the authors found that Kazakhstan's mobile payment is still in the initial stage of development, and it still needs a lot of improvement, and there are some problems in the development. Therefore, in this paper, the author puts forward some Develop a mobile payment strategy and make recommendations for mobile payments. When the authors research related references, the authors found that many of the literatures are about the usage, status and development prospects of mobile payments. Therefore, it is explained from the reference: the development of mobile payment is in a state of rapid development, but due to Kazakh as a developing country, Stan still has some resistance to the development of science and technology. Therefore, there is very little literature on mobile payment in Kazakhstan, there are no many experts to invest this kind research, so the author needs to make more efforts to complete the investigation. 4.The gap of research At present, in the academic world, scholars mainly pay for the role of technology in the economy. In research, the main analysis of the economy has a great impact on the development of science and technology, while ignoring the import of a country has a great impact on science and technology. , #160; In the subject of this research topic, due to the lack of references and data in Kazakhstan for the development of mobile payment, there may be some data shortages. Some data or data may be difficult to obtain, and due to the timeliness of collecting data, it affects the accuracy of the problem analysis. Limited by my level of experience and ability, the analysis of the research questions in this paper may not be thorough enough. References [1] Hwang R J , Shiau S H , Jan D F . A new mobile payment scheme for roaming services[J]. Electronic Commerce Research and Applications, 2007, 6(2):184-191. [2]Lao G , Liu H . Study of Mobile Payment Business Model Based on Third-Party Mobile Payment Service Provider[C]// International Conference on Management Service Science. IEEE, 2011. [3]Lai E , Fong S , Hang Y . Supporting mobile payment QOS by data mining GSM network traffic.[C]// International Conference on Information Integration Web-based Applications Services. ACM, 2008. [4]Tian H , Liu D . Research on ECP3 Mobile-Payment[J]. Advances in Information Sciences Service Sciences, 2012, 4(5):703-707. [5]Sui Y G , Wei Y , Guo J H . A Mobile Payment Based on-Street Parking Management System[J]. Advanced Materials Research, 2011, 378-379:319-322. [6]Yang Y , Liu Y , Li H , et al. Understanding perceived risks in mobile payment acceptance[J]. Industrial Management Data Systems, 2015, 115(2):253-269. [7]Hu J Y , Sueng C C , Liao W H , et al. Android-based mobile payment service protected by 3-factor authentication and virtual private ad hoc networking[C]// Computing, Communications Applications Conference. IEEE, 2012. [8]Yang X H , Wang L . Research and Design of Mobile Payment Platform Based on Hybrid APP Technology[J]. Advanced Materials Research, 2014, 1044-1045:1262-1265. [9]Hou Y R , Wang Y H . Telecom Operators O2O Model and Suggestions to Mobile Payment[C]// Proceedings of the 2013 International Conference on Management of e-Commerce and e-Government. IEEE Computer Society, 2013. [10]Ma L , You Y . The Research on Mobile Payment Marketing of China[M]// Advances in Applied Economics, Business and Development. Springer Berlin Heidelberg, 2011. [11]Gerdes M , Holtmanns S . Mobile Payment Solutions[M]// Towards the E-Society. Springer US, 2002. [12]Gao J , Kulkarni V , Ranavat H , et al. A 2D Barcode-Based Mobile Payment System[C]// 2009 Third International Conference on Multimedia and Ubiquitous Engineering, MUE 2009, Qingdao, China, June 4-6, 2009. IEEE, 2009. [13]Fan J , Shao M , Li Y , et al. Understanding users#8217; attitude toward mobile payment use: A comparative study between China and the USA[J]. Industrial Management Data Systems, 2018, 118(1):00-00. [14]Yan W , Wong D S , Huaxiong W . Employ a Mobile Agent for Making a Payment[J]. Mobile Information Systems, 2008, 4(1):51-68. [15] GSMA Mobile Money Deployment Tracker#160;from wirelessintelligence.com#160;ArchivedNovember 23, 2011, at the#160;Wayback Machine. [16] The Law of the Republic of Kazakhstan "On payments and transfers money", [online]. Signed on 29 June 1998 [cit. 2015-02-03]

2. 研究的基本内容、问题解决措施及方案

1.Research Topic In recent years, Kazakhstan has actively followed the trend of e-finance and network industry development, and the number of residents using mobile payment systems has continued to grow. Despite the emergence of online banking 13 years ago, the development of mobile banking, e-money and banking terminals between Kazakhstan is still in its infancy. Residents are not ready to bid farewell to traditional currencies when they handle financial business. Mobile payment is an important step for Kazakhstan because it offers small and medium businesses a solution that will significantly improve their sales and turnover. 2.Research Methods 2.1 Document research During the research, the author read a large number of domestic and foreign literatures on the development of mobile payment in Kazakhstan. He conducted extensive reading and classic literature intensive reading, and found his own entry point from the previous literature results. Finding relevant restrictive factors and expanding them provides a solid theoretical basis for this study. 2.2 Contrast Deduction. In the analysis of the literature and materials of this thesis, I have used the investigation and research method. The main ways are: library books, journal borrowing, and HowNet's network approach to obtain relevant literature and data, and analyze them to improve the paper through specific data. Persuasive.