迈克尔·塞勒在《移动浪潮》一书中将信息技术的发展比喻为“五次浪潮”:第一浪潮是大型计算机,第二浪潮是小型计算机,第三浪潮是桌面电脑,第四浪潮是互联网时代,第五浪潮正是如日中天的移动互联网。这个无处不在的移动互联网时代正有力地改变着全世界的行为模式和生活习惯,中国也不例外。2014年年底,中国人民银行科技司司长王永红在“第十届中国电子银行年会暨中国移动金融发展论坛” Michael Sellers in the “Mobile Inspiration” a book analogy for the development of information technology “five waves ”: the first wave is a large computer, the second wave is a small computer, the third wave is a desktop computer, the fourth The wave is the Internet era, the fifth wave is a heyday of the mobile Internet. This ubiquitous mobile Internet era is changing the behavior patterns and living habits of the world with great force. China is no exception. By the end of 2014, Wang Yonghong, director of the Science and Technology Department of the People’s Bank of China, was in “The 10th China Electronic Banking Conference and China Mobile Financial Development Forum”