Kakaopay作为韩国近年来比较具有代表性的第三方移动支付平台，其依托社交软件的发展方式与中国的微信支付具有相似性。但由于韩国金融环境的限制、市场的混乱、用户场景较少等原因，难以建立起完整的生态圈，导致Kakaopay的使用率远低于微信支付。本文试图通过对比Kakaopay和微信支付的基础条件、用户场景和生态圈形成，分析韩国移动支付产业发展迟缓的原因，为韩国移动支付发展提出可行性建议。

Kakaopay, as a representative third-party mobile payment platform in South Korea in recent years, has a similar development mode relying on social software with WeChat payment in China. However, Kakaopay's usage rate is far lower than WeChat payment due to the limited financial environment in South Korea, market chaos and fewer user scenarios, which makes it difficult to establish a complete ecosystem. This paper attempts to analyze the reasons for the slow development of Korean mobile payment industry by comparing Kakaopay and WeChat payment's basic conditions, user scenarios and the formation of the ecosystem, so as to put forward feasible Suggestions for the development of Korean mobile payment.