Text: Three-three
Do you still have cash when you go out? Nowadays, people's lives have changed dramatically with the advent of the Internet era. For many people, it is more and more convenient to go out now, after all, as long as you bring a mobile phone to meet all, electronic ID cards, electronic tickets, mobile payments, etc., especially with the popularity of mobile payment, cash payment seems to have a tendency to be replaced.
It can be seen that the uncles and aunts of the roadside stalls have begun to use mobile payment, for them, young people are more using mobile phones to pay, so they also have to conform to the trend of the entire era, from the previous "one hand to pay for one hand delivery" to "one hand to sweep the two-dimensional code and one hand to deliver".
The data shows that at present, There are 1.151 billion WeChat users and 1.2 billion Alipay users in China, and with the development of science and technology, more third-party payments have begun to appear, and the use of cash has been further restricted. According to the data released by Chinese Min bank, the scale of China's mobile payment business reached 123.220 billion in 2020, and the amount of payment was 432.16 trillion yuan, an increase of 21.48% and 24.50% respectively year-on-year. The rapid growth of online transaction volume announces the arrival of the "cashless era", which is also an inevitable trend in the development of science and technology.
In fact, mobile payment is not the first in China, there was mobile payment in the United States a long time ago, that is, Apple's Apple pay, this payment method is similar to the domestic WeChat, Alipay payment, as long as you take the mobile phone payment, but it is not popular in developed countries such as Europe and the United States, nor has it been recognized and accepted by people. Therefore, many people are curious, the development of science and technology in developed countries is also very fast, why is mobile payment not accepted by people? In other words, why is mobile payment less popular in the more developed countries there are?
The dangers of the "cashless era"
Although mobile payment is convenient, it has no security guarantee, that is, the "cashless era" is very dangerous. The mobile payment we use belongs to the third-party payment platform, this third-party payment platform builds a bridge to cooperate with banks, so that digital currency circulates between merchants, users, and banks, which is very convenient for users, but also makes the entire payment process become complicated, invisibly increasing risk.
Secondly, the use of third-party payment platforms, it is necessary to enter personal information into the payment software, the addition of third-party platforms, so that the risk coefficient of the entire payment chain becomes higher. The first is that we need to enter our personal information into the payment software, but no one can guarantee that the third-party company can store our personal privacy? Will they sell our privacy?
For people in some developed countries, they pay more attention to personal privacy, so they are reluctant to give their privacy to third-party platforms, which is too insecure for them. After all, in the era of big data, the possibility of privacy leakage is too great, otherwise where do those fraud gangs get our personal information? In fact, in addition to European and American countries, there are many incidents of telecommunications fraud and network fraud in China.
With the rapid development of the Internet, the fraud technology of some criminals is also becoming more and more sophisticated, especially electronic payment, which is invisible and intangible. Sometimes as long as you scan the two-dimensional code with the virus, your personal information and payment information can be obtained, and the money on the mobile phone can disappear; even if someone clicks on the link with the Trojan horse program, it will be regarded as "prey", and the bank card will also be "targeted". In this way, these criminals will get the user's payment password, and then they will lose property, making you defenseless.
Usage habits are difficult to change
In fact, for some people in developed countries, there is another main reason why they are not keen on mobile payment, that is, the popularity of credit cards. In addition to the policies of some countries that advocate that they use more credit cards, the credit card payment system in these countries is also relatively perfect, and sometimes the use of credit cards is closely related to their personal credit.
In the United States, for example, many banks send cash to users who open new accounts to incentivize users to use credit cards. Not only that, in shopping, if you can still points with credit card payments, some points may be higher than the interest on the deposit, which is a very favorable thing for them, so people will basically prefer to use credit cards. Statistics show that in the United States, the average person has almost 2.9 credit cards, and more than 80% of people use credit cards to pay. Therefore, they are accustomed to using credit cards in daily life, just like we are now accustomed to using WeChat and Alipay to pay, naturally there is no need to change overnight.
If the bad signal abroad makes mobile payment difficult to become popular, some people may think it is impossible, but it is true. There are more than 6 million signal stations in the world, China accounts for 4 million signal stations, while the United States only has 35 signal stations.
Moreover, for some developed countries, the signal stations established are basically used for business and have capital, so it is not that all developed countries have good signals, especially in some relatively remote rural areas, and it is normal to have no network. However, China has built so many signal stations for the needs of the people, especially in recent years, the more signal stations have been established in more remote places, the use and purpose are different, and the results achieved are different.
This also means that if you are in a more remote place abroad, you cannot make mobile payments. Therefore, their mobile payment can not become popular, which is why many foreigners after coming to China, quickly get used to mobile payment, and fast mobile payment is a very useful thing, but after returning to their own country, they can not use mobile payment at all.
In general, the use of mobile payments in some developed countries is very low, mainly limited by their countries and various objective reasons. Nowadays, due to the increasingly widespread application of mobile payment in China, many foreign countries have begun to use mobile payment, but the penetration rate is still very low. It is estimated that it will still take a long time to wait for the advent of the global mobile payment era. What are your thoughts on this?