Living in the 21st century, it is difficult not to be affected by convenience products such as mobile payment, such as WeChat or Alipay, which provide payment platforms for our daily consumption, and now few people can avoid these two major software and continue to follow the traditional cash transaction method, right? This is more like the progress of the times, after all, there are certain hidden dangers in traditional payment methods, and the cumbersome process will naturally not be accepted by modern young people; but do you know that in today's mobile payment is in full swing, more and more people choose to "escape from Alipay", they are not willing to continue to put money in the balance treasure to generate interest, but follow the traditional way to deposit in the bank.
▲Balance treasure
Escape from Alipay
Presumably everyone has the experience of losing money when they are young, it may be that the mother gave 5 yuan to let us buy a bottle of soy sauce, and as a result, the money was lost because of greed, and it was inevitable to be scolded, which is the major drawback of the traditional payment we mentioned above. The rise of mobile payment has greatly improved the convenience of life, going out to eat, shopping, traveling, etc., only need to carry a mobile phone to complete all the payment links, and many Apps to provide us with information platforms, so that we can experience the customs and culture of various places without leaving home, which is indeed an unparalleled progress.
▲ Banks
And now the use of mobile phones so that everyone is no longer afraid of the trouble of losing money, even if the mobile phone is lost, it is difficult to steal our money, which has to unlock the mobile phone password, payment password, bank card password, etc., even if the bank can find the real culprit of stealing money through the online capital inflow channel, and then bring it to justice, this is the charm of mobile payment. It is reasonable to say that mobile payment provides us with such a convenient life, we like to use it is also the common sentiment of people, just like WeChat and Alipay, now who can leave them? Some people are really able to leave, and some people are calling for staying away from Alipay and Balance Treasure, and returning to the basics and putting money into the bank.
▲Alipay
Alipay is not as easy to use as expected
What's going on here? In fact, the reason why Alipay can attract us to put deposits into it before, convenient transactions are secondary, the real key is that the annual interest rate given by Alipay's product Balance Treasure is really attractive, when the general interest rate of the bank is 2.3%-5%, the balance treasure has raised the interest rate to 8%, which is a real discount for the people who love deposits, so everyone will take the money out of the bank and put it in the balance treasure. But now the annual interest rate of Yu'e Bao is continuing to decline, and has reached a scale similar to that of banks, and the deposit competitive advantage of Yu'e Bao no longer exists.
At this time, depositors suddenly found that Alipay is still a private company after all, and its products, no matter how good, always carry the risk of failure; although banks have no competitive advantage in deposit interest rates than other financial institutions, they are better than stability. During the new crown epidemic, the interest rate of Yu'e Bao has shrunk sharply, and the bank has nothing to give, how much interest or how much interest to give; this makes everyone re-recognize the stability of the bank, so more people have given up Alipay and continued to put money in the bank.
If one day the bank accidentally goes bankrupt, there will be a new takeover bank to make up for our losses, but if Alipay is bankrupt, then the money we deposited is really finished, and the reason for this has been seen by many people. In addition, with the obstruction of the listing of Ant Group, Alipay-related business has been greatly reduced, and people's distrust of Alipay has begun to deepen, which has prompted some people to choose to flee Alipay.