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Mobile payments such as WeChat and Alipay have appeared in our lives, making our lives more convenient and efficient. Now most people are used to not carrying cash when they go out, and they can complete the payment by showing the mobile phone payment code when checking out and paying. Many elderly people have also begun to learn how to use mobile payment, and they believe that they should also keep pace with the times and adapt to the changes of the times, otherwise it is not convenient to go anywhere.
However, the staff of the bank believes that although mobile payment is convenient and saves the trouble of carrying cash and withdrawing money, it is still recommended that everyone use cash to pay. Why is that?
First, mobile payment has entered thousands of households
Mobile payment is known as one of China's "four new inventions", which is enough to see the impact of mobile payment on Chinese society. Many foreigners who come to China are attracted by this fast and efficient payment method, and they find it inconvenient to buy things in China without mobile payment.
Each merchant will basically place two QR codes in front of their stalls, one is the WeChat collection code, and the other is the Alipay collection code. After people choose the goods, scan the merchant's payment code or show the personal payment code, pay the corresponding amount, and you can complete the transaction, which is very convenient.
Most merchants prefer this emerging transaction method, which can save the trouble of exchanging change and finding change for customers, which greatly improves the transaction efficiency of goods. Many elderly people gradually realize that it is not so convenient to use cash in real life, and have begun to learn how to use mobile payment.
In order to encourage people to use this payment method, Alipay will also regularly launch some red envelope promotions. People use Alipay to transact and enjoy some discounts at checkout. More and more people are finding that our lives are gradually inseparable from mobile phones and electronic payments.
2. Encourage the use of cash payment
In the era of universal mobile payment, bank professionals have suggested that we should use more cash. This is mainly due to the problem of transaction security, some criminals may retrieve our personal information through our transaction payment code, and our personal information is leaked before you know it.
But if you use cash, you don't have to worry about this at all. Criminals cannot retrieve any useful information from a banknote, and the circulation of banknotes is very strong, and a banknote is traded out, and in a short period of time, it will circulate and circulate throughout the country.
If we encounter a situation where the mobile phone has no battery and the network is not good, paper money is very useful. In this case, we can still buy goods using paper money, which helps us solve our urgent needs.
The elderly at home also suggested that although we are used to using electronic payment for transactions, it is also good to have some cash with us. In the event that electronic payments cannot be used, cash can also be used as an emergency.
Now there is a new type of theft, that is, by scanning other people's payment codes, stealing other people's money, and obtaining other people's personal information. This method is extremely concealed and generally difficult to detect, and money is transferred in a short period of time. Once you find out that the money is gone, it becomes difficult to track down the criminals.
Now that scammers are becoming more and more advanced, we should also be vigilant when using mobile phone payments. When showing the payment code, pay attention to whether the transaction environment is safe, and keep a safe transaction distance from others, so as not to steal your payment code by someone with intentions.
Third, consumption can be effectively controlled
It is still safe to use cash for transactions, and the bank staff recommends that we use cash, and there is another reason why the use of cash can effectively control consumption. After using mobile payment, people find that money becomes the number in the account, and when they spend, they just feel that the number in the account is decreasing, but there is no actual feeling.
But if you use cash, it becomes different, people will feel that their money is decreasing one by one, and consumption will become more rational.
Some consumers reported that when they used mobile phones to pay, they only felt that they had paid the money by scanning the code, and there was no obvious feeling. When I got home, I found that I didn't need this item very much, and it was really a bit impulsive to consume.
Therefore, in the era of universal popularity of mobile payment, we should not completely rely on this emerging transaction method. Don't forget the traditional transaction method of cash payment, and usually carry some cash with you when you go out in case you need it.
summary
Mobile payments are increasingly used in our lives, but many bankers suggest that we still need to prepare some cash. On the one hand, considering the security of mobile payment, on the other hand, considering the use of cash, consumption can be effectively controlled to prevent us from impulsive and excessive consumption. What are your thoughts on the use of cash?