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In this era of rapid technological development, cashless payments are becoming a fashion and trend.
From supermarkets to street stalls, whether it's a large purchase or a small purchase, you can complete the transaction with a swipe of your phone.
However, as a veteran banker, I would like to bring a different voice to you: sometimes, paying with cash is also a good option.
This advice is not conservative, but has some practical reasons.
First of all, paying with cash can help you have more control over your personal spending.
In modern society, the temptation to consume is everywhere.
When we use mobile phones to pay, we often do not have an intuitive perception of the amount spent.
And when we pay with cash, every banknote that leaves our hands will make us feel that "money is draining", so that we can be more cautious about consumption behavior.
This personal feeling helps to cultivate our financial awareness and make us more rational in the management of personal expenses.
Secondly, cash payments help protect personal privacy.
Although mobile payment brings great convenience, it also exposes private data such as personal consumption habits and location information to a certain extent.
In the era of big data, the protection of personal information has become more and more important. With cash payment, these traces will not be left, thus protecting personal privacy to a certain extent.
Thirdly, cash payments reduce reliance on technology.
While mobile payments are convenient and fast, they are also limited by factors such as network status, battery level, and more.
If your phone runs out of battery or the network signal is poor at a critical moment, mobile payments may become less reliable.
Cash payments will not be affected by these factors and are more stable and reliable.
In addition, the use of cash to pay also helps to pass on the culture.
The designs on banknotes often contain a wealth of historical and cultural information, and are a kind of inheritance of a country's culture.
Through cash transactions, we can indirectly feel this cultural heritage.
Of course, I'm not against mobile payments, which do bring great convenience to our lives.
My suggestion is that while enjoying the convenience brought by technology, we can also use cash to pay moderately, which can not only protect personal privacy, but also better control consumption, and reduce our dependence on technology to a certain extent.
Choosing a reasonable payment method to make life more comfortable and quality is what we should pursue.
In general, as a banker, I recommend that you can choose cash payment appropriately in your daily life.
Not only will this help us better manage our personal finances and protect our privacy, but it will also allow us to enjoy the convenience of technology without losing respect for our traditional values and culture.
Let's be more sensible and balanced with different payment methods to better serve our lives.
What do you have to say about this? Feel free to leave your thoughts in the comment section!