my countrys mobile payment tools have not been popularized since more than ten years ago.Nowadays, in addition to some elderly and children, most people choose to use code scan payment when settlement payment.However, those netizens who have visited developed countries are confused: Unlike Chinese people who love to scan code, residents in developed countries are mainly used cash and credit card payment. Few people scan the code during the settlement.Code payment.So why only Chinese people love to scan the code to pay?But the mobile payment in developed countries is unattended?
In fact, Chinese people love to scan code payment, and residents of developed countries love to use cash and credit card payment, which are all historical and social reasons: First, historical development trajectory is notSame.China has experienced decades of planning economy. At that time, there were not many assets in people, and only cash was used to buy goods.Credit cards have appeared in China in the 1990s.
In fact, when the credit card has not been fully popular in China, the mobile payment platform has begun to rise rapidly. Because of its fast and convenient payment method methodHowever, it was quickly accepted by domestic residents.In developed countries, the two payment methods of cash and credit card have appeared for nearly a century. Residents of developed countries have long been used to using cash and credit card payment. It is not realistic to let them accept mobile payment.
Second, banks in developed countries have always encouraged residents to use credit cards.Mainly banks in developed countries like to do credit card business, which can bring a lot of income every year.Even in order to encourage everyone to use credit cards to shop, the banks in developed countries also give each consumer points for consumers using credit cards.Obviously, in the face of the profit of the big cake in the credit card market, banks in developed countries are unwilling to give up.When my country has risen rapidly, China has adopted an attitude of encouragement and support.
Third, the residents of developed countries have been wealthy for hundreds of years, and they have experienced several generations.Pay attention to.Therefore, residents in developed countries are worried that the use of mobile payment for settlement, the privacy of their own consumption will be leaked, and the use of cash and credit cards will not happen, and personal privacy leaks will be leaked.
Similarly, my countrys residents have gradually become rich since the reform and opening up. Everyone is not too concerned about personal privacy. Most people think that using mobile payment for settlement is very convenient and fast.In fact, Chinese residents also sacrificed personal privacy when enjoying the convenience of mobile payment.For example, you bought a few clothes every month and called takeaway several times, and you will be learned by the mobile payment platform.
Fourth, the awareness of residents in developed countries has a strong sense of protection of assets, and Chinese residents do not pay enough attention to asset protection.For example, some people use mobile payment tools for settlement payment. When they encounter illegal merchants, they can transfer the customers funds on the mobile payment platform through the means of hackers.As long as residents of developed countries use cash or credit cards for settlement payment, the funds on the mobile payment platform will not be stolen.
Why only Chinese people love scan code payment, but no one in developed countries?This is a historical reason. After my countrys reform and opening up, the credit card in the 1990s had just appeared, and before it was promoted, the mobile payment platform rose rapidly.For decades of cash and credit cards in developed western developed countries, it has already developed habits.
At the same time, the awareness of personal privacy and assets in Western developed countries has a strong awareness of personal privacy and assets, while domestic residents have a weak sense of prevention.Of course, the government and banks of Western developed countries attach great importance to the credit card market, and they also encourage residents to use Credit card consumption, and it is not so supportive for code -scanning payment.
