Is the 'cashless era' too dangerous? Why is mobile payment less popular in developed countries

Tech 2023-05-15 12:21:08 Source: Network

With the development of the economy and the advancement of technology, people's lives have become more and more convenient. With a mobile phone, one can travel around the world

With the development of the economy and the advancement of technology, people's lives have become more and more convenient. With a mobile phone, one can travel around the world. If you are hungry, you can order takeout on your phone. If you want to travel, you can book tickets on your phone. No matter what you want to do, you can use a phone to solve it. You don't need to bring cash with you wherever you go, because you can pay with your phone. I used to need to bring various things when going out, but now I can just bring a phone.

Although mobile payment is very convenient and everyone has adapted to this payment method, there are still some unexpected dangers involved. Because if you pay by mobile phone, you need to attach a bank card to WeChat or Alipay, and all the money is in the bank card. Maybe because you accidentally click a link, all the money will be stolen. There are some phenomena now that, for those more developed countries, mobile payments are less popular. Why is this?

1 The majority of people in China make online payments

Previously, relevant data showed that the number of WeChat users in China has reached over 1 billion, and the vast majority of people have already started using WeChat. Since everyone is starting to use WeChat, it is inevitable to use WeChat payment. At this point, it is necessary to bind one's own bank card. For young people, these operations can be played around. Binding and unbinding the card at any time can fully ensure the safety of one's own funds, and one can also check how much money is left in one's bank card.

Even if there is an unclear expenditure, you can always check the transaction records to see where it has been spent. So it is still very convenient for young people, and everyone has a high level of safety awareness and will not be easily deceived by others. For others, they prefer to pay with Alipay, and Ant Group also released a data before that, Alipay will have more than 1.2 billion active users in 2022, that is, the same as WeChat.

Many people use both WeChat payment and Alipay payment, which are the main payment methods. But you will also find that only people in our country are enthusiastic about using mobile payment methods, but in other developed countries, this method is not widely adopted. Everyone still adopts the most primitive method, either using cash or directly using bank cards, especially for the United States. So why is this phenomenon happening?

2 People abroad tend to pay with credit cards

Before, when mobile payment was not popular in China, people generally used cash payment. Western countries have been continuously promoting credit cards to promote consumption. People can not only use credit cards in clothing stores, but also in restaurants, hospitals, and anywhere, just like mobile payments in China.

Of course, when paying with a credit card, there are also some preferential policies, such as giving gifts directly to those who have opened the credit card, and encouraging everyone to use the credit card more. In addition, foreign countries have improved their credit card payment system in various aspects to promote consumption, and even linked credit cards to personal credit. If credit has always been good, you can enjoy more benefits.

It is in this environment that people are increasingly trusting of credit cards and using them more frequently. According to relevant data, 80% of people in the United States use credit cards when they go out for consumption. Of course, it can also be seen from movies that Americans generally use credit cards for meals, which may be a safer and safer way for them.

3 Afraid of unsafe mobile payment

Although mobile payment has brought us a lot of convenience, there are also certain hidden dangers. Just like when people usually need to enter a password when shopping, of course, some people will use facial recognition or fingerprint recognition to make payments, but this also carries certain risks. Perhaps some people intentionally steal your password and then try their best to transfer the funds from your phone.

More importantly, there are all kinds of privacy in your mobile phones, including personal information, monthly income and ID number number, which are very important. Some computer hackers will steal everyone's information through third-party platforms and sell it to those criminals. Then some people use telecommunications fraud to swindle everyone out of their money, so these operations carry certain risks, and many countries in Europe and America do not prefer mobile payments.

And now various forms of fraud are ubiquitous, with some people stealing your WeChat or QQ account and pretending that your friends are deceiving you for money, which is the most common form of fraud. Of course, there are also some people who will call you to tell you what product you bought before has a problem, and then need you to pay a certain amount of money on a certain platform. After you pay, you will be deceived, which will also easily deceive you of the money on your phone.

4 The signal from some developed countries is not very good

Everyone will be very puzzled when they see this, because many developed countries in Europe are developing much faster than our country, and their infrastructure construction in various aspects is also particularly good. Can there be a problem of poor signals? In fact, this is a bias that exists among everyone. There are currently approximately 6 million signal devices in the world, but China accounts for a large portion, while the United States only has a small portion. Poor signal is a common problem.

Especially in sparsely populated areas where there are no signal stations at all, if you want to travel for mobile payment, there is no signal at all when you open your phone, let alone enter a password to pay someone else. So, due to signal limitations, mobile payment is relatively difficult for them to implement. So developed countries do not have such conditions either, people just blindly believe that their level is very high.

But we are completely different in China, with various signal towers scattered around the world, even in some remote mountainous areas. Of course, this is also a series of operations carried out by the country to benefit the people. We hope that various places can have signals, and whether it is urban or rural, everyone can enjoy the convenience of mobile payment.

Summary:

Especially for Chinese people nowadays, they have long been accustomed to using mobile phones for payment, and they only bring one phone wherever they go, which is very convenient. Although there are certain hidden dangers, everyone can avoid such incidents by improving their prevention measures. So some developed countries may not adopt mobile payments due to objective conditions. Do you think there are many advantages or disadvantages to mobile payment?

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