Why is it that developed countries are not as developed as China, and why are online payments so dev

1. The telecommunication coverage signal in some developed countries is not comprehensive, resulting in the inability of mobile payment to be popularized. I remember that when I was traveling on the Dapeng Peninsula in Shenzhen, many local attractions stipulated that cash payment was required when collecting tickets, and according to the locals, the signal here was unstable and sometimes the money could not be collected. This reminds me of another example, where people on the German subway are reading books, not because they love to learn, but because their mobile phones have no signal.

As of 2018, according to incomplete statistics, China has a total of 5 million telecom base stations, while the United States has only more than 200,000. Let's take a look at the 5G base station:

South Korea has built about 50,000 5G base stations (as of now), and by the end of 2019, South Korean operators will build a total of 230,000 5G base stations in 85 cities in South Korea.

Germany plans to build 40,000 5G base stations by 2021;

The basic scale of China's 5G base stations will reach 5.81 million stations, and this is only the three major telecom operators, not including radio and television networks.

So from this point of view, China is still doing very well among the world's major countries, and this has also laid a very good foundation for the popularization of mobile payment in China.

2. The base station construction of domestic and foreign telecom operators is considered from different angles. The three major operators in China in the base station infrastructure and other activities are more concerned about political tasks, while the United States Pay Pal and Apple Pay, as well as Facebook, SpaceX and Google are from an economic point of view, such as the construction of base stations in sparsely populated remote mountainous areas, through the network, which is obviously the United States companies think that the cost performance is low, unwilling to do, and in China instead need to increase investment to achieve poverty alleviation.

3. The credit card payment system in the United States is very perfect. When you open a credit card in the U.S., you can use it in the first place, not only with a variety of cash rewards, but also with a variety of zero-interest installment activities, and even insurance and claims for flight delays, as well as business reimbursement functions. Some people say that domestic credit cards can also do it!

That's right, but the domestic credit system can't keep up with the United States, so the function and penetration rate of credit cards are not comparable to those in the United States.

Think about it the other way, Americans use credit cards so conveniently, just like we have *** payment everywhere we go, so if we ask Chinese to change to credit card payment, we won't do it! Therefore, the reason why our mobile payment is not popular in some developed countries does not mean how awesome we are and how backward we are, but that people have better payment methods.

The national conditions of each country are different, and China is influenced by entrepreneurs like Jack Ma.

Because each country may have a different focus, China attaches great importance to this aspect.

Because developed countries have their own payment methods, the development of online payment is average.

Because developed countries generally use cash to pay more.

In developed countries, the penetration rate of credit cards is very high, and they trust credit cards very much, and in the United States, credit card payment is basically the mainstay.

Because foreign countries are more supportive of cash payments, each country has a different idea.

Mobile payment First of all, in many developed countries, such as the United States, most of them pay by credit card, because using credit card payment, in their consciousness, is spending the money of the future.

Because their countries do not have this habit, they generally prefer to use bank cards.

This is because they don't like online payments because they think they will invade their privacy.

Because developed countries have become accustomed to the use of credit cards, developed countries have a very convenient way to use credit cards, and mobile payment is actually very similar, so there is no popular mobile payment.

Maybe they don't have the technology to do this, although they are developed, but because they can't develop these things.

There are several main reasons, one is the security of using mobile payment; second, it is caused by long-term habits; Third, it is more difficult for mobile payment to enter developed countries. As the most developed country in mobile payment, China is very popular, which is incomparable with European and American countries, and they have fallen far behind. <>

First of all, there is a bias in European and American countries about the security of mobile payments. For a long time, developed countries such as Europe and the United States have attached more importance to the security of funds and the protection of personal privacy. Although mobile payments are very convenient and fast, there are some risks.

Mobile payment requires a third-party platform as a bridge to cooperate with banks before it can be used. These third-party platforms are bound to increase the risk. The second is that European and American countries attach more importance to personal privacy, and if you use mobile payment, you must enter personal information, which is easy to expose your privacy.

Therefore, residents of Europe and the United States and other countries are reluctant to use mobile payment software. <>

Secondly, it is caused by the long-term habits of European and American countries. Credit cards have always been widely used in European and American countries, and they have been very complete and secure. They encourage the use of credit cards, believing them to be the safest means of payment.

In addition, residents of these countries have become accustomed to the use of credit cards, so they are reluctant to change easily. This has greatly hindered the promotion of mobile payments. In China, however, the use of mobile payments is encouraged by both the state and banks.

People love this payment method very much, and both young and old will use mobile payment. <>

In addition, it is difficult for mobile payment to enter developed countries such as Europe and the United States. Because these developed countries are skeptical about the security of mobile payments, they have set high barriers to restricting the use of mobile payments. This makes it difficult for some mobile payment companies to obtain business licenses and carry out compliance work.

At present, China's mobile payment technology has been far ahead of other developed countries. It is believed that with the continuous improvement of mobile payment technology and the increasing scope of promotion, these developed countries in Europe and the United States may gradually accept it, let us wait and see.

In my opinion, mobile payment is oneOn the one hand, it will obtain the user's information, which is unacceptable to the privacy-conscious masses in the West, and on the other hand, the convenience of credit card payment has been developed in developed countriesLong-term consumption habits have been formed, and mobile payment cannot change the existing consumption base.

China's ability to popularize mobile payment has a lot to do with the existing signal infrastructure capacity and the speed and convenience of mobile phone use. However, due to the national conditions of Western countries and the consumption base of credit cards, the existence of mobile payment is still difficult to change and shake the existing consumption habits.

Credit card purchases in Western countries are more convenient than mobile payments.

Although mobile payment seems very convenient in China, it is due to the fact that the use and promotion of credit cards have not been widely popularized in China in the years of change, so mobile payment can enter the daily life of thousands of households as soon as possible. However, credit card consumption in Western countries has been born for a long time compared to China, and has already been in long-term operation, forming a complete payment system and consumption concept. The advent of mobile payments has not changed this original consumption habit.

There are privacy concerns with mobile payments.

At the same time, the relevant people in Western countries attach great importance to privacy, and the emergence of mobile payment not only makes every account expenditure and income of their own accounts can be checked at any time, but also may leak personal privacy information. Therefore, the method of mobile payment has not been able to gain their popularity and recognition. <>

In many Western countries, the network infrastructure capacity is insufficient to support the realization of mobile payments.

Due to the differences in their respective fields and vast territories, there are very few countries in the world that can make as much effort as China to build signals on a national scale. Therefore, many countries will encounter various problems in using mobile phone payment online, and using credit cards that do not require the network and do not have to worry about the power of the mobile phone is their main way of consumption. <>

Now that China has entered the "cashless era", not only young people, but even the elderly like to use mobile payment tools such as Alipay and WeChat when buying things, and few people will use paper money to pay anymore. At the same time, domestic merchants have long opened mobile payment platforms such as Alipay and WeChat to collect payments. Now even small merchants and vendors who sell vegetables or make breakfast on the roadside can collect money through ***.

Mobile payment has become the mainstream of settlement and payment in China.

However, when some Chinese go abroad to travel, study and settle down, they find that although developed countries have long had mobile payment platforms such as Applepay or Palpay, the citizens of developed countries prefer to use credit cards or cash to pay for settlement.

In this regard, some experts believe that the reason why residents in developed countries do not like to use mobile payment is mainly because they are afraid that their information and funds on mobile payment will be stolen by high-tech means, such as if you accidentally ** a mobile phone APP or enter a fake wifi, it is likely to be implanted with Trojan horses or viruses to steal passwords and personal information when you pay for mobile payments.

Because although this kind of payment is particularly convenient, it is very dangerous, it is difficult to change habits, and the signal abroad is not very good.

Mobile payment is a third-platform payment, and these digital currencies are very difficult to circulate among bank merchant users, which is convenient for users, but the payment process becomes more complicated and adds a lot of risks.

Because this way is very dangerous, it is very dangerous, it is difficult to change the habit, and the external signal is not very good.

Why do the more developed countries are, the more they stay away from mobile payments?

Because these developed countries believe that mobile payment is risky, they can't accept this payment method in their hearts.

Because foreign mobile facilities are not developed, although foreign countries are very advanced in other aspects, they are not necessarily advanced in the field of mobile payment.

There is no strong correlation between the two of them. In developed countries, the development speed of mobile payment is actually not as fast as China's. We were one of the first and most widely launched countries to launch mobile payments.

First of all, the network coverage in developed countries is not as good as China's, and it is still lagging behind, Chinese are now 5G, while Westerners use 3G and 4G. In developed capitalist countries, their telecommunications companies are private, if you want to build a base station, you have to consider the cost, that is, if I invest in it, can I recover the cost, if the investment can not recover the cost, then I will not build a communication base station here. Usually, the communication base stations in developed countries are only built in some important and densely populated large and medium-sized cities, and there are no base stations in some places in remote suburbs.

Unlike our country, it is the best investment in the construction of communication base stations, and never considers the issue of investment, so the coverage rate of China's communication base stations is much stronger than that of developed countries. For people in Western countries, wouldn't it be embarrassing for me to go to the grocery store in the suburbs to buy something, pull out the mobile payment, and see that there is no network signal, so I have to give up? Therefore, people in Western countries are more inclined to pay by credit card.

In addition, Western countries** and financial institutions do not strongly support the use of mobile payments by residents. Because, after using mobile payment, it will move the cheese of financial institutions, and who wants their market share to be taken up by others? And when mobile payment first appeared, our country took an encouraging posture, and Ma Yun even said that banks are unwilling to change, let us change the banks.

Therefore, now the influence of China's mobile payment (Alipay, WeChat payment) is more than UnionPay, while in Western countries, their best interests should be taken into account, and the development of domestic mobile payment companies is not very encouraged. Finally, China has a different starting point from the developed countries of the West, people in the developed countries of the West have already become rich and crossed the $30,000 mark, they think that credit card transactions can protect their own privacy, mobile payment don't look at you is convenient, many of my own private collection and payment are known by others. And we Chinese have only become truly rich in the last decade or so, and they feel that their privacy in payments and fees does not need to be kept secret.

Chinese people are compromising their privacy in exchange for "convenience", so there is a price behind the "convenience" of mobile payment.

Because the population of developed countries is small, and their banking system and mobile payment this connection is not in place, so it is the main factor restricting their development of this business, China is a large land, and there are many people who open accounts, the connection between banks and mobile is particularly good, so China is very popular mobile payment, we are also the largest in the world, the largest system is in China.

The first thing to say is that mobile payments are not widespread in developed countries, not because of technology, but because they feel that they are "insecure" to use mobile payments. In the eyes of residents of developed countries, although mobile payment is very convenient, there are also big "drawbacks", such as easy disclosure of privacy. After all, mobile payment is a "third-party platform", while traditional payment is "peer-to-peer", that is, users pay merchants directly.

To put it in layman's terms, the fact that I buy your things, only God knows that you know and I know. But it's not the same with mobile payments, in addition to merchants and buyers, third-party platforms also know what you bought, where you went, and what you ate at noon. This is unacceptable in the eyes of residents of Western countries, who take the right to privacy very seriously.

On the other hand, whether it is Europe or the United States, or even Japan and Singapore in Asia, these developed countries have long been accustomed to credit card consumption. It is understood that as early as the sixties and seventies of the last century, credit cards have been popularized in these developed countries, and a stable system has been formed until now. Therefore, it is more difficult for residents to change their habits and use mobile payments.

In addition, from the perspective of bank capitalists, allowing consumers to use mobile payment will undoubtedly affect their own interests, so they will not take the initiative to support mobile payment. Unless this mobile payment is in your own name. In China, due to the late popularization of credit cards, the popularity is not high, so we simply skip credit cards and go directly to mobile payment in the Internet era.

In fact, everything has two sides, no model dares to say that it is the best, cash payment has the benefits of cash payment, credit card payment also has the characteristics of credit card payment, and mobile payment also has its own unique label. As for which model to choose, it all depends on the consumer's preference. In our country, for example, although mobile payment has become very popular, people can still use paper money and credit card transactions.

Moreover, the state has clearly stipulated that no unit may refuse to accept RMB.

As for whether the use of mobile payment will leak privacy, it is a matter of "the benevolent and the wise". In the era of big data, it is unrealistic to not use mobile payment simply to avoid leaking personal privacy, unless the Internet is abandoned. To sum up, the reason why we like to use mobile payment is because we feel that mobile payment is convenient and fast.

The reason why Westerners are resistant to mobile payments is because they pay more attention to personal privacy.