The more developed the country, the less popular mobile payment is?

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.

Mobile payments. There is a certain risk, for example, some people scan some unknown *** in the process of payment, resulting in the leakage of personal information. A lot of developed countries.

Mobile payment is not popular, because the local people feel that mobile payment may infringe on their personal privacy, resulting in personal privacy being leaked. In our country, mobile payment can be said to be very popular, and now few people will bring cash when they travel, and most of them use Alipay or WeChat to pay. Mobile payment is indeed convenient for our lives and is liked by many people, but it is not popular among foreigners.

Foreigners pay attention to privacy and are stricter than us Chinese. No matter how convenient mobile payment is, foreigners will not choose to use it, and mobile payment is launched by a third-party platform, which requires customers to complete all their details and face recognition, so some foreign people will feel that they may collect their own big data information, so they don't particularly like it.

In fact, mobile payment is not as complicated as everyone thinks, and it is not as scary as everyone thinks. Like our country, the most is to use Alipay or WeChat to pay, and Alipay and WeChat are also two more powerful platforms, and the management is also relatively strict, and it is impossible to have a stolen number. If the number is stolen, we can go directly to the bank to freeze our bank account.

And our mobile signal in China is better than that of foreign countries, with a total of 6 million signal stations in the world. Among the 6 million signal stations, there are 4 million in our country, so the signal in our country will be better, and the mobile payment abroad may be stuck for half a day, so it will also affect their own payment. Especially in the process of queuing, if everyone is stuck for half a day when paying, it will greatly affect the speed of payment, so the way to use cash payment or card swiping in foreign countries is faster than mobile payment, and everyone will definitely choose a more convenient payment method.

There are some risks associated with mobile payments; Because in these developed countries, they don't like to use mobile payments, they think it's more dangerous, and in these developed countries, sometimes the signal is not very good.

Mobile payment has a certain risk, and these developed countries are mainly afraid of certain dangers or consequences, so mobile payment is not popular.

There are risks; Because people in those countries are very concerned about personal privacy, they think that mobile payments are likely to reveal their personal information.

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.