Why is China s proud mobile payment rejected by developed countries?

Nowadays, mobile payment has been very popular in China, from the first and second tier cities to the eighteenth tier small villages, from large supermarkets to small roadside stalls, as long as there is network coverage, you can see the figure of mobile payment. Many countries have shown high appreciation for China's use of the Internet. However, on the other hand, some developed countries have "incomprehensibly" backwardness in the Internet.

Among them, there is the "mobile payment" that people are proud of.

Among the world's major developed countries, mobile payment is far less popular than China. Although it is said that the Japanese invented ***, they did not carry it forward. The United States has led the world in the mobile phone industry for many years, but it has not paid attention to mobile payments.

Could it be that China is on the wrong path? Or is it only China that is on the right track? So why is China's "proud" mobile payment being collectively rejected by developed countries?

One of the reasons is the network coverage problem, many people think that China's 4G network is very slow, in fact, this is mainly because there are too many users in China, in fact, China's network coverage is very high。According to relevant data, China has 5 million communication infrastructure, while the United States has only 200,000, and Japan, South Korea and other countries have fewer telecommunications base stations.

Even in many parts of the United States, especially on intercontinental highways, there is not even a mobile signal. In the past, British people could only read books on the subway, just because there was no mobile phone signal.

The second reason is the problem of habit, for European and American countries, their credit card usage rate is very high, and for a long time, they have become accustomed to this payment methodYou must know that the credit card payment system in the United States is still very perfect, and in order to make credit cards popular in a large area in China, relevant financial institutions in the United States even do not hesitate to take various welfare measures.

They find credit cards very convenient and very affordable. Naturally, many people are reluctant to make changes.

The main reason is cultural differences, in today's Chinese society, the law is not particularly perfect for the protection of personal privacy, and the residents' awareness of protection in these aspects is not very strong.

For Japan, which invented ***, they attach great importance to personal privacy, and the Japanese do not use mobile payment precisely because they are afraid that their personal privacy will be leaked. Although it is very convenient to scan the mobile phone, what type of goods you consume, when and where you consume them, are collected by Alipay and other payment platforms, which is unacceptable to Japanese residents.

The biggest reason is because developed countries think that this is just a small technology, and they don't like it very much.

Because developed countries don't have the technology yet, they may be jealous.

Because in developed countries, generally they don't use mobile payments, you all swipe cards.

Because developed countries think that mobile payment is a soulless payment method.

The biggest reason is probably because they think it's a very earthy thing that people don't like.

Probably because those developed countries don't use this kind of mobile payment at all.

This is because this kind of payment method breaks the traditional methods and has a deep impact.

Because in developed countries, people still usually use bank cards and credit cards.

I think it's because they are envious, jealous, and hateful. That's why they reject us like this.

This cannot be generalized, because mobile payment is the general trend of future payment, and with the development of the times, mobile payment will get better and better. The advent of mobile payments has revolutionized the way we pay. Nowadays, many people pay with their mobile phones, and few people can pay with cash.

We have all entered a "cashless era". However, in some developed countries, mobile payments have been very excluded despite the popularity of the internet.

And the information**. We've all seen this year's movie, The Call of Madness. Our payment records, shipping records, transfer records, and any spending records will be **. You have no way to hide your life, so your information may be trafficked.

I don't know about other countries, so I'll talk about Japan. Japan has a privacy law that protects personal privacy very strictly, so there are very few public cameras in Japan, and cameras will only be installed in private places, and it will be more difficult to solve the case. Mobile payment is the same, all consumption records will be recorded, and it is by enterprises, not banks, bank supervision level is relatively high, so they are relatively confident in privacy protection, so credit cards are still more common.

But mobile payments are enterprise-grade. Insufficient regulation.

Don't think that our mobile payment model is very developed and think that we are leading the world, in fact, many developed countries pay attention to tradition. On the other hand, in fact, too rapid development will inevitably lead to a waste of resources, and steady development is the most advantageous to weigh the two.

Why write so much, there is actually only one reason for the rejection of mobile payment, and that is to move the interests of the existing rich and middle class, so that their assets have more uncertainty in the era of mobile payment. Therefore, these developed countries try to delay the implementation of mobile payments as much as possible. This is the most fundamental reason!!

Internet companies participate in the circulation of goods in developed countries in Europe and the United States is unimaginable is strictly controlled, the same is true of mobile payment, as for why: destroying the economic ecology will cause huge economic disasters, the truth and the Yangtze River and the Yellow River you straighten them a reason.

First, mobile payment will greatly reduce the cost of employment, which means that it will reduce employment opportunities.

Second: mobile payment is not much different from credit card payment, and foreigners have long been accustomed to credit cards. It's just that most people in China don't have credit card habits and mistakenly think that mobile payment is very advanced. Similar payment methods have been used by others for many years.

Because the more developed countries are more popular in terms of card payment and previous payment methods, and then get used to those payment methods and the vested interests that operate these payment methods, the company is relatively strong, so in the era of mobile payment, several factors have prevented the development of mobile payment.

In China, if you use a credit card and go to the supermarket to buy dozens of things, the cashier will despise you, or even directly refuse to help you swipe it, but not with mobile payment. Foreign credit cards are very popular, any consumption payment, you only need to report the credit card number, every month waiting to collect bills, how convenient, you must bring a mobile phone mobile payment to do. Just like the mobile phone number we have used for more than ten years, we have bound various accounts, will you easily change the number?

Because other people's credit card systems are perfect, if the development of mobile payment will damage the interests of banks, this is why domestic mobile payments are made by private enterprises, but banks do not engage in ---

In China's mobile payment finance moved the cheese of the bank, the early inattention led to the mobile payment bigger, the later stage is difficult to contend with, there is a lesson from the past, the foreign banking industry must collectively resist, because it will affect their interests, such a good and convenient thing all foreigners come to China to say good, as for privacy leakage, the world is as black as a crow, how can ordinary people come to privacy, all of them are used by these companies to create profits.

In fact, developed countries have a characteristic, that is, the power of financial capital is very large, and mobile payment will divide a large part of the interests of the traditional banking industry, in order to protect the vested interests of financial capital interest groups, of course, will not allow mobile payment, although it is conducive to improving the benefits of the whole society, new things to develop and grow.

Banks in developed countries are basically private companies, and mobile payments have reduced profits for banks, so banks are against it. However, individuals feel insecure and other problems because of cognitive problems, which is mainly the result of the propaganda led by bank capital.

Because mobile payments give people a sense of privacy. Developed countries pay more attention to personal privacy. Mobile payment can learn your living habits, frequent visits, consumption habits, monthly income, movement tracks, and other invisible personal information.

Another point is real-name authentication and network construction. China's bank outlets, mobile network coverage is better than theirs, state-owned enterprises bear political tasks, villages and villages are connected to the network, almost everyone has a bank card, mobile phone number, so Alipay, Tenpay only need a verification code to open the business for you, which behind the face-to-face verification of the person's certificate number in one business are undertaken by the bank, the operator, saving the mobile payment company how much trouble.

First, the thinking is solidified, and there is a reluctance to accept more advanced things. Second, non-mobile payment means are already mature and do not require mobile payment. Third, the overall start is later than others, and there is no market.

In the form of payment, we started late in China, but directly jumped to the third generation of mobile payment, coupled with national policies and other reasons, it quickly became popular. But foreign their second-generation credit cards