When I saw this question, I asked a question. I think the question is not contradictory.

First of all, with the rapid development of electronic payment methods in recent years, from the beginning of Alipay to leading the development, and later to WeChat, banks, UnionPay, etc., it can be said that a hundred schools of thought are blooming. People gradually like to pay with mobile phones (replacing cash payment and card payment on a large scale). I think you should realize that this definitely makes my life more convenient. I don’t need to take cash, I can pay directly with my mobile phone, and maybe I will pay with my face in the future.

Then let’s talk about the relationship between convenient payment and advanced consumption. Fast payment methods make us rarely touch cash. The concept of money is just a number or a display of credit limit. It can be said that it will definitely promote It improves our consumption and facilitates our consumption, but it has little to do with advanced consumption.

The last thing I want to say is, does the electronic payment mentioned by the question refer to e-commerce (new consumer payment forms such as JD.com, Taobao, etc.), or credit consumption (credit card, Ant Credit, Huashan) Wait), if it is the above mentioned, I think it promotes some advanced consumption!

But the last thing I want to say is, consume according to your own situation to avoid personal debt crisis.

It must be said that electronic payment has indeed made people’s lives more convenient. It can be said that people sit from home and things come from the sky. Now when we go out to buy things, we don’t even need to take our wallets. We can do it all with just a mobile phone. You can even buy it directly online and have it delivered to your home. This undoubtedly facilitates our lives and promotes our consumption. After all, it is convenient and we don’t have to go out and move our fingers directly. However, this is convenient for people who can control themselves, but for those who pursue a luxurious life , for those who are too lazy to buy the Tao, it will undoubtedly make them even more wasteful. So you still have to restrain yourself! Some people say that as soon as I started using Taobao or JD.com, I felt guilty. I always want to buy everything I see and then pay. This may be fine for rich people, but some people want to buy even if they borrow money. . I just want these people who borrow money to be tolerant and do what they can. In short, the rapid development of electronic payment has both good and bad aspects. It not only promotes consumption, but also cultivates the spendthrift character of some people.

I think electronic payment is not only convenient for us, but it also facilitates premature consumption to a certain extent. We should be cautious about impulsive and irrational consumption!

First of all, various electronic payments have indeed saved consumers a lot of time and labor costs compared with previous cash payments, and they can conveniently and quickly complete payment transactions for all aspects of food, clothing, housing and transportation online. This convenience With the rapid development of the information age, consumers are becoming more and more addicted to sex. On the contrary, if there is no electronic payment, the progress of the entire society will be affected. In particular, online payment tools represented by Alipay and WeChat Pay have become the most important inventions in the new era!

But on another level, the convenience of payment has also brought about the growth of impulsive and irrational consumption! With the rise of electronic payment, more and more people have experienced the satisfaction brought by purchasing behavior. In the era of cash payment, if the same kind of demand satisfaction can reach 80%, it would be very high. However, in the era of electronic payment, not only The demand can be met 100%, and even the demand ratio that will be achieved in the future can be enjoyed in advance because of the convenience of electronic payment. In other words, society has created some new product demands to stimulate consumer purchases and thus achieve consumption satisfaction of consumer groups, such as self-media shopping live broadcasts, such as Singles’ Day Carnival, Double 12 Shopping Festival, XX New Year’s Day, XX Platform Anniversaries, etc., these marketing strategies are all based on the convenience of electronic payment. Convenient electronic payment consumption has driven continuous changes in the productivity and production relations of the entire society. We recognize the social progress brought about by this kind of electronic payment, but at the same time, as users of electronic payment, we should maintain a cautious attitude: that is, we can not only enjoy the fruits of progress in the information age, but also curb impulsive and reckless advanced consumption. the disadvantages brought about.

In terms of social phenomena, it is the progress of society. In terms of practical means and utility, a kitchen knife can make delicious food in the hands of a chef, but it is a murder weapon in the hands of a gangster.

Is electronic payment convenient for us or for advanced consumption? I think electronic payment is a sign of progress of the times, which greatly facilitates all aspects of our daily lives, and advanced consumption is just one of the forms. Let’s analyze it from the following aspects:

Starting from 2018, I basically no longer carry cash. I only carry my mobile phone, keys, and ID card with me when I go out. From paying household bills, mortgage insurance premiums, buying train tickets, ordering takeout, shopping and entertainment, etc., all needs for food, clothing, housing and transportation can be met through electronic payments such as Alipay and WeChat. Moreover, electronic payment saves me a lot of time and brings greater convenience to my life.

From the perspective of convenience, the advantages of electronic payment are unquestionable.

Thanks to electronic payment, settlement between enterprises has become more convenient. Alipay and WeChat payment are powerful tools for corporate promotion and financial turnover. Similarly, many companies have earned money on Taobao and WeChat applets. The first pot of gold, from the perspective of entrepreneurs, these platforms provide entrepreneurs with a stage, while electronic payment tools provide entrepreneurs with excellent trading and financing tools.

Premature consumption is not the fault of electronic payment, but the result of financial institutions, banks, merchants and other businesses taking advantage of consumers' inner desires and impulses to suit their needs.

For example, some women like beautiful clothes and have searched for clothes of a specific brand online. Then merchants use big data analysis to recommend products and preferential information, or use live broadcasts to attract consumers step by step. The trap of premature consumption.

Summary: Electronic payment not only facilitates our lives, it also provides convenience to merchants. As ordinary people, we must learn to recognize our own inner needs, make good use of electronic payment tools, and avoid various excessive consumption routines.

The impact of electronic payment models on consumer behavior

In the past 10 years, the launch of Internet services has revolutionized traditional payment methods and also had a negative impact on consumer behavior. far-reaching impact. While electronic payment brings convenience to people's lives, it also has an important impact on people's consumption behavior. Therefore, it is of great significance to study the impact of electronic payment models on consumer behavior. China's online payment field and scale are in a leading position in the world. People can purchase goods and services through smartphones and online platform payments.

Consumer behavior is the study of consumers’ purchasing decisions and the relationship between various factors that affect purchasing decisions. Traditional theory believes that the factors that affect consumer behavior are income level, consumer preferences, permanent income, etc. With the popularization of electronic technology, electronic payment methods have quietly had an important impact on consumer purchasing behavior. For example, providing payment methods for borrowing and consumption will stimulate consumers' current consumption demand, because when consumers improve current liquidity through credit, they can increase the demand for goods and services in the current period. The traditional way of shopping is for people to enter a physical store, select items, and then line up at the checkout to pay. Nowadays, consumers can pay through mobile applications, and the smartphone can be used as a mobile wallet. In 2005, our country officially began to propose the concept of electronic payment. Since then, electronic payment has been widely used in many areas of life. Currently, UnionPay payment system, third-party payment platform and NFC mobile payment system have become the three main camps of electronic payment in my country. Various electronic payment methods use their own advantages to provide more efficient and convenient services to facilitate people's food, clothing, housing and transportation, and change people's consumption behavior.

1. The current situation of electronic payment

As an emerging payment method, electronic payment has not been born and developed for a long time. The payment method that appeared on the online banking of Bank of China and China Merchants Bank in 1998 was the earliest online banking payment. In the second year, third-party payment companies represented by Huanxun Payment and CapitalEasy Payment appeared, making the online payment industry gradually grow. With the innovation of communication technology and the popularity of mobile phones, major banks have launched mobile banking services. And around 2010, we entered the explosive period of APP, and various third-party payment platforms also occupied the high ground of major online shopping websites, updating users’ payment experience in many aspects of technology and services.

1. Promotion of online shopping and electronic products

Research shows that in household consumption, especially in the consumption of young families, the stronger the liquidity constraints, the higher the consumption expenditure. few. The more convenient the payment method, the easier it is for consumers to increase consumption on short-term impulse. Traditional consumer payment methods have brought great convenience to consumers, from the initial gold, silver, and banknotes to today's electronic payments. Electronic payment platforms such as Alipay and WeChat allow consumers to purchase goods and services in the real “physical” world – the Internet. This significant reduction in the cost of shopping time gives e-commerce companies more opportunities to gain a foothold and can cooperate with famous brand companies or, in some cases, compete head-on with physical stores. Therefore, by introducing new technologies and launching e-commerce and mobile services, shopping websites and actual products can be connected through only a desktop computer or mobile phone, which has become more and more mainstream in consumption and payment. Survey results show that by 2017, tablets and smartphones are expected to account for more than 85% of all smart connected devices. Therefore, when the payment system changes, new payment methods do change people's consumption behavior. The extent to which consumer behavior changes, and the circumstances under which it changes, will depend on the type and magnitude of changes in payment systems. The more convenient the payment method and the more popular electronic payment is, the more conducive it is to the growth of consumption. This is not only conducive to the increase in consumer demand, but also greatly promotes total social demand, thereby stimulating economic growth.

2. Security issues in electronic payment

As an important payment link in e-commerce, electronic payment directly involves the financial security of users and operators. Therefore, payment security is one of the core issues of electronic payment. In real life, consumers using mobile devices have stricter privacy requirements than consumers using personal computers. This requires mobile Internet terminal applications to share data on the basis of ensuring the validity of customer authentication and ensuring the security of information. This is different from the open, transparent and open characteristics of the Internet. The key for payment providers is to support the entire payments landscape with efficient, reliable and secure services. Despite their deep-rooted reliance on smartphones, consumers still want a convenient way to pay without having to worry about the processes and security issues behind the transaction. Some retailers, including large fashion chains, are increasingly focusing on ensuring that tech-savvy Millennials have a smooth checkout process both in-store and online, so they don’t get bogged down by complex payment processes and Safety issues lead to loss of sales groups and further strengthen customer loyalty to the product. Such initiatives have a positive effect on social and economic development, because all GDP is the result of transactions completed using some form of payment. For retailers, they can establish an efficient, fast and secure payment system to connect with customers at the right time and place based on existing relationships. This is also an effective means to attract new customers.

2. Electronic payment promotes market consumption

The reason why the Internet is so attractive to researchers is that the Internet is an important promoter of human progress. As a consumer group that can adapt to new technologies, they have adopted electronic payment as a shopping medium and become an indispensable shopping tool. Therefore, there is an emerging trend of online shopping and electronic payment among consumers. Electronic payment relies on online shopping, which not only facilitates consumers' shopping, but also actively promotes market consumption.

The study found that the reason why money is valued in the economy is because money, as a general equivalent, overcomes various frictions caused when it is missing, obtains various use values ??through exchange, and satisfies consumption desires. At the same time, money is important because it helps agents overcome transaction costs. Sometimes it serves as a store of value, allowing for better distribution of consumption across time. In either case, the circulation, payment and storage functions of currency cannot be ignored, and it is natural for people to have a sense of worship and cherishment of currency.

Services such as door-to-door delivery, online payment, and 7-day no-reason returns provided by e-commerce platforms make online shopping more and more relevant to people’s lives. In the process of using electronic payment, people cannot perceive the outflow of funds, so they do not feel cherished. On the contrary, they enjoy the joy brought by consumer products.

Therefore, in this sense, electronic payment promotes market consumption to a certain extent. Consumer demand is one of the troika that drives economic growth. The increasing use of electronic payments has a profound impact on boosting total demand and thus stimulating economic growth. Electronic payment reduces consumption costs and allows people to enjoy shopping without leaving home, which undoubtedly increases the choice opportunities for consumers and businesses. These microeconomic changes play out in the economy and ultimately affect macroeconomic conditions. Existing studies have shown that payment methods have a significant impact on consumption limit. Compared with payment by credit card and vouchers, payment with cash has a higher consumption limit. The reason is that the pain when paying in cash is even worse. The pain makes consumers restrict their consumption behavior and reduce the possibility of over-consumption. All in all, the popularity of electronic payment methods is beneficial to consumption and rapid economic growth in many aspects.

3. Electronic payment changes consumption habits

If we take the fashion retail industry as an example, consumers follow their favorite brands on social media, browse online stores, and even try out products virtually. These technologies for trying on clothes in the dressing room have become a reality. Now consumers only need to click a button to complete payment, and sometimes the goods are even delivered directly to them on the same day. This is a repositioning of the relationship between retailers and customers that changes almost every aspect of the shopping experience. Nowadays, many consumers no longer choose to shop in physical stores, but are keen on shopping online. Online shopping has reduced consumers’ information search costs and changed shopping habits. In the past, consumers needed to spend most of their time on weekends going to physical stores for shopping, but now they only need to use their spare time at work to quickly complete online selections and shopping payments, which greatly shortens the shopping time and process. And when shopping online, you can also enjoy the convenient service of direct door-to-door delivery. In recent years, technology companies such as Apple, Google and Samsung have been offering new payment methods for some time. By streamlining the payment process, they promise to strengthen and increase customer loyalty. Retailers have similar aspirations and are willing to accept one or more payment options in their brick-and-mortar or online stores to expand their payment offerings.

Emerging technologies and changes in payment methods create new shopping experiences and continue to change people’s consumption habits. For example, due to the continuous development of the Internet, smart refrigerators are becoming more and more popular. "Smart" refrigerators can automatically monitor their filling levels at all times and can send a message to their owner with a shopping list when the product is running low. If the shopping list is confirmed, the owner only needs to pay electronically for the items, choose a suitable location to pick up the goods, and all the goods they need will automatically appear in front of the consumer. The days of searching shelves and waiting in line to pay are definitely numbered. Innovations in these technologies and payment methods have not only changed consumer behavior and needs, but are also constantly refreshing everyone's consumption habits.

4. Electronic payment affects consumer preferences

Consumers’ product preferences are also different under different payment methods. In the state of cash consumption, consumers focus on the cost of the product. When people pay for goods and services with cash, they will carefully compare costs and benefits, and consider many factors such as their own income level, habits and hobbies. The proportion of successful payments will drop significantly; and under the conditions of electronic payment, consumers are more Focus on product effectiveness. When using electronic payment methods to complete purchases, consumers tend to pay more attention to the degree of satisfaction after purchase, while ignoring many factors such as cost. It is easy to increase the probability of payment under short-term impulse stimulation.

Payment methods also have a great impact on the process by which consumers perceive products. Experiments have proven that when consumers’ concept of cash is activated, consumers prefer products that are daily necessities. As a means of payment, money is exchanged for goods and services that satisfy desires. Once goods and services enter the consumption field, their use value will disappear. Therefore, consumers will make prudent purchase decisions. Only when they meet the necessities of life, food, clothing, housing and transportation, will they pay rationally; when the concept of swiping credit cards is activated, consumers prefer to promote type product. Electronic payment methods make consumers unable to feel the outflow of cash, so it is easy to breed illusions, increase the psychological pleasure of consumption, and ignore the sense of stinginess in payment and the degree of cherishment of costs.

When consumers see the same product when shopping in a physical store and online, there are two typical scenarios: When shopping in a physical store, users are generally in a separate evaluation state. When seeing this product recommendation advertisement, the consumer enters the "individual evaluation" state. At this time, he cares about whether the product itself is good, how it makes you feel, and whether the price is acceptable. The possible outcome is to complete the purchase directly via cash payment. And if consumers enter transactional e-commerce companies such as Taobao and JD.com, their psychology will change. In transactional e-commerce, users are generally in a "joint evaluation" state. At this time, you pay more attention to the comparison of many products and look for some information that interests you. For example, which store has the largest sales volume, many positive reviews, price and other factors. It can be seen that consumers have only switched their evaluation methods, but their standards and preferences for product selection have undergone tremendous changes.

5. Conclusion China has become the world’s largest mobile payment market and will lead the world. Institutions at home and abroad, including the United Nations, are full of expectations for the arrival of a cash-light society. The gradual decline of credit cards and cash is inevitable, mobile payment and even biometric payment will become mainstream, and transaction efficiency and speed will be greatly improved. In the future, electronic payments will continue to attract consumers and have an important impact on consumer behavior.

The most popular electronic payments we know are WeChat red envelopes, Alipay red envelopes, and our most common QR code payment. Other ways are the API interfaces opened by third-party payment institutions. Merchants can also implement Internet electronic channel payments after accessing their third-party API interfaces. The most common payment is through the payment interface or QR code.

What are the conveniences we bring to you?

The first is our bank transfer and collection. Generally, traditional business requires us to queue up at the bank separately to handle bank deposits, transfers and other related businesses. After electronic payment is activated, customers can transfer money directly. It is not necessary to give cash to merchants for merchant accounts. In addition, it is very troublesome and unsafe to carry large amounts of cash for business. However, with electronic payment, money can be transferred to the account of the merchant or counterparty quickly and conveniently.

With the emergence of cash jia chao, since electronic payment has become increasingly mature, you would have accidentally received jia coins, but this situation will not happen now. Both the payee and the payer are equally safe banks. Account, you can directly transfer in and out from electronic payment, which to a large extent avoids the danger and loss of receiving Jia coins.

Refunds from other places originally required going to the bank to handle the business, which took a long time. Now it can be done directly through mobile phones, which greatly saves customers' time.

Merchant’s repayment from customers, if the merchant’s business volume is very large, if a merchant receives repayment from many customers, it can now be operated directly from the Internet in batches.

In general, electronic payment has brought us a great reduction in the time and cost of handling cash business.

But it is undeniable that the convenience and speed of financial payment have improved our efficiency and greatly increased the probability of many people falling into scams. The development of credit cards and consumer finance has made more people without self-control and financial planning Falling into debt crisis

Payment, also known as payment, payment, mostly refers to payment. It is a financial exchange that occurs between buyers and sellers. It is a process of transferring monetary claims caused by social and economic activities. Payments include trading, clearing and settlement.

Then payment is a digital financial tool. The derived auxiliary tools include electronic payment, online payment, third-party deductions, etc., which play a very important role in the financial market.

Some people say that the 21st century is a payment market and a consumption market. Where there is supply, there is demand, and where there is demand, there is supply. Then payment is the bridge between supply and demand. In fact, it makes sense. With the rise of online shopping and the growth of credit cards and electronic money, various third-party payments have emerged spontaneously, such as Alipay, Tenpay, Kuaiqian, etc., that is, convenience It has saved us and stimulated consumption.

As for the electronic payment mentioned in the question, it is an objective fact that it is convenient for us. Advanced consumption is a kind of consciousness and is caused by people's subjective will. It can also be said to be rational consumption and irrational consumption. Consumption consists of rational consumption that takes into account that income can balance expenditure and that one can have enough confidence in the future, and vice versa.

So there is a contradiction in this issue. Nothing can determine anything, and nothing can be decided. Everything has its natural laws of the market, there is yin and yang, there is good and there is bad, the key is It’s about the angle from which you view the problem.

It is convenient for you, but your ability to control your consumption depends on you

The essence is to facilitate our consumption, and excessive consumption is the greed of human nature