I think so. Huabei, Jianbei, and Baitiao are actually functions similar to those of a credit card. You consume first and then pay back. The popularity of mobile payment will gradually reduce the number of credit card users. If the number of users is less than a certain number, the number of people promoting credit cards will gradually decrease. Mobile payments will definitely have some new features. Credit cards will not disappear in a short time, but they will gradually decline