In our country, the popularization effect of mobile payment is very good, but in developed countries, convenient mobile payment does not seem to be very popular. They are reluctant to use Alipay and WeChat. On the one hand, they are worried about the disclosure of personal privacy information, secondly, they are afraid of the security of account funds, and finally they are limited by mobile networks. Due to these reasons, developed countries are not keen on using mobile payment, and people here prefer to spend with credit cards.
We are in an era of Internet of Everything, and the development of the Internet has brought us all kinds of conveniences. Let us shop and eat the surrounding food without leaving home; You don't need to bring cash when you go out, you only need a mobile phone to solve the payment problem. With the face-brushing payment, even the mobile phone is saved. It is precisely because of this reason that mobile payment is very popular in our country. The two giants in the industry are WeChat and Alipay.
with the development of mobile payment in full swing today, the implementation effect is not good in many developed countries in the west. It's not that they don't have such technology, but that people don't want to use it. Under such a mentality, even Apple pay launched by Apple is not popular with people. I personally summed up that people in developed countries are unwilling to use mobile payment for the following reasons. I. Worried about privacy leakage
Mobile payment operates as a third-party platform, which builds a bridge between users and banks, making the whole transaction process smoothly realized. There is no problem with this payment mode on weekdays; But once there is a problem, it will be a big thing. As giants in the industry, Alipay and WeChat both made mistakes. Although the time was short, it still brought panic and anxiety to many users.
payment is a big thing, which is related to the security of our account funds. Therefore, when using mobile payment, there are very strict requirements for the verification of personal identity information. Being able to use mobile payment means that we have handed over personal identity information to third-party platforms. In such a case, it will increase the risk of personal privacy leakage. Even if the platform is not intentionally leaked, it may be attacked by people, causing a large number of personal information to be leaked.
All kinds of accurate sales promotion and fraudulent phone calls received in life are the adverse consequences caused by the disclosure of personal identity information. In serious cases, personal information will also be used by criminals to commit crimes, which will bring harm to myself and society. Second, fear of fraud and theft of funds
"cashless" will make our mobile phone a vital item. There is a lot of personal information in the mobile phone, and once the third-party software is cracked, it can easily transfer all the money in our account. Many people spend a lot of money to find their mobile phones after they have lost them. Through this incident, it can also show that mobile phones occupy an important position in the era of "cashless".
The use of mobile payment allows us to link our bank cards and funds with software. The theft of such accounts is also a very dangerous thing, which means that the other party can control our property and is not limited by time and place. Taking advantage of this weakness, it is also easier to commit fraud, and various disguised QR codes make the user community hard to prevent. Many people have had their accounts stolen and their funds transferred because they scanned the QR code. Third, it is not convenient to use
The realization of mobile payment is based on the mobile network, which may not be very profound in our country. We think that mobile networks exist all over the country, so it is very convenient to use mobile payment. It not only avoids the trouble of bringing cash, but also saves the effort of changing, so everyone is willing to use mobile payment and recognizes this payment method.
the same situation does not apply abroad. Even developed countries can't achieve full coverage of signals, not because they don't have the strength, but because they don't do such things with high investment and low return because their interests come first. Developed countries will not build signal towers in inaccessible places, just because building signal towers here will not bring economic benefits.
where there are no cell towers, the use of mobile networks will also be affected. Using mobile payment, without network support, is a painful thing, but the payment that is close at hand can not be completed because of poor network. This has also affected mobile payment, which is popularized in developed countries. Payment habits in developed countries: credit cards
Credit cards are no strangers to us. There are many people who use credit cards in their lives, but people who use credit cards everywhere are not common. People in western developed countries prefer using credit cards to mobile payment. This way of using it before returning it and using it safely is more popular with them. This is another huge difference between China and the West.
personally, there are many hidden dangers in the use of mobile payment. When there is a network, everything is easy to say. If there is a large-scale disconnection in the future, people who rely on mobile payment will be the first to be affected. Therefore, in our daily life, we should still keep a proper amount of cash at home for emergencies.