1, aged 60, these people were born in the 1960s. They are currently in retirement and live on a meager pension every month, so they are very cautious about money. In their cognition, money can only be placed in the bank, and it is not safe to put it anywhere else. At the same time, quite a few of them have never used smart phones, because they can't use smart phones, so it is impossible to use Alipay.

2. At present, the indigenous residents in the vast rural areas in the central and western regions do not use Alipay and credit cards. The main reason is that although the three major operators say that the network coverage has reached 99% or even 100%, in fact, in the vast remote rural areas, the signal coverage of mobile, China Unicom and telecommunications is quite poor, and the stability is extremely poor, which is far less than their propaganda.

3. Some vendors in some poor township markets are willing to use Alipay or credit cards. However, Alipay and credit cards are not allowed to be used in the scenes where he lives and works. The transactions in rural township fairs are all cash on hand and delivery on hand. Few people use Alipay or WeChat for payment.