Kunpeng Project
Why is mobile payment no longer popular? More and more people are returning to cash
With the widespread use of WeChat and **, WeChat payment, Alipay and other online payments have also appeared, this payment model, with the help of capital, has been welcomed by many people.
Compared with cash, mobile** has many advantages such as convenience and speed, high efficiency, and hygiene.
With the popularity of mobile**, everyone can no longer forget to take the trouble of taking a wallet, and merchants can no longer have to worry about finding money.
But this convenient mobile payment method is not popular, do you know why? There are three reasons to consider.
First, mobile payment is very risky.
First of all, with the popularity of mobile**, there are some cybersecurity issues.
Mobile payment has brought great convenience to our lives, and at the same time, it has also provided convenience for some online frauds.
What we are familiar with, such as account takeover, payment fraud, etc., is the cyber security problem caused by mobile payment.
If you think about it, sometimes a piece of information, without you knowing, will cost a lot of money, and that's the scariest thing.
Even with apps like the National Anti-Fraud Center, it's hard to avoid this problem.
With cash, there is no such concern at all.
Secondly, while entering the information society, people's personal privacy and network security issues in the network have also attracted widespread attention.
By making payments on mobile**, your private information may be stolen by massive amounts of data in the background, which greatly improves your personal privacy.
Moreover, a lot of data will fall into the hands of merchants and financial institutions, and they will use this data to give you some publicity and make you spend more.
Second, the role of consumer psychology on the payment model.
Mobile payments like WeChat Pay and Alipay, in the beginning, many people just wanted to be fresh and convenient.
But over time, many people will realize that with the popularity of mobile phones, their money seems to have become less.
After getting their salary, many times, their salary has been spent before they have been paid.
Moreover, as mobile payments become more frequent, this "novelty" is slowly fading, so it is also possible to explain that the number of mobile payments is becoming less and less.
The payment method of mobile ** creates an uncontrolled spending of money, which is largely related to the payment method of mobile **.
Mobile payments are usually made with electronic money, and when you pay with your phone, you can only see stacks of data without feeling like you are holding it in your hand.
In this way, people will have the illusion that they have lost half of their money before they have used it up.
This has dramatically increased consumer spending.
As a result, under the idea of "throttling" of some people, more people choose to spend money and make themselves "distressed" as much as possible.
Third, the preferential treatment is reduced, and the utilization rate is reduced.
The decline in the number of mobile payment users is related to the decline in its own discounts.
At first, investors in mobile payment platforms were vigorously promoting the use of mobile payments.
And those who are used to buying things with money are attracted by the benefits of mobile payments.
Take Alipay's "face payment" and "WeChat scan code to receive red envelopes" as an example, so that more people can better use and use mobile payment.
But now, mobile payment has been known by many people, and they don't need to advertise anymore, so their discounts have been reduced.
For example, you can clearly see that there are much fewer *** in Alipay than before.
By this time, people who have become accustomed to paying in cash no longer have any appeal.
As a result, these people gradually stopped buying mobile phones.
The conclusion is that everything that happens and develops has to go through the process from prosperity to decline, and the same is true for mobile payment.
More people are giving up on moving** and picking up money, which is also a good response.
With the progress of the times, many things have been created and discarded, just like mobile payments, which have made almost everyone unusable.
Today, however, this "cash payment" model is being revived.
In fact, no matter what method you use to pay, it's up to you.
Which payment method will you choose? Please have your say.