Nowadays, more and more Chinese rarely carry cash when they go out, and they can easily solve various payment problems with just a mobile phone in hand. This is thanks to the growing popularity of QR code payment in our country, which makes our lives more convenient. As a result, many people develop the habit of not carrying cash.
However, when Chinese go to live in developed countries, they find that people there rarely use mobile phones to make payments. So, why are the people of our country so keen on scanning the code to pay, while the people in developed countries are not keen on it?
First of all, the reason why Chinese people like to scan the code to pay is because of its convenience. No matter where you go, you just need to take out your mobile phone and swipe it to complete the payment. In addition, mobile payments can be used not only for payments, but also for transfers, and there are detailed transaction records. In the past 20 years, if we want to transfer money or borrow money from others, we need both parties to be present in person, sign notes, press fingerprints, and even need a notary public, which is very troublesome. Now, we can borrow or transfer money just from our phone, which greatly simplifies the process.
In addition, mobile payment can also be used to pay gas bills and ** fees. In the past, we needed to go to the gas company or ** company to pay the bill, but now we only need to enter the correct number on the mobile phone, and we can easily solve it. For people who travel frequently, mobile payment brings great convenience. They don't need to rush to the train station in advance to queue up to buy tickets, they can buy train tickets just by doing it on their mobile phones.
In addition, merchants are also very fond of using the *** collection function. In the past, the catering industry needed to prepare a large amount of change when business was busy, and many customers used cash to pay, and merchants often faced the dilemma of not being able to find change. After using *** payment, the merchant does not need to exchange change, which greatly simplifies the process.
However, in developed countries, people rarely use mobile phones to scan QR codes to pay. One of the main reasons is signal issues. In China, China Mobile has more than 4 million signal base stations, even in remote mountainous areas. However, there are only more than 6 million mobile signal stations in the world, and China accounts for 80%, so the signal coverage of Chinese users is very wide. However, in developed countries, most of the mobile signal companies are private enterprises, and they build very few signal base stations, resulting in many foreigners having poor mobile phone signal, and even unable to use mobile phone payment in remote areas.
Another reason is that the popularity of credit cards is very high. In many developed countries, credit cards have been used for up to 50 years, so foreigners are more inclined to use credit cards. Banks can make a profit through the processing fee of the credit card, and if they use *** payment, they will lose these profits, so they are reluctant to promote *** payment.
In addition, foreigners pay more attention to their privacy issues than Chinese and are reluctant to expose their privacy to the outside world. When using WeChat to bind a bank card, we need to enter the ID number, which means that the mobile payment software has all our information. Although China has promulgated a policy to protect user privacy, in the eyes of some foreigners, they are still reluctant to expose their privacy to merchants.
Therefore, due to the above reasons, there are great differences between Chinese and foreigners' concepts in mobile payment, resulting in different social development trends. Although mobile payment has made our lives easier, we also need to pay attention to protecting our information from theft during use.
In short, scanning QR code payment has made our daily life more convenient, but at the same time, there are some problems. When using mobile phones for mobile payments, we need to protect our information from theft. In addition, the reasons why foreigners do not use mobile phones to scan QR code payment are mainly related to market perceptions, credit card penetration, and problems.