In the field of mobile payment, Alipay's Huabei and Borrowbei are undoubtedly two bright stars. With their convenience and flexibility, they have won the love of many users, especially the post-90s generation. However, recently, many post-90s users have begun to choose to withdraw from these two major credit payment tools. What is the reason behind this? Next, let's dive into the three factors behind this phenomenon.
We would like to mention the shift in the perception of consumption. The post-90s generation, growing up in an era of rapid economic development, has witnessed the rapid development of Internet technology and experienced the great richness of material life. However, as they get older, many post-90s generations have come to realize that spending ahead brings more than just short-term gratification, and is more likely to lead to debt. Therefore, some young people have begun to actively avoid the use of Huabei and borrowing, and instead pursue a more rational way of consumption.
But there are many netizens who said that it doesn't matter if it's closed, anyway, the amount given is not high, and now many people have used the self-flower on WeChat *** to replace Huabei to borrow, and the amount given is high and convenient.
The lack of trust in lending platforms is also a factor that cannot be ignored. Although Alipay has a strong background and technical support, with the frequent negative news of various online lending platforms, including personal information leakage, usury traps and other issues, these have made post-90s consumers have a potential sense of distrust in lending tools. For the sake of their own financial security, some vigilant users choose to stay away from credit payment methods that may bring risks.
We have to mention the popularization of financial literacy. With the increasing emphasis on financial education, more and more people realize the importance of rational financial management. Especially the post-90s group, they have enhanced their awareness of financial planning through the Internet, books and other channels. After understanding that over-reliance on credit tools may have a negative impact on personal credit, these young people began to reduce or even stop using Huabei and borrowing, and instead planned their financial situation through savings and reasonable investment.
Behind the withdrawal of the post-90s generation from Huabei and borrowing is the inevitable result of the maturity of consumption concepts, the lack of trust in lending platforms, and the popularization of financial knowledge.