In recent years, the popularity of mobile payment tools in China has reached an unprecedented high. Whether it's supermarket shopping, restaurant dining, or bus and subway, people are keen to scan the code to pay. However, those netizens who have been to developed countries have found a strange phenomenon: unlike Chinese who love to scan code payment, residents of developed countries mainly use cash and credit card payment, and few people scan code *** to pay at checkout. So, why do only Chinese love to scan code payment? And mobile payment is not popular in developed countries?
In fact, there are deep historical and social reasons behind this. First of all, the historical trajectory is not the same. China has lived through decades of planned economy, when people did not have many assets in their hands and only needed cash to buy goods. While credit cards have been around for a relatively long time in China, and while the use of credit cards has become more common in recent years, cash is still the safer and more traditional way of paying in the minds of some older and younger people.
The mobile payment platform has risen rapidly and become popular in China. This is because mobile payments are fast and convenient, which is very much in line with today's fast-paced lifestyle. More importantly, when the mobile payment platform is rapidly rising, China has adopted an attitude of encouragement and support, and banks have also actively promoted the application of mobile payment, making mobile payment widely used and promoted in China.
In developed countries, cash and credit cards have been around for nearly 100 years, and residents in developed countries have long been accustomed to using cash and credit cards to pay, so it is not realistic for them to accept mobile payments. In addition, banks in developed countries have been encouraging residents to use credit cards for consumption, mainly because of the large amount of income that credit card business can bring.
On the other hand, residents of developed countries have a strong awareness of personal privacy and asset protection, and they are worried that their consumer privacy will be leaked if they use mobile payment for settlement. In contrast, Chinese residents have a weak awareness of personal privacy and asset protection, so they are more willing to choose convenient and fast mobile payment methods.
Of course, we can't ignore some technical reasons. Residents in developed countries are more aware of asset protection and are more likely to use safe and reliable payment methods for transactions. Cash and credit cards, as traditional payment methods, are highly secure and widely accepted and used.
There are many reasons why only Chinese love to scan code to pay, while developed countries are not interested. Under the influence of historical development trajectory, social and cultural background, bank incentive policies, and personal privacy and asset protection awareness, there are differences in the choice of payment methods between Chinese and Western residents. It also reflects the influence of different social backgrounds and cultural perceptions on people's lifestyles. No matter what kind of payment method, the most important thing is to choose the most suitable method for you and protect your personal privacy and asset security.