The current era belongs to the world of the Internet. All aspects of people's lives may be more or less related to the Internet. All walks of life in the market also closely rely on the Internet in the process of development. It is undeniable that with the blessing of the Internet, people's behavior has become more convenient and faster, especially the emergence of mobile payment, which has made people's daily lives more convenient.
For most people, they may not have used cash for a long time, and even many young people have not seen cash for a long time. People only need to carry their mobile phones to carry out their daily necessities. Of course, generally speaking, mobile payment is backed by a third-party payment platform, and the two well-known third-party payment platforms are WeChat payment and Alipay payment.
Not only that, Juniper Research, a market research company in the UK, also summarized a report on QR code payment for the mobile payment market, among which the top five are Alipay and WeChat . So in addition to Alipay and WeChat, which other three payment software are well-known?
The most significant change that mobile payment has brought to people's lives is lifestyle . Whether people are traveling, working, or shopping, they just need to take their mobile phones to go out, or they can have door-to-door delivery by swiping their mobile phones at home. People do not need to carry a wallet and fill the wallet with cash or bank cards to make currency payments, as before.
As the saying goes, everything has pros and cons. While mobile payment facilitates people's lives, it also has certain negative impacts. For example, mobile payment turns money into a string of numbers. When people use mobile payment, they have no specific concept of the money they spend, and it is very easy to over-consumption or premature consumption of . Under the influence of this consumption concept, many people have fallen into a vicious cycle, burdening themselves with more and more debt.
However, from the overall environment, the advantages of mobile payment still outweigh its negative effects, and from domestic and foreign perspectives, mobile payment is also an increasingly popular trend . According to a report by a British research company, in addition to WeChat and Alipay, the other three payment platforms for are UnionPay International , PayPal , and Google payment . However, PayPal and Google Pay have not become very popular in China, mainly for international users.
Among them, PayPal was established as early as 1998. It is an important tool in international trade payment tools. It covers more than 200 service areas, and there are more than 100 currency types . In the process of cross-border transactions, PayPal is very suitable for . Google Pay was officially launched in 2018. One of its main advantages is that it can integrate different payment functions to facilitate people's lives. The two most popular businesses of are storing air tickets and boarding passes on mobile phones.
However, compared with domestic WeChat and Alipay, the user groups covered by PayPal and Google Pay are far behind. You know, the number of active users of WeChat reached 1.2 billion at the beginning of 2021. After all, WeChat is a platform that integrates social networking and payment, and its platform functions can also be recognized by users. In December 2021, the number of active users of Alipay exceeded 790 million. Therefore, mobile payment is more popular in China, so what is the reason why there are fewer mobile payment users abroad?
First of all, foreigners prefer to use credit cards compared to mobile payments. On the one hand, credit cards can be used as currency payments, and using credit cards for consumption can also make you more aware of the movement of funds. On the other hand, credit card is also a financial management method in the eyes of foreigners.People put money in credit cards, not only can they get certain benefits, but also can get certain points when they consume through credit cards. When the points accumulate to a certain level, they can redeem some goods for free.
Secondly, foreigners pay great attention to their privacy issues. They believe that mobile payment is not safe and it is easy to leak their private information, such as phone numbers, names, etc. They say that the settlement methods they use tend to be cash or credit cards. .
In addition, the consumption system in Western countries is very complete. Since the use of credit cards for payment has a long history, dating back more than fifty years, foreigners have become accustomed to using credit cards for payment. Although mobile payment is convenient, foreigners may not be accustomed to using it.
Conclusion:
Generally speaking, the emergence of mobile payment has indeed brought many changes to people's lives. Especially for the people in our country, using mobile payment is a daily behavior, and the methods of mobile payment are also There are some changes taking place, such as from the initial password payment to the current fingerprint payment and facial recognition payment. It should be noted that no matter what the payment method is, people should pay attention to the safety of their property.
Today’s topic: WeChat and Alipay reach the top, global mobile payment rankings are released: the top five are all familiar names
