How dangerous is "no cash"? Why don't developed countries use Alipay and WeChat to pay?

Mobile payment is very effective in our country, but in developed countries, convenient mobile payment does not seem to be very popular. They don't want to use Alipay and WeChat. On the one hand, they are worried about the disclosure of personal privacy information, secondly, they are afraid of the security of account funds, and finally they are restricted by mobile networks. For these reasons, developed countries are not keen on using mobile payment, and people here prefer to spend with credit cards.

We are in an era of Internet of Everything, and the development of the Internet has brought us various conveniences. Let us shop and eat the surrounding food without leaving home; You don't need to bring cash when you go out, you only need a mobile phone to solve the payment problem. With the brush face payment, even the mobile phone is saved. It is also for this reason that mobile payment is very popular in China. The two giants in the industry are WeChat and Alipay.

Today, with the development of mobile payment in full swing, the implementation effect in many developed countries in the West is not good. It's not that they don't have such technology, but that people don't want to use it. In this state of mind, even Apple pay launched by Apple is unpopular. I personally sum up that people in developed countries are reluctant to use mobile payment for the following reasons.

First, I am worried about privacy leaks. As a third-party platform, mobile payment builds a bridge between users and banks, which makes the whole transaction process smoothly realized. There is no problem with this payment method on weekdays; But once something goes wrong, it's a big deal. As industry giants, Alipay and WeChat both made mistakes. Although the time is short, it still brings panic and anxiety to many users.

Payment is a major event, which is related to the safety of funds in our account. So when using mobile payment, there are very strict requirements for the verification of personal identity information. Being able to use mobile payment means that we have handed over personal identity information to a third-party platform. In this case, it will increase the risk of personal privacy disclosure. Even if the platform is not intentionally leaked, it may be attacked by people, causing a large amount of personal information to be leaked.

All kinds of accurate sales promotion and fraudulent phone calls received in life are the adverse consequences caused by the disclosure of personal identity information. In serious cases, personal information will be used by criminals to commit crimes, which will bring harm to themselves and society.

Second, fear of fraud and theft of funds "no cash" will make our mobile phone a vital item. There is a lot of personal information in the mobile phone. Once the third-party software is cracked, we can easily transfer all the money in our account. Many people spend a lot of money to find their mobile phones after they lose them. Through this incident, it can also be shown that mobile phones occupy an important position in the era of "no cash".

The use of mobile payment allows us to use software to link bank cards with funds. The theft of such accounts is also a very dangerous thing, which means that the other party can control our property, regardless of time and place. Taking advantage of this weakness, it is also easier to commit fraud, and various disguised QR codes make the user community hard to prevent. Many people have their accounts stolen and their funds transferred because they scanned the QR code.

Third, it is inconvenient to use. The realization of mobile payment is based on mobile network. In our country, we may not have a deep understanding. We think there are mobile networks all over the country, so it is very convenient to use mobile payment. It not only saves the trouble of bringing cash, but also saves the effort of changing, so everyone is willing to use mobile payment and recognizes this payment method.

The same situation does not apply abroad. Even developed countries can't achieve full coverage of signals, not because they don't have strength, but because interests are paramount, so they don't do such things with high input and low return. Developed countries will not build signal towers in inaccessible places just because building signal towers here will not bring economic benefits.

Where there are no cell towers, the use of mobile networks will also be affected. It is a painful thing to use mobile payment without network support, but the payment that is close at hand cannot be completed because of the poor network. This has also affected the popularity of mobile payment in developed countries.

Payment habits in developed countries: We are no strangers to using credit cards. There are many people who use credit cards in life, but it is not common for people who use credit cards to pay everywhere. Compared with mobile payment, people in western developed countries prefer to use credit cards. This way of using it first and then returning it safely is more popular with them. This is another huge difference between China and the West.

Personally, there are indeed many hidden dangers in the use of mobile payment. With the internet, everything is easy to say. If there is a large-scale disconnection in the future, people who rely on mobile payment will be the first to be affected. Therefore, in daily life, it is still necessary to prepare an appropriate amount of cash at home in case of emergency.