Why do older people prefer to use banknotes in cash rather than using mobile phones to pay?

Some older people go shopping on the streets and like to pay with banknotes, which is simple and fast. Because the elderly do not know much about the operating principles of smartphones, they do not understand the payment platforms on the mobile phone such as Alipay and WeChat payment functions, and the payment methods and processes are unclear. I always feel that using mobile phones to pay is too cumbersome and complicated, so I have to be careful when paying. I am afraid of overpaying the other party, and I am also worried that I will be deceived by others and transfer the money away, causing financial losses. It is true that as the elderly age, their brain memory declines. Children often teach their parents to use mobile phones to pay, but they forget it after learning it in person. They are not as flexible as young people's brains and strong memory, so they can understand it as soon as they learn it. Facing high-tech products, it is normal to feel unsure and have resistance, as well as some fear and rejection. After all, the high-tech era now makes it difficult for the elderly to do what they do!

With the advent of the Internet era, mobile payment has entered our lives. Whether shopping online or ordering takeout, you don’t need to carry cash when you go out, as long as you have a mobile phone. You have a mobile phone as your "housekeeper" for whatever you want to buy, because with WeChat and Alipay on your mobile phone, you can just "scan" it and pay the money to the merchant. It not only avoids contact with unhygienic cash during transactions, but also saves you the trouble of carrying cash and making change. Fast and convenient, it is very popular among young people nowadays.

However, you will find that most elderly people still do cash transactions, and they don’t pay much with mobile phones. Many elderly people do not like to use mobile phones to pay, but still prefer to use banknotes in cash. It is probably due to the following reasons:

"Habit becomes natural". Since they are said to be elderly, they are over sixty years old, especially those in their seventh or eighth decade. It can be said that they have been accustomed to the transaction method of "delivering goods with one hand and paying with one hand" in their lives. Even if they know how to pay with their mobile phones and scan the QR code, they still feel empty and still owe money to the merchants without giving them cash. Paying with banknotes in cash has become a habit and is difficult to change. On the contrary, mobile payments are still considered unrealistic and troublesome.

No sense of security. Mobile payment is very convenient to use. I have even seen beggars asking for food with QR codes in their bowls. Now even first and second grade students in primary schools use mobile phones to pay for things. But for the elderly, there is still some doubt about the security of mobile payment. They feel that with the Internet being so developed, they are likely to be deceived. It's better to pay in cash, it's safer to keep your own money in your pocket.

There is no Internet outside. Elderly people also use mobile phones to read news and information, and they also have WeChat video calls with their children and grandchildren. These are all done at home, where there is broadband. After leaving home, the elderly have no internet connection on their mobile phones. The reason for this is obvious. Old people don’t know how to use a “master key” to surf the Internet, and their own mobile phone bill of 20 yuan a month is too high. When I got outside, I didn't dare to turn on the data network. There was no network and I couldn't pay by mobile phone, so I had to pay in cash.

Don’t know much about mobile payment. I personally heard an old man pointing at the QR code I placed and saying, "I don't believe the money is in it. Where do you think the money is? It's really ridiculous. The old people don't believe" the QR code. "If you have money, of course I think cash is reliable.

Let’s get to the point. Nowadays, when using mobile phones in shopping malls, restaurants, express highways and other places and projects, most of them refresh the screen, and it is very convenient.

But this is almost all a "side benefit" for middle-aged and young people. They have mastered mobile phone numbers, passwords, and bank codes on bank cards. Even if the elderly have several bank cards, But I always forget my password and cannot normalize this device. This is the actual situation. Does the questioner agree?

You are right, but this is only a superficial phenomenon. The old people think that money, It’s money! Nothing else. Material can represent money, and money can also buy things, but they must be two things. When you use WeChat to pay or use other Alipay, you have to use your mobile phone, right? When you lose your wallet, you lose a lot of money! It's not just the money you have with you. With cash, it's clear how much you need to pay and how much you need to pay.

It stands to reason that paying with cash is easier than using a mobile phone! Can you try operating it with your mobile phone and see how many actions there are? Your phone has run out of battery and crashed. Aren’t you deliberately setting up some obstacles for yourself in the process of using money? Not to mention that the bank card is frozen, and suddenly the mobile phone cannot be used in an accident, and you can't even pay for life-saving money! Forget it, it’s best for everyone to do their own thing and not interfere with each other! And don’t say others are lagging behind. OK?

Nowadays, daily life has basically implemented a cashless transaction model. Whether it is shopping malls, shops along the street, hotels, restaurants, or even vegetable markets, you can directly use mobile payment methods to make transactions. The use of cash has gradually declined. However, there are still some elderly people who are still willing and like to use cash banknotes. There are many reasons for this phenomenon. Today we will analyze the following points. 1. Perennial habits are hard to change

We all know that mobile payment only began to appear and become popular in recent years. But for the elderly, their consumption and transactions in the past few decades have been mainly cash. They have become completely accustomed to the use of cash, and can even be said to be dependent on it. Now let them simply change their trading method, and they will be at a loss. Moreover, in their view, using cash is simpler and clearer, and transactions with physical banknotes are more in line with their consumption habits. Every expense is paid in cash from your own hands to the other party, so that they will have a better impression of the payment and know how much they spent. 2. Not trusting mobile devices and worried about financial security

In fact, the reason why many elderly people don’t like to use mobile phones to pay is that they are worried about not being safe enough. Because they do not understand how mobile payment works and do not know the security prevention and control system of mobile payment, they feel that mobile payment is unsafe to some extent. They always feel that there is a possibility that they will be overcharged when paying, and they are also very afraid of it. Your deposits will be easily stolen by others. In particular, mobile payment must be bound to a bank card, and the elderly will worry about the safety of the funds in their bank cards. 3. The mobile phone does not operate smoothly and cannot use various functions.

Most of the mobile phones on the market today are smart phones. Young people accept new things very quickly and can adapt quickly even if they are constantly updated. But the elderly are different. Because they are relatively older and the education they received back then is fundamentally different from that of young people today, it often takes longer to learn about relatively new things like smartphones. Learn exactly how to use it. For the elderly, the cost of wasting time is very high, and they may not have the patience to learn it carefully, so they don’t like to use mobile phones to pay. In addition, some elderly people use mobile phones for the elderly, which generally only have simple basic functions such as making calls, but are not equipped with software such as Alipay and cannot make mobile payments.

In fact, the vast majority of elderly people feel that it is safer and more practical to have cash in their own hands, without having to worry about the risk of capital loss. In addition, physical banknotes give them a more real sense of things, but if the balance is displayed digitally, they will not have a real sense. They always feel that there will inevitably be omissions in this value, which will affect their deposits.

Of course, not all elderly people like to use cash. In real life, some elderly people are still willing to use Alipay, because with the update and iteration of mobile payment, mobile payment methods have indeed become more and more popular. It is getting easier and easier to use, and it is also very friendly to older people. If the user experience is good, people will naturally be willing to use it more.

I'm happy to answer your questions.

Nowadays, mobile payment has become a common phenomenon, and cash payment is becoming less and less popular, but it still cannot be replaced by mobile payment, because a large number of elderly people in our country prefer to pay with cash. The reasons are as follows:

2. The old man has used cash for most of his life and suddenly switched to using mobile phones to pay. It is difficult to change the habit

3. Refuse to accept new things, thinking that it is not safe to store money in mobile phones, and it is more practical to keep it in your own hands.

4. Even if some elderly people have smart phones and have installed payment software, they still like to use cash because they are too lazy to learn the payment methods and steps

5. Some elderly people are literate Low, illiterate, can’t use mobile phones, and can only pay with cash

Last year, I bought a smartphone for my dad, installed it with WeChat, and told him how to pay with WeChat, but the result was not much He still couldn't use it, so I asked him why he still couldn't use it after teaching him many times. He said that he was old and would forget easily if he didn't use it for a few days, and the numbers in his mobile wallet didn't feel like money. Since then, he has been paying in cash, and only uses his mobile phone to make calls and WeChat videos.

In short, there are many reasons. Compared with mobile phones, cash can give people a sufficient sense of security. Perhaps this is the main reason why many elderly people choose cash payment.

Maybe in a few years, cash payment will become a memory!

I hope my answer will satisfy you, thank you!

This thing is really not absolute.

There are four elderly people in our family, my father, mother, father-in-law, and mother-in-law.

Nowadays, only my mother-in-law does not know how to use a smartphone. She always carries a small bag with one or two hundred yuan in it for shopping.

Like my father, mother and father-in-law, they basically go out with their mobile phones. From showing their health code, to simply buying groceries and paying change, and scanning their faces to authenticate their pensions, they still use smartphones. Very skilled.

It is true that some elderly people in their 70s and 80s are a bit old and illiterate themselves, and cannot master the applications of smartphones at all. They may rely more on cash.

When people become familiar with smartphones, they find that mobile phones are becoming more and more user-friendly. You don’t have to read words, you can use fingerprint to unlock, use voice to chat, and now even typing can be converted to voice. Pay for fingerprint authentication and you don’t even need to enter a password. Therefore, more and more people are becoming more and more dependent on mobile phones.

I believe that in more than 10 years, the facial recognition mode will become more and more convenient, and some elderly people will not even need to carry their mobile phones.

According to some information disclosed by the central bank, the central bank is studying digital currency and fully realizing paperless operations of transactions by digitizing banknotes.

Slowly, banknote cash will withdraw from the stage of history.

Don’t be too mean when talking about the question. Although the elderly have not kept up with the times, it is not that they are unwilling to learn, nor that they like to use money as you said, nor that they have a hard-working mind. For the elderly, For example, paying with banknotes is faster and does not waste young people's precious time. We should understand the helplessness of the elderly.

My parents are over 80 years old. They used to be very fashionable people. In the 1950s, their home not only had transistor radios, but also the latest domestic semiconductor radios; in the mid-1980s, they bought the latest A fashionable 18-inch color TV; I bought a computer and a mobile phone in the early 1990s... But in the past few years, I have really failed to keep up. Instead of progress, I have been regressing. Smartphones have been replaced by simple-to-operate old-age phones.

Mainly because my eyes can’t see clearly. Although my mother had cataract surgery five years ago, she now has yellow spots under her eyes, and she can't see clearly even with the big Plus.

She saw that others were using smartphones to pay, which was very convenient and to avoid losing money while carrying it with them, so she bought a large-screen mobile phone, but she needed reading glasses to see clearly. Every time she went out to buy When paying for something, you first have to find your reading glasses from your bag, then put your phone on your face and shake your head back and forth several times to adjust the correct distance and find the APP. My fingers are a bit stiff and I have to click several times to open the software. I often cannot see clearly and need help from the cashier.

What a young man could solve in seconds took her several minutes. The people behind her were waiting anxiously, and she herself was embarrassed.

Especially because I can’t see clearly, I often enter the wrong decimal point when entering prices. Once I bought a dish that cost more than 5 yuan, but ended up paying someone more than 500. Thanks to the kindness of the landlady, I refunded the money in time; Another time when checking the checkpoint at the checkout point, my finger was stiff and slanted, causing the store clerk to chase me half a street. I felt like I was making a joke to the neighbors. I was so embarrassed that I would never dare to use my smartphone again in the future. She feels that banknotes are more convenient. When she can't see clearly, she can just touch the size and number of sheets.

Before she goes out to buy things, she often brings some change of one yuan and ten cents, because she is worried that there will not be enough change in the store and it will make it troublesome for others to find money. Unlike many small supermarkets nowadays, where there is no change, you can just throw money at customers for a few pieces of candy whether you like it or not. In fact, you are selling products in a different direction and ignoring business ethics.

This year, her salary will be paid to the social security card. She no longer uses a passbook. She must use the mobile phone Minsheng APP. She is very enthusiastic about this new thing and asked me to download the software for her and teach her how to use it. Every time, I need to use a magnifying glass to see clearly the words on the smartphone, and then write down the program step by step. After a few days, it couldn't be opened, so he asked me to check again. It turned out that the APP had been upgraded. After the upgrade, the search path had changed. I put on my reading glasses again, held my phone in one hand and a pen in the other to record the operation steps... It wasn't her. If you don’t work hard, it’s really difficult!

Not to mention my father, whose Alzheimer's disease is getting worse and worse and can't remember the operating procedures at all, let alone the passwords. Every time I go shopping, I give a bunch of money to the shop owner, and he pays as much as he wants, without knowing the price at all.

Our country is entering an aging society, and there are more and more elderly people. As Chinese people with fine traditional morals, as well-educated young people, and as juniors with a high level of education, we should not look at problems narrowly, let alone use harsh language to talk about the elderly. What we should do is to help them, appeal for them, and relieve their worries. If you have the ability, develop simpler and faster electronic products suitable for the elderly, so that when you are old, you will not be despised by some selfish juniors.

Answer, I think using banknotes as cash is practical, practical, and has a sense of reality, because money is earned, saved, and paid with sweat, water, tears, and blood, and it is paid with care. Mobile payment is fast, convenient, and a trend. It is a product of social development and progress. However, people always think that it is ethereal and they don’t know whose money is being used. Moreover, money comes and goes without feeling, as if it is hundreds or thousands. I'm not happy even if it's tens of thousands or hundreds of thousands. It's the same when I draw it out. I don't feel it and I don't feel any pain. Thank you.

I once asked my mother the same question, why don’t you learn the current WeChat payment method? My mother answered this way: It’s not that I don’t want to learn. I’m older now, my eyesight is not clear, and my brain is not working well. It’s very difficult. I don’t know how to do this, so I don’t dare.

What can I say? I am also very helpless. In fact, why should the elderly not worry about this matter? Especially the elderly who were born and raised in rural areas.

Once I went to a provincial capital to see a doctor. After I returned, I was full of helplessness: "The hospital no longer provides on-site registration. It is all electronic registration and electronic payment. All kinds of instructions are also digital and electronic, and they can't It’s too difficult to see a doctor using a mobile phone. Even buying a bottle of water next to the hospital has to be paid by scanning the QR code at the vending machine. I don’t know how to pay with my mobile phone, so I can only endure my hunger and long for the sky. Without the company of young people, It’s almost impossible to move an inch.”

How many young people understand the world of the elderly? I think life is getting harder and harder for the elderly.