What are the risks and disadvantages of mobile payment?

Mobile payment is regarded as one of the four new inventions in China (the other three are e-commerce, high-speed rail and bicycle sharing). Mobile payment refers to the payment of goods confirmed by ordinary mobile phones or smart phones, rather than cash, checks or bank cards. Payment of mobile payment standard. Mobile payment standards have been formulated for more than three years and are favored by consumers. Mobile payment is gradually replacing cash transactions and becoming a new transaction subject, so what impact will mobile payment bring?

What are the advantages of the development of mobile payment?

1, convenient: In the past, you needed to carry your wallet and money, and there were many kinds of money, which was very inconvenient to carry. Only one mobile phone is needed to use mobile payment, which is more convenient and fast. Mobile payment giants WeChat and Alipay both have their own wealth management products, which allow users to save money in Qian Shengqian. In the past, they had to deposit in the bank for a fixed period of time, which was troublesome and time-limited. With mobile payment, you can manage money easily with your fingers, take it out at any time and use it at any time.

2. Safety: Many people have had their wallets lost or stolen. Using mobile payment to deposit money directly into WeChat and Alipay can prevent theft.

3. Environmental protection: Before the emergence of mobile payment, paper money was widely used, but in the process of circulation, paper money would be damaged. After a period of time, banks need to recycle paper money and destroy it. If a large number of banknotes are destroyed, it will undoubtedly cause damage to resources and the environment, and mobile payment has greatly changed this phenomenon and played a role in reform.

4. Cognition: Mobile payment allows payment information to be fed back to users in time, so that users can have a better understanding of their own property. So that users can manage their money reasonably, make account statistics and consumption statistics, and control their own funds reasonably.

6. Offers: There are many mobile payment offers, such as paying by WeChat and paying when Alipay is full. These activities are very frequent. If there are any preferential activities, just turn on the phone and have a prompt, so that you can better grasp the preferential information.

Disadvantages of mobile payment:

1. Information leakage: With mobile payment, the platform will grasp the personal information of consumers. If improper management or hackers obtain personal information through illegal channels, it will lead to information leakage, and criminals may have serious consequences for users.

2. Based on the use of mobile phones: Due to the great convenience of mobile phones, few people go out with money now, but mobile payment is based on the smart phone platform. If the phone suddenly runs out of power, power or no network, the transaction cannot be carried out.

Generally speaking, the popularity of mobile payment will reduce the circulation of money. Some people say that thieves in this society are going to lose their jobs now, and your information may be mastered by others. I'm talking about the direct impact of mobile payment.