In today's mobile payment development, the habit of offline POS card swiping has gradually been replaced by mobile phones. According to one data, the credit card offline POS card swiping frequency dropped for the fourth quarter. At present, POS payment is less than 30% of the online payment.
Big enough to buy electrical appliances, small to go to the supermarket or convenience store to buy a cup of tea, more and more people are used to picking up the phone, and let the credit card and cash sit quietly in the wallet. After "with mobile payment, with 50 pieces of cash, I think it is a huge sum", there is a paragraph "Why is the card debt less spent? I dare not come up with your WeChat wallet and Alipay bill" They are very vividly describing the quiet changes in people's payment habits, and credit cards are being impacted by paying the QR code one by one. After all, compared to buying a cup of coffee for 39.9 yuan, you can't find change or a coin to smash it, and buying a 2 dollar newspaper card is not too tangled, and the card signature is up to 3 minutes waiting. It’s too convenient to take out the “drop†of the mobile phone. Moreover, you don't need to fill out a long form to prove your income ability, and wait for a small card for one month. Especially in the case of strong third-party payment institutions, from the convenience store downstairs to the supermarket on the corner, from the fruit shop on the street to the soy milk shop that eats breakfast every day, even the doorstep of the out-of-town department store is full of The mobile payment agency and the QR code of the three-party payment agency always have a moment when you will take out your mobile phone and scan it. This convenience and low threshold is enough to entice people who have already fallen into the trap of the mobile age to change their habits.
According to the same data, in the first quarter of this year, the per capita consumption of mobile payment after 90s was less than the 70 and 80 after the relatively strong financial resources, but the frequency of use was the highest, and it was more inclined to small expenditures. In the post-90s that grew up in the Internet age, mobile payments are more infiltrating into their lives. With the development of mobile payment and the passage of time, in the mobile Internet era, after the growth of the 00 and after the 10th and 20th, the payment habits will gradually become virtualized, and there may be changes that are not currently imaginable. This is not just a phenomenon in China. The emergence and gradual popularization of Apple Pay also proves this.
Of course, a slight difference from Apple Pay is that mobile payment in China is not only due to a simple payment behavior. Just as Uber has a substitution effect on taxis, WeChat has a substitution effect on SMS, but Uber is not a taxi and does not want to be a taxi. WeChat is more obvious than SMS is not a thing, mobile payment is the same as POS payment. When using third-party mobile payment checkout, it will automatically jump out of the merchant's member discount information and automatic points; payment through the gourmet application, there is a discounted price and can also be reviewed; online buy movie tickets, you can choose not to queue at the scene Block... All of this has formed a network. E-commerce, mobile payments and personal information are closely linked together. Business promotion, customer analysis, personal habits, and consumption trajectories. These once fragmented points are densely packed. Distributed on this web, it depicts a personal image based on consumption.
With the development of technology, people are constantly seeking the virtualization of means and the reality of perception. Mobile payment and VR applications (virtual reality) are typical examples. Mobile payment is not just a substitute for POS payment. It shows a different lifestyle and a new possibility. Perhaps it will continue to develop, develop into a form that is now unimaginable, and it may be quickly replaced. No one can predict, and this is the highlight of this era.
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