I used to say that I didn't dare go out directly without a cent in my pocket, but today, the answer is very different.
With the rapid development of Internet finance, more and more online payment software has emerged. After the initial adaptation period, everyone has tasted the benefits of online payment. According to the survey, more than 70% of the netizens interviewed said that cash is no longer a necessity of life. As a giant of Internet payment, Alipay made an astounding decision not long ago to push China into the cashless society in 5 years. Can this move be achieved?
A trend which cannot be halted by Alipay's development is the fact that the development of the Internet industry is irresistible. In the economically developed and well-equipped areas, the normalization of payment for mobile electronic represent the general trend.
I believe many people feel the same about this, especially for the citizens living in big cities, the online mobile payment method has become the first choice for everyone to buy. Whether it's shopping malls, restaurants, or even going to the vegetable market to buy a dish, every merchant also has a payment QR code for you to scan. When you go out, you only need to bring your own mobile phone, and you don't need to use it any more I'm worried about the embarrassment caused by forgetting or not enough money.
But mobile network payment has become a trend. Does it mean that cash transactions can be completely banned? In this regard, China National banknote printing and mint Corporation has also expressed its own view: mobile payment is the product of the times, which is of course needed by everyone, but banknotes can never disappear, which is the need of the country. Although the proportion of direct cash payment in the overall transaction continues to decline, considering the huge number of our citizens, the absolute amount of cash is still very considerable. It can be said that mobile electronic payment can not completely replace cash payment.
Big data from the country tells us that the circulation of banknotes has never stopped increasing. For a country, the issue of money is an important embodiment of national sovereignty. It is impossible for a country to stop the circulation of money, and it is also a way to regulate social mobility. There is no other way to replace it.
If you think about it again, Internet technology and mobile payment have not been fully popularized in so many remote areas of our country. In addition, considering the age group, the acceptance of this payment method by the elderly is also relatively low. These are the obstacles that hinder the mobile payment method.
And in some cases, mobile payment is not necessarily more convenient than cash payment. Looking back on history, this is not the first time that electronic payment has impacted cash payment. In the period of the rise of bank card and credit card, it is also impacting cash payment. However, mobile payment is more convenient, so it has become a more preferred way for the public.
In essence, the mobile network payment is also priced in RMB. Its use is only a more convenient way of paper money payment, and does not replace the status of paper money. Whether it's direct cash transaction or electronic payment, they all have their own advantages and disadvantages. You can use whichever you want, so there will be no substitution.