Sihai network

Mobile payment data release to see how much you spend each month

Mobile payment has been widely used in our daily life. Many people have the habit of no cash now. A recent report on mobile payment has been reprinted on the Internet. It analyzes the characteristics of mobile payment in China. Do you know how much per capita consumption of mobile payment per month? What are mobile payment needs to be prevented? Let's have a look at it.

The number of mobile payment users in China has reached 570 million

According to statistics, the number of mobile payment users in China has reached 570 million. In the third quarter of last year, the number of mobile payment businesses handled by the banking industry increased by more than 70% year-on-year. Mobile payment has become one of the most commonly used means of payment in daily consumption, such as catering, convenience stores, online shopping, transportation, medical care, takeout and so on.

Last year, the monthly consumption per capita of mobile payment reached 2600 yuan

According to the survey, the respondents spent an average of 2600 yuan per month using mobile payment last year. Among them, the monthly consumption of entrepreneurs is the highest, more than 3000 yuan; the monthly consumption of full-time housewives and it practitioners is also more than 2800 yuan; the monthly consumption of students is 1952 yuan, but for every 5 yuan they spend, 2 yuan is spent through mobile payment.

Rapid popularization of biometric verification payment

In terms of payment method, QR code payment occupies the mainstream position of mobile payment, accounting for more than 80%. However, biometric methods such as fingerprint payment are widely used. Among men under the age of 35, biometric has become the most frequently used verification method.

The incidence of fraud decreased and the per capita loss increased to 1800 yuan / year

Mobile payment is easy to use, but it also faces more risks than traditional payment methods. According to the survey of China UnionPay, in 2018, the incidence of fraud suffered by consumers in mobile payment decreased, but the per capita loss expanded, from about 1600 yuan in 2017 to about 1800 yuan.

Using QQ wechat and other social account fraud, encountering phishing link to defraud bank card information, fake base station SMS fraud, using the excuse of handling credit card cash to defraud verification code, scanning unknown QR code and stealing funds are the five most common forms of fraud for mobile payment users.

Several easily neglected risks in payment should be prevented

Spring Festival is near. Whether you go home or buy new year's goods, you will spend more than usual. Here are some of the most easily overlooked risks in the current mobile payment. Please take more precautions.

First of all, when replacing a mobile phone or not using a mobile app, you should remember to delete the payment information left in the mobile phone, and release the binding relationship between the bank card and the payment software, otherwise there will be a certain security risk, causing unnecessary losses.

Second, it is particularly dangerous to install mobile applications from unknown sources, including scanning QR codes from unknown sources. According to the survey of China UnionPay, it is one of the main risks faced by mobile payment to actively install unknown documents jumped out of mobile phones, or scan the QR code from unknown sources, with the actual loss rate as high as 95%.

In addition, whether it is mobile banking or payment software, account number, payment code, etc., it is also very dangerous to set a set of passwords. Once one of them is leaked, all accounts will be in danger.