Why do Japanese prefer cash payment to mobile payment?

The development of mobile payment has brought convenience to people's daily life. Whether it is a roadside stall or a supermarket hotel, as long as it is in China, it is generally possible to use mobile payment, eliminating the trouble of bringing cash. At the same time, it also reduces the problem of counterfeit banknotes, and the use of mobile payment reduces the use of banknotes and the damage of banknotes.

We know that mobile payment is not popular all over the world, and its development in China has unique factors and environment. For example, the usage rate of mobile payment in Japan is not high. Japan prefers to use cash and credit cards, but is not keen on mobile payment. Some people may think that there is no mobile payment in Japan, and if it is introduced, Japanese people will also like mobile payment. It is feasible to have this idea in other countries, but it may not be possible in Japan.

Nowadays, the familiar mobile payment QR code has been used in Japan for many years, but the people's enthusiasm for using it is not high. Mobile payment has not been popularized. Then, mobile payment is rarely used in Japan.

One: Japanese people attach great importance to privacy. We know that in recent years, there is a saying of "big data" in China. As long as you use mobile payment on your mobile phone, you will collect usage records including eating, drinking and having fun, and analyze your consumption habits and behaviors. We often feel that browsing or buying related products on a shopping platform will push related products to you in advertisements when you open another unrelated software. This so-called big data behavior has greatly exposed the privacy of consumers. Japanese people attach importance to privacy, which makes people less like mobile payment. Huanhuan believes that if we can improve the security and privacy of mobile payment and reassure consumers, Japanese people will also fall in love with mobile payment. After all, it is really convenient.

Second: Japan has the highest credit card holdings in the world. Japan's credit card system is relatively developed and easy to use. It seems more convenient to swipe a credit card than to open a mobile phone and then open the corresponding mobile payment software. As long as the whole social credit card system is perfect and developed, it is actually very convenient to use credit cards.

In fact, Huanhuan believes that the future development of mobile payment will be a trend. After all, as long as mobile payment is improving in security and privacy, it is hard to find its shortcomings. Holding a mobile phone in hand saves the trouble of losing your wallet.

According to the report released by the Bank of Japan in June last year, the utilization rate of mobile payment in Japan is only 6%, which is far behind China's 98.3%. Ten years ago, Japan was the most advanced country in mobile payment in the world. At that time, some mobile phones in Japan had the function of FeliCa chip, so you could buy things by shaking them with your mobile phone.

However, it is too complicated to pay by mobile phone, including software download and bank card information registration. Secondly, it is very complicated to change personal information and bank change when changing mobile phones.

And most Japanese can't change their daily habits and want to use cash. In other words, most Japanese people are very indifferent to mobile payment by mobile phone, because it is difficult and complicated to operate, and they feel that mobile payment is not much more convenient than cash and credit cards.

However, although Japan is a country with perfect infrastructure, mobile payment started very early, but it has been in a stagnant stage in the past decade.

This will undoubtedly bring unfavorable factors to Japan's future economic development. Especially with the approach of the Tokyo Olympic Games in 2020, the Japanese government has also felt the necessity of popularizing mobile payment, so it is also strengthening the construction in this area. However, compared with us, Japan has indeed fallen behind on the road of mobile payment, so there has always been a voice in Japan to learn from our mobile payment.

But in the end, how far Japan can go on the road of mobile payment depends on the ideas of Japanese nationals.

I once met a man from Taiwan Province Province. He went to my friend's place to have his car repaired and gave me cash. I asked him why he didn't use WeChat or Alipay to pay. He said with a smile, now that your mainland economy is developed, you don't need to spend money. You can't spend it all sooner or later, and you have no feeling for money. Spending real money is not the same as paying.

Don't think that with Alipay and WeChat payment in China, the whole world likes mobile payment very much. Mobile payment is an industry with China characteristics, and it is also the best developed in China at present. The proportion of mobile payment in Japan and the United States is very low. Americans use credit cards and checks.

Why do Japanese people like to use cash?

1, Japan Trust Bank

The data shows that the ratio of cash held by Japanese households to GDP is 19.4%, which is the highest in the global survey.

Because the Japanese trust banks, the counterfeit currency rate in Japan is very low, and the public security is also very good, so there is no need to worry about the safety of using money. Moreover, the Japanese cherish money very much, and the coins used are added with special magnetic substances, which are not easy to be contaminated with dust and can protect the heart, so many Japanese put money in their chest pockets.

Japanese pay attention to privacy.

Cash can remain anonymous, so even if you have sex, where you spend will not be recorded, but if you use mobile payment or credit card, every consumption will be recorded, which will make Japanese people worry that their information security will be leaked, resulting in bad results.

3. Japan's mobile payment infrastructure construction is incomplete.

Mobile payment needs some offline trading tools, so it needs to lay a good foundation in software and hardware, while Japan is underdeveloped and code scanning tools have not developed. Up to now, China tourists have traveled to Japan, and Japan has gradually developed mobile payment, but it is still used by tourists or China students.

Japanese like to use cash.

Using cash is an ancient habit. Japanese like to use cash. For example, the rich woman goes to the cowherd shop and throws cash directly into it.

A Japanese said, "I just like cash and paper money. It's good to deposit cash! Japan thinks that people who have great respect for paper money will get rich and so on.

Who do you think is better in Japan, Alipay or WeChat?

I asked my Japanese colleagues why Japanese people prefer cash payment to mobile phone payment. He said that in Japan, apart from banks, it is basically impossible for private companies to master the privacy of so many citizens' personal information and financial information, and ordinary people are more sensitive to this. So Japanese people are more accustomed to using cash or credit cards.

Japanese prefer cash and seldom use mobile payment, which has become an old calendar. From the second half of 20 18, the payment amount of Japan Mobile increased rapidly, exceeding 50%. This growth is changing life in Japan. But why hasn't mobile payment been promoted in Japan? Even though the number of tourists from China has increased, Alipay and other payment methods can be seen everywhere in Japan, but it has not driven the Japanese mobile payment market. The reason for this is the following：

1) Japanese people have great trust in financial institutions. Even if the interest rate in Japan is almost zero now, they still like to keep their money in the bank and pay in cash. This habit contributed to the development of Japanese banking. In order to meet customers' cash demand, the counter service volume has increased, including the payment of water, electricity and coal. Old people in Japan like to operate at the counter. Even if ATM has this function and convenience stores have this function, they still like to queue up in banks with cash, so it is difficult for Japanese banks to make profits and expand their development. This habit has much to do with it.

2) Japanese bank cards and credit cards are more common, and this kind of payment is not easy to be stolen from customers' secrets. Generally, credit cards need to be signed and confirmed by customers, so many Japanese people think that they are insurance, so they can confirm themselves and will not be stolen.

3) For the elderly in Japan, the mobile phone is not a collection of functions, but only a function of answering the phone, so that mobile phone payment has become a forbidden area for the elderly, while the rich in Japan are older and are still willing to use cash or credit cards to spend money.

4) Japanese TV promotes that mobile payment is easy to be cracked by hackers, not only the money is stolen, but also personal information is lost. This report is creepy, and many people are afraid to pay by mobile.

But things are changing. A number of banks in Japan have announced that in order to reduce costs, reduce counter services and reduce staff, they will try their best to put their business on ATMs or mobile phones. This change has made Japanese elderly people who are used to going to the bank to handle business begin to use online banking.

In the second half of last year, Japan's Softbank and others began to invest heavily to let people pay free bills with their mobile phones, which aroused the enthusiasm of young people to participate, and the temptation of free bills echoed among the elderly. As a result, the sales volume of Japanese smart phones and the number of swipes of Japanese mobile phones have set an unprecedented record in Japan, and a new lifestyle has been developed. Based on the actual situation of Japan's population decline, the Japanese government is also vigorously promoting mobile payment. With the cooperation of the government and the people, it is estimated that 2065438+.

As one of the four new inventions in China, mobile payment has always been our pride. From the first-tier cities in Beijing and Shanghai to the countryside, from buying food and rice to buying a car and buying a house, it can be done through mobile payment.

However, it is difficult for us to understand that many developed countries have not started mobile payment or promoted its popularization.

Mobile payment is difficult to popularize in Japan. Being popular is not as difficult as the Japanese are unwilling to accept and use it.

In fact, from 20 16, many duty-free shops and shopping malls began to accept mobile payment, mainly WeChat and Alipay. Later, merchants found that few Japanese people would accept this kind of code scanning mobile payment except tourists from China or international students from China.

The reason is that Japanese people pay attention to privacy. In their view, this mobile third-party payment method greatly infringes on personal privacy. In addition, the existing credit card can cover all the daily payment methods, so it is unwilling to accept foreign payment methods.

In this era of Internet information, in China, all we need is a mobile phone to meet our daily needs, such as eating, shopping and so on. I think it is really convenient to pay by mobile phone. Wechat and Alipay are the favorites of many young people. I believe many people don't like to bring cash, but the only drawback is that our mobile phone is dead, we can't find a place to charge it at the moment, and we don't have any cash on us. If this happens, it will really collapse. I have experienced it. I went to the cinema to see a movie, and then took a taxi. I want to take a bus when I come back. The bus card just ran out of money and cash. Very helpless, just bring some cash.

But in this age of Internet information, why is Japan just the opposite? They don't like to pay by mobile phone, but prefer to pay in cash. It is said that the Japanese trust banks and the government, and there are few counterfeit banknotes in Japan. In addition, the law and order in Japan is very good, which is one of the reasons why they like to bring cash. If there is a mobile phone payment, there is also a shopping record. Maybe Japanese people don't like personal privacy to be known.

It's really convenient for me to pay by mobile phone. I usually pay for all my expenses by mobile phone, including breakfast. I believe many people feel the same way. It won't hurt to pay by mobile phone, because all I see is a data, so I don't have to pay cash. If you pay in cash, you will find that the money in your wallet is gradually decreasing, which is why many people can't save money. The Japanese pay in cash to remind you.

In fact, every country has its own living habits. In our country, we prefer to use mobile payment, which does not mean that the Japanese also like it, but their ideas are different.

Just kidding, in fact, the habits of each country are different.

For example, Americans like to use credit cards, and it has long been a deep-rooted habit to spend first and then repay. Many years ago, there was a story about an American old lady and an China old lady buying a house. UK Finance, a British banking institution (similar to China UnionPay), said that in 20 17, the number of transactions made by British people using debit cards exceeded cash payments for the first time in history. At present, 63% of British people use contactless payment, with an average of 9 contactless payments per person per month. Needless to say, in China, mobile phone code scanning payment is still the mainstream. Many people (such as me) may not need cash for a month, and it is difficult for all walks of life to find people who do not support scanning code payment. Even street vendors have QR codes.

Therefore, it is normal that Japanese people prefer to pay in cash instead of mobile payment.

And I've always thought that Japanese habits are very special.

Take the mobile phone as an example. When the mainstream of mobile phones in the world has changed from Nokia's simplicity to Apple's smart touch-screen mobile phone, this flip color screen is popular in Japan with various additional functions, such as combining a camera and a mobile phone.

In addition, the social ways of mobile phones are different. In China, you either send a text message by adding your mobile phone number or scan the QR code to send a message to your friends. In Japan, you usually send an email by infrared ray, which is often seen in cartoons.

Say so much nonsense, in fact, just one sentence, different habits.

Because there are few thieves