Why don't Americans use mobile payments?

Рет қаралды 106,569

5 жыл бұрын

China has nearly become a cashless society. Why doesn't the US adopt mobile payments as their preferred way to transfer money?
Please consider supporting me on Patreon or Paypal!
/ maikelaoshi
www.paypal.me/maikelaoshi
Astrill VPN: astrillaff.com/a/z3qojfb1u13r
My gear / 我的设备:
Canon PowerShot G7 X Mark II: amzn.to/2FDmno0
DJI Mavic Pro: amzn.to/2zAaDAv
GoPro Hero 5: amzn.to/2zk4449
Canon 80D: amzn.to/2zzSEdq
Canon EF-S 17-55mm f/2.8: amzn.to/2xRA9UV
Macbook Pro 15": amzn.to/2x7XZHo
TAKSTAR SGC-598 Interview Microphone: amzn.to/2xPWQ6P
Special thanks to soundcloud.com/joakimkarud, / dcuttermusic , and soundcloud.com/dyalla for the tunes!

Пікірлер: 541

@maikelaoshi 5 жыл бұрын

What other kinds of technology is China leading the world with?

@xihangyang 5 жыл бұрын

bank donate money to senator election and senator banning them. bullets train

@lsr136706 5 жыл бұрын

DJI Robomaster S1

@maikelaoshi 5 жыл бұрын

@@lsr136706 Yes I have a DJI Mavic Pro, it's awesome and so much fun. No company makes better drones right now.

@mrtsiqsin2290 5 жыл бұрын

You don't even know how dangerous it is when your pay record and personal data are stored by the government, especially the Chinese one.

@mrtsiqsin2290 5 жыл бұрын

@Wenyu Thank you so much for showing me how arrogant you are. Good job!

@hinana3369 5 жыл бұрын

微信支付其实也可以捆绑各种信用卡~~或者是一些小额度的贷款的虚拟机构~~说白了就是所有支付形式集合到手机端而已~~这样更方便~也不免除找零的麻烦~~还有就是更安全~店家就不怕抢劫了~

@alexp2019 4 жыл бұрын

也是文化的差异。美国的话 credit 文化太强。国内没有多少信用卡文化容易说服大众去建立一个新系统新文化。

@yiminhuang4183 5 жыл бұрын

Awesome research that Mike you have done on this Video. Subscribing because of this one

@amazingstudio5421 4 жыл бұрын

Actually. When you use a mobile pay, it also needs your wechat or Ali connect to your debit card or credit card.

@soy9896 5 жыл бұрын

全世界的技术应用很少是每一代更新都跟进，中国跳过了家庭电话和信用卡的流行，直接进入了手机和手机支付，再搭建信用卡系统成本高，需求又不高。相反的欧美没有足够的跟进需求，从已经成型的信用卡系统进行升级意义不大，成本又高。大家都是跳棋一样的进化，没必要觉得谁好谁差。

@DONGDAQIAO 5 жыл бұрын

几年前我到德国，他们有些超市居然了不接受VISA信用卡，哎哟我去，雷的我外焦里嫩的

@soy9896 5 жыл бұрын

@@DONGDAQIAO 不会吧…是不是因为你拿的是中国的卡？我也遇过类似的，因为模式不同了？欧洲是小额直接刷卡大额输密码，国内的visa卡是签字

@DONGDAQIAO 5 жыл бұрын

@@soy9896 是国内的卡，他不是刷不过去，他直接告诉你，他不接受visa卡

@fl3144 5 жыл бұрын

@@DONGDAQIAO 是有些超市只收现金，德银卡也用不起来。

@soy9896 5 жыл бұрын

@@DONGDAQIAO 好神奇…我倒是经常遇到刷卡有最低金额的，因为他们怕有手续费

@zhanyangang4408 5 жыл бұрын

Mike老师完全正确，需要改变观念。其实信用卡在美国很容易盗刷，因为连密码都没有，我在洛杉矶被盗三张，卡还在我手上也照样被复制，两个卡在迈阿密消费一个卡在孟买消费。手机支付并不一定像大家想的那样不安全，关键还是利益分配。另外支付宝可以绑定信用卡的，只是消费积分略低，😄。

@user-uv1rf2ht6j 4 жыл бұрын

解释的很详细👍

@K_y_ng 5 жыл бұрын

Both alipay and wechat, they are also binding bank account or credit card. We actually didn't skip it, but just skip the physical one.

@hongchongteh4790 5 жыл бұрын

In Malaysia , you can actually use credit card to top up your mobile pay apps and pay with your apps. You gain double rewards from credit card and pay apps by doing so.

@user-jp4pq3ub7i 5 жыл бұрын

Teacher Mike , how do you use Twitter , IG and KZfaq when you are in China?

@gaofengjiao 5 жыл бұрын

Not using mobile payments is also a sort of privacy protection for some ones.

@vladimirputin8456 5 жыл бұрын

brain is a dongxi

@user-qq1ke4gz6l Жыл бұрын

信用卡可以保护隐私？这是什么笑话

@shawnkung1688 4 жыл бұрын

分析得很在理

@knee9823 5 жыл бұрын

The amount of people I see use this payment consistently is low. But mobile pay as a way to transfer money between people is getting way more popular. Such as venmo or cash app as apposed to Paypal

@Alisters_Adventures 4 жыл бұрын

I try to avoid directly connecting my bank account to any mobile payment systems because if there is a problem with the transaction it's harder to dispute it, once the money is gone it's gone. But with a credit card I can usually dispute it later if there is an issue. Also I can get cash back by using a credit card when buying things like groceries, gas or whatever. But if I have them directly take money out of my checking account then I don't get any "discount".

@wenshi3870 5 жыл бұрын

虽然有微信支付和支付宝支付，我挂的卡还是信用卡哈，依然是信用卡消费哈，其实就是只带着手机比较省事儿。

@chaomengdamengmeng5168 4 жыл бұрын

对，这才是中国人用手机付款的目的

@tianyang5241 4 жыл бұрын

有的不支持信用卡支付，必须用余额或者储蓄卡

@zhlonny3489 3 жыл бұрын

可怕的是花呗，我觉得它几乎就是马爸爸发明出来取代信用卡的，我现在每个月还花呗还得比信用卡债还多

@user-wr9dd6rz3r 5 жыл бұрын

美国人的消费渠道很少，大多数人每周花钱消费的地方一只手就够数了，周而复始。

@amazdrm 5 жыл бұрын

I thought fulfil was a typo; before I hit send button I Google it and then found out that both fulfil and fulfill are correctly spelled. 谢谢麦克老师！

@katlam9419 5 жыл бұрын

感謝提供很好的資訊。🙏 這個視頻是在行路中拍攝，畫面十分搖擺，看得頭痛啊！😔

@lgjlgj126 4 жыл бұрын

再往后会继续进入到电子货币时代，人民币会全球化，未来极可能形成很多国家会对接形成另外一套支付体系，这将是一套半开放的结算体系，和SWIFT相比，会少了霸权

@taosun0429 5 жыл бұрын

现在其实越来越多了，Costco，Sam's club，walmart， target，都有自己的app，还有很多地方也支持apple pay

@watanabehanasai6445 4 жыл бұрын

是的，赞同你的说法，但是不可否认的是在国内huawei pay是主流，华为pay用于购物城市商场，超市，公交，地铁，支持扫码的POS机，支持银联标志的闪付NFC接触式支付等等，这些通通支持华为支付

@User-357dgjkitdvkkoohgj 4 жыл бұрын

Apple pay is good at about 30-50% of places in California depending where you are.

@yang8892 4 жыл бұрын

银行卡和信用卡支付在支付宝和微信之前也挺普及的啊，只是手机支付更方便，在一个支付宝和微信的用户确实多，用户群比用信用卡的用户群要胖大的多。所以很快就普及开了

@observerby3721 4 жыл бұрын

After one year, and living with Covid-19, what do Americans think of credit card and mobile payment?

@watanabehanasai6445 4 жыл бұрын

华为智能手表也可以刷支付宝，有时候早晨跑步手机忘带了，手表也可以出去便利商店和快餐厅等等支持付款码支付的商家，他们店员扫一下你的二维码即可用花呗或者银行卡等支付方式直接扣款到自己的消费账单中，大型的购物超市都有设立至少2台到8台自助结账窗口有支付宝有微信，输入手机尾号扫一下脸就可以支付感觉特别高级。

@user-wv1rk3mc8d 4 жыл бұрын

It's not correct that China skipped the phase of using credit cards. I remember in 2012 I used credit card a lot. But in 2013 alipay became popular.

@user-se8to2lg5v 4 жыл бұрын

I still like to use cash. Why ? it's much simpler. You take cash from you pocket and hand it to someone, after that you can forget everything.You don't have to check you credit card statements each month to see if the banks overcharged you, especially when you have tons of credit cards. Same for mobile pay. The time you save from not having to check your credit card statements can be used for something else.

@hezhiyuan36 4 жыл бұрын

微信支付也可以绑定信用卡，支付宝同理。不带，不代表没有信用卡。apple pay中国也支持。

@yshen9235 5 жыл бұрын

come to London.. mobile payment/contactless nearly everywhere. Dont think QR code the best/safest solution, compare to contactless payment.

@jkjkjk100 4 жыл бұрын

Y Shen but it’s cheapest implementation.

@dkc-ut8vs 5 жыл бұрын

The key point is alipay and WeChat pay are kind of like cash monster which are illegal in the other counties because they are not the banks so they are not allowed to keep people's money . I do believe both alipay and WeChat pay will go nation-owned someday.

@user-hu6zp1xb5o 4 жыл бұрын

最重要的原因是他说的最后一条:信用卡的既得利益者～银行正努力阻止支付方式的改变。

@louiswu6300 4 жыл бұрын

这根本是借口。因为电子支付一样也可以基于信用卡。

@ftso3296 4 жыл бұрын

@@louiswu6300 电子支付基于信用卡就像装修租来的房子一样,你装修不止花钱,还有一段时间不能住,还要付房租,房东还可能因为你装修了把你赶出去,然后用高价租给别人,有脑子的人绝不会做的.同样的,电子支付基于信用卡,网络公司要花钱,花时间建设,建设完了银行把网络公司踢出去,再找一家网络公司收更多钱.而且结算还涉及数据所有权,物流一大堆的问题,最后还有规模,正因为结算中心是网络公司,才能建设几亿用户,预计有几亿用户才能投资,才能整合物流,才能降低物流和商品成本,最后让你买十元以内的商品还能包邮,甚至初期用移动支付还返红包,这才能推动移动支付,如果银行是结算中心,马上可以把支付宝踢出局,然后让小米支付接盘,淘宝会做这些事吗?要么你傻,要么你觉得网络公司傻,正常人绝不做的.

@jarmingho 5 жыл бұрын

love your vids! keep up the good work!

@user-yv1xb4sf9j 4 жыл бұрын

支付宝和微信都支持信用卡支付，只要绑定上就行了，甚至比刷卡得到的积分和福利还要好，还有免费还款额度，平时日常绝对足够了，当然比较大的现金流还是刷卡吧！

@stevenxie5783 5 жыл бұрын

so it is not about privacy and monitoring from the government?

@StanKween 5 жыл бұрын

Those foreigners who live in China would not dare to speak the truth, lol

@Runologist 4 жыл бұрын

Apple pay, Samsung pay , Google pay，美国很多地方也可以用的。但是我用过几次后，还是用信用卡，因为信用卡比用手机方便啊，不需要解锁打开app，直接一贴或插入就好了。

@sucram1617 4 жыл бұрын

google pay 根本就不用开app。

@gummarsh9348 4 жыл бұрын

We have way too many options in the US. We don’t have one big company do it all and also privacy top it all.

@buddhazhou 4 жыл бұрын

从来不用微信支付，即使是手机云闪付和支付宝 apple pay 其实也是挂着信用卡只是形式上是手机还是那张卡。

@cl4864 5 жыл бұрын

那个大叔的眼神哈哈

@lawjason7269 4 жыл бұрын

不對啊手機支付優惠還是有(只是都比較小型比較偏向小康社會)，就算在香港用支付寶，在一些店會有紅包(每日能用一次的二維碼弄用的幾塊錢優惠卷)，也有不定時出作印花集的優惠(例外像麥當勞每次花過15元能集一個集滿作優惠券)，但因為香港沒完全普及所以我家也只用在買食物吃或淘寶付費時等用

@lihelen3006 5 жыл бұрын

信用卡被冠以信用累计的光环但是是银行和信用卡公司谋利的渠道，我几乎不用，一般中国人用的都很少，除非特殊情况，而且现在买车或者家用电器耐用品都是可以无息贷款的，不需要信用卡之类的，所以中国人很少用到付息的信用卡

@wenjiazhu2654 5 жыл бұрын

I think the real difference between mobile pay and credit card/cash is not convenience. It's about data. With the info of your consuming habit, the contractor can provide more sophisticated and personalized suggestions, just like every other internet monopoly does, google, amazon, youtube..... And with this big data, a lot more things can be done using AI, deep learning and machine learning. This is really gonna change our life.

@crypt010 4 жыл бұрын

信用卡也挺好的，就是出门多带一种东西真的真的很麻烦，而且还得好好保管，生怕丢失

@ernestolin8804 4 жыл бұрын

现在国外都在推nfc支付，但本质上还是信用卡，如果不喜欢信用卡这种消费模式，直接刷储蓄卡也可以，基本上很少有不能用的地方，不过他们似乎没有一个统一的app，而是每个银行出一个app。。。。

@bellaxie7142 4 жыл бұрын

@Ernesto Lin 这不是支付手段的问题，如up主所说，这是消费习惯和市场整合的问题。

@zhuzhu879 5 жыл бұрын

我们在欧洲里旅游时都会带几百欧元现金的，在餐馆和小商店根本不敢用信用卡和现金卡，几年前本地电视台一个节目介绍过怎么盗卡的，刷卡机的后面与后面隐藏的电脑链接，所有卡的密码都显示在电脑上。不过北欧比南欧游安全些，但是还是得小心，大商场才用银行卡。

@Superlovelyboi 5 жыл бұрын

帶太多現金被搶的話就...

@zhuzhu879 5 жыл бұрын

Boy Sleepy 每天出门前预计花费多少，其余的钱和银行卡证件等重要东西放在酒店保险柜里，如果现金不够也可以在当地银行里面取。还有一点，出门旅游打扮休闲些，一是万一遇到倒霉事情时好让自己跑得快过，二是不引起他人注意😀

@georgelarris3661 4 жыл бұрын

No doubt mobile pay in China greatly changed people's way of daily life and especially make it easier for older people to buy things without paying cash, not mention credit cards. We should give positive evaluation to the benefit it has already brought to us and go on embracing new techinical and mindset changes in the coming future.

@fridama5035 5 жыл бұрын

Could u do a video about reasons and true feeling when u first come to China? Thx.

@dannydawson701 5 жыл бұрын

MIKE! You obviously know I am interested in this as well!

@kimomaile4381 3 жыл бұрын

AND, comparing the China you used to know AFTER residing in the country for a few years. However as smart as you are, we'll probably never find out . 😂

@user-kv7cq9uj2f 4 жыл бұрын

信用卡和手机支付共存我觉得才是王道，信用卡可以用来支付交易额比较大的买卖。

@jordanhoo2004 5 жыл бұрын

Privacy protection

@user-el8hq9wu5x 4 жыл бұрын

现在我所在的国内五线小城市的超市已经可以不扫码了，出门手机都不需要，都是扫脸支付...

@olalee4025 4 жыл бұрын

个人觉得扫脸太不安全。我已经关闭这个功能了

@Daniel-in5bg 3 жыл бұрын

扫脸？那要是别人拿你照片扫下不就把你里面钱偷了

@user-ix7uc2ct6q 3 жыл бұрын

@@Daniel-in5bg 需要眨眼的才生效的，不过相对来说安全性的确差一点。

@Daniel-in5bg 3 жыл бұрын

@@user-ix7uc2ct6q那别人录一段你眨眼的视频不就好了

@user-ke3hx1ji1i 4 жыл бұрын

麦克老师你是如何得到微信支付和支付宝的？现在不是要有身份证么？我因为入美籍了，入籍后身份证也刚好过期，然后入籍前并没有中国银行的账户。我就没法使用微信支付，收红包，也没有支付宝，所以导致我现在想买很多微信里的公众号课程没有办法买。

@banban3591 4 жыл бұрын

芬兰机场退税都可以用支付宝啦，都好几年了。

@johnxie8312 5 жыл бұрын

Also, credit cArd stolen is protected by most banks ,and no money will be lost due to stolen

@juliehopkins6255 5 жыл бұрын

Yes, that's why we use credit card.

@amex_65 5 жыл бұрын

Alipay provides account insurance which coverage is 5 millions yuan, if stolen happened just claim it online...

@xiaozheng7422 5 жыл бұрын

are u in china？

@hongliu8539 4 жыл бұрын

老师你的视频很好，如果你讲话慢一点就是更好。谢谢。我喜欢你的视频。

@user-hu6zp1xb5o 4 жыл бұрын

他这个视频的内容更适合中高级的学习者。这个语速是美国人的正常语速，对中高级学习者来说是需要达到得听力语速。如果想慢一点可以调整播放的速度。

@ggboom11 4 жыл бұрын

其实吧这个语速是偏慢的了已经他的两个朋友的语速才是美国人正常交流的语速😊

@Byronseris 4 жыл бұрын

大的金额交易用支付宝比微信好一些，一是支付宝提现能够秒到，而微信要等好长的时间，二嘛，微信有些不好的先例

@silmeria1984 4 жыл бұрын

The credit system is not very widely used in China. Basically in China or for most people in the world, you have to own that money to spend it. In United States, most people live with credit card or debit card. For credit you borrow money and you pay it back. Not only will the credit companies get service fees from transactions, but also they can control users of credit with debts. Stop overspending, be planful and start saving, then you get your money, the bank don't.

@YaoChen-qc1ej 5 жыл бұрын

真的觉得微信支付和支付宝支付为生活带来了非常非常大的便利。不需要再找零，手机支付在任何一个小商店都可以，甚至街边的小摊贩。

@yhh8427 4 жыл бұрын

American credit card companies will not allowed it happen in US

@user-dq5jx1dw1n 4 жыл бұрын

其实我觉得最主要的一点：所谓的移动支付未来应该是利用NFC，才能真正拥有“刷手机”的体验。而现在国内的移动支付基本都是二维码，其体验远远达不到美国“刷卡”的便捷。所以在美国，即便移动支付能普及，也一定是普及像 Apple Pay，Google Pay 这样的“移动支付”，而不是像支付宝微信这样的“二维码支付”。这才是重点，国内的二维码支付落后于真正的移动支付，甚至落后于美国的信用卡支付。

@freemaxplus32 4 жыл бұрын

NFC投入成本太高，特别是对于一些小商小贩来说。二维码在平衡安全、快捷、成本较好。

@bellaxie7142 4 жыл бұрын

@张肖你没明白，手机移动支付不是单纯用“快”来衡量的，而是一个日常消防支付的生态圈搭建。经济实惠的二维码，可以让人以最低的成本加入进来，获得移动支付的红利。

@francisfong8571 3 жыл бұрын

I think Apple pay, Google pay and credit card is efficient that the mobile pay, by using mobile pay need to unlock your phone, open app, choose scan, scan the code and face recognition or fingerprints or password. And for Apple pay,Google pay can immediately put your phone on the card machine and do face recognition or fingerprints that is more efficient that mobile pay I think.

@francisfong8571 3 жыл бұрын

So I think that there is no reason to switch to mobile pay like China did.

@fakebreaker 5 жыл бұрын

很多时候可以用apple pay，你没有在美国用过吗？

@veronicaz5292 3 жыл бұрын

我觉得Apple pay也好用

@volare2013 5 жыл бұрын

Really?! I’ve been using Apple Pay in the US.

@ken76224 4 жыл бұрын

every where can use apple pay？？

@user-ii3eb1uq2b 4 жыл бұрын

国外有mobile pay 有些要收手续费用的地方不是太多所以慢慢转用信用卡国内为什么用mobile pay 不用信用卡最大原因手机与你几乎永不分离😅

@fengqin5562 2 жыл бұрын

手机支付成为当今普遍的付款方式，乐了年轻人，可苦了老年人。在公共场合，很多老年人坐车买票都成了大难题。不过，随着大仁“人至上”理念的出现，关注人，基于人的本性出发去互助，或许能解决这样的生活难题。最近身边有人本着“人至上”的理念进行互助互持，帮助老年人解决这个难题，老年人的脸上也将挂满笑容。

@hapijacob 5 жыл бұрын

我感觉PayPal已经在全美甚至世界有很好的用户基础了，为什么就不推出账户间的直接支付呢？我猜测是税务问题没办法实现？此外，国外的各种pay对商家的服务费也是非常贵的，所以很多地方选择不使用，比如在德国，由于德国的EC信用卡的服务费比Visa、MC要便宜很多，竟然很多商家只支持EC卡，所以我猜测手续费应该是很大的问题。然而在早期推出微信支付，支付宝的时候，都是免费，还信用卡也是免费的，线下支付，商家也是可以自由提款的，搞到后来全民都是用的时候，突然宣布全面收费 :(，很多商家想撤手也没办法了。现在微信提款都有手续费，我现在都是用手机银行来还款汇款什么的，等有一天手机银行也收费了，可能我就得去柜台了。。。总感觉这种做法有点像“先圈养，后宰杀”😭 P.S. 我感觉信用卡支付没有什么不方便的，现在卡机都支持闪付，小额没有密码，连自动贩售机机会都支持闪付了，比起微信也没有慢吧？

@DONGDAQIAO 5 жыл бұрын

其实移动支付背后也有多种绑定方式，绑定储蓄卡，绑定信用卡或者用移动支付软件本身的账户授信额度。

@stevenlk 4 жыл бұрын

是的我也在德国并且日常使用Apple Pay, Google Pay和Payback的Payback Pay，现在我觉得二维码为基础的移动支付最大的优点就是在于对于小商铺以及朋友间转账，当然朋友间转账这点N26做的其实还不错。基本上在德国的支付方式也可以大部分转移到手机上了，而且通过NFC支持的非接触式支付相对体验更好…

@bellaxie7142 4 жыл бұрын

@Steven Kuang 所以现在支付宝在做刷脸支付，还没反应过来钱就付掉了，先后悔都来不及…

@user-hu6zp1xb5o 4 жыл бұрын

关键是你去地摊用得了信用卡吗？

@foreverred 5 жыл бұрын

last year someone stole my credit card too, and then i called my credit card company they just asked me the situation and cancel the transaction that doesn't belong me and mail me a new card .can mobile pay do it ???

@amex_65 5 жыл бұрын

Alipay provides account insurance. The coverage is 5 millions yuan. Just claim it online..

@cheliu7573 4 жыл бұрын

alipay and wechat pay cant be stole

@zhangsa30 4 жыл бұрын

Applepay 感觉理念上也很先进为啥在北美也推广不开呢

@jingz4326 5 жыл бұрын

您这是这哪里啊？同济附近吗

@skenenne 4 жыл бұрын

不是有google pay 吗

@user-ut3rg7tm1v 5 жыл бұрын

美国不是有Apple Pay吗

@yeso8205 5 жыл бұрын

How to memorize so many %%% numbers?

@user-jc8oq1ht4k 4 жыл бұрын

我觉得至少在加拿大Apple Pay其实接受程度还是挺高的，毕竟能接受触碰付款的地方就都能接受Apple Pay，不过安卓用户就很憋屈了，中国产的安卓手机基本没有办法使用谷歌支付，至少对我来说我和我同学根本就没有办法把加拿大本地的银行卡绑定到谷歌pay里面，所以感觉在国外基本上只有苹果手机用户才可以很方便的使用手机支付。。。

@heshexia1678 4 жыл бұрын

Mike, the most important part why credit cards are used instead of mobile pay in the West is the benefits of the credit card companies and the banks. This is the USA spirit.

@sucram1617 4 жыл бұрын

Using credit card with google pay will also get you the benefits. Your point is moot

@stiksiat9598 4 жыл бұрын

清新的空气，干净的食品，无污染得水远比这重要的多

@janetz1001 4 жыл бұрын

回头再看这个视频就觉得手机付款在现在这个环境里很重要了。坐标美国，现在我们不能预先支付的商品跟服务我们都尽量不使用了。因为需要近距离刷卡

@sbhk5282 4 жыл бұрын

@Teacher Mike 麦克老师： the mobile pay could bind anything of your account, not sure bank card, also credit card, and others, not sure why you say this is the differnce or bottlenack you can use moble pay + credit card combination. don't think this is a problem

@maikelaoshi 4 жыл бұрын

Yes but very few people do, that's the point. There are cultural habits to get over before mobile pay is accepted. Not everyone can get a credit card in the USA, and honestly some people rely too much on credit and spend more than they can afford, which is another problem in the US.

@sbhk5282 4 жыл бұрын

@@maikelaoshi 我用中文说吧。我自己的微信/支付宝就同时绑定了很多种类的卡，包括银行卡和信用卡，信用卡所有的功能都可以使用，所以这不是这两种支付方式的区别，手机支付只是一个方便的渠道，他的终端还是各种卡或者钱包，我们只是方便携带手机，而手机携带了那些卡的作用。信用卡本身就具有透支功能，移动支付并不负责卡本身的功能，你依然可以像使用信用卡一样使用他们的功能，只是不需要携带而已，所以，区别仅仅只是需不需要携带而已，本身的功能是由卡决定的。我觉得问题的本质是政治问题，因为美国不像中国这么容易可以将所有的利益集团能协调在一起，这跟高铁也是一样的，因为高铁会伤害航空公司的利益，而中国的银行系统，交通系统，所有的一切，都听从于国家，国家只要愿意统合这些，就很容易做到，而美国是个民主社会，做任何事情都会有反对声音，所以会比较慢，甚至做不起来。。这跟所有的事情一样，这是中国和美国的主要区别，没有民主和有民主在很多事情上有利有弊，各自国家的文化差异罢了。

@oceanwang5402 4 жыл бұрын

哈哈，安远路

@user-bc6to2nu7s 5 жыл бұрын

乞丐都用扫码了😂😂

@kelic5035 4 жыл бұрын

这个有点说不过去。。。

@user-qu9ku2ul8o 4 жыл бұрын

@@kelic5035 然而是真的

@huanhuanzhou2742 4 жыл бұрын

@@kelic5035 去年回国在厦门看到了

@yuklamlo80 4 жыл бұрын

真的😃😃😃😃

@agkkt4000 4 жыл бұрын

中国人真幸福！

@2y718 5 жыл бұрын

麦克认真研究了这个问题，赞。不过，在中国其它方式都不好用：银行服务差，钱脏脏的，还很多人排队。

@ramonchen1981able 4 жыл бұрын

国外信用卡利息高是美国银行一半利润来源，银行没有动力。二而且任何公司从支付宝换取美元的利率1：6.2，手续费太高商家不愿意用，三，法律不允许，涉及到报税，支付宝会涉及毒品洗钱。四，以上问题都能解决，主要问题银行家的利益很难撼动

@herotsang8286 4 жыл бұрын

涉及到偷税漏税。无现金, 无法走税

@user-uw7iq9nw4w 3 жыл бұрын

pos机刷卡手续费是国内2-3倍

@david-ll1kn 4 жыл бұрын

所有方便的背後都有相應的代價...

@yajunyang7935 4 жыл бұрын

有Apple pay啊。我觉得比微信和支付宝更方便且更正规。查账单超方便。且还可以用iwatch和ipad付款。现在contactness（可以用卡触碰付款）的pos机都支持apple pay，而且大多数人是用debit card绑apple pay。

@submarine1839 4 жыл бұрын

人家是大外宣

@liwensi1218 5 жыл бұрын

I use apple pay everyday. Easier than in China. But not for all the places.

@schlieffenhan4974 5 жыл бұрын

个人觉得还有个安全问题，毕竟现金难以被追踪，拥有不同银行的信用卡消费，消费习惯，消费地点也不会被同一个机构完全掌握。即使相信自己不会违法乱纪，但还是觉得自己所有的消费记录都被一家公司掌握有点别扭。

@jordanhoo2004 5 жыл бұрын

Schlieffen Han 是的，現金無法追蹤，通過信用卡的無線支付很難追蹤，但通過借記卡就……而且分散競爭的移動支付雖然效率低，但信息不會被獨家掌控

@user-tb4kw5sy2v 4 жыл бұрын

现在洗脚都是微信支付慌啥

@army_bot881 4 жыл бұрын

还有一个你忽略了，运营商的基站和交换机设备因为国产后价格下降，更加利于网络覆盖普及，中国超强大的移动网络覆盖是这个移动支付的基础，我认为这是美国所欠缺的

@army_bot881 4 жыл бұрын

这就引出另一个问题，这几年中国宽带的提速和资费降低，和设备国产化有关

@spe02001 4 жыл бұрын

Melbourne 可以WeChat pay

@xiaoaiwu2719 4 жыл бұрын

其实我觉得中国并没有跳过信用卡这一项，用支付宝和微信支付跟信用卡并不冲突，比如很多年轻人其实是通过支付宝和微信从信用卡里花钱……倒是支票……天杀的支票，这么麻烦为什么还要用！我在迪拜租房都是要一次付四张支票一年份的！也就是说你刚来时没有办理好支票本（并没那么容易快速），你都无法合法租房，只能一直住昂贵的酒店……

@aoiyakumo6455 4 жыл бұрын

主要是国内的一些传统行业都不思进取，收费标准混乱，体验低下，层层中介，才会导致互联网经济直接冲击传统行业。银行这是这样一个例子，国内的银行基本都是国有的，要么也是国家持股的。银行一直忽视小额交易，忽视普通消费者，才是直接被手机支付占领市场的主要原因，现在银行想补救都有点为时已晚了。

@stom5250 5 жыл бұрын

马云把中国银行打通就很了不起，估计也只有在大陆这样的体制下才能实行。因为银行归国家所有，我记得当时银行对网上支付也是非常非常抑制的，估计是大陆银行服从了国家意制

@jaggeryang613 4 жыл бұрын

当年工信部差点把微信掐死，微信每年让中国移动损失几百亿的短信收益，要不是有大佬站台，这些私企分分钟倒闭。

@Love-Panda3344 4 жыл бұрын

星巴克当然会赢😂不但有积分还可以免费续杯……

@wwddest 5 жыл бұрын

Lots of words I’ve studied through this video

@qqqhcg 5 жыл бұрын

有Apple Pay Google Pay

@bloedekuh 5 жыл бұрын

但是没有Renyong

@catinabox3048 Жыл бұрын

I think it's more that a lot of Chinese are averse to the idea of debt and think credit cards are stupid, which incentivizes them to skip this form of transaction.