Cutting edge technology

Introduction: Today, mobile payment has played an extremely important role in our daily lives. With applications such as WeChat Alipay, we can complete payment, ride, transfer, medical treatment and other operations with just one mobile phone. Recently, China UnionPay released the 2018 Mobile Payment Security Report, which gave a lot of information.

Today, mobile payment has played an extremely important role in our daily lives. With applications such as WeChat Alipay, we can complete payment, ride, transfer, medical treatment and other operations with just one mobile phone. Recently, China UnionPay released the 2018 Mobile Payment Security Report, which gave a lot of information.

According to the data given by UnionPay, the number of mobile payment users in China has reached 570 million, and the average monthly consumption has reached 2,600 yuan. According to Xiao Lei’s personal experience, many people now use mobile phones to completely replace cash, offline and offline consumption, and when it is rarely useful to get cash, the average payment amount of 2,600 yuan will not make people I am surprised.

In addition, biometrics also plays an important role in mobile payment. Fingerprints, faces, irises, etc. all belong to biometric recognition, but the most popular one is fingerprint recognition. According to the report, fingerprint recognition is the most used method of verification among men under the age of 35.

At the same time, UnionPay also said that the awareness of risk prevention for mobile payment users has increased significantly, and the probability of cyber fraud is decreasing. However, the average amount of online fraud has also increased, from 1,600 yuan to 1,800 yuan.

In addition, many users generally have high-risk behaviors in mobile payment. For example, when replacing a mobile phone or deleting an app, the bank card is not untied, and the user also likes to scan various types of preferential QR codes. Of course, the good news is that everyone's awareness of anti-theft brush has been significantly enhanced. Among the respondents, 70% have purchased bank account fraud insurance.

Nowadays, the popularity of mobile payment in China is expanding very fast, and it has formed a huge user scale, and there is still huge growth potential. Now, in addition to the two giants, WeChat and Alipay, traditional banks, e-commerce, and inter-bank financial institutions are actively launching their own mobile payment tools. Today, almost all banks’ apps have a scan code payment function, and UnionPay has recently released a large number of red packets.Encourage users to use its app, and Jingdong, which previously focused on online, has also promoted the use of payment tools online.

Of course, it is undeniable that mobile payments may also bring new risks while generating convenience, but these can be reduced and solved through technical and other preventive measures. The full popularity of mobile payments is only a matter of time.

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