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October 18, 2018, 07:12:12 AM |
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In China, the rise of mobile payment is very fast. In 2011, Alipay obtained a third-party payment license, in 2013, WeChat followed the payment function, in the Spring Festival of 2014, the red envelope war occurred. The penetration rate of mobile payment has been increased rapidly, and now it has become a national-level payment method in China.
Although there are many objective reasons for the rapid development of mobile payment in China, one of the points we can pay attention to is the offline payment scenario. If we discuss the reason why middle-aged population can accept mobile payment quickly, we can say that the offline payment scenario is a very important factor, which has driven the development of mobile payment, and even promoted online payment.
So can cryptocurrency payment do this again?
In fact, cryptocurrency payment and mobile payment are not concepts that can be compared directly. The cryptocurrency payment can be mobile payment or not. But on this issue, we are not entangled in the logical relationship between these two concepts. We just want to consider, why do people tend to use mobile payments instead of cash in the offline scenes?
The answer is convenience.
Mobile payment brings convenience in such ways:
No need to carry cash;
No calculation and charge;
No counterfeit currency;
Easy to keep accounts;
……
It can be seen that in offline scenes, the mobile payment is not only to use mobile phone instead of wallet, but to optimize the whole offline payment process.
Then, can cryptocurrency payment optimize this process again?
It seems difficult at the moment. Mobile payments have not changed the nature of the cash, but this is not important for offline payment. The cryptocurrency gives the money a decentralized character, which has no direct effect on the development of offline scenarios. Even if you use cryptocurrency to make payments offline, you still need to scan the QR code, or you still need NFC. These process methods are the same as the previous mobile payment.
So is there any more particular field that allows cryptocurrency payments to take advantage of it?
Of course there is. Due to its special attributes, a major advantage of cryptocurrency is the cross-border payment, which eliminates the cumbersome fiat currency exchange process and high fees. Therefore, the development of cryptocurrency payment offline scenes can be combined with cross-border tourism. If the tourists can easily use the cryptocurrency to make the payment when traveling in a foreign country, the degree of such process optimization can be compared with that of mobile payment made to cash payment.
In 2017, the number of outbound tourists in China exceeded 130 million, and the average consumption was 2,600 US dollars. Therefore, outbound tourism consumption is a $300 billion upward market, and this is only the consumption scale of one country. We can imagine that if cryptocurrency payments can gain a place, it will have a very positive effect on the spread of cryptocurrency.
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