无现金时代有风险？为什么在欧美发达国家，不流行用移动支付？

Core Insights - China has entered a "cashless era" with a high penetration of mobile payment, primarily through WeChat and Alipay, covering over 80% of the population [1] - The average user engages in mobile payment transactions three to five times daily, indicating deep integration into daily life [1] Group 1: Reasons for Mobile Payment Popularity in China - The difference in consumer habits plays a significant role, as the credit card payment system has been entrenched in the West for decades, supported by various incentives from banks [4] - Privacy concerns are more pronounced in the West, where consumers prefer credit cards to protect personal information, while Chinese consumers prioritize convenience over privacy [6] - Trust in third-party payment platforms is lower among Western consumers, who are cautious about linking bank accounts to these services, favoring traditional banking systems instead [8] - Network coverage is a critical factor, with China's extensive network infrastructure facilitating mobile payment adoption, while the limited coverage in rural areas of developed countries hampers its growth [9]