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Core Insights - The widespread adoption of mobile payment in China contrasts sharply with its limited acceptance in developed countries like the US and Europe, driven by deep-seated social, cultural, and institutional factors [1][3][4] Group 1: Payment Preferences - In developed countries, credit cards are deeply integrated into daily life, providing convenience and additional benefits such as reward points, which makes them indispensable [1][4] - The average American owns 3.11 credit cards, while the average Chinese citizen owns only 0.3, highlighting the disparity in credit card penetration [1] Group 2: Privacy Concerns - There is a strong personal privacy protection awareness among citizens in developed countries, leading to skepticism towards mobile payment systems that require personal data [3][6] - In contrast, Chinese citizens exhibit a lower sensitivity to privacy issues, facilitating the rapid adoption of mobile payment [3] Group 3: Infrastructure and Investment - The development of mobile payment in China has been bolstered by comprehensive 4G and 5G network coverage, while developed countries lag in infrastructure investment in less populated areas [3][6] - Investment logic in developed nations prioritizes return on investment, resulting in limited infrastructure development for mobile payment systems [3][6] Group 4: Government Policies - Government policies in developed countries tend to favor the credit card market, reflecting the significant influence of the banking sector [4][6] - Historical policy decisions have prioritized the support of credit card systems over the promotion of emerging mobile payment platforms [6] Group 5: Risks of Cashless Society - Developed countries exhibit caution towards mobile payments due to potential risks such as technology failures, social equity issues, and privacy concerns [6][7] - The experience of countries like Sweden, which moved towards a cashless society, highlights the exclusion of vulnerable populations and the risks associated with over-reliance on digital payments [6][7] Group 6: Future Considerations - The transition to a cashless society should not eliminate cash as a payment option, as it serves as a safeguard for privacy, social equity, and technological reliability [7] - A diversified payment ecosystem that includes both cash and mobile payments is essential for the normal functioning of economic activities [7]