Group 1 - The rapid adoption of mobile payment in China contrasts with the slow development in developed countries, despite the technology's origins in the West [1][3] - Four key factors contribute to the slower adoption of mobile payment in developed countries: entrenched credit card systems, privacy concerns, inadequate network infrastructure, and government policies favoring banks [1][5] - The established credit card system in developed countries creates a significant barrier to the adoption of mobile payment, as consumers are accustomed to the benefits and convenience of credit cards [1][3] Group 2 - High regard for personal privacy in developed countries leads to hesitance in adopting mobile payment, as users are concerned about data collection and privacy trade-offs [1][3] - The lack of comprehensive 4G and 5G network coverage in sparsely populated areas of developed countries limits the infrastructure necessary for mobile payment systems to thrive [3] - Government policies in developed countries tend to support the banking credit card system, influenced by the banking sector's economic power and political contributions, which hinders the growth of mobile payment platforms [5]