The lack of security of "mobile wallet" is the main reason for the cold in Shenzhen.

In May last year, China Mobile Shenzhen Branch launched the “Mobile Wallet” business in Dongmen Commercial Street and signed a “Mobile Wallet” business contract with 31 merchants in Dongmen. One year later, in the East Gate, which was hailed as the “first street of mobile payment”, the merchant revealed to reporters that the customers who use mobile phones to pay now do not have two or three orders a month. In some other large shopping malls that have already opened mobile payment functions, there are few customers who use mobile phones to pay before the checkout counter.

Why is it that the new payment method of "mobile wallet" for more than a year is difficult for the public to accept?

Dongmen is difficult to see mobile payment

A few days ago, the reporter interviewed in Dongmen Pedestrian Street, and the slogan “Shenzhen East Gate, Mobile Payment First Street” on the street billboard was still paying special attention. It is understood that this mobile payment service, also known as "mobile wallet", is a small electronic wallet business based on radio frequency identification (RFID) developed by China Mobile. Users only need to replace a mobile phone SIM card in the service hall, and they can open related services without changing the number. When the user pays the fee to the business hall or recharges through the online banking, the money is transferred to the corresponding mobile payment account, and the mobile phone with the China Mobile dedicated POS machine can be used to pay for the mobile phone. You only need to use your mobile phone to get close to the dedicated terminal, you can complete the payment, which is easy, convenient and fresh. As early as last May, Dongmen became the first street of mobile payment in Shenzhen. At the beginning of the establishment, 31 merchants signed up for the mobile wallet business. At that time, Shenzhen Mobile also announced that with the support of the Luohu District Government, it would be necessary to turn the Dongmen business district into the “first street of mobile payment” in Shenzhen.

However, this fresh fashion mobile wallet has been cold for one year. At the Sun Department Store, one of the largest department stores in Dongmen, the reporter learned about the use of mobile wallets from the cashier. The cashier told reporters that there are very few customers using mobile wallets here, and there are few. The reporter then observed the payment by the counter customer. The customer used cash and bank card payment within 20 minutes, and did not find the customer who used the mobile wallet.

"Mobile wallet" is not good

In fact, it is not only the east door that is known as the “first street of mobile payment”, but also the mobile phone wallet business in Shenzhen. It is also rare for customers to use this new payment method.

The reporter found that after the opening of the mobile wallet business, the merchants who can use the “mobile wallet” in Shenzhen have already included more than 400 merchants such as China Resources Vanguard, Jiahe Studios and Sun Cinema, followed by Tianhong, Renrenle, Suibao and Maoye. Supermarkets such as Wal-Mart have also supported customers to use mobile wallets to swipe their cards.

Jingtian Suibao Store belongs to the merchant that opened mobile payment in Shenzhen earlier. Yesterday, Zongyuan, the general manager of the shopping mall, told the reporter that the mall's support for the mobile wallet business has been open for several months, and there are three customers in the more than ten cashiers who can use the mobile wallet to swipe their cards. “But in the past few months, there have been very few customers who use mobile wallets to pay, sometimes only one or two a day, and most of them are young people.”

Why is this new and convenient new payment method so hot? There are business analysis, which is related to the lack of publicity of the operators, and also related to the openness of consumers' acceptance and concept.

The reporter called China Mobile Jingtian North Service Hall to understand the mobile wallet business. The staff told reporters that only a few customers in a month would handle the mobile wallet business. Now, due to the lack of cards, the service hall is temporarily unable to handle this business. The staff of China Mobile's Dongmen Service Hall also told reporters that there have been only a few of the mobile wallet services she has been exposed to over the past year. She said that the mobile wallet is like a wallet. If it is lost, the money in the mobile wallet cannot be retrieved. To this end, whether the mobile wallet is safe is also an important consideration for consumers to choose whether to use this service.

New payment methods need to be promoted

Subsequently, the reporter logged into the official website of Guangdong Mobile and wanted to know the latest information on the mobile wallet. However, the official online reporter found that the official website does not have the latest news about mobile wallets, some of the promotional information is last year, the list of consumables of mobile wallet is updated on April 15, 2010, and some merchants who joined later did not Keep up to date on the website. The lack of publicity should be one of the most important reasons.

In this regard, some experts believe that this new payment method needs to be vigorously promoted. Zongyuan introduced that the new shopping concept of swiping mobile phones can take time to accept, mobile and other departments should vigorously promote, with the merchants to give certain discounts, the market should be able to gradually accept.

Consumers are used to cash and bank card payments, and payment methods are difficult to change. The reporter interviewed 10 people randomly, and 9 of them said that they had not heard of mobile wallets. One of them just heard of mobile wallets, and they didn't know much about this business. When the reporter explained the mobile wallet to them, some citizens said that they had become accustomed to using cash and credit cards, but they did not understand the mobile wallet. If the operators could increase their promotion efforts to promote the mobile wallet business, they would also launch some promotional activities such as rushing mobile phones. If the wallet is charged or the mobile wallet is discounted, the mobile wallet will be considered. Ms. Wang said that if the mobile wallet can only be consumed in supermarkets and supermarkets, the scope is too small, and it should be developed to be able to brush the bus and subway, so shopping is more convenient. Ms. Li, who just took part in the work, said she was willing to try. She said that this payment method is convenient and quick, that is, it is easy to brush away, which is both fashionable and saves a lot of time, eliminating the trouble of bringing cards. However, if the technology is matured in terms of security, and if the phone is lost, she will be more assured to use it.

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