Japan tangled mobile payment whether to take the Chinese model

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Bank of Japan in June published a report that mobile mobile payment in Japan, the utilization rate of 6.0% in China, 98.3%. Why does China become a "advanced country" for mobile payments? And should this be the world's first in Japan, why become a "backward country"?

According to Japanese media reports, Japan 10 years ago was "the world's most advanced mobile payment country", with the phone Akira can buy things (ie "wallet phone", built in the phone FeliCa chip function, mobile phone can become Tickets and wallet substitutes are used), through the ticket gate can be used to pay watermelon card.

But on June 20, 2017, the Bank of Japan published a survey report, the Sino-Japanese mobile payment rate comparison is really surprising. When will Japan become a "advanced country" for mobile payments?

Why only 6% of people in Japan use mobile payments?

Japan tangled mobile payment whether to take the Chinese model

Although Japan's infrastructure is sound, only a handful of people still use mobile payments. The report pointed out the reasons: First, in order to be able to use mobile payment, need to set the first (including the software download and bank card information registration, etc.), too complex; Second, the phone when the information and other changes, very cumbersome; , Can not change the habit, or want to use cash.

In other words, the use of that is difficult, too troublesome, and feel that mobile payment is no more than cash and credit card convenience, which makes the Japanese interest in mobile payment. Moreover, Japan can use IC card to pay things, can not insist that the phone does not pay the advantages.

China Mobile payment mainstream model "two-dimensional code + payment software"

On the other hand, China Mobile payments, Alipay payment and WeChat payment accounted for half of the country, although 98.3% may be some "exaggerated", but the fact that more than the Japanese users is no doubt.

Japanese reporter Suzuki Chun said, "in China is very fire two-dimensional code payment model, that is, in the personal account transfer mobile phone to read two-dimensional code and transferred to the specified amount, but also apply to the shop checkout. That is, as long as the other is The same transfer service account, any person in any shop can be in the absence of special audit circumstances to use the payment model.

Moreover, the two-dimensional code to pay in China, especially in the city, from the convenience store to the food stalls, anywhere can be used.

What happens if Japan is "not aggressive"?

Japan Mobile has been in the state of 10 years of stagnation, if the future of Japan no less than the popularity of the future I am afraid that will be in a disadvantage.

Suzuki Chun said that the question now is how to introduce. For example, used to pay for travel to Chinese tourists travel to Japan, if you can not use this way to pay will be inconvenient. And Japan now use FeliCa technology for electronic payment infrastructure are complete, even if the introduction of overseas Apple pay and other mobile payment means, there are many places in Japan can not use. Japan, which aims to be a founding country, will lose a lot of chances. The same could be speculated about the Special for Umay Plus Thai cash cardholders. If they travel to Japan and expect to use their new systems, odds are that there will be hurdles to overcome.

To meet the 2010 Tokyo Olympic Games, the Japanese government in the future should also strive to universal mobile payment. Should it be perfect for "wallet phone" and Apple pay, or is it easy to explore Chinese style?

Suzuki Chun said, "China and Japan are not the same national conditions, mobile payment popularity is not the same background, Japan may not have to follow the same path with China.